vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-09 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: AZ

Complaint narrative:
When I reviewed my Equifax credit report, I was disappointed and frustrated to find that several of my paid accounts are still being inaccurately reported with late payment histories, even though each one has been fully settled and carries a XXXX past due balance. The accounts in question 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese accounts are completely paid off and closed in good standing, yet Equifax continues to display them as having a history of delinquency. This kind of reporting is both inaccurate and harmful, violating the Fair Credit Reporting Acts obligation to ensure that every piece of information furnished to a credit bureau is complete and correct. Under 15 U.S.C. 1681e ( b ), Equifax has a clear legal duty to use reasonable procedures to maintain maximum possible accuracy in consumer reports, and under 1681i, it must perform a thorough reinvestigation when notified of errors.

Its disheartening to see such errors persist, especially after maintaining responsible payment habits and doing everything right as a consumer. These marks unfairly make it look as if Ive failed to meet my obligations when, in truth, Ive met every one of them. The emotional weight of knowing that inaccurate data continues to hurt my financial standing is immense. Each time I apply for credit, I am forced to live with the anxiety that an error beyond my control might cost me an opportunity Ive worked hard for.

What makes this situation even more painful is that these inaccuracies are not mere clerical oversights they have real consequences. They can influence how lenders view my reliability, affect my loan eligibility, and even alter the interest rates I am offered. It is deeply unfair to have my integrity as a borrower questioned because Equifax failed to ensure the accuracy of its reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: UT

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 INQUIRIES : 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 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 2025-10-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Zions Debt Holdings
State: TX

Complaint narrative:
Zions Debt Holdings is reporting a {$440.00} debt to my credit report that I do not legally owe. I disputed this debt and requested proper validation under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Instead of providing a signed contract with identity verification or itemized billing from XXXX, they sent me a generic XXXX document with no signature, timestamp, IP address, or identity verification. 

I specifically asked for : A signed, legally binding agreement with proof of my identity Itemized billing from XXXX  showing how the balance was calculated Verification from XXXX  that I received services under the alleged contract Zions refused to provide this and instead stated I would have to pay off the debt in full or it stays on your credit, which is coercive and unlawful if they can not validate the debt. 

In addition, I have a settlement offer letter from XXXX XXXX XXXX XXXX XXXX XXXX ( the prior collector who claims they currently own the account ) showing the original debt was {$340.00}, and they offered a {$170.00} settlement with no interest being added. Zions is now reporting the debt as {$440.00}, inflating the balance with unauthorized interest and late fees, without any breakdown or proof of assignment from XXXX. 

Zions is continuing to report this debt on my credit without legally required validation, and their representative, XXXX XXXX, flatly refused to verify anything beyond a template email. 

This is not a duplicate complaint. 
It is a request for escalation due to the companys failure to provide legal validation, refusal to comply with FCRA and FDCPA, and ongoing reporting of an inflated, unverifiable debt. The prior CFPB complaint was closed with no proper resolution. I am requesting that CFPB take further action.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding AFFIRM INCs failure to properly verify and correct inaccurate information reported on my credit file. Despite my dispute, the creditor allegedly verified the account as accurate with XXXX, XXXX  and XXXX  yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. AFFIRM INC has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. 

AFFIRM INC XXXX, AFFIRM INC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: AZ

Complaint narrative:
Wakefield and Associates is pursuing me for a debt that I do not owe. I have no affiliation with the healthcare provider listed in the collection notice, and I have never received treatment or services from them.

I have contacted Wakefield & Associates on [ Date ( s ) of Contact ] to dispute the validity of this debt. Despite my efforts to communicate that this debt does not belong to me, the agency has continued to pursue collection efforts without providing adequate proof of the debt.

Fair Debt Collection Practices Act ( FDCPA ) : The FDCPA prohibits debt collectors from engaging in deceptive or misleading practices. The collection agency has failed to validate the debt as required under Section 809 of the FDCPA, which mandates that a consumer can request verification of a debt and that the collector must provide such verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Chimes 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 Chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Chime has not only neglected to protect 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: CT

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX  Equifax XXXX XXXX  credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On the evening of XXXX XX/XX/2025 at approximately XXXXXXXX XXXX local time, I was unable to make or receive telephone calls, access send/receive emails, unable to access XXXX account from both telephone or computer. This continued until XXXX XXXX was able to determine the account, both my and my wifes account, had been fraudulently stolen, Ported Out, to a service provider called +Visible. We, both my and my wife were denied access to our telephone, email and internet service until it was returned on XXXX XX/XX/2025. This Identity Theft included our banking checking, savings and credit/debit cards being compromised. New credit cards and a bank personal loan were fraudulently initiated as well as charges on existing accounts made without our knowledge. 

To date I have been able to deal successfully with almost all accounts, except a fraudulent personal loan taken with Barclays Bank of Delaware ( Account ending in XXXX ). They have denied my Dispute without providing a reason or cause and have failed to take or make any telephone, mail or email communications despite numerous calls I have made to their Customer Support groups. I find this interesting since I also had a Barclays- XXXX XXXX credit card with fraudulent charges quickly and professionally resolved?

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 2025-10-09 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: ClearOne Advantage, LLC
State: AZ

Complaint narrative:
In XX/XX/year>, I enrolled with ClearOne Advantage for a debt-settlement program covering five accounts totaling about {$10000.00}. Since then, I have paid approximately {$1600.00} into the program. ClearOne collected over {$1300.00} in fees but only claimed to pay less than {$200.00} toward my creditors.

According to their client portal, ClearOne charged full and partial settlement fees on accounts that were never paid or settled. My credit report shows no creditor received payment and that all balances have increased. My debts now total about {$11000.00}, even though the program was supposed to reduce them.

I made several calls and sent emails over the past few months but could not reach anyone ; calls disconnect or go unanswered. When I finally spoke with customer service and a manager, both said they were confused about what happened with my account. The manager admitted my concerns were valid, said they could see issues and voided payments to my creditors on their end, and stated that my account was a mess. 

Their affiliated company, XXXX XXXX, has a section called View Check, which does not display an actual check. It only shows a document titled Proof of Payment Transmission with no confirmation number, check image, or proof that the payment cleared. My creditor confirmed they never received this payment. ClearOne also charged its settlement fee on the same day the check was cut, not after the payment cleared, which violates the Debt Relief Rule.

I was told my deposits would build in a dedicated XXXX XXXX account to be used for settlements. Instead, the company withdrew its own fees first, leaving insufficient funds to pay creditors. This contradicts what I was told and appears deceptive. 

In XX/XX/year>, I received a court summons from one of the creditors ClearOne was supposed to be handling. I asked for a full accounting, proof of any payments to creditors, and a refund of all fees taken before any real settlements were completed. I also requested program cancellation, but ClearOne continues to attempt withdrawals.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX bankruptcy courts -VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court ( XXXX XXXX bankruptcy courts ) that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have noticed late payment entries on my credit report that I believe are incorrect. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, my credit report must include only accurate, complete, and verifiable information. I am requesting that these late payment entries be thoroughly verified, and if they can not be substantiated, I ask that they be corrected or removed.

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 2025-10-09 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: TX

Complaint narrative:
I am filing this formal complaint regarding multiple serious inaccuracies and unauthorized information being reported on my credit profile. These errors are causing significant harm to my creditworthiness and violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

The following accounts and entries are inaccurate, incomplete, or fraudulent and must be thoroughly investigated and removed : Wrong Address Reported : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX This is not, and has never been, my residence. The reporting of this address is a clear violation of FCRA as it misrepresents my personal identifying information. 

Inaccurate Accounts/Tradelines 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 not authorize these inquiries. Under FCRA 604, hard inquiries without my consent are prohibited. These must be removed immediately.

Violations of Law : Failure to report accurate information ( FCRA 623 ).

Reporting unverifiable accounts and addresses.

Allowing unauthorized inquiries without permissible purpose ( FCRA 604 ).

Requested Resolution : I respectfully demand the CFPB to : Conduct a full investigation into the above-mentioned inaccurate and unauthorized credit reporting.

Direct the credit reporting agencies XXXX XXXX  Experian, XXXX ) and furnishers to provide proof of verification or delete the accounts immediately.

Remove all wrong addresses, unauthorized inquiries, and unverified accounts from my credit file.

Provide me with written confirmation once these corrections are made.

These inaccuracies are damaging my financial reputation, limiting my ability to obtain credit, housing, and fair financial opportunities. I request immediate corrective action in accordance with the 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 2025-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
I am filing a complaint against Sunrise Credit Services. They placed a collection account on my credit report for an outstanding balance with XXXX. 
However, I was never notified by Sunrise. I received no written notice, no phone call, no email, and no mailed letter giving me my right to dispute this debt.

This is a violation of the Fair Debt Collection Practices Act ( FDCPA 809 ). 

Furthermore, I still have access to my XXXX account, and it continues to show the balance as payable directly through XXXX billing portal. This indicates that the debt may not have been legally assigned or sold to Sunrise. 

Sunrise is reporting this debt without proper notice or validation, and I request the CFPB to : Investigate this unlawful reporting, Require Sunrise to provide documentation of assignment from XXXX, And remove the tradeline from my credit report unless proper validation is provided.

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 2025-10-09 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: CA

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 : 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 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