vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: IL

Complaint narrative:
To Whom It May Concern, I am submitting this response regarding the matter with XXXX XXXX. 

I would like to clarify that payments have been made multiple times to XXXX XXXX, and I have supporting documentation to prove this. On several occasions, I provided XXXX XXXX with proof of payment, including receipts and transaction confirmations. Despite this, the account has been inaccurately reported to the credit bureaus. 

Additionally, representatives from XXXX XXXX have acknowledged to me directly that they have been experiencing technical issues with their online payment platform. These platform errors have caused delays and discrepancies in the way payments were posted, but they were not due to any failure on my part to make timely payments. 

Further evidence of this acknowledgment is shown on XX/XX/year>, when XXXX XXXX waived a late fee on my account. As shown in the attached documentation, this waiver was granted because they recognized the issue originated on their end, not mine. 

Given that : Payments have in fact been made, XXXX XXXX has admitted their system issues, They have already waived a late fee due to these acknowledged issues, and I have provided their office with copies of my proof of payment, I respectfully request that this matter not be reflected negatively on my credit reports. Any adverse reporting based on errors within XXXX XXXX payment system is inaccurate and unfairly damaging to my credit standing. 

I ask that the CFPB assist in ensuring that these inaccuracies are corrected promptly, and that XXXX XXXX updates their reporting to reflect my true payment history. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX - Account Number : XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2600.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
SURGE XXXX  from Illinois has raised my interest rate to 37 % along with XXXX annual fee and now each month starting XX/XX/year> will charge me a XXXX $ monthly fee or if choose no my credit card spending will be revoked.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

I am disputing the inaccurate reporting on my XXXX XXXX  auto loan, account number ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Your files falsely indicate that I was late in XX/XX/year>. That claim is false and damaging. I did not miss a payment in XXXX XXXX at any time on this loan. The account was ultimately paid in full with a XXXX balance. 

By continuing to report this false late payment, you are misrepresenting my credit history. Under FCRA, you are required to conduct a reasonable reinvestigation and provide evidence when the accuracy of an account is disputed. To date, I have received no documentary proofno payment history, no signed records, no evidence whatsoever that supports the existence of a late payment in XX/XX/year>. 

Without evidence, this negative reporting can not remain on my file. If you can not produce verifiable documents showing that I was late, you must immediately delete this inaccurate late payment and update the account accordingly. 

Failure to correct this error will constitute willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 1681o, subjecting you to liability for statutory damages, actual damages, attorneys fees, and punitive damages. 

This is not optional. Either provide the proof or delete the false late mark now. 

Sincerely, XXXX XXXX XXXX ( All Rights Reserved, Without Prejudice )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

I am disputing the inaccurate reporting on my XXXX XXXX  auto loan, account number ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Your files falsely indicate that I was late in XX/XX/year>. That claim is false and damaging. I did not miss a payment in XXXX XXXX at any time on this loan. The account was ultimately paid in full with a XXXX balance. 

By continuing to report this false late payment, you are misrepresenting my credit history. Under FCRA, you are required to conduct a reasonable reinvestigation and provide evidence when the accuracy of an account is disputed. To date, I have received no documentary proofno payment history, no signed records, no evidence whatsoever that supports the existence of a late payment in XX/XX/year>. 

Without evidence, this negative reporting can not remain on my file. If you can not produce verifiable documents showing that I was late, you must immediately delete this inaccurate late payment and update the account accordingly. 

Failure to correct this error will constitute willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 1681o, subjecting you to liability for statutory damages, actual damages, attorneys fees, and punitive damages. 

This is not optional. Either provide the proof or delete the false late mark now. 

Sincerely, XXXX XXXX XXXX ( All Rights Reserved, Without Prejudice )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
Tried to dispute, it is listed delinquent when it's not

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Incorrect Personal information reporting on Credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am a victim of identity theft. My credit report shows fraudulent accounts and inquiries that I did not authorize, including XXXX, XXXX, and XXXX XXXX XXXX accounts , as well as inquiries from XXXX XXXX and XXXX XXXX XXXX . These negative items do not belong to me and are harming my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: GA

Complaint narrative:
Between XX/XX/XXXX, and XX/XX/XXXX, a series of unauthorized XXXX XXXX transactions totaling {$5300.00} were withdrawn from my Chime account. Each time I noticed a transaction, I immediately reported and disputed it, but Chime denied all disputes. Transactions ranged from {$9.00} to {$1000.00}. XXXX has confirmed the fraud and closed my XXXX XXXX account, stating I can not receive payments via XXXX XXXX. 

I also disputed a {$980.00} XXXX XXXX transaction three times, which Chime only approved after I escalated to the CFPB, showing a pattern of mishandling legitimate disputes. 

I called Chime on XX/XX/XXXX, requesting that all disputes be reopened. Chime did not take action until today, demonstrating unacceptable delay. Furthermore, my Chime account is scheduled to be closed on XX/XX/XXXX. Closing my account before fully resolving these disputes is retaliatory and obstructs my rights under federal law, including Regulation E of the Electronic Fund Transfer Act ( EFTA ). 

Disputed XXXX XXXX Transactions : [ Insert full list of all 24 transactions totaling {$5300.00}, plus the {$980.00} transaction ] Requested Resolution : 1. Immediate full reimbursement of {$5300.00} for all unauthorized XXXX XXXX transactions. 
2. Written confirmation that all disputes remain active and fully resolved before XX/XX/XXXX, regardless of account closure. 
3. Written explanation for the account closure, including the specific policy allegedly violated.

4. Assurance that Chime/ XXXX XXXX XXXX complies with Regulation E and promptly investigates all reported unauthorized transactions.

Additional Notes : My complaint has been referred by the CFPB to the Office of the Comptroller of the Currency ( OCC ).

My case is entered into the Consumer Sentinel Network, monitored by federal and civil law enforcement agencies.

I expect the CFPB to ensure full investigation and reimbursement prior to account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$20000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity
theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I am writing to dispute inaccurate personal information currently listed on my credit report. Upon reviewing my report, I found incorrect details under my personal profile, such as outdated or unfamiliar names, addresses, phone numbers, and/or employment history. 
I have not used or been associated with some of the information listed, and the presence of these inaccuracies could result in misidentification, confusion with other individuals, or even potential fraud. I have already submitted requests for correction and provided documents to verify my true and current information, yet the errors remain unresolved. 
These inaccuracies are not only misleading but could also impact future credit decisions. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all personal information in my credit report is accurate and up to date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
Chime closed my account wont tell me why and wont issue me a refund back of my money that was in my account. I spoke to different customer service people on the phone and they just hung up on me and told me I was ineligible for a refund but wouldnt give me a reason why. I had over XXXX in that chime account I just want my money thats mines back please and thank you! I really hope you guys can help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation