vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 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: LA

Complaint narrative:
Experian and XXXX  has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and XXXX  has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and XXXX  inaction violates federal law and my rights as a consumer.

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 2025-08-22 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: IL

Complaint narrative:
To Whom It May  Concern, I am writing to formally dispute a materially inaccurate and misleading item appearing on my XXXX, Experian, and XXXX  credit file concerning my XXXX account. 

Specifically, my credit reports reflects that my payments were " pays as agreed '' in both XXXX and XXXX of 2025, yet it simultaneously reports that I was " 90 days past due in XXXX of 2025. This is factually and mathematically impossible unless prior months were also delinquent and misrepresented. 

A XXXX past due delinquency can not occur without XXXX full billing cycles of non-payment. Therefore, if XXXX and XXXX were pays as agreed, the March 90 day past due mark is inaccurate, unverifiable, and in violation of federal reporting obligations under the Fair Credit Reporting Act ( FCRA ). 

Legal Grounds for Immediate Deletion 1. FCRA 15 U.S.C. 1681e ( b ) : This law requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. Reporting a XXXX past due delinquency that is chronologically inconsistent with the preceding months clearly fails this requirement. 

2. FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers of information ( like XXXX  ) are legally prohibited from reporting inaccurate or knowingly misleading data to consumer reporting agencies. Contradictory reporting between months constitutes a material violation of this provision.

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a materially inaccurate and misleading item appearing on my XXXX XXXX and Transunion credit file concerning my XXXX account. 

Specifically, my credit reports reflects that my payments were " pays as agreed '' in both XXXX and XXXX of 2025, yet it simultaneously reports that I was " 90 days past due in XXXX of 2025. This is factually and mathematically impossible unless prior months were also delinquent and misrepresented. 

A XXXX past due delinquency can not occur without XXXX full billing cycles of non-payment. Therefore, if XXXX and XXXX were pays as agreed, the March 90 day past due mark is inaccurate, unverifiable, and in violation of federal reporting obligations under the Fair Credit Reporting Act ( FCRA ). 

Legal Grounds for Immediate Deletion 1. FCRA 15 U.S.C. 1681e ( b ) : This law requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. Reporting a XXXX past due delinquency that is chronologically inconsistent with the preceding months clearly fails this requirement. 

XXXX. FCRA 15 U.S.C. 1681s-2 ( a ) ( XXXX ) ( A ) : Furnishers of information ( like XXXX ) are legally prohibited from reporting inaccurate or knowingly misleading data to consumer reporting agencies. Contradictory reporting between months constitutes a material violation of this provision.

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 2025-08-22 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: NY

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 XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 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 2025-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Denefits LLC
State: VA

Complaint narrative:
I have tried to set up a payment plan with them. Ive spoken to several different agents because they dont communicate with each other. They call and text me all day even when Im at work. In the last XXXX hours theyve tried to contact me at least XXXX times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I respectfully request that these unauthorized accounts be deleted from my credit report. I did not authorize their opening and had no prior knowledge of them. Under USC 1681g, I request their removal within 15 days. Please see attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I respectfully request that these unauthorized accounts be deleted from my credit report. I did not authorize their opening and had no prior knowledge of them. Under USC 1681g, I request their removal within 15 days. Please see attached documentation.

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 2025-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX. I opened Chase XXXX credit card on XX/XX/year>. 

XXXX. XXXX of the benefits of the card was to receive {$200.00} XXXX cash. 

XXXX. On Chase.com website ( https : //creditcards.chase.com/travel-credit-XXXX  XXXX ) it is clearly saying " Receive after account opening and on each account anniversary, '', which promises its customers to send {$200.00} right after opening the credit card. 

XXXX. Another chase.com page also shows the same sentence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5. However, I haven't received the {$200.00} credit as of XX/XX/year>. 

XXXX. I tried to resolve this issue with chase.com. I called to Chase but Chase kept saying that I need to work with United. When I called to United, they always transferred me to Chase again. 

XXXX. I am attaching their screenshots. I even received an email from United that I have earned {$200.00} credit, but I haven't received any XXXX credit yet actually.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am filing this complaint because Equifax has re-inserted a charge-off account that had previously been removed from my credit file, which is a direct violation of the Fair Credit Reporting Act. The account in question is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a reported charge-off dated XX/XX/year> in the amount of {$8200.00}. This account had already been disputed and corrected, yet Equifax has chosen to place it back onto my credit report without providing the legally required notice or evidence of its accuracy. Re-insertion of disputed information without following the procedures laid out in the FCRA is not only unlawful but an abusive practice that causes ongoing harm to me as a consumer. 

Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), a consumer reporting agency can not reinsert information that was deleted as a result of a dispute unless the furnisher certifies its accuracy. Even then, the agency is required to notify the consumer in writing within XXXX business days of the reinsertion. Equifax has failed to meet these obligations. I received no notice of this reinsertion, no certification of accuracy, and no documentation proving that this debt legitimately belongs on my file. Instead, the item was quietly re-added, leaving me blindsided by the sudden reappearance of a derogatory mark that had already been deemed unverified. This conduct is reckless, deceptive, and a blatant violation of federal law. 

The personal impact of this unlawful reinsertion is immense. Having an {$8200.00} charge-off falsely listed on my credit file paints me as financially irresponsible, which is completely inaccurate. This derogatory mark has already caused me to be denied credit opportunities, subjected me to unfair lending terms, and has damaged my credibility with financial institutions. The emotional toll of fighting this over and over again is exhausting each reinsertion feels like a deliberate attack on my financial integrity and peace of mind. Instead of being treated fairly under the law, I am being dragged through a cycle of inaccuracies and disregard that continues to inflict both financial and emotional harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: GA

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 XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-08-22 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: CBC Companies, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX Phone : XXXX Date : XXXX XXXX XXXX  Innovis Data Solutions , Inc .

Attn : Consumer Assistance XXXX. XXXX XXXX XXXX, PA XXXX Subject : Identity Theft Dispute Request for Immediate Blocking & Removal of Fraudulent Accounts To Whom It May Concern, I am writing to formally dispute and demand the immediate blocking and removal of fraudulent accounts appearing on my Innovis credit file. I am a victim of identity theft, and pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I require Innovis to take immediate corrective action. 

The following accounts were opened fraudulently and do not belong to me : XXXX XXXX  Account # XXXX Amount : {$4900.00} XXXX XXXX XXXX XXXX ( XXXX  ) Account # XXXX Amount : {$21000.00} Under 15 U.S.C. 1681c-2 ( FCRA Section 605B ), Innovis is required to block information that results from identity theft within XXXX business days of receiving my dispute and identity theft report. This includes : 1. Blocking all reporting of the above fraudulent accounts.

2. Deleting these accounts permanently from my Innovis credit report.

3. Notifying all furnishers and other consumer reporting agencies of the block and removal as required by law.

Additionally, under 15 U.S.C. 1681i ( FCRA Section 611 ), Innovis must conduct a proper reinvestigation of disputed information. Continuing to report accounts that are the result of identity theft after being notified constitutes a violation of the FCRA and subjects Innovis to civil liability under 15 U.S.C. 1681n & 1681o.

Enclosed with this letter are copies of my government-issued ID, proof of address, and identity theft report ( police report/FTC Identity Theft Affidavit ). These documents verify my identity and substantiate that I am the victim of fraud. 

I demand Innovis provide written confirmation within XXXX  days that the above accounts have been blocked and permanently removed from my credit file. If Innovis fails to comply, I will be forced to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, and I will consider pursuing legal remedies for damages. 

Thank you for your immediate attention to this matter. I expect full compliance with federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Hello, I am writing regarding a payment of {$140.00} I received through XXXX XXXX in XXXX on XX/XX/year> from XXXX XXXX ( XXXX name XXXX XXXXXXXX ) for an item I sold through XXXX XXXX. The payment originally went through successfully and showed in my XXXX XXXX account. 

However, I just received notice that the buyer disputed the payment ( through their bank Ally ) and the funds were removed from my account and taken directly from my linked bank ( my bank is also Ally ). This is fraudulent the buyer picked up the item in person and then later reversed the payment according to XXXX. 

I am requesting that XXXX XXXX review this dispute. I am prepared to provide : -Screenshots of the original payment confirmation in XXXX XXXX -Screenshots of my conversation with the buyer on XXXX XXXX -Proof that the item was picked up in person -Any additional evidence needed This was a legitimate transaction, and I am now out both the item and {$140.00} due to a fraudulent dispute. Please advise me on how to submit documentation so this case can be resolved. 

XXXX nor Ally did not notify me of a transaction dispute at any time between the date of purchase and their withdrawal from my account on XX/XX/year>. I only received a notification of failed payment on XX/XX/year> with no explanation. When I called XXXX customer service today XX/XX/year>, they said the charge was reversed due to the buyer disputing the charge. I asked for any proof or documentation stating that, but they refused to provide any information.

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 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: TX

Complaint narrative:
A purchase was on my virtual chime card from XXXX for an amount of {$59.00}. I issued a refund at XXXX and it was completed by XXXX. I waited the appropriate amount of business days before contacting chime and was met with gaslighting and eventually my calls being ended by two different representatives. 

Date of refund : XX/XX/year> Contacted chime : XX/XX/year> Still no refund as of todays date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$400.00} 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 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