vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 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:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-01 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:
TransUnion is reporting accounts on my credit file that were fraudulently opened in my name due to identity theft. I did not authorize or recognize these accounts. I formally disputed the items and submitted all required documentation, including a valid FTC Identity Theft Report, my identification, and proof of address. 

Despite fulfilling all the requirements under the Fair Credit Reporting Act ( FCRA ), TransUnion has not removed the fraudulent accounts, and they continue to appear on my credit report. This ongoing inaccuracy is damaging my credit and causing unnecessary stress.

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 2025-08-01 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Subject : Formal Dispute Inaccurate and Unverifiable Account Reporting ( MACYS/CBNA ) Account Number : XXXXXXXX XXXX XXXX  XXXX : [ XX/XX/XXXX ] SSN : [ XXXX ] Dear Credit Reporting Agencies, I am writing under my rights afforded by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, to formally dispute the accuracy, completeness, and legality of the account listed as MACYS/CBNA, account number ending in XXXX on my credit report. 
Upon review of all three credit reports, I have identified multiple inconsistencies and potential violations in how this account is reported : 1. Inconsistencies Between Bureaus : XXXX  lists the account as Paid with a status of Charge-off/Collection, last active XX/XX/XXXX. 


XXXX  states it was closed due to inactivity and also shows a Charge-off. 


XXXX  lists it as Derogatory and shows a Paid charge off, last active XX/XX/XXXX. 


These variations suggest that at least some of the information being reported is inaccurate or unverifiable, which violates FCRA 607 ( b ), requiring maximum possible accuracy in consumer reports.

2. Reporting Beyond Statutory Limits : Under FCRA 605 ( a ), accounts with negative information such as charge-offs must be removed 7 years from the date of first delinquency. Given that this account appears to have been inactive as early as XX/XX/XXXX, and potentially charged off well before that, its presence may be approaching or exceeding this limit depending on original delinquency, which is not clearly shown. 

XXXX. Misleading Reporting : The reporting of this account as both Paid and Charge-off is contradictory and misleading. The FCRA prohibits the reporting of information that creates a materially misleading impression, even if technically accurate. 

Requested Action : Pursuant to FCRA 611, I am requesting that you : Conduct a reinvestigation into this account. 


Provide me with documentation used to verify this account. 


Remove this account from my credit report if it can not be fully verified and corrected. 


If you are unable to verify the accuracy and completeness of this account within 30 days, you are required by law to delete it from my credit file. 
Failure to comply may result in legal action for noncompliance under the FCRA, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and possibly civil litigation. 
Please respond to this dispute in writing at the address above. 
Sincerely, 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 2025-08-01 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: MOHELA
State: IL

Complaint narrative:
I am a victim of identity theft. According to the FCRA Section 605b this information must be removed from my credit report within 4 days. Please remove immediately. Thank you.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-01 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: VA

Complaint narrative:
I am writing to formally dispute the inaccurate, unverifiable, and noncompliant information being reported on my Experian consumer credit report. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Act ( XXXX ), and citing direct violations confirmed by the XXXX XX/XX/XXXX lawsuit against XXXX XXXX XXXX } * * I am a victim of malpractice and broken laws based on the XX/XX/XXXX lawsuit against { XXXX XXXX } }. * * And Im also filling this complaint due to Experians repeated violations of federal consumer protection laws, failure to process my identity theft claims, reinsertion of accounts without notice, and continued reporting of inaccurate and noncompliant credit data. Despite multiple formal disputes, Experian has failed to meet its obligations under : - 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation - 15 U.S.C. 1681i ( a ) ( 2 ) Failure to forward all submitted documentation to furnishers - 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy - 15 U.S.C. 1681c-2 Failure to block fraudulent accounts upon identity theft report - 18 U.S.C. 1028 Identity Theft and Assumption Deterrence Act - FACTA Fair and Accurate Credit Transactions Act of XXXX - Metro 2 Compliance Standards Personal Information Inaccuracies Experian continues to list fraudulent and inaccurate addresses on my credit file, despite receiving my government-issued ID and utility documentation. The only valid address that should appear is listen in the letter All others are the result of identity theft or Experians data mishandling. 
Accounts Reported in Violation of Federal Law LIST ACCOUNTS HERE : { Account Balance Date Opened Type Violations American XXXX XXXX {$40000.00} XX/XX/XXXX Auto Loan Reinserted without notice ( FCRA 1681i ( a ) ( 5 ) ( B ) ), Failure to investigate identity theft ( FCRA 1681c-2 ), Metro 2 violation, Failure to conduct reasonable reinvestigation ( FCRA 1681i ), Failure to maintain accuracy ( FCRA 1681e ( b ) ) Accounts reinserted without MOV or consumer notice, Metro 2 violations ( codes 30/31 ), FCRA 1681c-2 and 1681i ( a ) ( 2 ) violations Pattern of Misconduct { XXXX XXXX XXXX } Lawsuit Reference This is not isolated. The CFPB filed suit against XXXX XXXX XXXX XXXX } in XX/XX/XXXX ( Case XXXX ) for failing to forward disputes, illegally reinserting accounts, and disregarding identity theft claims the very same conduct Im reporting here. I am directly experiencing the same violations as outlined in that case.

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 2025-08-01 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:
I am a victim of identity theft, and Experian is reporting multiple items on my credit file that are not accurate or authorized. This includes fraudulent accounts, unauthorized credit inquiries, and incorrect addresses that I have never lived at. 

I previously submitted a complete dispute package to Experian, which included my FTC Identity Theft Report, government-issued photo ID, proof of current address, and a full list of the disputed accounts, inquiries, and addresses. 

Despite fulfilling all requirements under the Fair Credit Reporting Act ( FCRA ) Section 605B, Experian has failed to remove these fraudulent and inaccurate items. Their continued reporting of false information is damaging my credit standing and violates my legal 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 explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I purchased my home on XX/XX/XXXX that was serviced by XXXX XXXX XXXX XXXXXXXX XXXX in the amount of {$170.00}. In XXXX my mortgage was transferred to Bank of America from XXXX XXXXXXXX XXXX XXXXXXXX XXXX with a remaining balance of {$130000.00}. In XX/XX/XXXX, I applied for a XXXX XXXX with the understanding that I had a deferred amount of {$2400.00} ( past due interest ), {$2900.00} ( servicing expenses paid to a XXXX party ) and {$1900.00} ( another deferred amount ) for a total of {$7300.00}. On XX/XX/XXXX, my mortgage was transferred to XXXX XXXX XXXX XXXX. In XXXX, I learned about an additional deferred amount that was included in my modification in the amount of {$49000.00}. On XX/XX/XXXX and XX/XX/XXXX, I mailed a XXXX XXXX XXXX XXXX Bank of America XXXX : Notice of Error and Request for Information, XXXX XXXX XXXX, XXXX XXXX, CA XXXX ; and requested all closing and originating documents, correspondence, loan modifications, a breakdown of where the deferred amounts originated from. On XX/XX/XXXX and XX/XX/XXXX, I received a response from Bank of America advising that they did not have the documents that I requested

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 2025-08-01 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: CA

Complaint narrative:
I filed formal disputes with the credit bureau concerning inaccurate and unverifiable accounts on my credit report. Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ), the bureau is required to conduct a reasonable reinvestigation within 30 days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable. Instead, the bureau appears to rely on automated systems ( such as eOSCAR ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ). In light of the 2023 CFPB enforcement action ( CFPB & FTC v. TransUnion ), in which your agency was fined {$23.00} XXXX for systemic reporting failures, I hereby request that my dispute be handled with due diligence and in full compliance with federal law. The CFPB concluded that superficial or automated procedures fail to meet the FCRAs reinvestigation standard. I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed items without proof. 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 2025-08-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
I asked the company ( American Credit Acceptance ) to come pick up the car due to me not being able to afford the car anymore, due to loss of employment. They came to get the car and put it as a repossession on my credit. I called to get the information on where I could retrieve my personal items from the car but was unable to because the car had already been sold. I asked the pay out amount in order to get the repossession off my credit and they stated it would be {$2000.00}. The amount still on my credit to pay is {$11000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: MO

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: NC

Complaint narrative:
On XX/XX/year> a series of debits occurred to my bank account which I had no prior knowledge nor did I give anyone permission nor authorization to debit my Chime accounts for any of the amounts in question. 

This has occurred in the pass and Chime has deactivated my debit card and reissued new debit cards to me 7 times. Additionally, Chime has blocked the merchants however, the merchants routinely modify their names to get around the blocks placed by Chime Bank. Over the past 12 months I have filed 17 disputes with Chime Bank regarding the unauthorized debits from my accounts at Chime Bank totaling over {>= $1,000,000} as is evident by dispute numbers ; # XXXX [ # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX and # XXXX. These disputes have all been filed with Chime Bank between XXXX to XXXX hours of the charges occurring, and although the suspect merchants do not have any contact information listed on the statements or anywhere Chime has kept all my money and failed to protect my account and failed me as a customer, a XXXX single mother of XXXX juvenile children. 

I have filed a police report with the XXXX Police and XXXX they open an investigation into these continuous unauthorized debits and in the event the jurisdiction lies outside the purview of the office of the Charlotte-Meckelenburg Police Department that the case be referred to the Department of Justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  List of Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Possible Financial Inc
State: TX

Complaint narrative:
Possible Financial Inc. is reporting a charged-off loan account as if it is still collectible, which I dispute as unverified and inaccurate.

The account was charged off, meaning it has been written off as a loss, and the furnisher has not provided any documentation proving ongoing liability or ownership. Continuing to report the debt without validating ownership and the underlying agreement is misleading under the FCRA.

Violations : 15 U.S.C. 1681e ( b ) : Failing to ensure accuracy.

15 U.S.C. 1681s-2 ( b ) : Failure to reasonably investigate after my dispute.

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : Unverifiable information must be deleted.

UCC 3-501 & 3-505 : Furnisher has not provided the original signed loan contract or proof of current ownership.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-01 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-08-01 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 am writing as a consumer to formally request a review and correction of certain information listed on my credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I would like to dispute the following items.see attachment

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 2025-08-01 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: FL

Complaint narrative:
I am writing as a consumer to formally request a review and correction of certain information listed on my credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I would like to dispute the following items.see attachment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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