vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: SC

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: SC

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XX/XX/year> Deposited personal check received from friend in amount of {$20000.00} at the chase brunch. 
XXXX XXXX XXXX, XXXX XXXX, IL XXXX Check was from XXXX XXXX  Transaction was on hold until XXXX XX/XX/year> {$20000.00} was debited from account of my friend who wrote a check Deposit was posted on my chase account Presence balance increased by {$20000.00}, however, it was not available for me to access Chase continued put it on hold Called customer service and one of the specialist submitted request for approval to release the fund, it was denied Called Chase again, specialist contacted XXXX to verify the check but they did not provide the verification over the phone, I was told that she would send email to XXXX XX/XX/year> Funds still on hold, not accessible Called Chase again, specialist told me he will submit a request for approval to release the fund, should be available in one hour but it wasn't. 
XX/XX/year> Funds still on hold, not accessible Called Chase again, specialist I spoke asked the contact info of my friend who wrote a check. They called him, verified the info. He submitted the request to approval early release since all info was verified including fuds. Told me should be released in 40 mins.

2 hours later, not released. Called again. Specialist told me the request submitted earlier today was denied. Approval department does not provide specific reason. It could be, Chase has to confirm that funds have been sent by other bank ( XXXX this time ) wait for return check period is over - even funds were debited from account owner 's bank account who wrote check or something else. I was told there is nothing they can do. And the transaction will be on hold until XXXX. 
My friend who wrote check was very upset that fund hasn't been released. He called chase but was told there is nothing to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello, i have a late payment marked on my credit karma report for XX/XX/year> on my XXXX XXXX auto loan, but that is inaccurate because on my equifax report it shows it is not late and i have proof of that, i demand it be fixed on all 3 credit bureaus it is hurting my score. thank you

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Finance System of Green Bay, Inc.
State: WI

Complaint narrative:
On XX/XX/XXXX, my son was hit by a car. This matter went to litigation. I took him to the nonprofit hospital XXXX XXXX. Our services resulted in a bill with XXXX XXXX. My law firm and I contacted XXXX shortly after I received the bill. 

In XX/XX/XXXX, XXXX told my law firm that the debt would be put on hold and the debt would not go to collections. 
We do not have insurance and XXXX agreed, with written proof, to a self pay discount of 35 % making the total for the bill {$770.00}. XXXX. ( XXXX rate is about {$120.00} ). 
Every contact my law firm and I had with XXXX confirmed that this would be the price for the services. 

In XX/XX/XXXX, I contacted XXXX and was told that the debt was sent to the debt collectors, Finance System of Green Bay a few months after XXXX said that the account would be put on hold. My law firm and I never received a verification letter or any other written correspondence from FS. I never had a chance to examine the price of the debt or dispute it. These are federal violations of FDCPA 809A and 1006.34A. 

In XX/XX/XXXX, I contacted XXXX and was told they no longer had any information about the debt and that it belongs to FS. I contacted FS and asked for an itemized statement who said I would get one but I never did. 

In XXXX, my law firm sent Finance System of Green Bay a check for {$770.00}. 

On XXXX XX/XX/XXXX, FS returned the check saying that XXXX XXXX would no longer honor the self pay discount. This is inaccurate as FS owns the debt and XXXX has not been involved for months. This was confirmed on multiple occasions by XXXX. These are federal violations of FDCPA 808 ( 1 ), 807 ( 10 ), 807 ( 2 ) a and 812A as well as WI Stat 427.104M. 

On XX/XX/XXXX, I contacted XXXX and they confirmed ( again ) that FS were the debt owners. 
Also, my family qualifies for and were granted financial assistance that should cover 100 % of our services received from XXXX XXXX partners. 

These are federally illegal practices. FS has not verified the debt with me. They have not provided me with proof of the debt, itemized statement or any other written correspondence. FS lied to my law firm in an attempt to collect more than what was agreed upon between myself and the original creditor, XXXX. 
These are deceptive behaviors and is a false representation of the debt.

I dispute this debt and request that it be canceled permanently with the owner, Finance System of Green Bay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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 previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX days. If they fail to do so, these items must be removed from my report. 

As more than XXXX days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: LA

Complaint narrative:
I am infuriated by the flagrant violation of my consumer rights through the dissemination of grossly inaccurate information. I demand immediate rectification and a detailed account of their failure to uphold accuracy and compliance. The audacity of providing an erroneous credit report, despite the clear expectation of adherence to the FCRA and data field formatting standards, leaves me seething with anger. I challenge them to promptly provide a thoroughly verified, complete, and accurate document for each claim. Removing any false accounts from my credit report is a non-negotiable demand to prevent severe financial repercussions. 

JEFFCAPSYS - XXXX JEFFCAPSYS - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-29 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: GA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: GA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 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 2025-10-29 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: MOHELA
State: CA

Complaint narrative:
I am disputing the reporting of a Mohela education loan accounts that are not mine. Despite multiple disputes and requests, Mohela and the credit bureaus have failed to provide documentation proving its validity or ownership. 

Under 15 USC 1681i ( a ) ( 1 ) and 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act, agencies must conduct a reasonable reinvestigation and supply all documents relied upon to verify accuracy. XXXX failure to produce a signed agreement, promissory note, or chain of assignment violates these sections. 

Continued reporting of this unverified account also violates 15 USC 1681e ( b ), requiring maximum possible accuracy, and 15 USC 1692e ( 8 ), which prohibits furnishing false credit information after notice of dispute.

My personal data was exposed in the XXXX data breach, increasing the likelihood of fraud. Continued reporting without proper proof shows willful noncompliance under 15 USC 1681n. 

These violations have caused hardship and credit denials. I request that the CFPB require Mohela, XXXX XXXX XXXX XXXX  to provide full validation, including signed loan documents, or immediately delete this account under 15 USC 1681i ( a ) ( 5 ) ( A ). 
ACCOUNTS LISTED BELOW : XXXX ) MOHELA Amount : {$2900.00} XXXX XXXX ) MOHELA Amount : {$5000.00} XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
THIS ACCOUNT HAS NEVER BEEN DELINQUENT OR OVERDUE.

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 2025-10-29 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 AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE XXXX XXXX COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Chime Financial Inc
State: TX

Complaint narrative:
I am a graduate student on an F-1 visa at the XXXX XXXX XXXX XXXX XXXXXXXX. On XX/XX/year>, I contacted Chime customer support via live chat to ask for specific information regarding my account. The agent, identified as Hope, provided me with false and misleading information.

I have clear, timestamped screenshots proving the misrepresentation. When I presented evidence and challenged the agent, they dismissed my statement and abruptly ended the conversation, which was unprofessional and caused me emotional distress and trauma.

As an international student, I rely heavily on my bank for accurate financial guidance. Providing false information not only violates consumer trust but also puts me at risk.

I am requesting that Chime issue compensation for the harm caused by this incident, and that steps be taken to ensure customers are not misled by false statements from Chime agents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I got a care credit card about one year ago with a {$2500.00} limit. I had to use it to purchase medicine, then I had to get a root canal, and it was nearly maxed out. I continued making payments. Doing my best to make extra payments here and there. I finally got my balance down so there was about {$300.00} in available credit and they slashed my limit, making it basically maxed out again. I was sent a letter after this was done stating it was due to credit worthiness, though to my knowledge, my credit hadnt changed from the time the account was opened. I was irritated, but blew it off, I continued making my payments and paying extra when I could so that Id have this card available for emergencies, I finally had it again so there was around {$300.00} available, and my dog broke his leg, when I went to check my availability they again slashed my limit so that I only had {$60.00} available. Again I was not notified until after the fact, and told it was due to my credit worthiness, but again my credit has not changed since being approved for the card in the first place. I am trapped with this maxed out card because every time I get ahead the slash my limit with out telling me until it has already been done. Good thing I brought cash to the vet.

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 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
While at XXXX, I went to purchase a simple cord for my car for around {$17.00} However, when I reached the counter to complete my transaction, using XXXX XXXX I was unexpectedly charged for an order under a commercial account for {$280.00} Realizing the discrepancy, I promptly returned to the store to clarify the situation. I attempted to explain the mix-up to the staff, but despite my efforts, the matter remained unresolved. Unfortunately, the misunderstanding was not addressed, and I left the store without receiving the correct charge for my purchase. I don't have commercial account nor am i associated with the commercial account printed on the receipt! I called the number on the receipt after the dispute was denied recently and the representative was able to see the mistake ( me not being the owner of the commercial account ) a ticket has been made for the funds to be returned to my account.This charge is incorrect because I was mistakenly billed for another customer 's order. I did not authorize this transaction, nor did I receive the items associated with it. After realizing the error, I contacted the store and was informed that the charge was, in fact, linked to a different customer 's purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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