vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My credit report shows late payment entries that I believe are inaccurate. Under 15 USC XXXX ( b ) and 15 USC XXXX, my report must contain only information that is accurate, complete, and verifiable. I am requesting a verification of these late payment entries, and if they can not be confirmed, I ask that they be corrected or removed.

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 2025-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Grogan Law Group, LLC
State: NJ

Complaint narrative:
XX/XX/year> spoke with XXXX at The Grogan Law Group , LLC, in order to resolve my outstanding medical balance. When she reviewed my balance and dates of services, it did not correlate with my health records. She said I was being sued for XXXX of the amounts listed under my account in their office. I requested copies of these claims. 

XX/XX/year> I received via email a copy of all the claims XXXX had stated during our phone call on XX/XX/year>. Included in the email attachments, the claim which I was told I was being sued for, was not my claim. It belongs to another individual. I was able to see this individual 's medical information ( XX/XX/XXXX violation ) and personal information, including home address and insurance details. 

XX/XX/year> I called The Grogan Law Group , LLC, and explained this to XXXX who then transferred me to XXXX. She did not answer and I left a voicemail requesting a call back to discuss the discrepancy. 

XX/XX/year> I emailed The Grogan Law Group , LLC, informing them I have attempted to reach them and would like someone to contact me regarding this matter. 

XX/XX/year> As of yet I have not received any phone call or email regarding the matter. I was wrongly accused of owing a medical debt after I verbally stated it was not mine and there was proof, I was told I was being sued because of this incorrect debt and my information may have been shared with the other individual 's account at this law group. I am concerned there has been XXXX violation on my end and also it has occurred with the other individual with the email I received on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC
State: TX

Complaint narrative:
I used EasyPay Leasings 90-Day Early Purchase Option for my service at XXXX XXXX  XXXX XXXX and paid over {$2000.00} within the required timeframe. On XXXX XX/XX/XXXX, I called EasyPay and was verbally confirmed multiple times that my final payoff amount was {$1100.00} after some monthly payments of {$120.00}. I paid that amount in full on that call and believed my lease was completed. It has just now come to my attention that an email they sent after on XX/XX/XXXX was about the payment {$120.00} prior to the final payoff amount not going through. Since I had already been verbally told that my payoff was completed and at no point during that call was I told that an earlier payment of {$120.00} was still pending, I disregarded their first email. 

When I received another email stating my new statement was available, I contacted EasyPay again to clarify. They then told me the {$120.00} payment had failed, and since I was not actively aware earlier to resolve this before the 90-day window ended ( XX/XX/XXXX ), my 90-day payoff was void and my new balance is now over another {$2000.00}. I explained that I was never informed of the pending payment during the payoff call and would have paid it immediately if it was informed so I could actively pay attention to the status.

After a few conversations trying to resolve this, customer service stopped responding to me for almost a month since XX/XX/XXXX. I only received a response again when I kindly reached back out multiple times, they finally replied on XX/XX/XXXX still denying my request to reinstate, and Im not trying to dispute it or avoiding to pay, and now charging me ~ {$2000.00} for an early payoff option saying this offer is good until XX/XX/XXXX. 

I acted in good faith, paid the amounts I was told were required within the 90-day period, and relied on EasyPays verbal confirmation of my payoff. The failure to inform me about the pending payment at the time of the payoff call contributed to the cause of me to lose the 90-day payoff option.

I am requesting that EasyPay reinstate the 90-Day Early Purchase Option or adjust the payoff to the originally confirmed final amount without the additional lease fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: DE

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 explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
I am requesting the deletion of a collection account being reported by National Credit System for XXXX XXXX XXXX XXXX XXXX  in the amount of {$780.00}. 

This account is only appearing on my XXXX  report and is not being reported to XXXX  or XXXX, which raises accuracy and verification concerns. I have no contract or agreement with this company, and they have no permissible purpose under FCRA 1681b to report this account.

Under FCRA 1681i, 1681e ( b ), and 1681s-2 ( a ) and FDCPA 809 ( 15 U.S.C. 1692g ), if the debt can not be verified with valid documentation, it must be deleted from my credit report immediately.

Please investigate and ensure this unverified and inconsistently reported collection account is permanently removed from my XXXX  file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
The entry does not reflect my payment reliability and is incorrect. I request immediate correction.

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 2025-11-05 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 submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding inaccuracies and incomplete reporting of several accounts on my credit report. These disputes are with TransUnion, and I request a thorough investigation and correction of the errors listed below. I believe that these accounts contain discrepancies that violate the Fair Credit Reporting Act ( FCRA ), and I am seeking resolution. 

Charged Off Accounts : XXXX XXXX XXXX, Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$3600.00} XXXX, Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$2100.00} XXXX, Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$210.00} XXXX, Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$1100.00} Inquiries : XXXX XXXX, Date : XX/XX/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 non-monetary relief
Consumer complaint received 2025-11-05 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: KS

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem 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 2025-11-05 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 have no affiliation with these accounts, which I believe were fraudulently created. Please delete them promptly and investigate. Proof is enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute and request correction of inaccurate information appearing on my credit report. I previously paid my account midland accounts two of them in full through a settlement offer during the collection process. The account was settled and paid as agreed ; however, it continues to be reported as an outstanding debt and is still showing as a collection account.

This reporting is inaccurate and does not reflect the true status of the account. I respectfully request that this account be updated to show a XXXX balance and Paid Settled or be completely removed from my credit report, as per the terms of the settlement. 

Additionally, I have reviewed my credit report and found a few older accounts that have exceeded the legal reporting period allowed under the Fair Credit Reporting Act ( FCRA ). These accounts should no longer be appearing on my credit report, and I am requesting their immediate removal as well. 

Please investigate these matters and provide confirmation once the inaccuracies have been corrected.

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 2025-11-05 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: AL

Complaint narrative:
TransUnion failed to block and delete the fraudulent accounts and inaccurate address within the statutorily required timeframe. 


VI. DAMAGES Plaintiff has suffered actual damages including but not limited to : Denial of credit and financial hardship Emotional XXXX  and reputational harm Time and expense incurred in disputing fraudulent entries Under 15 U.S.C. 1681n and 1681o, and Ala. Code 13A-8-199, Plaintiff is entitled to : Statutory damages of {$1000.00} per violation Actual damages in excess of {$25000.00} Punitive damages for willful noncompliance Attorneys fees and costs

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 2025-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
I am writing to formally express my concerns regarding Chime 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Chime numerous times and reporting discrepancies, my financial institution and Chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: MD

Complaint narrative:
I am requesting a review of the accounts listed below. If any of the information is found to be inaccurate or unverifiable, I request that it be promptly removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). I respectfully ask for your assistance in ensuring my credit report reflects accurate information. 

CHARGED OFF XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$230.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$690.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4100.00} INQUIRIES XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX LATE PAYMENT XXXX XXXX  Account Number : 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 2025-11-05 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:
The information reported is not an accurate reflection of my financial responsibility. Please update my records to correct this error.

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 2025-11-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
On XX/XX/year>, the company I worked for at the time ( XXXX XXXXXXXX ) sent me an American Express gift card as a bonus from the company. It came to me as a DIGITAL prepaid AmEx gift card, and it sent the front of the card with instructions in the email. I then tried to use the card, which was declined 10 different times on different websites. throughout the month I was actively trying to use it. I used it with XXXX and XXXX, and was continuously denied. I then called the AmEx customer support lines, and they continued to tell me that I need to use the card on " reputable '' websites. I asked for a refund or a new card, and they told me that I can not as the funds are available on that card. I made sure to accurately follow the instructions to use the card, and was denied even though I have the right funds on it. I also tried to add the gift card to my XXXX XXXX, as XXXX XXXX  has been taken off the app store and it's now Wallet even though AmEx continues to tell me to use XXXX. I've been completely fed up trying to use the funds, as it's {$300.00} and I would love to use my bonus from my hard work. It's complete XXXX  that a company like AmEx can get away with " rules '' for a card that won't work.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-05 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: MS

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-11-05 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: NV

Complaint narrative:
I am disputing the following accounts reported on my TransUnion credit report. I respectfully request verification of the information and request that any unverified items be removed. 

Charged Off XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$690.00} Inquiries No inquiries in dispute for TransUnion. 

Positive No positive accounts in dispute. 

Late Payment XXXX Account Number : XXXXXXXX XXXXDOFED Account Number : XXXXXXXX XXXX/DOFED Account Number : 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 2025-11-05 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: NV

Complaint narrative:
I am disputing the following accounts reported on my Experian credit report. I respectfully request verification of the information and request that any unverified items be removed. 

Charged Off XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$690.00} Inquiries No inquiries in dispute for Experian. 

Positive No positive accounts in dispute. 

Late Payment XXXX Account Number : XXXX XXXXDOFED Account Number : XXXX XXXXDOFED Account Number : 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 2025-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Self Financial Inc.
State: MN

Complaint narrative:
Self/Lead Bank is a forced tradeline company that has used my own funds against my credit rating. I request that on the accounts I had at one to for the payment histories to be deleted completely. I was never offered a line of credit, or a credit card issued against secured funds. " Self '' is a financial technology company, not a bank, and does not provide FDIC insurance itself ; however, your funds are FDIC insured through partner banks, such as XXXX XXXX  XXXX, Lead Bank, XXXX XXXX XXXX, XXXX, or XXXX XXXX XXXX, XXXX. These partner banks are Members FDIC and insure your deposits up to the standard ( {$250000.00} ) limit. Accordingly, this company does not have the rights to do monthly credit histories as it is not directly an FDIC insured institution. The connection to any FDIC insured institution is therefore invalid. The accounts are from the start illegal manipulations of the national banking system. Accordingly, my accounts should only post as PAID without a payment history posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: NY

Complaint narrative:
I am writing to formally dispute the presence of an account on my credit report that was opened without my knowledge or consent. This account reflects unauthorized and fraudulent use of my personal information, and I want to make it unequivocally clear that I did not initiate or authorize this account in any way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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:
I am requesting that the following charged-off accounts and inquiries be reviewed for accuracy in my Experian credit report. If any of this information can not be verified, I respectfully request that it be removed in accordance with the Fair Credit Reporting Act. 

Charged Off Accounts : XXXX XXXXXXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX  XXXX XXXX, XXXX XXXX XX/XX/XXXX, {$1300.00} XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, {$1700.00} XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, {$760.00} XXXX XXXX  XXXX, XXXX XXXX XX/XX/XXXX, {$0.00} XXXX XXXXXXXX, XX/XX/XXXX XXXX {$1100.00} XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX {$0.00} Inquiries : XXXX XXXX XXXXXX/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