vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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: VA

Complaint narrative:
XXXX XXXX is reporting a charged-off credit card account on my credit report with Experian, Equifax, and TransUnion. While the account was charged off in XX/XX/XXXX, it continues to be reported as a new charge-off every single month through XXXX. This repeated charge-off reporting is inaccurate and misleading under the Fair Credit Reporting Act ( FCRA ), and not in compliance with Metro 2 reporting guidelines.

Furthermore, the account balance appears inflated and may include unauthorized interest or fees added after charge-off, which have not been properly itemized or verified. 

As a result of this inaccurate and misleading reporting, I was recently denied for new credit. The repeated charge-off entries likely contributed to this denial, causing further harm to my credit profile and financial opportunities.

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

Complaint narrative:
XXXX XXXX is reporting a charged-off credit card account on my credit report with Experian, Equifax, and TransUnion. While the account was charged off in XX/XX/XXXX, it continues to be reported as a new charge-off every single month through XXXX. This repeated charge-off reporting is inaccurate and misleading under the Fair Credit Reporting Act ( FCRA ), and not in compliance with Metro 2 reporting guidelines.

Furthermore, the account balance appears inflated and may include unauthorized interest or fees added after charge-off, which have not been properly itemized or verified. 

As a result of this inaccurate and misleading reporting, I was recently denied for new credit. The repeated charge-off entries likely contributed to this denial, causing further harm to my credit profile and financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX Rainbow XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$51000.00} XXXX  XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$970.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$620.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$6100.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX  CA Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX  Date : 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
Consumer complaint received 2025-07-21 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: UT

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate. 
XXXX account [ XXXX XXXX XXXXXXXX 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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX IL XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$190.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$220.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2800.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$950.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$110.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$9400.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: NJ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: NJ

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 2025-07-22 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:
According to the law 15 USC 1681c-2 it is illegal to report anything on my credit report without my knowledge. Please remove this inaccurate account off of my credit report. Account Number # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I sent a formal written dispute to Nelnet under 15 U.S.C. 1681s-2 ( b ) regarding multiple inaccuracies in their credit reporting. Nelnet received the dispute but has not responded or conducted a reasonable investigation, violating their duty under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
The following accounts are fraudulent and unauthorized. Please remove it from my credit report immediately. 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 

The following inquiries are not authorized. Please remove it from my credit report immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please correct and update the late payments on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: LA

Complaint narrative:
The following accounts are fraudulent and unauthorized. Please remove it from my credit report immediately. 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 

The following inquiries are not authorized. Please remove it from my credit report immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please correct and update the late payments on my credit report. 
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 2025-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
I am disputing a debt that Wakefield & Associates ( XXXX, XXXX XXXX XXXX XXXX, TN XXXX. ) claims I owe. I mailed them a debt validation letter via mail requesting verification of the alleged debt, in accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692g.

They received my letter but have failed to respond or provide any documentation verifying the debt. Despite this, they continue to report the account to the credit bureaus, which I believe is a violation of my consumer rights under federal law. 

I am requesting that Wakefield & Associates provide full verification of the alleged debt, including original creditor details, account breakdown, and proof of ownership. If they are unable to verify the debt, I respectfully request that they remove the account from all credit reporting agencies immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Per my inquiry, Chase Bank on XX/XX/XXXX completed their investigation that my {$2200.00} check deposit was not posted to my account ( Reference XXXX XXXXXXXX ). {$2200.00} was credited to my account ending XXXX. 

On XX/XX/XXXX, without communication, Chase Bank reversed the {$2200.00} credit that was posted on XX/XX/XXXX. On my bank account, it listed this was due to " a previous adjustment was posted to your account in error on XX/XX/XXXX. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-21 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: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint against CHIME Financial , Inc. for their mishandling of a disputed transaction and repeated failures to comply with federal consumer protection laws, specifically the Electronic Fund Transfer Act ( Regulation E ). 

On XX/XX/XXXX, I filed a dispute with CHIME regarding a transaction of XXXX XXXX insert amount ], which was either unauthorized or processed in error. CHIME denied my initial dispute, at which point I submitted a rebuttal on XX/XX/XXXX. 

Despite the legal requirement to resolve disputes promptly, CHIME did not respond to my rebuttal for 11 days, and only then to deny it again without providing a clear explanation or detailed outcome of the investigation. 

On XX/XX/XXXX, I reopened the dispute again due to the continued mishandling and lack of transparency. 

Additionally, throughout this process : CHIME failed to issue a provisional credit while the dispute remained unresolved beyond the 10-business-day limit, as required under Regulation E.

Communication has been vague, inconsistent, and unhelpful, and I have not been given access to the investigation findings or rationale behind the denial decisions. 


This has caused unnecessary financial hardship and frustration, and I believe CHIME is in clear violation of federal dispute-handling standards. 

I respectfully request the CFPB investigate this issue and ensure that CHIME is held accountable for failing to follow lawful procedures in dispute resolution, including the timely issuance of provisional credits. 

I am willing to provide supporting documentation ( correspondence, timelines, screenshots ) if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have filed multiple disputes with transunion, equfax, and experian regarding multiple accounts that were fraudulently opened. I have submitted police reports and ftc reports several times. The companies have never validated the debts or mailed me or called they just keep false reporting fraudulent debts. These should be removed from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Essential Lending Inc
State: LA

Complaint narrative:
Supplemental Statement to CFPB Complaint Subject : Update to Complaint XXXX - Payment Not Reflected by Wise Loan I'm submitting this update to provide additional documentation regarding my XX/XX/year> ACH payment to Wise Loan, which has still not been reflected in my Wise Loan account dashboard as of today 's date.

Attached is a dated screenshot showing that the payment was debited from my XXXX XXXX XXXX XXXX account on XX/XX/year>. This payment has cleared my bank, yet Wise Loan has not updated my loan dashboard to show it was received. 
I am concerned that this may result in an inaccurate loan balance, a possible late fee, or negative credit reporting, none of which should apply given that the payment was made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: FL

Complaint narrative:
Here are the " What happened? '' and " Fair resolution '' statements specifically for your TransUnion CFPB complaint : 1. What happened? 
( Describe what happened, and well send your comments to the companies involved. Include dates, amounts, and actions that were taken by you or the company. Do not include personal information, such as your name, account number, address, Social Security number, etc. We may ask for some of this information later, to help the company identify you and your account. ) " In XXXX XXXX I discovered numerous inaccurate and inconsistent accounts on my credit report. I immediately initiated direct disputes with TransUnion and followed up with a formal Method of Verification ( MOV ) request [ cite : TU MOV Letter.pdf ]. TransUnion 's responses consistently stated items were 'verified as accurate ' or 'no changes made, ' despite clear discrepancies in the data [ cite : XXXX ]. 

In XXXX XXXX, I filed an FTC Identity Theft Report due to evidence of compromised personal information from multiple data breaches, which I believe led to fraudulent accounts being opened [ cite : FTC ID XXXX, XXXXXXXX XXXX  XXXX XXXX ]. 

My persistent escalation through CFPB complaints ( e.g., ID XXXX, XXXX XXXX XXXX ) [ cite : XXXX ] and contact with other agencies has exposed significant non-compliance. Notably, an account I repeatedly disputed directly with TransUnion, 'FLORIDA DEPT OF REVENUE ( Child Support Enforcement ) ' ( # XXXX ), was instantly DELETED from my TransUnion report on XXXX XXXX XXXX, after I disputed it through a third-party platform ( XXXX XXXX ) [ cite : XXXX, XXXX ]. This directly contradicts TransUnion 's prior 'no changes ' claims and proves they had the knowledge and capability to delete it earlier. This pattern demonstrates a repeated failure to conduct reasonable reinvestigations and assure accuracy. 

Numerous other unverified and derogatory accounts ( e.g., XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX  ) continue to be reported on my TransUnion credit report as of XXXXXXXX XXXX [ cite : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ]. TransUnion 's responses for these accounts often state 'Dispute resolved ; customer disagrees ' or maintain inaccuracies like 'No payment history available to display ' for charged-off accounts. This persistent pattern violates FCRA provisions, has caused significant financial harm due to inability to grow credit, and has required an extensive amount of my time.

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