vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint regarding XXXX XXXX due to their failure to properly investigate and resolve an ongoing dispute about inaccurate account reporting and balance calculations. 

Since early 2025, I have repeatedly contacted XXXX regarding errors in their reporting and discrepancies within their own loan app and payment system. My account is being reported to Experian as 90 days past due as of XX/XX/year>, with an inflated past-due balance of {$1000.00}. This is inaccurate and misleading. 

XXXX has failed to provide a complete payment ledger or accurate breakdown for the last eight months despite multiple written requests. I have made consistent payments, including in XXXX and XX/XX/year>, yet those payments are not properly reflected in their reporting. 

I formally initiated arbitration with the XXXX XXXX XXXX ( XXXX XXXX. XXXX ). Both XXXX and XXXX confirmed receipt in XX/XX/year>, but XXXX continues to furnish negative information to Experian during an active dispute, which violates the Fair Credit Reporting Act ( FCRA ) and their own loan terms. 

Their investigation responses have been generic and dismissive, stating only that the account was verified, without addressing my supporting documentation, payment receipts, or arbitration filing. This lack of a meaningful investigation has caused ongoing harm to my credit, financial stability, and peace of mind.

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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint regarding XXXX XXXX due to their failure to properly investigate and resolve an ongoing dispute about inaccurate account reporting and balance calculations. 

Since early 2025, I have repeatedly contacted XXXX regarding errors in their reporting and discrepancies within their own loan app and payment system. My account is being reported to Experian as 90 days past due as of XX/XX/year>, with an inflated past-due balance of {$1000.00}. This is inaccurate and misleading. 

XXXX has failed to provide a complete payment ledger or accurate breakdown for the last XXXX months despite multiple written requests. I have made consistent payments, including in XXXX and XX/XX/year>, yet those payments are not properly reflected in their reporting. 

I formally initiated arbitration with the XXXX XXXX XXXX ( XXXX XXXX. XXXX ). Both XXXX and XXXX confirmed receipt in XX/XX/year>, but XXXX continues to furnish negative information to XXXX  during an active dispute, which violates the Fair Credit Reporting Act ( FCRA ) and their own loan terms. 

Their investigation responses have been generic and dismissive, stating only that the account was verified, without addressing my supporting documentation, payment receipts, or arbitration filing. This lack of a meaningful investigation has caused ongoing harm to my credit, financial stability, and peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: MS

Complaint narrative:
NCB is falsely reporting on my credit. I have never had any accounts with them. Per my research NCB is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX 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 explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/year> I paid {$5000.00} and on XX/XX/year> I paid {$11000.00} paying my credit card balance off in full. 
As I am facing an extreme hardship right now I am trying to reduce my debts. 
However, in review of my new statement I was charged {$320.00} with a min amount due of {$310.00} which is nearly the full amount of the total balance due which makes no since ( reminder the balance due is only interest ). 
As I have been a loyal customer with this company for over 13 years and have been good paying, I asked as a courtesy to waive the interest fee billed as the balance was paid in full. 
The supervisor XXXX located in Arizona refused to escalate the call to a manager. This is poor customer service! Especially to a loyal customer. This supervisor has no value of customers. Nor does he care to retain such valuable customer.

I would like to request a Manager or Director to review and give me a call please. I have been with this company for over a decade and have paid the balance off in full and have been a good paying customer.

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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance 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 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
Between XX/XX/XXXX and XX/XX/year>, I made multiple purchases totaling around {$2000.00} through XXXX XXXX  using my Navy Federal debit card to buy in-game ingots. 

On XX/XX/XXXX, a confirmed system bug in the game caused the purchased goods to be automatically consumed. The game developer acknowledged the issue in writing but refused to restore the lost items. XXXX XXXX also refused assistance, citing a no refunds policy. 

I filed disputes with Navy Federal Credit Union, submitting documentation showing that the product was defective and did not perform as described. Navy Federal denied the disputes, stating that the service was delivered, even though the digital goods were rendered unusable due to the bug. 

I have since submitted a new secure message on XX/XX/year> requesting a formal re-investigation and providing additional evidence. I am filing this CFPB complaint to ensure that my new documentation is properly reviewed and that the disputes are resubmitted to Visa under Reason Code 13.3 Defective or Not-as-Described Digital Goods. 

XXXX evidence is insufficient and Navy Federals initial investigation did not fully consider the defect documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: TX

Complaint narrative:
I am filing this complaint because Discover Bank is reporting inaccurate and misleading information to the credit bureaus regarding my former Discover credit-card account. 

My recent credit report from TransUnion ( dated XX/XX/year> ) lists the following : Account charged off. {$2100.00} written off. {$2100.00} past due as of XX/XX/year>. 

This description is contradictory. Once an account is charged off or written off, the creditor has already recognized the loss, and the account should not continue to show a past-due balance. XXXX both a charge-off and a simultaneous past-due status is factually inaccurate and violates the Fair Credit Reporting Act ( FCRA ) 607 ( b ) requirement that furnishers maintain maximum possible accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: LEXISNEXIS
State: FL

Complaint narrative:
I have not been able to see my consumer or rental reports from this company. I request my complete file under FCRA 609 ( a ). Please see attachments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so XXXX constitute a violation of my rights under federal 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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: CA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : 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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions XXXX regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions XXXX continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have encountered difficulties accessing my Equifax account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

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 2025-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CO

Complaint narrative:
On XX/XX/year>, I filed a dispute with Chime for XXXX unauthorized debit card transactions totaling {$130.00}. All XXXX transactions occurred between XX/XX/XXXX and XXXX, 2025, within a short time frame, and clearly reflected suspicious activity. These included charges at liquor stores, fast food restaurants, retail, and vending-type merchantsall inconsistent with my usual spending. 

Chime denied the dispute and reversed the entire temporary crediteven though, just XXXX week earlier, they had approved a separate dispute involving XXXX unauthorized transactions ( also on XX/XX/year> ) at XXXX XXXX XXXX, totaling {$92.00}. That earlier dispute was reimbursed without issue. 

So they acknowledged fraud for the same exact date range, merchant-style, and patternbut then completely denied this set of transactions. There is no logical reason why XXXX group of transactions was approved and reimbursed, while this other groupjust as suspicious, just as unauthorizedwas denied. 

The denied transactions included : Home Liquors {$17.00} XXXX {$22.00} XXXX XXXX {$3.00} XXXX {$75.00} XXXX XXXX {$15.00} The only difference is that these merchants are larger and more well-known than Silco Fuels Barn. Chime has not provided any documents or specific rationale explaining why these were treated differently. Ive asked for supporting documentation and received nothing. I am asking for a fair review and full reimbursement of the remaining {$130.00} in unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WI

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