vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-18 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: NJ

Complaint narrative:
The XXXX XXXX XXXXXXXX account is showing as 30 days late and dropped my score XXXX points!

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 2025-08-17 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: RI

Complaint narrative:
Consumer Complaint Statement XXXX XXXX XXXX XXXX vs. Experian Misreporting of as Monthly Charge-Off Summary of the Issue : I am filing this formal complaint against Experian Information Services , LLC for violating my rights under the Fair Credit Reporting Act ( FCRA ), Metro 2 reporting standards, and the Dodd-Frank Act ( UDAAP ) by continuously and inaccurately reporting a repossessed vehicle account as a monthly Charge-Off, which misrepresents the status of the account and causes ongoing harm to my credit profile. 



Details of the Violation : The account in question is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX XXXX SC Zip XXXX ( account number ) XXXX that occurred around XX/XX/XXXX Instead of accurately reporting a one-time final derogatory status, Experian continues to display a monthly charge-off pattern, which : Misleads lenders and third parties about the true nature of the account ; Illegally re-ages the tradeline and artificially extends the derogatory impact ; Violates Metro 2 compliance guidelines regarding Payment History Profile ( XXXX ), Account Status ( XXXX ), Date of First Delinquency ( XXXX XXXX ), and Date of Last Activity ( XXXX XXXX ) ; Fails to apply the required Compliance Condition Code XXXX  during my active disputes ; Is considered deceptive and abusive under 12 U.S.C. 5531 ( UDAAP ).

Legal Violations Cited : FCRA 605B ( 15 U.S.C. 1681c-2 ) Right to block information resulting from inaccurate or unauthorized reporting.

FCRA 623 ( a ) ( 1 ) ( A ) Prohibition against furnishing inaccurate or incomplete information.

FCRA 611 ( a ) ( 1 ) ( A ) and 623 ( b ) Failure to reinvestigate and correct disputed data.

Metro 2 Technical Violations Misuse of account coding after repossession.

UDAAP 12 U.S.C. 5531 Ongoing pattern of false and abusive credit reporting. 



Prior Disputes : I submitted multiple written disputes directly to Experian, including documentation that the account was being misreported. Despite these efforts, Experian failed to correct the errors or conduct a reasonable reinvestigation, violating the standard set in XXXX v. TransUnion, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) and XXXX XXXX v. Equifax ( XXXX ). 



Requested Relief : 1. Permanent deletion and blocking of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( account number ) XXXX from my Experian credit report. 
XXXX. Confirmation that Experian has notified XXXX XXXX XXXX XXXX XXXX XXXX XXXX to cease furnishing incorrect data. 
XXXX. Investigation and regulatory enforcement by the CFPB for Experians repeated failure to comply with the FCRA and Metro 2 standards. 
XXXX. Any additional relief or sanctions the Bureau deems appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-08-18 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: DC

Complaint narrative:
I am writing to formally dispute the accuracy of the negative and derogatory information appearing on my credit report. While in the process of purchasing a vehicle, I discovered several damaging accounts and derogatory remarks that do not accurately reflect my financial history. These include, but may not be limited to, accounts related to student loans, credit accounts, and other unknown charges.

According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies are required to maintain accurate and fair credit reporting practices. Any account that is fraudulent, inaccurate, unverifiable, or misleading is a violation of this law and is considered a defamation of my character. 

I am requesting that all fraudulent, inaccurate, and unverifiable accounts be immediately investigated and removed from my credit report. Failure to do so would constitute continued noncompliance with federal law. 

As required by law, I have enclosed the following supporting documentation : A copy of my FTC Identity Theft Report A copy of my government-issued photo ID A copy of my Social Security card Proof of my current address According to FCRA 605B, upon receipt of this documentation, a consumer reporting agency must block the fraudulent information within XXXX ( XXXX ) business days. Please note that the statute does not require a police report when a valid Identity Theft Report from the Federal Trade Commission is provided. 

I hereby demand that you : Block all accounts, inquiries, and negative information related to identity theft.

Permanently delete these fraudulent items from my credit file.

Provide me with written confirmation that the fraudulent information has been removed.

Failure to comply with this request will be considered a violation of federal law and may result in enforcement actions, complaints filed with the Consumer Financial Protection Bureau ( CFPB ), and potential legal remedies. 

I expect full compliance with this request and written confirmation of the blocking and deletion within the statutory XXXX-business-day deadline. 


Please conduct your reinvestigation of these items and provide written confirmation of the results within the time allowed by law. If you find that these accounts can not be fully verified, they must be deleted promptly from my file. 


Sincerely, 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 2025-08-18 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: DC

Complaint narrative:
I am writing to formally dispute the accuracy of the negative and derogatory information appearing on my credit report. While in the process of purchasing a vehicle, I discovered several damaging accounts and derogatory remarks that do not accurately reflect my financial history. These include, but may not be limited to, accounts related to student loans, credit accounts, and other unknown charges.

According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies are required to maintain accurate and fair credit reporting practices. Any account that is fraudulent, inaccurate, unverifiable, or misleading is a violation of this law and is considered a defamation of my character. 

I am requesting that all fraudulent, inaccurate, and unverifiable accounts be immediately investigated and removed from my credit report. Failure to do so would constitute continued noncompliance with federal law. 

As required by law, I have enclosed the following supporting documentation : A copy of my FTC Identity Theft Report A copy of my government-issued photo ID A copy of my Social Security card Proof of my current address According to FCRA 605B, upon receipt of this documentation, a consumer reporting agency must block the fraudulent information within XXXX ( XXXX ) business days. Please note that the statute does not require a police report when a valid Identity Theft Report from the Federal Trade Commission is provided. 

I hereby demand that you : Block all accounts, inquiries, and negative information related to identity theft.

Permanently delete these fraudulent items from my credit file.

Provide me with written confirmation that the fraudulent information has been removed.

Failure to comply with this request will be considered a violation of federal law and may result in enforcement actions, complaints filed with the Consumer Financial Protection Bureau ( CFPB ), and potential legal remedies. 

I expect full compliance with this request and written confirmation of the blocking and deletion within the statutory XXXX-business-day deadline. 


Please conduct your reinvestigation of these items and provide written confirmation of the results within the time allowed by law. If you find that these accounts can not be fully verified, they must be deleted promptly from my file. 


Sincerely, 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 2025-08-17 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: IN

Complaint narrative:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: IN

Complaint narrative:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

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 2025-08-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Minto Financial dba Minto Money
State: ID

Complaint narrative:
On or about XX/XX/year>, I received an Adverse Action Letter from Minto Money for a loan application I never submitted. This was a fraudulent application using my personal information ( identity theft ).

I immediately contacted Minto Money by phone and email ( XXXX, XXXX ) and requested : A full copy of the fraudulent loan application, Submission details ( date, time, IP address, email, phone, device info, banking details, etc. ), Any supporting documentation or metadata.

Despite multiple attempts over more than six ( 6 ) days, the company has not provided any of the requested information. Their lack of cooperation prevents me from filing a complete police report and increases my exposure to further identity theft and financial harm.

I am requesting that Minto Money provide all details related to the fraudulent loan application so I can pursue law enforcement action and protect myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: FL

Complaint narrative:
XXXX XXXX is reporting a charged-off credit card account as a derogatory item on my credit reports. The account shows as Charged off/ Cancelled by credit grantor with a balance of {$850.00}. However, I never received a required IRS Form 1099-C for cancellation of debt, which creditors must issue if the debt was truly cancelled. This creates an inconsistency : the creditor is reporting the account as cancelled, but they have not provided the legally required documentation. 

In addition, the information being reported is inconsistent across credit bureaus. For example, the last payment date differs ( XX/XX/year> vs. XX/XX/year> ), the account limit and balance fields are reported differently, and the remarks do not match. These discrepancies make the account unverifiable, inaccurate, and misleading under the Fair Credit Reporting Act ( FCRA ). 

I am requesting that this account be fully removed from all of my credit reports because it is being reported inaccurately, inconsistently, and without the required 1099-C documentation.

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 2025-08-18 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened a checking account first and put money on CD for XXXX  months with interest rate XXXX XXXX XXXX XXXX XXXX  the CD was reinvested to the same term with the same rate. But account doesn't show the same. Instead of XXXX XXXX it shows XXXX XXXX. I was told that renewal will be the same.

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 2025-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am filing this complaint against LVNV Funding LLC because they are reporting an account on my credit report without providing proper validation of the alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g ( b ), and Regulation F ( 12 CFR 1006.34 ), I have the right to request meaningful validation before further collection or reporting continues... 
I submitted a written request for validation, specifically asking for the original contract, a complete accounting of the alleged balance, and proof of ownership establishing LVNV Fundings legal right to collect. Despite this request, they failed to provide proper documentation, instead offering only vague account summaries that do not meet federal standards for validation... 
This debt was reported on my credit report without my authorization, knowledge, or receipt of goods or services, creating inaccurate reporting in violation of the Fair Credit Reporting Act ( FCRA )...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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 discovered several accounts and inquiries on my credit report that do not belong to me. These include collections, unauthorized hard inquiries, and incorrect late payments. I have already sent a formal dispute to the credit reporting agency requesting validation and removal of these items. No response or documentation has been provided, and the inaccurate information continues to negatively affect my credit report. Immediate correction is requested.

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 2025-08-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: PA

Complaint narrative:
Unresolved Issue with Chime Account Despite Multiple Support Attempts. I am submitting this complaint regarding an unresolved issue with my Chime account. Despite multiple attempts to resolve this problem through Chimes internal support channels, the issue remains unresolved. I am now reporting this externally to ensure proper documentation and review. On XX/XX/XXXX, I called to speak with a representative because my paycheck posted XX/XX/XXXX and repaid the full balance of my last cycle and with a fresh {$300.00} limit, I only accessed {$66.00} from this cycle that day. My outstanding balance is showing {$66.00}, but XXXX is not releasing any daily availability since the XXXX. I followed all instructions provided by representatives, including removing my payroll provider and adding that back, restarting the app, deleting it and downloading it back, allowing for 24-48 hrs for it to reset. I was even told on the XXXX that the issue was that Chimes system was recalibrating and would be fixed in 24 hrs. On the XXXX I called back and a representative informed that the first representative submitted my ticket to the wrong team and that my issue would be resolved with XXXX as well. Now today on the XXXX, after asking to speak with a supervisor twice and being hung up on twice, having to have my attorney present during the call just to have a proper conversation, the supervisor named XXXX informed me that after all of the miscommunication and misdirection that the issue can not be resolved and that I just have to wait until my next paycheck ( even though I just got paid 4 days ago ) for the system to automatically reset for me to regain access to the XXXX daily funds. I informed the supervisor that this issue is blocking my access to my funds and account features. That directly affects my ability to manage my finances. I explained that I need a concrete update and timeline, or for this to be escalated immediately to someone who can provide that. She informed me that she is the highest in command that I could speak with and she also said that she rather deal with angry customers and tell them the truth than to tell them a lie. She apologized and reiterated that they can not fix this issue, even though I received my paycheck on the XXXX I would have to wait for my next paycheck which arrives on XX/XX/XXXX. No alternatives were provided, I was told several times that there is no internal resolution and that I could look into the XXXX policy as well. I am extremely disappointed and am in awe due to the difficulty this adds to my financial situation as this is an issue that occurred solely within their system and on their end but they cant do anything to resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: GA

Complaint narrative:
Ive been receiving letters about student loans that dont belong to me. The only college i attended was XXXX XXXX XXXX, and i even called them to see why the letters was coming to my mail because my grandparents paid off my college tuiton in full without applying for student loans. Their response was you dont have an outstanding balance on your account. Now recently my credit score dropped dramatically for something i didnt do and its affecting my personal life. I believe either someone used my information or this is just a huge mistake, i have no idea about a student loan. May someone please take a deep dive into this so it can be 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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
I had a financing agreement with Affirm for XXXX ( similar to XXXX ). After making two payments, I discovered the merchant required an additional {$600.00} payment to an outside dentist before services could begin. This requirement was never disclosed at the time of purchase, making the product unusable. I immediately notified Affirm and requested cancellation. Affirm told me they opened an investigation, but they continued the loan and reported it as a charge-off even though I never received or used the product. I later disputed the account with XXXX  under the Fair Credit Reporting Act, but Affirm verified the loan simply as belonging to me, without addressing the misrepresentation or the fact that services were not rendered. Because of Affirms refusal to correct this, the charge-off remains on my XXXX  report. This has caused me significant harm, including being denied entry into a down payment program. 

On XX/XX/year>2025, the account was returned to Affirm by the debt collector. Since then, no resolution has been provided. I contacted Affirm on XX/XX/XXXX, and they claimed they never received the returned account. I then reached out to the debt collector, XXXX XXXX, who confirmed via email, attached to this complaint that the account had indeed been sent back. Despite this, Affirm denied receipt and insisted that I should pay, even though I never received the service. On XX/XX/XXXX, I called Affirm again and set up a three-way call with XXXX XXXX. During that call, XXXX XXXX confirmed that the account had been returned to Affirm, and they submitted another attempt to return the account to Affirm as of today, XX/XX/XXXX. Despite this, Affirm continues to claim they have not received the account, and no resolution has been provided, as they refuse to acknowledge that XXXX XXXX returned the account twice. Affirm has refused to correct my credit report even though the merchant misrepresented the service and Affirm failed to properly close the loan after my timely dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
The BANK OF AMERICA account is reporting as 30 days late and it dropped my score XXXX points! I was not late.

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 monetary relief