vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-03 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: EQUIFAX, INC.
State: FL

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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. 

Delete the accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: NJ

Complaint narrative:
I am filing this complaint to dispute inaccurate and unfair reporting of a repossession and late payments that appear on my credit report. I was never properly notified in accordance with the Fair Debt Collection Practices Act ( FDCPA ), and the Fair Credit Reporting Act ( FCRA ), which require that all information reported to the credit bureaus be accurate, verifiable, and complete. This account contains false or outdated information and has not been validated with the proper documentation. Under the FCRA ( 15 U.S.C. 1681 ), the credit reporting agencies and the furnisher of information are required to conduct a reasonable investigation once a dispute is filed. However, I believe that no such investigation was completed, or it was done inadequately. I also believe the information is being reported without the original signed agreement or proper documentation to support the repossession and delinquency. In recent years, credit bureaus and data furnishers have been sued and penalized for continuing to report unverifiable, inaccurate, and incomplete information. I am requesting that the repossession and associated late payments be removed immediately from all three credit reports ( XXXX XXXX XXXX XXXX ) as they are negatively impacting my financial health and future opportunities. I demand a thorough investigation and full deletion of this account and all related negative remarks. If the furnishing party can not provide full documentation that supports this reporting, the item must be permanently removed under FCRA law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: Westlake Services, LLC
State: AL

Complaint narrative:
I leased a vehicle from XXXX XXXX XXXX XXXX XXXX XXXX through Westlake Portfolio back in XX/XX/XXXX. By XX/XX/XXXX the vehicle shut down. I had it towed from place to place trying to find someone to diagnose it. It was diagnosed that the tensioner on the timing chain had broken and cause the chain to jump and killed the engine. I had a warranty on the vehicle but they used word play to say they couldnt fix it because it was so called the tensioner and not the chain. The tensioner is a part of the chain system. The warranty stated the timing chain was covered. I was quoted a new engine for {$7500.00}. The financing company was still looking for the car note so I gave them the address for the mechanic shop where the car was located and was hit with {$17000.00} on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: MN

Complaint narrative:
On XX/XX/XXXX multiple fraudulent transactions began appearing on my Chime account as notifications on my phone. I immediately used Chime 's " Freeze Virtual Card '' feature as well as " Freeze Physical Card '' feature. However, within less than 2 hours time, over 200 additional unauthorized fraudulent transactions showing as " XXXX '' came through the checking account and lowered the available balance by {$700.00}. I immediately contacted Chime to report the fraud, however was told over the phone that Chime had blocked all XXXX transactions and that I had to wait until the transactions posted to the account before I could file any dispute. On Monday XX/XX/XXXX, all of the previously pending fraudulent transactions had posted to the account. I called Chime to inquire as to why the charges were allowed to post to my account as it was very obvious they were all fraudulent. I received no response, however proceeded to file the claim. I was then told I would be receiving a provisional credit within 10 business days, yet I strongly disagreed that due to Chime 's clear lack of security as it relates to this card, over {$700.00} was illegally stolen from my account. I recently called again today on XX/XX/XXXX to inquire about the dispute status and was told that I must wait until XX/XX/XXXX for the dispute to be resolved in order to receive the large amount of funds stolen from me. I do not agree whatsoever with Chime 's policy to punish it's account holders in response to what was Chime 's faulty security that allowed the fraud to occur, as well as Chimes refusal to stop the fraud from posting to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: FL

Complaint narrative:
Describe XXXX XXXX I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demary these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2025-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I was given a check in the amount of {$6500.00}, from the XXXX XXXX XXXX XXXX and XXXX, dated XX/XX/2025, for reimbursement of tuition that I did not have to pay. The check was from the schools bank, Webster Bank in XXXX XXXX. I deposited the check into my account at XXXX XXXX on XX/XX/2025 at XXXX. On XX/XX/2025 I was notified by my bank, XXXX XXXX, that the check was returned from Webster bank citing insufficient funds. I contacted the school who insisted that the funds had been paid from their Webster bank account on XX/XX/2025. I advised them that it had not cleared and provided them with the notice of insufficient funds that my bank had received. When asked to have the issue investigated to determine where the money went, they declined to do so, even after providing them with the notice from my bank. I have no idea where the money was sent, or if it was even sent anywhere, in light of the insufficient funds notice received from Webster Bank when the check was presented for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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:
I am requesting the description of reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by consumer, this must be provided within 15 days in order to be in compliance with FCRA guideline

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 2025-04-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FC HoldCo LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute and Demand for Immediate Removal of Inaccurate Accounts under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally dispute the inaccurate and unverifiable accounts currently being reported on my credit file with XXXX. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information reported is 100 % accurate, verifiable, and in compliance with federal law. Failure to do so constitutes a violation of my consumer rights. 

The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX to 15 U.S.C. 1681i ( a ), I demand an immediate investigation into these accounts. If these accounts can not be fully verified by original source documentation, they must be permanently removed from my credit file. As per 15 U.S.C. 1681e ( b ), you are legally obligated to maintain maximum possible accuracy. The continued reporting of inaccurate or unverifiable information is a clear violation of this statute.

Additionally, I have suffered financial harm due to your failure to uphold FCRA compliance. I have been denied loans, credit cards, and subjected to increased interest rates, directly affecting my financial well-being. Under 15 U.S.C. 1681n and 15 U.S.C. 1681o, I reserve the right to seek legal damages for willful and negligent noncompliance if these errors are not rectified immediately.

I am providing a copy of my government-issued ID, proof of residence, and a copy of my credit report highlighting the disputed accounts. You have five ( 5 ) days from receipt of this letter to permanently remove these inaccurate accounts, or I will be left with no choice but to escalate this matter legally. 

Please send me written confirmation of the deletion of these accounts upon completion of your investigation. I expect full compliance and a swift 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 explanation
Consumer complaint received 2025-04-03 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: IL

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports I have noticed some accounts that I am not familiar with. I have requested validation of debt from the credit reporting agencies. However, the information has not been provided. Since my information has been exposed I have submitted an FTC complaint reporting the accounts I am not familiar with. 

Please see attached, my ID, FTC complaint, copy of XXXX report showing my information being exposed in a national data breach, along with a validation of debt letter.

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 2025-04-03 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: OK

Complaint narrative:
I am writing to dispute inaccurate information on my Equifax credit report. Under the Fair Credit Reporting Act ( FCRA ), I can dispute incomplete or inaccurate information. 

My Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Information Being Disputed : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Type of Account : Auto Loan Specific Items Disputed as compared to XXXX Credit Report XXXX. Inaccurate Balance Reporting : The account shows a current balance of {$10000.00} as of XX/XX/XXXX, but also indicates the account was charged off for {$19000.00} with {$11000.00} past due in XX/XX/XXXX. These conflicting balances can not both be accurate. 
XXXX. Continued Negative Reporting After Charge-off : The payment history grid shows continued late payment codes for years after the XX/XX/XXXX charge-off date. Once an account is charged off, no new delinquencies should be reported. 
XXXX. Inconsistent Status Information : The report states the account was charged off in XX/XX/XXXX, yet shows " Status updated : XX/XX/XXXX '' which is inconsistent and potentially misleading. 
XXXX. Possible Re-aging Concerns : The account appears to have been improperly re-aged, with reporting of new delinquencies after the charge-off date. 

Action Requested : Under the FCRA, I request that you investigate these discrepancies and verify the accuracy of this information with XXXX XXXX XXXX. If the information can not be verified as accurate, I request that it be corrected or removed from my credit report. 
I have attached copies of the following documents to support my dispute : Copy of the credit report dated XX/XX/XXXX, highlighting the disputed items Please investigate this matter and provide me with the results of your investigation as soon as possible. 

I understand that under the FCRA, you have 30 days to investigate this dispute. 
Thank you for your prompt attention to this matter. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: PA

Complaint narrative:
When I checked my credit report today, I was surprised to find inaccurate accounts listed, and I have no clue why. I regularly monitor my report, but this time, I came across inconsistencies that hadnt been there before. Hoping it was just a technical error, I refreshed my browser, but the incorrect accounts remained. Because of this, I ask that my submitted documents be carefully reviewed to ensure I wont have to worry about this again.

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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX  XXXX XX/XX/year> XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$930.00} XXXX XX/XX/year> XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXXXXXX XX/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 explanation
Consumer complaint received 2025-04-03 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: FL

Complaint narrative:
Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of data trafficking/Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-04-03 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my account XXXX that are inaccurate and not properly verified. I have disputed this directly with the credit bureaus, but the late payments remain without proper validation or documentation. Under 15 U.S. code 1681s -2A creditors must report accurate information under 15 U.S. code 1681i the credit bureaus must perform a reasonable investigation within 30 days I was never provided with sufficient evidence to support the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: MO

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-04-03 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: MO

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$840.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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