vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-19 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: CA

Complaint narrative:
Experian is reporting inaccurate, unverifiable, and unauthorized information on my credit file, in violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX Data Breach Impact My personal information was compromised in the XXXX  Data Breach. Despite this, Experian is reporting derogatory data without proper verification, further exposing me to financial and reputational harm. 

Unverified Collection Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts are reported without any signed agreements, original contracts, or chain of assignment. There is no proof of a lawful permissible purpose under FCRA 1681b. Reporting without verification violates FCRA 1681e ( b ), 1681i, 1681s-2 and FDCPA 1692g ( b ). 

Inaccurate Late Payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( alleged late payment XX/XX/XXXX ) These entries were reported during grace periods or without timestamped proof, making them factually inaccurate and misleading under FCRA 1681e ( b ) and TILA 1666c. No billing statements or posting logs have been provided.

Failure to Reinvestigate Properly Experian relies on automated s
ystems like e-OSCAR, which courts have ruled insufficient ( XXXXXXXX XXXX XXXX ). I specifically requested manual compliance review with original-source documents, but Experian has not provided it.

Personal Information & Inquiry Issues Experian continues to report outdated addresses, alternate names, unverifiable employment, and non-account-holding inquiries that should not remain on my file. 

These violations are materially damaging my creditworthiness, financial opportunities, and consumer rights.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I filed a complain already and I demand the Cfpb delete these account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XX/XX/XXXX SSN : XXXX XXXX XXXX  Date : XX/XX/XXXX Re : Formal Dispute Navy Federal Account Reporting Inaccurately To Whom It May Concern, I am disputing the reporting of my Navy Federal account. The account is currently showing as charged-off with a {$0.00} balance, even though it has been paid in full. This is both misleading and inaccurate.

Under the Fair Credit Reporting Act ( FCRA 607 ( b ) ), credit reporting agencies must ensure maximum possible accuracy. Continuing to report the account as a charge-off when it has been satisfied fails to meet this standard.

Additionally, under FCRA 623, furnishers are required to provide complete and accurate updates. This account should not be reported as an open derogatory when it has been resolved. 

Requested Action : Please either : 1. Update this account to reflect Paid/Closed, {$0.00} balance, in good standing ; OR 2. If you can not verify and correct it, delete the account entirely under FCRA 611.

I have attached copies of my identification and proof of address for verification. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc
State: GA

Complaint narrative:
I am continuously receiving recurring charges and fees debited from my account from chime. These are charges are from companies that I have repeatedly reported to chime customer services and are not approved by me to come out of my account. XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 — Didn't receive enough information to verify debt
Company: Alliant Capital Management LLC
State: WI

Complaint narrative:
I am filing this complaint against Alliant Capital Management for violating my rights under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ( b ) ). 

On XX/XX/year>, I submitted a formal written dispute requesting full validation of a debt they claim I owe. They failed to provide a signed agreement, a full accounting of the debt, proof of ownership by XXXX XXXX, or authorization to collect. Despite this, they continued to pursue collection. 

I request that the CFPB require them to cease collection, validate the debt properly, and mark the account in dispute if reported to credit bureaus.

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 accessing account
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
When I log in to my account I will be in it for a couple of minutes and it logs me out many times. I tried logging in on the computer and it gave me error messages M & T XXXX Banking is temporarily unavailable, Verification Unavailable. One day I was locked out of my account all day. I have a laptop and multiple handheld devices and when I tried to log on using one of them it would not let me, I could only use the app on one of the phones and not the web browser on the other phone.

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 information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Dear Sir or Madam, I am formally disputing inaccurate and misleading information being reported on my student loan account serviced by XXXX on behalf of the U.S. Department of Education. This dispute is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 



Inaccuracies Identified 1. Balance Reporting Conflict The current balance is reported as {$4000.00}, while the highest balance is listed as {$3500.00}. A current balance can not exceed the highest balance. This inconsistency renders the data inaccurate. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX confirms that credit furnishers must ensure accuracy and can not rely on patently inconsistent data. 
2. Unknown Payment Statuses Several months are reported as Unknown. This constitutes incomplete and misleading reporting under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). 
In XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX XXXX. XXXX ), the court recognized that incomplete or misleading data violates the FCRA just as much as false data. 
XXXX. Derogatory Status Contradiction The account reflects a derogatory status while simultaneously reporting the current status as Current. This contradiction misrepresents my creditworthiness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) established that technically true information which creates a materially misleading impression violates the FCRA. 



Demand for Full Investigation Pursuant to 15 U.S.C. 1681i ( a ), I demand a full and independent investigation of this account. You are required to verify all disputed information with original documentation from the Department of Education. Simply confirming internal system records does not meet your obligations XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ). 



Requested Corrective Action Correct the balance reporting so that the current balance does not exceed the highest balance. 
Remove all Unknown payment statuses and replace them with verified, accurate data. 
Remove the derogatory designation since the account is simultaneously reported as Current. 

If this information can not be verified with documented evidence, you are required by law to delete the disputed entries from my credit file. 



Notice of Escalation Failure to comply will result in : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Notification to all relevant Credit Reporting Agencies ( CRAs ), and Pursuing all available legal remedies under 15 U.S.C. 1681n and 1681o for negligent or willful noncompliance.

I expect written confirmation of your investigation results and corrective action within the required 30-day statutory period. 

Sincerely, XXXX XXXX

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 information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
I am disputing a rental debt with XXXX Automated Collections ( RDAC ) for The XXXX Apartments in XXXX, TX. 
My lease ran XX/XX/XXXX XX/XX/XXXX, and I provided proper 60-day notice on XX/XX/XXXX. I fully completed the lease term, moved out on XX/XX/XXXX, and paid prorated daily rent. Despite this, The XXXX and XXXX are attempting to collect fees not authorized by my contract or Texas law : {$1200.00} lease termination fee my lease ( Paragraph J ) only allows this if I ended the lease early. I did not. No renewal exists. 


{$150.00} eviction fee I was never evicted. Dallas County JP Court records show no filing, and XXXX staff admitted they never filed. 


$ 10 month-to-month fee I never signed a renewal or extension. Texas law ( Bus. & Com. Code 26.01 ) requires renewals over one year to be in writing. 


XXXX representatives on call dating XX/XX/XXXX also gave contradictory reasons : XXXX XXXX rep ) said I broke the lease by leaving after it was over. 


XXXX ( supervisor ) said the fee was due to eviction. 


XXXX ( XXXX ) was on a XX/XX/XXXX call with XXXX staff where they gave multiple conflicting reasons ( eviction, no notice, disregarded notice ). He ignored my proof of notice and claimed only eviction applied. These false explanations misrepresent the character and amount of the debt in violation of the FDCPA and Texas Debt Collection Act.  XXXX only provided my original lease, which actually disproves their claim.

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: TX

Complaint narrative:
This account was previously disputed and removed from my credit report. However, it has now been reinserted without proper notice to me, in direct violation of the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ) and I do not give any permission nor do I know anything about the accounts in question. Please kindly remove. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
ACCOUNTS : XXXX XXXX, ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TRANSUNION CREDIT BUREAU 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 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 — Information belongs to someone else
Company: EQUIFAX, 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 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} 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 XXXX 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 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: MO

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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: Experian Information Solutions Inc.
State: AR

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: AR

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: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: WA

Complaint narrative:
I regularly send money to myself from my business account, using western union because it is fast and easy to use. Beginning on XX/XX/XXXX, XXXX XXXX began sending duplicate transactions, which accrued to XXXX in duplicates. I stopped using western union as soon as I noticed, and left the money alone, thinking they would realize soon and reverse the payments. They never did. 

Monday, XX/XX/XXXX I got an email saying I owe XXXX in duplicates from risk collections. I called and we agreed to pay the amount of XXXX as they were offering a discount if I paid that day. I transferred to my cash back account so that I could earn cash back on this payment, and that went through fine. It seems like one person on the helpline from Sofi mentioned XXXX  XXXX XXXX tried to reverse ACH too late ( apparently XXXX owns XXXX XXXX ), and apparently that flagged their system. 

I am frustrated that I am at the fault of Western Union 's flawed system, and now Sofi is punishing me for doing the right thing : paying it back.

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: CA

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 non-monetary relief
Consumer complaint received 2025-09-18 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: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
I had XXXX disputes for boss money and submitted all supporting documents and emails as well as an FTC fraud report and also an XXXX gov internet FBI crime reports. After all this and several denials they refuse to grant my disputes and give me my {$530.00} back even after all the appeals and evidence and documents Ive uploaded. The appeals they even denied saying no error occurred. I asked for provisional credits while it was being it worked on and never happened and they seen all my documents and screenshots and emails and still keep denying my boss money dispute claim 4 transactions for {$530.00}. Im very upset and unhappy because I live on a monthly income and dont have money. And Im trying to recover my {$530.00} as I badly needed it and got all the supporting documentation and evidence and the dispute claims and appeals are still denied regardless and no provisional credit or anything. Definitely a long and frustrating experience for me.

Company response to consumer: Closed with explanation