vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc.
State: IL

Complaint narrative:
I was looking for a loan with a company and instead they set me up with XXXX  XXXX  account. 
After that they report that I was late on payments which I never accept it in the first place. they reported it on my credit report as a charge off and I was asking them for them for the 1099c debt of charge off. They didnt have it cause it was never a loan, it was a XXXX XXXX  account. Which I never sing up for Money lions inc Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: DE

Complaint narrative:
A XXXX XXXX account was previously deleted from my XXXX credit report after a dispute due to inaccurate and/or unverifiable information. I received confirmation from Experian that the account was removed. 

However, the same XXXX XXXX account has now reappeared on my Experian credit report without any advance notice, explanation, or proof of reinvestigation being provided to me. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), once an account is deleted, it can not be reinserted unless the furnisher certifies the accuracy of the information and the credit bureau provides written notice to the consumer within XXXX business days of reinsertion. I did not receive any such notice or documentation. 

Additionally, this account is reporting inconsistently across credit bureaus, as it does not appear the same way on TransUnion and has been removed previously from Experian, raising further concerns about accuracy and compliance. 

This reinsertion has caused financial harm, including denial of credit and negative impact to my credit profile.

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 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Back in XX/XX/2025 I received a text message stating that I needed to call Huntington Bank because there was a problem with my account. I called them then the next day I noticed all of these transaction being done. I went to the bank and they said that I needed to dispute the transaction, which I did. The bank rep put a hold on the transactions. Two week later they denied my request stating that whoever made the transaction had my card. I told them that they didn't have my card. I went back and forth with them for months. They never fully investigated these transactions. I am entitled to my money back. Listed below are the transaction that was done without my permission and card. These was all online transactions done the week of XXXX XXXX XXXX XXXX XXXX XXXX {$5.00} XXXX. XXXX XXXX  {$38.00} XXXX. XXXXXXXX XXXX {$45.00} XXXX International transaction fee {$.00} & {$3.00} XXXX. XXXX {$100.00} XXXX. XXXX XXXX  {$10.00} XXXX. XXXX XXXX  {$54.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
According to 15 USC 1681, I have the right to dispute inaccurate and unverifiable information that's on my credit report. I have disputed multiple times with credit bureaus, and it's still coming back as updated and verified without a proper investigation. The company has failed to send me any of the information I requested, even with my other complaint, t they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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:
Could you verify this entry? Im worried it may be inaccurate.

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 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Unauthorized debit card transactions were processed while I was medically incapacitated and hospitalized. TD Bank denied my Regulation E claim without a reasonable investigation, relying solely on consistent login activity and PIN usage, despite police reports, sworn affidavits, medical records, and third-party confirmation that the payments were not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Unauthorized transactions were made without my authorization. 
These transactions occurred while I was undergoing XXXX XXXX XXXX  and was XXXX XXXX 
I did not knowingly approve, send, or benefit from these transactions.

I am requesting a full refund and proper investigation under Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The inclusion of this late payment is incorrect, as I have always paid on time. I kindly ask for its immediate removal and for my account to be properly updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: PA

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: TX

Complaint narrative:
Good day, I am writing to ask that the following late payment be taken off my credit report. This is a mistake on the bill. I was never late with this payment. I always paid on time because my account is set up for automatic payments. Please change to never late. This letter has all the papers you need.

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 2025-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Inc.
State: TX

Complaint narrative:
On Sunday, XX/XX/XXXX at XXXX XXXX, I made a transfer through the Sendwave mobile app. I saw it advertised by an influencer on XXXX. She provided a code to use on the app and offered {$30.00} USD with free shipping. I thought it was trustworthy, so I downloaded the app and filled in the required information to make my transfer ( {$1700.00} USD ). However, the money never arrived. I've tried contacting them many times via phone and online chat, but they only respond with AI. They haven't provided any information about where my money is or a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-12-23 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:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-12-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I checked my credit report and was down XXXX from XXXX to XXXX. I saw 5 credit cards purchased including personal loan total XXXX. I never applied those accounts on between XX/XX/XXXX to XXXX, XXXX. I did called the bank issuer and store credit cards to closed or cancelled due to fraudulent. 3 credit bureau has my credit rating scores and fraudulent accounts. I called and reported to police and has case no. My XXXXXXXX XXXX XXXX and driver license were pickpocketed at XXXX store in XXXX XXXX in XXXX XXXX was not recovered last XX/XX/year>. Our mails were held to post office due to stolen mails from mail boxes. But mails distribution on regular resume last week. My credit score rating was affected to low.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am submitting this complaint regarding inaccurate, misleading, and unverifiable information being reported by Bank of America to ChexSystems in violation of the Fair Credit Reporting Act ( FCRA ). 

ChexSystems is currently reporting a Bank of America XXXX account as ACCOUNT ABUSE with a closure date of XX/XX/XXXX. The account was paid in full on XX/XX/XXXX, yet the derogatory classification remains. 

Despite disputing this information, ChexSystems states the account was verified as accurate, but neither ChexSystems nor Bank of America has provided any documentation, method of verification, or evidence supporting the continued reporting of this derogatory designation, as required under FCRA XXXX. 

Additionally, the account is being reported with an address ( XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ) that does not match my verified personal information, raising concerns of inaccurate personal identifying data or mixed-file reporting, in violation of FCRA XXXX ( b ). 

Bank of Americas continued furnishing of this information is misleading and materially incomplete under FCRA 623 ( a ) ( 1 ), as it creates a disproportionate negative impression despite the account being resolved and paid in full.

I have submitted written disputes to both ChexSystems and Bank of America via certified mail requesting : Proper verification documentation Correction or deletion of inaccurate address data Removal of the misleading account abuse classification Compliance with FCRA reinvestigation requirements To date, neither party has provided sufficient verification or corrected the reporting.

I am requesting that the CFPB require : 1. Full disclosure of the method of verification used 2. Correction or deletion of inaccurate personal information 3. Removal of misleading derogatory classifications 4. Compliance with FCRA 607, 611, and 623 I am seeking immediate correction or deletion of the inaccurate reporting and confirmation that my consumer reporting rights are being upheld. 

Thank you for your assistance.

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 2025-12-23 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
In XX/XX/year>, a formal Debt Validation Request was sent via Certified Mail to Columbia Debt Recovery regarding an alleged debt of {$3600.00} originated by a property management group. The company received the request but has completely failed to provide the mandatory verification or validation documentation required under the FDCPA ( 15 U.S.C. 1692g ). 

Despite this failure to validate, the company continues to report this unverified debt to the consumer credit reporting agencies. Furthermore, the company engaged in deceptive collection practices by including a third partywho was merely an applicant and never a tenant, lessee, or debtoron the initial collection notice. Misrepresenting the legal status of a debt by including a non-liable party is a direct violation of XXXX U.S.C. XXXX. 

Additionally, the balance being reported is inaccurate and inflated because the original creditor failed to mitigate damages as required by Washington XXXX law ( RCW XXXX ), yet the collector continues to report the full, unverified amount without providing an itemized accounting. 

What information did you request from the company? ( Condensed list ) Copy of original signed lease ; Itemized accounting of total balance ; Legal proof of liability for applicant ( non-tenant ) ; Verified Date of First Delinquency ; Evidence of mandatory damage mitigation under WA XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: TX

Complaint narrative:
Upon reviewing my credit report, I found certain collection and charge-off entries to be inaccurate, outdated, or unverifiable. Despite submitting disputes and providing supporting documentation, these accounts remain unverified and continue to negatively impact my credit. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of these accounts. Any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

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 2025-12-23 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 knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THIS COMPLAINT CONCERNS ACCOUNTS APPEARING ON MY CREDIT REPORT THAT I DID NOT OPEN OR AUTHORIZE. I HAVE NO AFFILIATION WITH THESE ACCOUNTS AND FORMALLY REQUEST THEIR REMOVAL.

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 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Netspend Corporation
State: ID

Complaint narrative:
Net spend received a settled refund from Walgreens but they wont give me access

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 2025-12-23 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: TX

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

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 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
In XX/XX/year>, a XXXX late payment was reported on my American Express account during my divorce. While I am the primary cardholder, responsibility for this account was legally assigned to my ex-husband, who incurred the charges. I requested a goodwill adjustment from American Express to remove the late payment, but the request was denied. The account is now current, and minimum payments are being made. This was an isolated incident in my long history as a responsible American Express cardholder.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
I had a XXXX XXXX XXXX XXXX  and had to be taken by the ambulance to the hospital and ended up staying between the hospital XXXX XXXX XXXX  over a month. Once I was released I had to XXXX XXXX XXXX XXXX. I never got a bill for the ambulance and I thought it had been wrote off XXXX XXXX XXXX  wrote my medical bill off. Maybe a year later I started receiving phone calls from debt collectors multiple times a day about paying this. I had every intention of paying it however it was multiple companies calling. And every time Id ask for information they couldnt give me any. I had no clue which of the 4 or 5 different companies to actually pay this debt. It was only XXXX and it has killed my credit. I tried to dispute it with the credit bureau and they said it was a valid debt but couldnt give me information. I guess if the debts been sold to 10 creditors how can it still kill my credit for years under the original ambulance company. Then I bought a vehicle that turned out to be terrible and an insane rate bc of my credit and they somehow gave my phone number out to every extended warranty place. Its so bad between the creditors and warranty companies I hate picking my phone up

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: GA

Complaint narrative:
I am seeking the immediate removal of these fraudulent accounts from my credit report, as I did not authorize or recognize them. Under USC 1681g, I request their deletion within 15 days. Relevant supporting documentation is enclosed.

Company response to consumer: Closed with explanation