vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-12-24 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: VA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

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 2025-12-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
I am filing a complaint regarding SoFis mobile app removing my ability to make a required loan payment. 

On [ DATE ], I attempted to make a payment on my active personal loan through the XXXX mobile app. The Make a payment option was completely absent. This was not a matter of difficulty finding it the payment option was removed entirely. 

In the exact area where the payment option normally appears, the app instead displayed a mandatory You may be eligible for better rates refinance prompt. There was no option to dismiss, opt out of, or bypass this refinancing flow, and no alternative path within the app to submit a payment. 

I checked multiple times and confirmed that there was no payment button or payment workflow available in the app at all. This effectively blocked my ability to make a payment using the platform SoFi promotes for loan servicing. 

While the web version later showed a payment option, the mobile app which SoFi encourages customers to use prevented payment entirely at the time I attempted to pay. This raises serious concerns that the app design interferes with borrowers ability to make timely payments and prioritizes refinancing solicitation over required loan servicing. 

I am concerned this practice could lead to missed or delayed payments, late fees, or credit reporting harm, and may constitute an unfair or deceptive servicing practice. I have screenshots documenting the absence of the payment option in the app.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-24 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: MA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-12-24 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 implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: TX

Complaint narrative:
I reviewed my credit report and identified one or more hard inquiries that I did not authorize and that are not associated with any open or approved account. I submitted a written dispute to the credit reporting agency requesting verification of these inquiries. The inquiries remain on my credit report despite my dispute. These inquiries are negatively impacting my credit profile and appear to have been added without permissible purpose or proper authorization.

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 2025-12-24 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: TX

Complaint narrative:
Considering my reliable payment history, the late payment on my account is unjustified. Please correct this mistake by removing it and ensuring my account is accurately updated.

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 2025-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Considering my reliable payment history, the late payment on my account is unjustified. Please correct this mistake by removing it and ensuring my account is accurately updated.

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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
On todays date, I discovered a credit card account opened in my name without authorization and contacted the company the same day. 

A credit card account issued by XXXXXXXX XXXX XXXX XXXX and branded as Chime was opened in my name without my authorization. 

At the time the account was opened, I had active credit freezes and a fraud alert in place with all three major credit bureaus. Despite these protections, the account was approved and later reported as a credit account on my consumer credit report. 

After discovering the account, I contacted Chime to report identity theft and requested confirmation of whether a consumer credit report was pulled, which credit bureau was accessed, and an explanation for how the account was approved during an active credit freeze. I also requested confirmation that the fraudulent account would be deleted from my credit reports. 

Chime representatives stated that they could not provide information regarding whether a credit report was accessed or explain how the account was approved unless I submitted a government issued photo ID and an FTC identity theft report. The company has not provided the requested information and has not confirmed deletion of the tradeline from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Ill was not stuggling to pay mortgage bankruptcies in 2022 Was dismissed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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:
Chronological Verification Impossibility XXXX XXXX XXXX ( FCRA 623 ( a ) ( 5 ) ) This complaint concerns inaccurate credit reporting by * * XXXX XXXX XXXX * * and the continued publication of this data by the credit reporting agencies. 

* * Account Name : * * XXXX XXXX XXXX * * Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account presents an * * impossibility of chronological verification under FCRA 623 ( a ) ( 5 ) * *. The reported * * Date of First Delinquency ( XX/XX/XXXX ) * * predates the * * account opening date ( XX/XX/XXXX ) * *, while the account continues to be * * actively updated as of XX/XX/XXXX * * and reported as a closed collection with a past-due balance. 

This creates a non-defendable reporting timeline that can not be verified or corrected without * * illegal re-aging * * of the account. As such, the information being furnished and maintained by the credit reporting agencies is * * not verifiable under federal law * *. 

I am requesting that this issue be transmitted to the credit reporting agencies for immediate review and correction consistent with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: MA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: NC

Complaint narrative:
I am submitting this complaint to request permanent blocking and deletion of a credit account that Experian continues to report without complying with the Fair Credit Reporting Act ( FCRA ). 

I previously disputed this account, and Experian states the item was updated following a reinvestigation in XX/XX/year>. However, Experian has failed to comply with multiple mandatory procedural requirements under the FCRA. 



FCRA VIOLATIONS XXXX. Failure to Provide Certification After Reinsertion FCRA 611 ( a ) ( 5 ) ( B ) After my dispute, Experian updated and continued reporting this account. Under 611 ( a ) ( 5 ) ( B ), any reinserted or updated information must be certified as accurate by the furnisher in writing before it may be reported again. 

Experian has not provided : The name or title of the individual who certified the reinsertion The date and method of certification Proof that the furnisher reviewed underlying documentation, not just database data Absent this certification, continued reporting is unlawful, and the account must be permanently blocked. 



2. Failure to Provide a Proper Method of Verification FCRA 611 ( a ) ( 6 ) I was not provided a lawful Method of Verification explaining how the account was verified.

Experian failed to disclose : The verification system used The specific documents relied upon How the balance accuracy was calculated Generic statements such as verified by furnisher do not satisfy 611 ( a ) ( 6 ).

3. Failure to Maintain Reasonable Procedures FCRA 607 ( b ) The account reports : A balance increase inconsistent with prior reporting A balance exceeding the stated credit limit/high balance Conflicting scheduled payment information These inaccuracies demonstrate that Experian is not maintaining reasonable procedures to assure maximum possible accuracy, in violation of 607 ( b ).

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 2025-12-24 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: FL

Complaint narrative:
I disputed an obviously incorrect account ( XXXX XXXX ) on equifax credit report. This is the second time and I even included proof that they are reporting incorrectly based on the info the company sent me. Equifax started the dispute and also completed it in less than 10 hours with no changes made. This company most assuredly did not dispute the item correctly nor did they request verification from the account company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: NC

Complaint narrative:
I am filing this complaint to request the permanent blocking and deletion of a credit account that Equifax continues to report in violation of the Fair Credit Reporting Act ( FCRA ). 

I previously disputed this account. Equifax states the item was verified and updated following reinvestigation. However, Equifax has failed to comply with mandatory procedural requirements of the FCRA, rendering continued reporting unlawful.

FCRA VIOLATIONS 1. Failure to Obtain and Maintain Written Certification After Reinsertion FCRA 611 ( a ) ( 5 ) ( B ) After my dispute, Equifax continued reporting this account. Under 611 ( a ) ( 5 ) ( B ), Equifax is required to obtain written certification of accuracy from the furnisher before re-reporting any previously disputed information.

Equifax has not provided : The name, title, and business address of the individual who certified the reinsertion The date and method of certification Evidence that underlying account documentation was reviewed Without lawful certification, Equifax is prohibited from continuing to report this account.

2. Failure to Provide a Proper Method of Verification FCRA 611 ( a ) ( 6 ) Equifax failed to provide a lawful Method of Verification explaining how the account was verified.

Specifically, Equifax did not disclose : The verification system used The specific documents relied upon How balance and payment accuracy were calculated Generic statements such as verified by furnisher do not meet the requirements of 611 ( a ) ( 6 ).

3. Failure to Follow Reasonable Procedures to Assure Maximum Possible Accuracy FCRA 607 ( b ) The account contains material inaccuracies and inconsistencies, including : Balance reporting inconsistent with prior months A balance exceeding the reported credit limit or high balance Conflicting scheduled payment information These inaccuracies demonstrate a failure to maintain reasonable procedures under 607 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: DE

Complaint narrative:
I have an auto loan with Credit Acceptance Corporation. I submitted a complaint regarding my loan, after which my online account entered a review state where payment information was unavailable and the remaining balance displayed as N/A. 

During this period, I contacted the company and was informed verbally that the account was under review. I also sent a written message through the companys online portal requesting written clarification of my account status and billing. 

I subsequently received an email from a Compliance Analyst acknowledging my complaint and requesting a phone call. I responded in writing requesting that all communication remain in writing for documentation purposes. 

Without providing any written determination, findings, or resolution of my complaint, Credit Acceptance later restored billing in my online account and displayed a payment due with a due date, despite the complaint remaining unresolved and no written explanation being issued. 

I am disputing the companys decision to reinstate billing while a compliance complaint is still pending and without providing a written determination explaining the status change. I am requesting that Credit Acceptance be required to provide a formal written explanation and determination regarding my complaint and the restoration of billing.

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