vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The reported late payments from XX/XX/XXXX through XX/XX/XXXX are incomplete, misleading, and can not be fully verified based on the actual circumstances of this account. 
Here is a brief summary of the situation : My car was totaled on XX/XX/XXXX. 
I was hospitalized when XXXX first sent late-payment notices ( starting XX/XX/XXXX ). 
On XX/XX/XXXX, XXXX notified me that the account would go to collections if payment was not made. 
That same day I contacted XXXX, obtained the required documents, and began the XXXX insurance process with XXXX. 
On XX/XX/XXXX, XXXX  instructed me to contact XXXX XXXX XXXX to cancel my XXXX  warranty so they could send the refund to XXXX. 
Both XXXX and I attempted to contact XXXX XXXX XXXX multiple times, but the dealer never responded. This made it impossible to follow XXXX  instructions. 
XX/XX/XXXX I was able to defer payment with XXXX so that payment due on XX/XX/XXXX will be deferred to the end of the contract, and your next payment will be due on XX/XX/XXXX. 
On XX/XX/XXXX, I informed XXXX that I still could not reach the dealer. 
XXXX  then informed me that I could cancel the warranty directly myself, which I did. 
XXXX paid off the loan on XX/XX/XXXX. 

The delays were due to the dealership being unreachable and the insurance processnot due to negligence on my part. Because of this, the late payments are being reported without key context and are therefore incomplete and misleading, and parts of the timeline can not be fully verified due to the dealers unresponsiveness. 

After attempts for goodwill adjustments the company stated they have to report " accurate information '' but the information reported is not accurate. 
They have reported months of late payments without noting that : The vehicle was totaled Insurance was handling the claim The dealer required for cancellation was unreachable XXXX  and I made repeated attempts to comply XXXX  instructions could not be followed due to dealer non-responsiveness This makes the data incomplete. 
A reader of my credit report would believe I simply did not pay for XXXX months. In reality, payment delay was caused by : Hospitalization A total-loss claim XXXX insurance processing Dealer failure to respond Conflicting instructions that required dealer participation This misrepresents my credit behavior. The late payments are Potentially Unverifiable XXXX  can not verify the late payments as strictly consumer fault because the dealer failed to cooperate. If any portion can not be fully verified, it must be removed under FCRA 623. 

I have attatched the previous credit dispute results, the letter recieved from XXXX in regards to the matter, evidence, and statements.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CIG FINANCIAL LLC
State: CA

Complaint narrative:
The reported late payments from XX/XX/XXXX through XX/XX/XXXX are incomplete, misleading, and can not be fully verified based on the actual circumstances of this account. 
Here is a brief summary of the situation : My car was totaled on XX/XX/XXXX. 
I was hospitalized when CIG first sent late-payment notices ( starting XX/XX/XXXX ). 
On XX/XX/XXXX, CIG notified me that the account would go to collections if payment was not made. 
That same day I contacted CIG, obtained the required documents, and began the XXXX insurance process with XXXX. 
On XX/XX/XXXX, CIG instructed me to contact XXXX XXXX XXXX to cancel my XXXX  warranty so they could send the refund to CIG. 
Both XXXX and I attempted to contact XXXX XXXX XXXX multiple times, but the dealer never responded. This made it impossible to follow CIGs instructions. 
XX/XX/XXXX I was able to defer payment with CIG so that payment due on XX/XX/XXXX will be deferred to the end of the contract, and your next payment will be due on XX/XX/XXXX. 
On XX/XX/XXXX, I informed XXXX that I still could not reach the dealer. 
AUL then informed me that I could cancel the warranty directly myself, which I did. 
XXXX paid off the loan on XX/XX/XXXX. 

The delays were due to the dealership being unreachable and the insurance processnot due to negligence on my part. Because of this, the late payments are being reported without key context and are therefore incomplete and misleading, and parts of the timeline can not be fully verified due to the dealers unresponsiveness. 

After attempts for goodwill adjustments the company stated they have to report " accurate information '' but the information reported is not accurate. 
They have reported months of late payments without noting that : The vehicle was totaled Insurance was handling the claim The dealer required for cancellation was unreachable XXXX and I made repeated attempts to comply CIG instructions could not be followed due to dealer non-responsiveness This makes the data incomplete. 
A reader of my credit report would believe I simply did not pay for XXXX months. In reality, payment delay was caused by : Hospitalization A total-loss claim XXXX insurance processing Dealer failure to respond Conflicting instructions that required dealer participation This misrepresents my credit behavior. The late payments are Potentially Unverifiable CIG can not verify the late payments as strictly consumer fault because the dealer failed to cooperate. If any portion can not be fully verified, it must be removed under FCRA 623. 

I have attatched the previous credit dispute results, the letter recieved from CIG in regards to the matter, evidence, and statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
I am attaching my new business, receipt when i trade in old phones, at XXXX store This was done in XX/XX/year>. 
The attached invoice from XXXX XX/XX/year>, is wrong. 

XXXX has sent all relevant info to the XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
I am filing this dispute in regard to the following accounts on my credit report. I believe these accounts contain inaccuracies that need to be corrected. Below are the details of the disputed accounts, organized by credit bureau. 


Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4600.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4900.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00} XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6300.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} Inquiries : XXXX 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 explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN ( Last XXXX ) : XXXX Date : XX/XX/year> TD Bank USA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Direct Dispute Under FCRA 623 Request for Updated Investigation To Whom It May Concern, I am disputing the accuracy of the following account you are furnishing to the credit bureaus : TD Bank / Target Credit Card Account : XXXX Reported Balance : {$710.00} Status : Charge-Off This account contains multiple reporting inconsistencies, including excessive repeated charge-off notations and an unverifiable past-due amount.

Under FCRA 623 ( a ) ( 3 ), I request : 1. Complete payment history 2. Proof of charge-off date 3. Documentation supporting the balance 4. Original application with my signature If you can not provide verified documentation, you must notify the credit bureaus to delete the account. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Subject : Formal Complaint : Unjustified Hold on {$110000.00} Cashiers Check Deposit To Whom It May Concern, I am writing to formally complain about Chase Banks refusal to release funds from a cashiers check I deposited on XX/XX/year>, for the amount of {$110000.00}. The check was issued by XXXX XXXX XXXX and is tied to an XXXX trust account related to a legal settlement. 

Despite the issuing bank confirming there are no issues with verifying the check, Chase Bank has placed an extended no release hold on the funds until XX/XX/year>, and refuses to release any portion of the money prior to that date. This hold is causing me significant financial hardship. 

I have repeatedly requested Chase Bank to verify the cashiers check directly with the issuing bank and to provide a clear explanation for this hold, including the policies justifying it. However, Chase continues to provide conflicting information and refuses to escalate my case to their Risk or Fraud department for review. 

The lack of transparency, refusal to release legitimate funds, and inconsistent communication are unacceptable and violate consumer banking regulations.

I request immediate intervention to ensure Chase Bank : 1. Verifies the cashiers check with XXXX XXXX XXXX  promptly.

2. Provides a written explanation for the hold and its duration.

3. Releases the funds or a meaningful portion thereof without further delay.

4. Provides contact information for the person or department handling this matter.

Please confirm receipt of this complaint and advise me on the next steps to resolve this issue. 

Thank you for your attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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 filing this dispute in regard to the following accounts on my credit report. I believe these accounts contain inaccuracies that need to be corrected. Below are the details of the disputed accounts, organized by credit bureau. 

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4600.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4900.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00} XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6300.00} XXXX CARD Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} Late Payment : XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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 submitting this complaint because several credit reporting items appearing on my credit reports contain inaccurate or unverifiable information. I have attempted to resolve these issues directly with the credit bureaus, but the accounts continue to be reported inaccurately. Below is a detailed list of the disputed accounts and inquiries for each bureau. 

Accounts in Dispute : XXXX XXXX. 
Account No : XXXX Date Opened/Reported : XX/XX/year> Balance : {$0.00} Dispute : This account is listed as charged off despite showing a zero balance. This is inconsistent and misleading. Please verify the accuracy of the charge-off status and balance. If unverifiable, it should be deleted. 

XXXX XXXX Account No : XXXX Date Opened/Reported : XX/XX/year> Balance : {$780.00} Dispute : I do not recognize this account or any debt related to it. Please provide full validation and documentation proving that this account belongs to me and is being reported accurately. 

Inquiries : None reported for dispute at this time. 

Late Payments : None reported for dispute at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: NV

Complaint narrative:
I have no ownership of these accounts ; they must be taken down within 15 days as per USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: MO

Complaint narrative:
I went to XXXX XXXX, on XX/XX/year> at XXXX to deposit XXXX $ in XXXX, XXXX, and XXXX 's. The ATM would only take small amount of bills at a time. After all of my money was in the ATM in went to process, and a paper came out saying " we encountered a problem returning your cash, please contact you financial institution '' the following day, I went back up to the XXXX XXXX, and they had me contact chime, in which I did. days went past, and I still had no answers from the either of them. I called chime, and they said they closed the claim, asking why they said they didn't have any answers as my claim doesn't state it, and they will contact the investigations department, I asked if I could be transferred and they told me no. XXXX  XXXX is now stating that there is nothing they can do on my end, and I would not be receiving my money back unless chime would submit a claim, in which they refuse to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Attention Report Team at Equifax please be aware dont send me any stall letters I am sending this to you today because I have pulled my most recent credit report and I am extremely confused. It is very troubling as these items are reporting as incorrect and inaccurate information. I would appreciate your assistance to solve these problems. 

I have done research at my end and as you and myself both aware, there are laws that guarantee that credit bureaus report accurate information. According to the FCRA, the information provided should be 100 % accurate, 100 % verifiable, and reported in a timely fashion. I am well aware you have 30 days to complete this investigation. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could possibly result in an investigation by the Federal Trade Commission. 

I must demand that you run a thorough investigation for each and every mistake listed, and a complete report MUST be provided to me after you have completed the investigation. 

XXXX - XX/XX/XXXX - XXXX did not authorize this inquiry? - The following inquiry was not authorized and should not be reporting. 


Please see the above inquiries as well. 

The Fair Credit Reporting Act also states that the only permissible purpose for pulling someones credit report is : A ) Firm offer of credit B ) Insurance C ) A court order D ) Employment, for a firm offer of credit, a court order, insurance, or employment. None of the above applies to the inquiries on my credit report. Please erase them immediately. 

Any and all private information should be reporting as the following and other information should be deleted from my credit file : Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Social XXXX Thank you for taking the time to look into these, I am very excited tohear back from you! 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: PA

Complaint narrative:
Account in Dispute : XXXX : XXXX XXXX XXXX XXXX Bank Account Number : XXXX Date Opened/Reported : XX/XX/year> Reported Balance : {$100.00} Status : Charged Off Statement : I am disputing the accuracy of the XXXX XXXX/ XXXX  Bank account reported as charged off on my Experian credit report. I do not believe this account is being reported correctly. I request that Experian verify the full details of this account, including all payment history, charge-off status, and ownership documentation. If the furnisher can not provide complete and accurate documentation confirming the accounts validity, I request that it be deleted from my report per FCRA 611. I am seeking a full investigation into this matter.

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 2025-11-24 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: MA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 

Thank you for addressing this matter promptly. I kindly request a written response detailing the results of your investigation within 30 days, as required by the FCRA. If any item remains unchanged, please provide the name and contact information of the entity that verified its accuracy.

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 2025-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-24 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: PA

Complaint narrative:
I received a noticed from XXXX XXXX  card that I would be charged a maintenance fee of XXXX starting on XX/XX/year>. I feel this is unfair practice and harming consumers as rates are already high.

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 2025-11-24 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: TX

Complaint narrative:
I am submitting this dispute because the information listed on my credit reports is inaccurate, incomplete, or not properly verified. I am requesting a full investigation under the FCRA to ensure all data being reported is complete, accurate, and verifiable. 

Charged Off Accounts Disputed XXXX XXXX Opened XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance : XXXX These accounts are reporting information that appears inaccurate or unverified. I am requesting a full investigation and correction or deletion if the data can not be proven. 

Inquiries Disputed No inquiries listed. 

Late Payments Disputed XXXX XXXXXXXX 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