vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-06-25 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Under 15 U.S.C. 1681i ( a ), the credit bureau ( Experian ) is required to complete a reinvestigation within 30 days of receiving my dispute ( Complaint # XXXX ). I have not submitted any new documentation that would extend this period to 45 days. 

As of today, more than 30 days have passed, and Experian has failed to correct or delete the inaccurate information. I want to clearly distinguish that being assessed a late fee is not the same as being 30 or 60 days delinquent, which is what was reported. At no point was I ever 30 days or more late on any lease Ive had, and therefore, this derogatory reporting is factually incorrect and continues to do me harm. This constitutes a direct violation of the Fair Credit Reporting Act. 

I respectfully request that the CFPB take immediate enforcement action and require Experian to delete the inaccurate tradeline, pursuant to 15 U.S.C. 1681i ( 5 ), which mandates the deletion of any uncorrected or unverified information following a failed reinvestigation.

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 2025-06-25 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 submitted multiple mailed disputes to Experian regarding : XXXX. XXXX XXXX This account was previously removed and has now been reinserted without written notice, which violates FCRA 611 ( a ) ( 5 ) ( B ). I was never notified of the reinsertion within the legally required 5-day window.

2. Duplicate and incorrect accounts Experian is reporting two accounts from XXXX XXXX XXXX XXXX, and a third from XXXX, all showing late payments. These were credit-builder accounts, not loans, and were never late or delinquent. These accounts were closed in good standing and should not show derogatory marks or duplicates.

I mailed my disputes with my ID and proof of address. Experian responded with two identical stall letters, claiming the disputes may not have been submitted by me due to my use of XXXX ( a legal USPS mail processor ). I personally submitted these disputes and they are continuing to deny my rights under FCRA 611 ( a ) ( 1 ) ( A ) and 623.

I am requesting that Experian : Remove the XXXX XXXX account due to unlawful reinsertion Remove or correct the credit builder account errors and duplicates Stop issuing stall letters and investigate valid consumer disputes 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 explanation
Consumer complaint received 2025-06-25 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: MA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXXXXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Google Compare Credit Cards Inc.
State: UT

Complaint narrative:
I was gifted a {$30.00} XXXX XXXX gift card. I redeemed the gift card to my XXXX XXXX balance / wallet. I tried to buy a XXXX subscription for {$29.00}. XXXX was {$2.00}, bringing the total to {$32.00}. I was unable to use my {$30.00} credit because there is not enough in my account. There is no option for split payment. XXXX XXXX XXXX asks me to use a different payment method. Then I tried to add {$2.00} to my balance / wallet and XXXX XXXX only lets me add amount of {$10.00}, {$15.00}, {$25.00}, or {$50.00}. I do not want to add more than I need to use my gift card balance. I opened a customer service chat and the agent was unable to help me with a split payment nor could they add any amount to my balance. Please help ensure XXXX XXXX lets their customers use the money in their 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 2025-06-25 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: CA

Complaint narrative:
In XX/XX/year>, Equifax reinserted late payment information for a XXXX account ending in XXXX, which had previously been cleared from my credit report. I am not disputing the account itself, but I am disputing the accuracy of the payment history, which now reflects three late payments that were not there before.

Per the FCRA 611 ( a ) ( 5 ) ( B ), Equifax is required to notify consumers in writing before reintroducing previously deleted negative information. I never received such notice.

Additionally, I attempted to file a formal dispute with Equifax and upload supporting documentation, including my government ID, utility bill, and a signed dispute letter. However, Equifaxs online system repeatedly blocked me from uploading documents, making it impossible to support my claim.

I requested verification of how these late payments were confirmed, who verified them, and when, but have received no answers.

This dispute concerns Equifaxs failure to follow federal law, specifically : Lack of proper reinvestigation under FCRA 611 Failure to notify prior to reinsertion under FCRA 611 ( a ) ( 5 ) ( B ) Blocking evidence submission, which prevented a fair dispute process I am requesting that the inaccurate late payments be corrected to Current or removed if Equifax can not verify them with valid documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: TX

Complaint narrative:
I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$330.00} INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX 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 2025-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am attaching a debt validation letter to this company so that they can respond to me through this portal and not outside of this portal.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Since XX/XX/2023, I have been unable to access my Experian credit report because Experian refuses to update my current address, even after I submitted proper documentation multiple times. I have provided my government-issued ID, utility bills, and signed written requests to verify my address, but they have not corrected my file.

When I log into my Experian account, I receive an error message saying, " Sorry, we can't show you today 's report. This might mean that your lenders have different personal info for you than we do. '' I have attempted to correct this by filing disputes and contacting Experian by phone, but my address is still missing from my credit file as shown in my Experian report under the personal information section.

Without my correct address listed, I am being unlawfully denied access to my credit report, violating my rights under the Fair Credit Reporting Act ( FCRA ) Section 609. I have exhausted all other options and now request immediate intervention from the CFPB to ensure Experian corrects my address and provides me full access to 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 explanation
Consumer complaint received 2025-06-25 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: IL

Complaint narrative:
Ive recently received a copy of my consumer report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These accounts/remarks have been detrimental to my life and credit health. I have filed several disputes and Lexus Nexus has not been able to provide information proving XXXX  has verified the information as accurate and belongs to me. I have provided proof that the address on file for the account does not belong to me and not associated with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: MI

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have some unfortunate news. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within fourbusinessdays.

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 2025-06-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: OPTUM BANK, INC.
State: TX

Complaint narrative:
I am trying to log in to my XXXX account through Optum Bank. Every time I log in, it kicks me out. Optum Bank has essentially no customer service. Emailed them and have not received anything back...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I had a payment agreement with Credit Acceptance to submit a {$150.00} payment by XX/XX/XXXX or XXXX to prevent repossession of my vehicle. I submitted the payment through their system on XX/XX/XXXX and received a confirmation number, which I have saved in a dated screenshot showing it was submitted on time. 

Despite this, my vehicle was repossessed this morning ( XX/XX/XXXX ), and I was told their system shows a posting date of the XXXX. That is not my fault and does not reflect the actual submission date, which was within the agreement. 

I contacted Credit Acceptance immediately and spoke with multiple representatives : XXXX ( XXXX XXXX ) dismissed my evidence and hung up on me. 
XXXX mentioned screenshots can be altered and refused to accept it as proof. 
XXXX, another supervisor, was polite but unable to resolve the issue.

Additionally, two representatives contacted me the week before the repossession and never mentioned that the agreement was in jeopardy or that I was at risk of default. I received no email, account alert, or phone notice prior to the repossession. If I had been told, I would have acted immediately. 

I am requesting : 1. Immediate return of my vehicle 2. Waiver of all repossession-related fees 3. Correction of any negative reporting to my account I am attaching the screenshot as proof. This situation has caused undue stress, hardship, and disruption despite my full compliance with the payment agreement. I believe this constitutes unfair or deceptive practices and may also violate consumer protection laws.

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 2025-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: TX

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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 2025-06-25 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: NC

Complaint narrative:
on XX/XX/year>, my identity was stolen. Someone opened a chime checking account and transferred approximately {$500.00} from my XXXX account into the chime account later that day I found out about the identity theft took my identity back and contacted chime to see what was going on with the account that has been opened. The chime bank employee informed me that they would close the account but would not discuss anything that has to do with the account they gave me no options to verify myself. They are holding the money and will not communicate with anyone in regards to the account. I have contact them numerous times trying to get any information but they will not give any information of any kind in any regard.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: IL

Complaint narrative:
Kindly assist me in launching an investigation regarding these accounts, which are incorrectly appearing on my credit report. Under the guidelines of USC 1681g, I am making a formal request for their removal within 15 days. Supporting documents have been enclosed for your reference. Please note that the details reported by each bureau vary and are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$930.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$530.00} INQUIRIES : XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: IL

Complaint narrative:
I am asking for your assistance to look into accounts from these companies that are wrongly reporting late payments. After reviewing my credit report, I noticed certain accounts marked late incorrectly. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to show them as paid as agreed.

Company response to consumer: Closed with explanation