vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern, I am formally requesting that you reinvestigate and remove the following inaccurate accounts from my consumer report, as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) : XXXX XXXX These accounts are not accurate and continue to appear despite prior disputes. Their presence on my report is causing me financial hardship, credit denials, and reputational harm. If these accounts are verified again, I request that you provide a full method of verification and the furnishers response. 

Please complete your reinvestigation and respond to me in writing within the statutory time frame. I am including a copy of my ID and proof of address for verification. 

Sincerely, 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 2025-07-20 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: HI

Complaint narrative:
I am writing to dispute the accuracy of the XXXX XXXX XXXX. account appearing on my credit report. After reviewing the details, I have identified several inconsistencies and potential violations of the Fair Credit Reporting Act ( FCRA ) : The charge-off is reported as of XX/XX/XXXX, yet delinquency clearly began in XX/XX/XXXX, as your own payment history shows. Under FCRA 605 ( c ), the Date of First Delinquency ( DOFD ) must be used to determine the charge-off reporting period. This account appears to be re-aged a violation of federal law.

The account reports multiple CO entries well after charge-off began, which is misleading and not in accordance with Metro 2 reporting standards. 

There is no last payment date, no payment history after XX/XX/XXXX, and vague balance tracking, making this account unverifiable. 

The reported 6-month term is inconsistent with the 12+ month payment reporting timeline. 

Due to these serious issues, I request the immediate deletion of this XXXX XXXX account from my credit report. If the data furnisher can not provide accurate and verifiable records within 30 days as required under FCRA 611, the account must be removed. 

Sincerely,

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 2025-07-20 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: Chime Financial Inc
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX Date : XX/XX/XXXX Sent via Certified Mail To : Chime Financial , Inc. 
XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, CA XXXX Re : ChimeStride Credit Builder Account Unknown Account Number Balance Reported : {$1600.00} Date Opened/Last Payment ( per credit report ) : Reported XX/XX/XXXX ; Charge-off XX/XX/XXXX To Whom It May Concern : This letter is being sent under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and relevant state laws regarding fraudulent accounts. 

I am formally disputing the validity of the above-referenced account on my credit report. I assert that I * * did not open or authorize * * this account. According to my records, the account was opened and charged off in early XXXX. At that time, I was * * XXXX XXXX XXXX XXXX * *, as documented in the enclosed records, rendering me physically unable to initiate or use this account. I demand full validation and verification of the debt under FCRA 1681i.

I request that you immediately : 1. Provide proof that I opened or authorized this account, including signed agreements, account applications, IP logs, or identity-authentication records.

2. Confirm the name and address of the original creditor ( if different ).

3. Supply account statements showing dates of activity and balances.

4. Document any chain of ownership, assignment, or sale of the alleged debt.

Furthermore, under * * FCRA 1681i ( a ) ( 2 ) * *, you must mark this account as * * disputed * * in all credit reporting furnished to XXXX XXXX XXXX XXXX, and complete your reinvestigation in a timely manner.

If you can not validate the debt, you are legally obligated to * * delete a
ll references * * to this account from my credit report under * * FCRA 1681i ( d ) * *. If you continue to report this disputed and apparently fraudulent account, I may file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Georgia State Attorney Generals Office, and may pursue injunctive or monetary relief as allowed under FCRA 1681no. 

Please provide a written response within * * 30 days * * of receipt of this letter. I have enclosed copies of my ID and XXXX records for your review. 

Sincerely, XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX Email : XXXX Address : XXXX XXXX XXXX, XXXX XXXX GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
This is an email sent to the bank of america XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Para : XXXX Dear Bank of America XXXX Department, Regarding claim # XXXX, I detail a critical operational constraint in my non-resident account opened since years ago and propose technically viable solutions already supported by your systems : XXXX. XXXX XXXX ( Unavoidable Restrictions ) Mobile number limitation : o As a non-resident, I lack permanent local numbers and can not use third-party numbers ( violating a confidentiality protocols ). 
o Mobile numbers ( my only option ) are, numbers by apps.

Unable to receive SMS verification codes, currently required for sensitive operations ( e.g., adding XXXX beneficiaries ). 
Verified inconsistency : o Phone agents successfully authenticate all data ( full account access granted ). 
o Post-verification, automated systems override requested changes ( e.g., updating contact methods ), blocking key functionalities. 
XXXX. Proposed Technical Solutions ( Immediate Implementation ) I request activation of audited, functional channels : Registered email ( XXXX ) is my instructions about priorities contact since a long time for : o OTP verification codes. 
o Security alerts. 
XXXX security key ( previously linked ) for : o Authorizing beneficiary/XXXX  changes XXXX 
o Replacing SMS dependency. 
Technical rationale : Both methods are more secure than SMS ( less vulnerable to SIM-swapping ) and comply with XXXX XXXX XXXXXXXX standards. 
XXXX. Operational Requirements Protocol updates : o Remove mandatory SMS verification, prioritizing email/security key. 
o Synchronize automated systems with human-verified approvals.

Written certification confirming : o Email is prioritized for communications.

o Security key is enabled for XXXX operations. 
I appreciate your collaboration to normalize this process, ensuring my account operates under security standards suitable for non-residents since 16 years Sincerely, XXXX XXXXXXXX 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 2025-07-20 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Re : CFPB XXXX XXXX XXXX XXXX XXXX Account This response is unacceptable and is clearly an illegal stall tactic. 

You already received my government-issued ID, Social Security number, and a bank statement. These were submitted through the CFPB portal along with my original complaint. You claiming otherwise is false and appears to be a deliberate attempt to delay a proper reinvestigation. 

Let me be absolutely clear : * * What part of XXXX XXXX XXXX is not my debt do you not understand? * * * * What part of your own written statement to me, saying that XXXX XXXX would be removed from my credit report, do you not understand? * * In addition to failing to remove the account, you have * * illegally re-aged the debt * *. This is a direct violation of the Fair Credit Reporting Act and will be reported accordingly. 

A copy of your written statement and all documentation you falsely claim not to have received is included in the attachment to this complaint. 

I have escalated this matter to the Federal Trade Commission and the Attorney General 's office. 

I am demanding the immediate deletion of this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: NV

Complaint narrative:
Good day, I'm Sending this complaint, regrading to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to rewove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$9000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$25.00} XXXX XXXX Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$25.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was a victim of fraud/identity theft and a credit card was fraudulently applied for in my name via XXXX XXXX on XX/XX/year>. I contacted Equifax with a request to have the hard inquiry removed from my account however they did not oblige. I initially contacted XXXX XXXX and they advised they would flag it as fraud and investigate. I also contacted Transunion but they advised I need an inquiry deletion letter first from XXXX XXXX. XXXX is the only reporting company that showed empathy / professionalism with the convenience of removing this fraudulent inquiry. I can provide a Police report of this fraud as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Continental Finance Company, LLC
State: TX

Complaint narrative:
For the past 6 months numerous letters sent to XXXXXXXX XXXX XXXX XXXXXXXX related to no permissible purpose to pull my file on XXXX XXXX and XXXX XXXX response from the company to remove the account and no account is in their file.Up to this date they are still in my XXXX  report file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I initiated a credit card dispute with Barclays regarding a payment of {$2900.00} made to XXXX XXXX XXXX XXXX. The merchant explicitly agreed via email to refund the full amount ( minus a {$200.00} processing fee ) if they failed to provide their promised serviceplacement on a boardwithin a 6-month period. Despite clear, documented evidence provided to Barclays showing the merchant 's commitment and subsequent failure to deliver the promised service, Barclays has inadequately handled the dispute and has not honored my chargeback request. Barclays failure to act has left me financially liable for a service that was clearly unfulfilled and a promised refund that was never received. Resolution Sought : I request CFPB 's assistance in compelling Barclays to thoroughly investigate my dispute based on documented evidence, and appropriately refund the disputed amount

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 2025-07-20 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, I made a series of digital purchases totaling approximately {$8000.00} for the mobile game XXXX XXXX XXXX XXXX, published by XXXX These purchases were made using multiple payment processors ( including XXXX, XXXX, XXXX, XXXX ) connected to my XXXX XXXXXXXX XXXX and Synchrony accounts. 

XXXX promoted a collaboration with the MoXXXX XXXX franchise, advertising exclusive champions through time-limited in-game events. However, they never disclosed that these champions would be permanently unobtainable. I relied on their history of bringing back previous champions ( such as " XXXX '' ) and their vague language in support tickets, which repeatedly implied these champions could return. 

Additionally, I purchased high-tier champions like XXXX who were later weakened ( nerfed ) post-purchase without compensation. This diminished the functional value of the virtual goods I paid for, similar to paying full price for a product that is downgraded after sale. 

I contacted XXXX repeatedly via email and in-game support to request clarification and/or refunds. They gave unclear answers for over a year before recently confirming the XXXX XXXX XXXX  would never return and that no refunds would be offered. 

XXXX 's refund policy claims they may issue discretionary reimbursements for virtual goods, but in practice, they refused to acknowledge the misleading marketing or post-purchase devaluation. I submitted physical chargeback dispute packets to both XXXX and Synchrony, including a full list of transactions, screenshots of marketing materials, email correspondence between me and XXXX, and a breakdown of payments by method ( credit, debit, XXXX XXXX, XXXX, etc. ). 

To date, I have not received any acknowledgment or updates from XXXX and limited automated responses from Synchrony ( a letter letting me know they have received my packet ). No provisional credit has been issued. I feel the banks are not fulfilling their obligation to investigate valid disputes involving deceptive or misleading merchant conduct. 

I am requesting a full review of my case and the associated documentation already mailed to both banks. If the banks fail to assist, I am prepared to escalate this matter further.

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 monetary relief
Consumer complaint received 2025-07-20 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: Nelnet, Inc.
State: IL

Complaint narrative:
There are multiple student loans on my credit report, about {$8000.00}, which were not taken out by me. I notified the loan servicer to file a dispute and was instructed to file a police report, fill out the required documentation and return identifying documents to support my claim. I complied with all of the requests and they have not helped me either the situation. I reported this to them over XXXX months ago. The loans are reporting negatively on my credit, dropping my scores by more than XXXX points. I need assistance with getting this identity theft problem resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: GA

Complaint narrative:
I am formally disputing multiple inaccurate and damaging items appearing on my credit reports across Experian, Equifax, and TransUnion. 

Despite having accounts in active deferment status with the Department of EducationXXXX XXXX these loans are being reported with late payments from XX/XX/XXXX through XX/XX/XXXX, which is false, misleading, and a direct violation of FCRA XXXX681s-2 ( a ). I was not required to make payments during this deferment period, yet the bureaus continue to reflect 90-day and 120-day delinquencies. 

Additionally, there is a collection account from XXXX XXXX XXXX for a T-Mobile balance that I never received a validation notice for. This account is being reported to Equifax and TransUnion as unpaid with a balance of {$1100.00}, but I have not received documentation or verification as required under FDCPA 809. 

Experian is also reporting a charged-off account from XXXX XXXX XXXX listed as delinquent and charged-off with a balance of {$83.00}, but the timeline and reporting history show inconsistencies, including re-aging and inaccurate payment history. 

On top of that, multiple hard inquiries were reported on XX/XX/XXXX, from several auto finance companies ( including XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX ). These inquiries were initiated by an auto dealer without my explicit written consent and violate FCRA 1681b ( f ). I did not authorize this number of credit pulls nor was I informed they would access multiple lenders at once. 

These items have not only caused financial damage but also hindered my ability to qualify for housing and funding. I demand full deletion of the listed accounts and inquiries under my rights per the FCRA and FDCPA. 

I am attaching my credit reports and supporting documentation with this complaint for full review.

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 2025-07-20 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: GA

Complaint narrative:
I am formally disputing multiple inaccurate and damaging items appearing on my credit reports across Experian, Equifax, and TransUnion. 

Despite having accounts in active deferment status with the Department of EducationXXXX XXXX these loans are being reported with late payments from XX/XX/XXXX through XX/XX/XXXX, which is false, misleading, and a direct violation of FCRA XXXX681s-2 ( a ). I was not required to make payments during this deferment period, yet the bureaus continue to reflect 90-day and 120-day delinquencies. 

Additionally, there is a collection account from XXXX XXXX XXXX for a T-Mobile balance that I never received a validation notice for. This account is being reported to Equifax and TransUnion as unpaid with a balance of {$1100.00}, but I have not received documentation or verification as required under FDCPA 809. 

Experian is also reporting a charged-off account from XXXX XXXX XXXX listed as delinquent and charged-off with a balance of {$83.00}, but the timeline and reporting history show inconsistencies, including re-aging and inaccurate payment history. 

On top of that, multiple hard inquiries were reported on XX/XX/XXXX, from several auto finance companies ( including XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX ). These inquiries were initiated by an auto dealer without my explicit written consent and violate FCRA 1681b ( f ). I did not authorize this number of credit pulls nor was I informed they would access multiple lenders at once. 

These items have not only caused financial damage but also hindered my ability to qualify for housing and funding. I demand full deletion of the listed accounts and inquiries under my rights per the FCRA and FDCPA. 

I am attaching my credit reports and supporting documentation with this complaint for full review.

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 2025-07-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX XXXX  inaction violates federal law and my rights as a consumer.

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