vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 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: TX

Complaint narrative:
I am disputing the following accounts and inquiries on my Equifax credit report. These accounts appear to be inaccurately reported, and I request that you investigate and correct these discrepancies to ensure compliance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXL XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$260.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$950.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$920.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$650.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9800.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} Late Payment : XXXX Account Number : XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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 Equifax 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 Equifax 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 Equifax 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 2025-12-16 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: LA

Complaint narrative:
Experian and Equifax 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 Equifax 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 Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: LA

Complaint narrative:
Experian and Equifax 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 Equifax 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 Equifax 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 explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: IL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I just recently looked at my credit report on Experian and Trans Union XX/XX/XXXX, XXXX i saw some hard inquiries that did not have permissible purpose. I also attached evidence XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-12-16 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: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: GA

Complaint narrative:
I disputed a collection tradeline on my Equifax and Experian credit reports in XX/XX/scrub>XXXX XXXX The tradeline is reported by a collection agency for a roofing XXXX and shows a balance of approximately {$1800.00}. 

My dispute was that the balance is inaccurate because it includes charges for specific billed items that were not performed/provided ( gutter detach/reset, satellite dish reinstall/alignment/calibration, and ridge-cap materials billed beyond what was purchased/installed ). I submitted supporting documentation within Equifaxs and Experian 's upload limits, including the contract/estimate line items, photo evidence, and third-party documentation ( purchase order and manufacturer coverage information ) supporting the inaccuracy. 

Equifaxs and Experian 's reinvestigation results stated that the furnisher/creditor verified the balance as reported and Equifax/Experian did not delete or correct the balance. Equifax and Experian modified only administrative fields ( such as status/balance dates ) and added a generic dispute notation ( consumer disputes this account information ), but the inaccurate balance remained unchanged. 

I am requesting that Equifax and Experian conduct a reasonable reinvestigation that actually evaluates the documentation submitted rather than relying on a furnishers conclusory certification, and that Equifax and Experian delete the tradeline as inaccurate/unverifiable or correct the balance to remove charges for unperformed work/materials. 

I am also requesting a description of the procedures Equifax and Experian used to verify this disputed information ( method of verification ), including what was reviewed and who was contacted.

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 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
CREDIT COLLis falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLis a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Foris DAX, Inc.
State: CA

Complaint narrative:
I had made an INSTANT deposit on Crypto.com because I needed to make a payment to a friend for something I owed him for. Once the money was taken out of my account, it didnt let me send anything and still isnt letting me send the crypto and now the value of the crypto has gone down along with their selling fees and I am at over {$500.00} of a loss. The confirmation page told me it was instant and it was available to send immediately which in fact was a complete lie. Be CAREFUL WITH PUTTING A SINGLE XXXX ONTO THEIR PLATFORM.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: PA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$460.00} Inquiries XXXX Date : XX/XX/XXXX XXXXXXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXX Late Payments XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX 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 2025-12-16 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: NJ

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Chime Financial Inc
State: AL

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, AL. XXXX XXXX XXXXXXXX to upload {$1500.00} to my chime account. 
I made three transactions of {$500.00} each, plus a XXXX fee with each of the XXXXhree transactions, at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The money was no available afterward. Chime told me to wait two hours before filing a dispute. After two hours went by, the money was not there so I proceeded with the dispute. Chime told me they have information from XXXX or log of the transaction. XXXX store mangers refuse to speak to me since last night when this happened. Cashiers hung up on me. I contacted closest store where the clerk told me there are often complaints from that store. He said he'd contact his manager after telling me I should have heard a sound when there was deposit in the safe. Which there was not. He told me he was contacting via his personal phone, and to hold on. He hung up after a short period of time afterward and wouldn't answer again. The managers must know at this point. 
Chime told me I could make a police report, so I called the police. The officer didnt want to make a report yet. The officer went by the store where they told him that it was a delay with the ACH due to fraud activity in the store earlier that day. The officer told me that the store manager and district manager had been contacted and would be intouch with me, but they have not contacted me and the store still will not put us in touch. 
I contacted XXXX guest services today XX/XX/year>XXXX XXXXXXXX guest services say they have no record of a transaction, although they do have the reciepts. They said they will have to prove the transaction. 
I relayed this information to the store. The assistant manager said she will review the tapes, but never called back. 

I have reciepts, but no one has any record of the transaction. 

This is every dime we have for our kids XXXX. This includes all gifts, XXXX dinner, visits to XXXX and planned visits to a state park, local XXXX attraction and trip to another XXXX attraction. My family is devastated. I have never had an issues uploading money to Chime. We did this last year for XXXX as well. My mom and husband came up with this cash so I could order our XXXX gifts. There is no other option to sustain the XXXX we paid for. It's becoming too late to order the things my kids asked for. They are the one ultimately hurt by this. 

Ultimately, I did pay for a Chime deposit and do have proof. Chime has not provided the paid for deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: IN

Complaint narrative:
Asked them to supply information that matches what is on my credit report regarding payments, that were not made and not made, and for when the account was or not within differemt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am complaining about Capital Ones handling of a credit card dispute involving a charge from XXXX dated XX/XX/year> in the amount of {$840.00}. 

I disputed this charge because the price of an optional vehicle upgrade was misrepresented at the point of sale. At the rental counter, I was verbally told the upgrade would cost XXXX extra. I was not told that this meant XXXX per day. I agreed to the upgrade based on that representation and would not have agreed had the daily rate been disclosed. 

I raised a dispute with Capital One on the basis of misrepresentation of price. Despite this, Capital One repeatedly treated the dispute as a cancellation dispute and relied on XXXX statement that no cancellation per policy was received. My dispute did not involve cancellation, and I clearly explained this in writing. 

I submitted a detailed rebuttal and supporting documentation explaining that the dispute concerned misrepresentation, not cancellation. Capital One acknowledged receipt of my documents but closed the case again, stating that my submission lacked requested information, without addressing the misrepresentation claim or explaining why the dispute category was not corrected. 

Capital One appears to have relied solely on the merchants response and did not substantively review the evidence I provided regarding misrepresentation. I am concerned that my dispute was not handled in accordance with a fair or appropriate dispute resolution process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against Capital One for their refusal to remove two fraudulent accounts from my XXXX  credit report, despite my filing of a complete FCRA Section 605B identity theft block request. The fraudulent Capital One accounts are : Capital One Account {$990.00} ( Fraudulent ) Capital One Account {$350.00} ( Fraudulent ) I want to clearly state that I know nothing about these accounts. I never opened them, never applied for them, and have no connection to these accounts whatsoever. These accounts do not belong to me, and I have filed all required identity theft documentation to both Capital One and XXXX. I provided : A complete 605B Identity Theft Block Request A valid FTC Identity Theft Report Proof of identity and address Written disputes stating the accounts are not mine My identifying information, including the last 4 digits of my SSN ( XXXX ) Despite receiving everything federal law requires, Capital One continues to verify these fraudulent accounts, which causes XXXX  to keep them on my report. I have also observed that either Capital One or XXXX  is adding false remarks to justify keeping the fraudulent items on my report. These remarks are misleading and obstruct my rights under federal law. This violates 15 U.S.C. 1681c-2 ( FCRA 605B ), which requires Capital One ( the furnisher ) to block and stop reporting fraudulent information within four business days after receiving proper documentation. Because of their refusal to comply, I am experiencing : Credit denials Lowered creditworthiness Emotional and financial hardship I am requesting the XXXX assistance to ensure Capital One : 1. Immediately deletes and blocks the two fraudulent accounts ( {$990.00} and {$350.00} ). 2. Stops reporting any information regarding these accounts to XXXX. 3. Provides written confirmation of deletion. 4. Ceases adding false remarks or verification responses that keep fraudulent data on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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:
Dear Sir/Madam, I am writing to dispute multiple inaccurate items reported on my credit reports from XXXX, Experian, and XXXX. These items have significantly affected my credit score and my ability to secure credit. Please investigate the following accounts and provide me with the proper corrections. 

CHARGED OFF : XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$64000.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} Bankruptcy, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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