vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 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:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian P.O. XXXX XXXX XXXX, TX XXXX RE : Formal Dispute of Inaccurate/Unverifiable Information Experian Credit File Report Number : XXXX | Report Date : XX/XX/XXXX | XXXX : XXXX | To Whom It May Concern, This cover letter accompanies my enclosed disputes pursuant to the Fair Credit Reporting Act ( FCRA ). I am asserting my rights under FCRA 602A, 607 ( b ), 609 ( a ), 611, 623, and 605/605B. The items listed below are being disputed as unverifiable, inaccurate, incomplete, and potentially unauthorized. If you can not verify each item with original source documentation, you must delete it from my file within 30 days of receipt. 
Disputed Items ( Experian ) : XXXX XXXX XXXX Auto loan, charge-off reported ; Account # : XXXX ; Status history shows charge-off with repossession indications. Demand reinvestigation with original contract, full payment ledger, and repossession/deficiency documentation. 
XXXX XXXX XXXX XXXX repossession reported ; Account # : XXXX ; Continuous repo status since XXXX. Provide original retail installment contract, notice of default, right-to-cure, sale/auction records, and deficiency calculation or delete. 
XXXX XXXX XXXX ( XXXX. Creditor : XXXX XXXX ) Collection ; Account # : XXXX ; Provide chain of title/bill of sale, complete itemization, and original XXXX service agreement authorizing the debt or delete. 
XXXX XXXX XXXX ; Account # : XXXX ; Provide service agreement, itemized statements, and evidence of authorization/assignment ; otherwise delete as unverifiable/incomplete. 
XXXX XXXX XXXX XXXXXXXX XXXX Secured loan ; Account # : XXXX ; Incorrect 30day late notation in XXXX on an account reported paid/closed. Correct to paid as agreed or delete the tradeline. 
Please conduct a reasonable reinvestigation under FCRA 611 and provide the method of verification per 611 ( a ) ( 6 ) ( B ) ( iii ) and the underlying documentation per 609 ( a ). If any furnisher can not provide competent evidencesuch as a signed original agreement, complete account-level history, lawful assignment/chain of title, and, where applicable, repossession and deficiency paperworkyou must permanently delete the item ( s ).

This letter imposes a 30day deadline from receipt. Noncompliance may constitute willful or negligent violations under FCRA with remedies available, and I reserve all rights.

Enclosures : Copy of governmentissued photo ID Proof of current address ( utility bill/bank statement ) Highlighted copy of Experian report showing disputed entries Individual dispute letters for each item ( Experian + furnisher copies ) Sincerely, XXXX XXXX ID Security Alert previously placed ; please honor and verify identity before any credit extensions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
CAN NOT LOGIN TO XXXX XXXX  ACCOUNT ; CANT RESET PASSWORD OR USE DEBIT CARD. CANT ACCESS FUNDS AT ALL OR EVEN REACH A LIVE PERSON TO HELP ME. NEED ACCESS TO MY FUNDS IMMDEIATELY!

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: CA

Complaint narrative:
My Mortgage servicing was recently re-assigned to a company called LOANCARE. 
On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, I received a 'Welcome letter ' via email and called immediately to request that the Property taxes be impounded on my Account # XXXX. 

Since XX/XX/XXXX, I have felt and I still feel that LOANCARE is not operating with that degree of integrity and honesty that should be required of a Mortgage servicing company.

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 2025-10-21 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: KY

Complaint narrative:
b'To:\nEquifax Information Services LLC\nXXXX XXXX XXXX GA XXXX-XXXXExperianXXXX XXXX XXXX TX XXXXTransUnion Consumer SolutionsXXXX XXXX XXXX PA XXXXDate: XXXX XXXX XXXXSubject: Request to Update / Change Address on My Credit File\nFull Name: XXXX XXXXDate of Birth: XXXX XXXX XXXXSocial Security Number: XXXXNew Mailing Address:XXXX XXXX XXXX, KY XXXXDear Credit Bureaus,\nI am writing to request that each of the credit reporting agencies listed above update my address in your records. Please ensure that all files and reports associated with my credit history reflect my new current mailing address shown above.\n\nRemove Fraudulent Addresses, these are not valid: \nFull Address HistorXXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  TX XXXX   XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX  TX XXXX   XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXXXXXX XXXXEnclosed are copies of the following documents to verify my identity and address:\nGovernment-issued photo identification (copy)\nProof of current residence (such as a utility bill, lease agreement, or bank statement showing my name and new address)\n\nThank you for your prompt attention to this matter.\nSincerely,\n(Signature)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 2025-10-21 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: KY

Complaint narrative:
b'To:\nEquifax Information Services LLC\nXXXX XXXX XXXX GA XXXX-XXXXExperianXXXX XXXX XXXX TX XXXXTransUnion Consumer SolutionsXXXX XXXX XXXX PA XXXXDate: XXXX XXXX XXXXSubject: Request to Update / Change Address on My Credit File\nFull Name: XXXX XXXXDate of Birth: XXXX XXXX XXXXSocial Security Number: XXXXNew Mailing Address:XXXX XXXX XXXX, KY XXXXDear Credit Bureaus,\nI am writing to request that each of the credit reporting agencies listed above update my address in your records. Please ensure that all files and reports associated with my credit history reflect my new current mailing address shown above.\n\nRemove Fraudulent Addresses, these are not valid: \nFull Address HistorXXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  TX XXXX   XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX  TX XXXX   XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXXXXXX XXXXEnclosed are copies of the following documents to verify my identity and address:\nGovernment-issued photo identification (copy)\nProof of current residence (such as a utility bill, lease agreement, or bank statement showing my name and new address)\n\nThank you for your prompt attention to this matter.\nSincerely,\n(Signature)XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: PA

Complaint narrative:
Subject : Formal Dispute Unverified Collection Reporting from XXXX XXXX XXXX Account # XXXX Dear Credit Bureau, I am disputing the reporting of XXXX XXXX XXXX, account # XXXX, on my credit file. 

Disputed Errors : Collection account is being reported without any proof of ownership.

No original signed contract or documentation provided.

Balance is being reported without validation. 

Violations : FCRA 607 ( b ) : Failure to assure accuracy in reporting.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers can not report unverifiable data.

FDCPA 809 ( b ) : Debt collectors must provide validation upon request.

FCRA 611 : Duty to reinvestigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: PA

Complaint narrative:
Subject : Formal Dispute Unverified Collection Reporting from XXXX XXXX XXXX Account # XXXX Dear Credit Bureau, I am disputing the reporting of XXXX XXXX XXXX, account # XXXX, on my credit file. 

Disputed Errors : Collection account is being reported without any proof of ownership.

No original signed contract or documentation provided.

Balance is being reported without validation. 

Violations : FCRA 607 ( b ) : Failure to assure accuracy in reporting.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers can not report unverifiable data.

FDCPA 809 ( b ) : Debt collectors must provide validation upon request.

FCRA 611 : Duty to reinvestigate.

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 2025-10-21 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: CA

Complaint narrative:
I have been going back-and-forth with XXXX XXXX over this account for the last year! I paid the balance with the collection agency and there was a {$15.00} credit. They have opened and closed this account at least three separate times, this is ridiculous! It will get fixed and a few months later it happens all over again. Im tired of this and if I could sue XXXX XXXX for harassment, if I had the money to hire an expensive attorney to do it I would, but I can not. To me this is harassment and that is how Im seeing it. I am not only asking, but almost begging the comptroller Office, or whoever runs it to not keep giving XXXX XXXX a slap on the wrist but to aggressively fine them even though its only {$15.00}, it shows up on my credit report and hurts my credit. Im a XXXX veteran with a XXXX rating. Im not telling anyone what to do, but if XXXXXXXX XXXX doesnt stop this, the next call I make will be to the White House and we know how much Donald Trump the current president and this administration loves the Veterans, especially ones with XXXX ratings thank you very much for your attention.

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 2025-10-21 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: AR

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-21 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: IL

Complaint narrative:
I need to emphasize that this complaint is not a mistake. My credit report contains inaccuracies that clearly fail to meet the standard of maximum possible accuracy required by law. These errors are causing significant and ongoing harm to my financial well-being. This situation has placed me under considerable stress, and I expect immediate corrective action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: AR

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FUTURE FINANCE COMPANY
State: IL

Complaint narrative:
I paid off my vehicle on XX/XX/year> with a debit card I was told I would receive the title in 45 days after I called back a second time I was told they were holding my title for 45 days then I could pick it up or they would mail it out I was in the process of getting a loan and needed the title which now they need to pull my credit again there was no reason for them to hold my title after the car was paid off they didnt even send it to the state I still need to do that and have them removed from being a lien holder

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I TOOK OUT A BALANCE TRANSFER OF {$14000.00} BACK IN XXXX. MY PROMO ENDS IN XXXX. I WANT TO PAY OFF MY BALANCE TRANSFER BEFORE XXXX SO I DONT PAY INTEREST ON THAT AMOUNT. THE ENTIRE REASON I TOOK OUT THIS BALANCE TRANSFER IS TO GIVE ME MORE TIME TO PAY IT OFF. WHEN I CALLED THE BANK THEY SAID I CAN NOT PAY OFF THE BALANCE TRANSFER AMOUNT WITHOUT PAYING THE ENTIRE CARD OFF OF {$25000.00}, WHICH I DO NOT HAVE RIGHT NOW. THE BANK IS DEFRAUDING PEOPLE BECAUSE THEY DO THIS BECAUSE THEY WANT TO COLLECT THE INTEREST FROM THE YEAR AND A HALF ON THE BALANCE TRANSFER. ITS TO THEIR BENEFIT TO NOT ALLOW YOU TO ALLOCATE YOUR LUMP SUM PAYMENT TO THIS PROMO. EVERY MONTH I PAY ALOT MORE THAN MY MINIMUM OF {$490.00} SO THEY CAN ALLOCATE THAT TO WHATEVER BALANCE THEY WANT BUT THEY DONT APPLY IT TO MY BALANCE TRANSFER, WHICH IS THE OLDEST BALANCE. NO, THEY APPLY IT ALWAYS TO MY NEWEST BALANCE. I USE THIS CARD AS MY ONLY CARD FOR DAILY ACTIVITIES SO THIS IS THE ONLY REASON THE CARD IS SO HIGH RIGHT NOW. BARCLAYS CARD US NEEDS TO ALLOW ME TO PAY MY BALANCE TRANSFER IN A SEPERATE TRANSACTION AS A ONE TIME LUMP SUM PAYMENT.

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 2025-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: NV

Complaint narrative:
I am writing to formally express my concerns regarding chime handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using chime numerous times and reporting discrepancies, my financial institution and chine failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. 


On XX/XX/XXXX I had a text message with a chime link sent to my phone stating I was locked out so I used the link to log in and it stated my account was fine I then closed down the message and went to sleep to wake up to almost XXXX being taken out of my account thru fraud money transfers that should not have been allowed since the day prior I had used my transfer limit for the month. I filed a dispute with chime, chime went thru and denied my dispute saying there was no error in their system, which in fact there wasnt an error in their system I didnt creat my case due to an error I created my case due to fraud they did not investigate with due diligence nor did they proplery handle my personal information from scammers

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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 Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-10-21 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: IL

Complaint narrative:
These hard inquiries do not belong to me, have not been authorized by me and should be removed. 
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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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