vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fl XXXX ] [ XXXX ] [ XXXX ] Date : [ XXXX XXXX ] To : ] [ Equifax Information Services LLC XXXX XXXX XXXX XXXX ] Dear [ Equifax information Service LLC, XXXX XXXX  ] I am writing to formally dispute the accuracy of a charge-off account that appears on my credit report. This letter is being sent pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which gives me the right to dispute any information I believe to be inaccurate, incomplete, or unverifiable.

The account in question is listed as follows : Creditor Name : XXXX XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Reported Status : Charge-Off Date Opened/Reported : [ XXXX XXXX last date reported XX/XX/XXXX ] Creditor Name : XXXX XXXX XXXX XXXX XXXX  ] Account Number XXXX [ XXXX ] Reported Status : Charge-Off Date Opened/Reported : [ XX/XX/XXXX last date reported XX/XX/XXXX ] Creditor Name : [ XXXX XXXX XXXX XXXX  ] ] Account Number : XXXX XXXX XXXX Reported Status : Charge-Off Date Opened/Reported : [ XX/XX/XXXX last date reported XX/XX/XXXX ] ] After reviewing my records, I believe this reporting is inaccurate and/or unverifiable. 
Under FCRA 611 ( 15 U.S.C. 1681i ), you are required to conduct a reasonable investigation of this disputed information. If the creditor or furnisher can not verify the accuracy of the charge-off entry within 30 days, it must be deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Southern Auto Finance Co
State: SC

Complaint narrative:
Sout

hern Finance / SOUTHERNFN CFPB Complaint What happened? Southern Finance is reporting a tradeline coded as transferred/sold bu
t is still furnishing derogatory information. The account includes inconsistent balances, conflicting open dates, and incomplete payment history.

Violations : 1681s-2 ( a ) ( 1 ) 1681e ( b ) 1681i ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: IN

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX LexisNexis While My LexisNexis File Is Frozen Summary : I placed a security freeze on my LexisNexis consumer file. Despite that, XXXX  claims they verified information using LexisNexis. A freeze should block access. I believe XXXX either accessed my data improperly or is misrepresenting the verification source. I also believe LexisNexis may be sharing or feeding data in ways that bypass a consumer freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: AR

Complaint narrative:
Upon reviewing my credit reports, I have identified several inaccuracies. 
I am writing to formally dispute the accuracy, completeness, and verifiability of these accounts and inquiries. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED/NO PERMISSABLE CAUSE INQUIRIES ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-Off Status Conflicts With Reported History 2. Incomplete / Missing Data Account Is Legally Incomplete 3.Potential Re-Aging / Misreporting of Dates

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 2025-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am the victim of a sophisticated social-engineering scam involving a caller who claimed to be from the Chase Fraud Department XXXX XXXX Chases authentication system, and ultimately stole my physical debit cards. The scammers used my stolen cards and compromised PIN to make over {$21000.00} in unauthorized ATM withdrawals and point-of-sale transactions. Chase denied my personal-account claims but reversed some business-account withdrawals, even though all the fraud was identical and connected to the same scam. 

On XX/XX/year>, after re-adding my cards to XXXX XXXX at the XXXX XXXX, I received a call from a woman claiming to be from Chase XXXX. She triggered legitimate Chase verification codes from short code XXXX and asked me to read them back. Believing she was Chase, I complied. She later instructed me to cut my debit cards and leave them by my mailbox for a Chase representative to pick up. Someone collected the cards, and the scammers immediately used them at ATMs and for purchases. 

Once I realized the fraud, I went to the branch, my accounts were closed, and I filed a police report. Chase denied my personal-account claims, verbally saying my PIN was used. They provided no evidence, or explanation, which is required under XXXXegulation E. Use of a stolen physical card + stolen PIN is still unauthorized under federal law. 

Chase reimbursed two transactions on my business debit card but denied identical fraud on my personal debit card, showing inconsistent investigation. I am requesting full reimbursement of all unauthorized transfers, documentation of Chases investigation, and review for Regulation E compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I disputed incorrect information on my credit report, but the credit bureau said my disputes came from a XXXX party, which is not true. I personally sent the disputes myself. I even called to confirm it was me, but they still refused to process them. 

I spent money mailing my letters and included documents to prove my identity. Its unfair that they didnt investigate properly. I just want my disputes handled correctly as required by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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:
Please correct/update this inaccurate information on my credit report

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 2025-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: GA

Complaint narrative:
Today I had received an email about chime account closure notification update will close on Monday XX/XX/XXXX and I paid off the myspot outstanding balance though. But I get my paycheck from my job on my chime account. {$40.00} myspot balance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Conduent Incorporated
State: TN

Complaint narrative:
I got my deposite on XXXX of XXXX from child support I then called the card holders and ask them to lock my card till later that morning by the girl that took my call said just call back when I needed them to unlock my card it wouldn't be a problem so later that morning around XXXX XXXX  I called the card place XXXX XXXX XXXX to have them unlock my card at that time they said that I would have to send my ID and it would take about a week cause of fraud so I haven't tried to do anything with my card so it shouldnt have anything going on with it. Since my card has been locked I've called the card holders and they still haven't got it fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: CHERRY TECHNOLOGIES INC.
State: NV

Complaint narrative:
On XX/XX/year> I opened a financing contract through Cherry for {$500.00} with XXXX  XXXX. Shortly after, I notified Cherry that I have a documented XXXX and had filed an XXXX accommodation/demand letter regarding issues with the provider. I specifically requested my account not be modified or closed while the XXXX dispute was active. 

Despite this, Cherry : 1. Denied me access to my own account, locking me out and returning error messages. 


2. Deleted the loan from my dashboard, even though I still had an active and overdue balance showing in earlier screenshots.

3. Later claimed they could not find any contract, which contradicts their own system logs.

4. Processed a refund I never authorized. Their system shows : This contract was refunded at the request of XXXX  XXXX on XX/XX/year>. 


5. Allowed a third party ( the provider ) to request changes to my financing account without my consent. 


6. Reported the account to my credit on XX/XX/year>, which further proves the account existed. 



These actions resulted in : Unauthorized modification of my account Conflicting and inaccurate account statuses Deletion of my access to records Credit reporting activity I did not authorize Mishandling of a consumer account during a disability-related dispute I am requesting an investigation into Cherrys account handling, inaccurate statements, unauthorized refund, and deletion of my account access while the dispute was active.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: MO

Complaint narrative:
The state of my father was placed in the hands of US Bank with XXXX XXXX assigned as my advisor/executor. I have had issues with him from the beginning he is missed payments he is neglected payments he has lied and said that payments were made when they weren't he's told my mother XXXX thing and told me another he's been negligent beyond reparation they lost me {$150000.00} in XXXX quarter would not so much as an excuse or a reason other than it was a bad fiscal year I feel like I've been neglected taking advantage of and I'm scared that my funds are not being handled properly. Any requests I've made has been rejected and I put the same budget proposal in for 3 years straight and it's been rejected every time and this is a meager XXXX a year I'm requesting I have over XXXX in the account

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 2025-11-16 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: TN

Complaint narrative:
I discovered multiple inaccuracies on my credit report, including accounts, addresses, names, and inquiries that I did not authorize, apply for, or recognize. These items are the direct result of inaccurate reporting and/or identity theft. I have never lived at the listed addresses, never used any other name besides my legal name XXXX XXXX, and never opened or signed for the accounts or inquiries being reported. The presence of these items has caused significant harm to my credit, reputation, and financial opportunities. I am requesting the immediate deletion of all inaccurate, fraudulent, or unverifiable information, as these errors violate the Fair Credit Reporting Act ( FCRA ) and demonstrate a failure to maintain maximum accuracy in my consumer file.

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 2025-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
In XX/XX/year>, I completed two in-person sales of XXXX XXXX XXXX. Both buyers paid through XXXX. The first payment was {$1500.00} ( XX/XX/year> ) and was sent from the XXXX  account associated with XXXX XXXX XXXX behalf of a buyer named XXXX. The second payment was {$1700.00} ( XX/XX/year> ) and was sent from XXXX  user XXXX XXXX ( name shown as XXXX XXXX. 
Both transactions were completed in person after the buyers confirmed receiving the items. 

Days later, both buyers filed disputes with their banks. XXXX  immediately removed the funds from my account ( s ) without allowing me to provide evidence beforehand. I later submitted extensive evidence showing : The buyers met in person and picked up the items The buyers confirmed satisfaction in messages afterward The dispute claims were false This appears to be coordinated fraud by two connected individuals XXXX  still ruled both disputes in the buyers favor. 

I repeatedly asked XXXX  for the reasons the disputes were accepted, for the evidence the buyers submitted, and for the name of the issuing banks so I could contest the chargebacks directly. XXXX  refused to provide any information, stating that they can not disclose anything and that all decisions are final, even though this dispute involved serious fraud. 

XXXX  also stated that I can not file arbitration against XXXX, even though their own User Agreement includes a mandatory arbitration clause for disputes about XXXX XXXX  handling of transactions. They said they have no involvement because the senders bank made the decision, even though Venmo removed the funds from my account and froze my mothers Venmo account for an alleged negative balance. 

Because XXXX  will not provide the bank name, evidence, or dispute documents, I can not challenge the chargebacks even though I have clear proof that these were legitimate in-person sales. 

The total loss is {$3200.00}, and XXXX  froze my XXXX  XXXX  account for months because the negative balance was placed on her account after the disputes. 

I am a minor ( XXXX ) and these funds represented a large portion of my savings. The {$3200.00} loss has caused significant financial hardship. I have also filed an IC3 report regarding the fraudulent buyers. 

The dispute IDs are : {$1500.00} transaction : XXXX {$1700.00} transaction : XXXX I need the CFPBs assistance in having XXXX  : XXXX. Provide the issuing bank ( s ) and dispute evidence XXXX Review the chargebacks again using the full evidence XXXX. Correct the negative balance and unfreeze my mothers account XXXX. Comply with their arbitration clause if needed XXXX  has refused to cooperate despite multiple attempts through chat and email.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: GA

Complaint narrative:
Please see supporting documents pertaining to the effects of Equifax and XXXX  data breech.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX  ] ] [ XXXX Fl XXXX ] [ XXXX ] [ XXXX ] Date : [ XXXX XXXX ] To : ] [ XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX TransUnion ] Dear [ XXXX  XXXX XXXX XXXX, XXXX TransUnion ] I am writing to formally dispute the accuracy of a charge-off account that appears on my credit report. This letter is being sent pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which gives me the right to dispute any information I believe to be inaccurate, incomplete, or unverifiable. 
The account in question is listed as follows : Creditor Name : [ XXXX XXXX  ] Account Number : [ XXXX ] Reported Status : Charge-Off Date Opened/Reported : [ XX/XX/XXXX last date reported XX/XX/XXXX ] Creditor Name : [ XXXX XXXX XXXX XXXX ] Account XXXX XXXX [ XXXX ] ] Reported Status : Charge-Off Date Opened/Reported : [ XXXX last date reported XX/XX/XXXX ] After reviewing my records, I believe this reporting is inaccurate and/or unverifiable. 
Under FCRA 611 ( 15 U.S.C. 1681i ), you are required to conduct a reasonable investigation of this disputed information. If the creditor or furnisher can not verify the accuracy of the charge-off entry within 30 days, it must be deleted from my credit report.

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 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian deleted several accounts from my credit report on XX/XX/year>, following my dispute filed through the CFPB on XX/XX/year>. Experian later reinserted the same accounts without providing the mandatory 5-day reinsertion notice required under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ). The reinserted accounts are also reporting inaccurately, incompletely, and in violation of Metro 2 standards, including missing status codes, missing payment history, missing XXXX, and contradictory status descriptions.

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 2025-11-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Global Lending Services LLC
State: SC

Complaint narrative:
Account is marked Derogatory even though the balance is {$0.00} and it shows as Settled. 

A settled account should not continue to report as Derogatory it should read Paid Settled. 

Verify that the date of last payment ( XX/XX/scrub>XXXX  ) and reporting date match your actual records. 

Dispute Request The GLOBAL LENDING SERVICES account reports a {$0.00} balance but remains marked derogatory. As it was settled, this should read Paid Settled per FCRA 607 ( b ). Please correct or delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
After receiving notice from Equifax that my personal information was compromised in a confirmed data breach, I discovered multiple unauthorized and fraudulent accounts appearing on my credit report. I immediately contacted Experian, TransUnion, and Equifax to dispute these accounts and submitted documentation supporting that these debts were not incurred by me. 

Despite my disputes, all three credit bureaus verified the information without providing any supporting documentation from the furnishers. This failure to properly investigate and validate the accuracy of these accounts violates : 15 USC 1681i ( a ) ( 1 ) : Duty to conduct a reasonable reinvestigation 15 USC 1681e ( b ) : Duty to ensure maximum possible accuracy 15 USC 1681i ( a ) ( 7 ) : Right to a description of verification procedures 15 USC 1692g and 1692e ( 8 ) : Duty of furnishers to validate debts and not report false information The continued reporting of these fraudulent accounts has caused significant harm, including denials of credit, emotional distress, and financial hardship. Experian, TransUnion, and Equifax have failed to comply with federal law by allowing unverifiable and inaccurate information to remain.

I respectfully request that the CFPB compel the credit bureaus and furnishers to provide full validation of each disputed account or immediately delete them from my credit reports to restore the integrity of my consumer file. 

Unauthorized Accounts Listed Below : XXXX ) XXXX  XXXX Amount : {$500.00} XXXXXXXX XXXX XXXX XXXX XXXX  Amount : {$2200.00} XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX Amount : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES WITH NO PERMISSIBLE PURPOSE : XXXX 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 explanation