vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian shows that I have an open XXXX account, when it should be closed. I was removed as an authorized user from this account in XXXX of XXXX. I had raised three disputes with Experian ( XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX ), and have called them multiple times to try and get this account closed on my credit report. 

Additionally, I followed up with XXXX XXXX after calling Experian and informed them of the situation. XXXX said they would send information over to all three credit bureaus that I was removed as an authorized user and my account should be closed. 

XXXX  and XXXX  both have this account marked as closed, but for some reason, Experian still has it opened. I am filing a complaint because I have already contacted all parties involved and nothing seems to be done.

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 2025-09-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: TX

Complaint narrative:
In XX/XX/year>, I requested a new debit card to update my card number and stop unwanted recurring charges. As a direct result, my XXXX privilege was reduced to XXXX  for XXXXXXXX XXXX XXXX despite my previous limit of XXXX being active the paycheck before. When I called in, a representative told me this was simply a consequence of requesting a new debit card, apologized, and assured me that on my next paycheck, the benefit would be restored in full. 

While XXXX was restored the following cycle, my limit was cut from XXXX to XXXX without explanation. Both a representative and a manager informed me during recorded calls that my account history was spotless and that I had done nothing wrong. However, they stated that they lacked the tools to escalate, a ticketing procedure, and a means to resolve this issue. The manager admitted directly that I was being stripped of a privilege I had earned for no specific reason. 

This is not how a responsible customer should be treated. I have deposited over XXXX in a year, used every Chime program responsibly, and never misused XXXX. I have no record of disputes or negative behavior with Chime. I used XXXX exclusively to pay my car loan early to avoid interest, never for irresponsible spending. Being punished for requesting a new debit card to protect my financial interests is both unfair and unethical. 

As a corporate sales representative recognized nationally for customer service excellence, I understand what it means to build loyalty. Chimes own staff admitted to me that they were powerless to correct this issue, leaving me with no path for escalation. I am asking regulators to review this matter, consider the recorded calls, and hold Chime accountable for penalizing good behavior and refusing customers any legitimate means of resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : account number XXXX Portfolio Recovery Associates CLOSED ACCOUNT BALANCE {$240.00} XXXX  I am writing to dispute the accuracy of the information on my credit report regarding the above closed account. The account should state closed and paid in full due to XXXX XXXX selling my information to a debt buyer. 

I am requesting that you investigate this matter and remove the inaccurate information from my credit file as soon as possible. 

I am also requesting a 15 U S code 1692c in regards to this matter. A copy of this letter is been forwarded to the CFPB.

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

Account Details : 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 non-monetary relief
Consumer complaint received 2025-09-12 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: MI

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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 writing to dispute inaccurate and fraudulent information that is appearing on my credit report. I am a victim of a data breach and identity theft, and as a result, accounts and/or information that do not belong to me have been reported under my name. These items are incorrect, incomplete, and are causing harm to my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), Section 605B [ 15 U.S.C. 1681c-2 ], I am formally requesting that the consumer reporting agency block the reporting of any information on my credit file that results from identity theft. Section 605B provides victims of identity theft the right to have fraudulent information resulting from such theft permanently removed from their credit reports once appropriate documentation 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 2025-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credit Corp Solutions Inc.
State: IN

Complaint narrative:
I received a call at work this morning, XX/XX/XXXX. Its hard to say without looking at my work phone call log, but I would say it was around XXXX or XXXX this morning. I answered the phone and it was a representative for credit corp. I tried to get off of the call because Im not really supposed to be taking personal calls on the clock, not to mention I my boss in my office with me at the time. The representative started arguing with me and did not want me to take it off the phone. She said something to the effect of well, youve gone this long without giving us a call back, what makes me think that youre going to give me a call back now. I ended up having to hang up the phone on her because again, I was at work, and its extremely uncomfortable to have your boss standing there as youre trying to handle such a call. I thought that was against my rights as part of the fair debt collection practices act, and and looking through information tonight that looks like that is the case. I also asked for more documentation, as a little bit of documentation I have received from them doesnt give a whole lot of information. feel like its just the first page of a bill. She told me no, I can not receive documentation, as I have already received that I think she said XXXX times? I ended up setting up a payment plan tonight, so that way I dont have to worry about them harassing me at work anymore, which is sad. I understand they have a job to do, but using illegal tactics is not the way to go about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: PA

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

Account Details : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
Credit acceptance opened a fraudulent car loan in my name without my consent im a victim of several data breach and identity theft im unable to get a car because of a fraudulent car loan and car repossion on my credit report from XXXX  with a fraudulent debt on my credit report of over 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 2025-09-12 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: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-09-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: CA

Complaint narrative:
In XX/XX/year>, Sallie Mae began calling me several times a week regarding my private student loan. I currently owe around {$23000.00}. I have not been able to make payments because I have no job or income. I explained my financial hardship to Sallie Mae, but instead of offering realistic relief, they lowered my credit score and continue to call me. 

They have also contacted my cosigner ( my brother ), who recently lost his job and is also unable to pay. Despite explaining our situation, Sallie Mae has not provided any hardship options. The constant calls and pressure are causing severe stress and sleeplessness. 

I am also going through a divorce after leaving a XXXX  XXXX marriage, which has been extremely difficult on top of everything else. I live with XXXX and XXXX, and this situation has made my mental health worse. I can not sleep at night, and I often have XXXX XXXX because of the harassment and pressure. 

I have tried to reason with Sallie Mae, but they insist on payments I simply can not afford right now. I am requesting that they stop harassing me and my cosigner, stop further damaging my credit, and help me with forbearance or deferment options while I work to get back on my feet. 

I want to be clear that I am not trying to avoid repayment. I fully intend to pay my loan as soon as I am able. I am actively looking for work with the help of my recruiter, and I just need some time and compassion until I can get stable again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: IL

Complaint narrative:
am writing to file a follow-up complaint regarding a collection account reported by XXXX XXXX and handled by Experian on my credit report.

On review of my most recent credit file, I noticed that Experian initially deleted the collection account reported by XXXX XXXX. However, they have now reinserted this account without notifying me within five business days, which is a violation of the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ). 

Additionally, XXXX XXXX has never validated the debt, despite receiving a certified debt validation request from me on XX/XX/year>. Under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), debt collectors are not allowed to continue collection activities including credit reporting without first validating the debt upon request. 

Violations : Experian has violated the following federal laws : FCRA 611 ( a ) ( 5 ) ( B ) : Reinsertion of previously deleted information requires notification to the consumer within 5 business days, along with certification from the furnisher that the information is accurate.
FCRA 611 ( a ) ( 1 ) ( A ) : Failure to maintain reasonable procedures to assure maximum possible accuracy.

FCRA 623 ( a ) ( 1 ) ( A ) : Reporting information without ensuring its accuracy and without proper verification.

FCRA 623 ( a ) ( 3 ) : Failing to mark the account as disputed. 

XXXX XXXX is in violation of : FDCPA 809 ( b ) : Continuing to report a debt without providing validation after a certified request.

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 2025-09-12 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX  - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXXXXXX XXXX XXXXXXXX - Incorrect Personal, has violated my rights. 

I looked at my credit bureau credit report on XXXX XXXX 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 generally, 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.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall 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. I kindly request that you block this information from my credit report within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Its very upsetting that unauthorized inquiries continue to appear on my credit report today, and I dont know the reason. I already tried refreshing my browser, yet the inquiries were not deleted. I need this to be handled immediately by reviewing the documents Ive provided so I can finally have 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 non-monetary relief
Consumer complaint received 2025-09-12 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT, ON-TIME PAYMENT HISTORY. THIS NEGATIVE ENTRY IS A CLEAR MISTAKE THAT UNFAIRLY DAMAGES MY CREDIT PROFILE. THE ACCOUNT IN QUESTION WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666B, THIS CONSTITUTES A BILLING ERROR. I HAVE ATTACHED AN INVOICE STATING THIS AS A FEDERALLY PROTECTED CONSUMER RIGHT VIOLATION UNDER 15 U.S.C. 1666B. PLEASE BE ADVISED THAT I WILL SEEK MONETARY DAMAGES IN SMALL CLAIMS COURT IN MY CITY/STATE IF THIS ERROR IS NOT CORRECTED. LATE FEES WILL ACCRUE AT {$1000.00} PER DAY FOR EACH DAY PAYMENT IS LATE. I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS MATTER AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-09-12 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT, ON-TIME PAYMENT HISTORY. THIS NEGATIVE ENTRY IS A CLEAR MISTAKE THAT UNFAIRLY DAMAGES MY CREDIT PROFILE. THE ACCOUNT IN QUESTION WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666B, THIS CONSTITUTES A BILLING ERROR. I HAVE ATTACHED AN INVOICE STATING THIS AS A FEDERALLY PROTECTED CONSUMER RIGHT VIOLATION UNDER 15 U.S.C. 1666B. PLEASE BE ADVISED THAT I WILL SEEK MONETARY DAMAGES IN SMALL CLAIMS COURT IN MY CITY/STATE IF THIS ERROR IS NOT CORRECTED. LATE FEES WILL ACCRUE AT {$1000.00} PER DAY FOR EACH DAY PAYMENT IS LATE. I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS MATTER AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The debt that is on my credit was paid in XX/XX/year>. When I spoke with collections originally I requested the charge account be closed because someone else was charging things to the account without my knowledge thus creating the debt that was paid. I thought kohls closed the account but apparently they left the account open generating monthly billing fees. The money they say I owe isnt for an item or purchase. This is monthly billing statement fees which wouldnt have occurred if they would have done their job and closed the account like they said they would following my payment with interest. It is discraseful that an account can damage someones credit and be sold and bought by other collectors on the consumers back over and over. Interesting fees and statement fees on a {$0.00} item is {$0.00}!!! Thats what XXXX in collections for. {$000.00} explain that

Company response to consumer: Closed with explanation