vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing this complaint against the national credit reporting agencies XXXX, Equifax, and XXXX  for failing to conduct a reasonable reinvestigation under the Fair Credit Reporting Act ( FCRA 611 ) and for continuing to report inaccurate late-payment history regarding my federal student loans. 

In XX/XX/year>, I formally disputed inaccurate late-payment reporting related to my Department of Education student loans. The reporting reflected 60-day and 90-day delinquencies without a preceding 30-day delinquency, which violates the Metro 2 Credit Reporting Resource Guides required delinquency progression and renders the information technically and factually inaccurate under FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ).

Each bureau received my dispute and supporting documentation by certified mail. Despite this, they verified the information as accurate without correcting the delinquency sequence or providing documentation showing how the reporting was validated. This constitutes a failure to perform a reasonable reinvestigation. 

Additionally, none of the credit bureaus marked the account as consumer disputes this account, which is a further violation of FCRA 623 ( a ) ( 3 ). As a result, my credit history continues to reflect false and misleading payment data that damages my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing this complaint against the national credit reporting agencies Experian, XXXX, and XXXX  for failing to conduct a reasonable reinvestigation under the Fair Credit Reporting Act ( FCRA 611 ) and for continuing to report inaccurate late-payment history regarding my federal student loans. 

In XX/XX/year>, I formally disputed inaccurate late-payment reporting related to my Department of Education student loans. The reporting reflected 60-day and 90-day delinquencies without a preceding 30-day delinquency, which violates the Metro 2 Credit Reporting Resource Guides required delinquency progression and renders the information technically and factually inaccurate under FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ).

Each bureau received my dispute and supporting documentation by certified mail. Despite this, they verified the information as accurate without correcting the delinquency sequence or providing documentation showing how the reporting was validated. This constitutes a failure to perform a reasonable reinvestigation.

Additionally, none of the credit bureaus marked the account as consumer disputes this account, which is a further violation of FCRA 623 ( a ) ( 3 ). As a result, my credit history continues to reflect false and misleading payment data that damages my creditworthiness.

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 2025-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: SOFI TECHNOLOGIES, INC.
State: NC

Complaint narrative:
On XX/XX/year> I attempted to make an account at XXXX after seeing an ad on social media. I have never used this bank before and since it was convenient as I was looking for a new one, I chose to try it out. Upon applying for the application I was shocked and mortified that someone used my social security number to make and establish an account. I called the support and XXXX  team multiple times through the months with each member giving me the run around despite having already confirmed my identity and confirmed that whatever account was made with my social was fraudulent. Still, they didn't help. They kept either hanging up after putting me on hold, telling me to call back the next day etc. Now today, XX/XX/year> I called again, visibly frustrated that they are not doing anything about the account fraudentally created, instead I was again given the run around but instead told that the original case number was made for my account and not the fraudulent activity XXXX essentially there is nothing they can do right now but make another case and investigate it. ( They were already doing that ) So now I am XXXX  months into this issue with no solution and the company is not helping resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The account lists multiple XXXX late notations, yet no documentation or records have been provided showing an actual delinquency or missed payment. I have never received any notice or billing statement from XXXX XXXX showing that I was late, and Experian has refused to produce evidence verifying the accuracy of this negative information. 

I previously disputed this directly with Experian, citing that the account was not verified per FCRA 611 ( a ) and XXXX XXXX compliance standards, but received only a generic form response without proof of investigation. The FCRA requires that any disputed information must be verified as accurate and complete, and Experian has failed to do so. Reporting unverified derogatory data violates FCRA 607 ( b ), 611 ( a ), and 623 ( a ), which require credit bureaus and furnishers to maintain maximum possible accuracy and delete or correct unverifiable data. 

Under XXXX XXXX reporting guidelines, the account status ( XXXX XXXX ) and payment history must be properly documented and supported by verifiable records. Experian has accepted and published unverifiable information without certification or proof of 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 explanation
Consumer complaint received 2025-10-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The account lists multiple XXXX late notations, yet no documentation or records have been provided showing an actual delinquency or missed payment. I have never received any notice or billing statement from XXXX XXXX showing that I was late, and Experian has refused to produce evidence verifying the accuracy of this negative information. 

I previously disputed this directly with Experian, citing that the account was not verified per FCRA 611 ( a ) and XXXX XXXX compliance standards, but received only a generic form response without proof of investigation. The FCRA requires that any disputed information must be verified as accurate and complete, and Experian has failed to do so. Reporting unverified derogatory data violates FCRA 607 ( b ), 611 ( a ), and 623 ( a ), which require credit bureaus and furnishers to maintain maximum possible accuracy and delete or correct unverifiable data. 

Under XXXX XXXX reporting guidelines, the account status ( XXXX XXXX ) and payment history must be properly documented and supported by verifiable records. Experian has accepted and published unverifiable information without certification or proof of accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: VA

Complaint narrative:
The XX/XX/year> entry shows a 30-day late payment that I do not recognize. I have never been delinquent on this account, and XXXX XXXX XXXX XXXX has provided no proof such as a payment history or billing record showing an actual late payment. The account should be reported as Paid as Agreed, Never Late. 

Under the Fair Credit Reporting Act ( FCRA 611, 15 U.S.C. 1681i ) and FCRA 607 ( b ), Experian has a duty to ensure maximum possible accuracy of consumer data. It has failed to do so by publishing false delinquency information without evidence. Additionally, Metro 2 data reporting standards require accurate field entries ( Field 17A Account Status and Field 17B Payment Status ) that reflect truthful payment behavior. XXXX current coding ( Late 30 Days ) is inaccurate and violates these standards.

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 2025-10-17 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: PA

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Greetings, I am writing to request the removal of the following late payment on my credit report. This is a billing error. I was never late on this payment. I always paid on time in my account is on auto pay. Please update to never late. XXXX attaching all the necessary documents on this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: LA

Complaint narrative:
Remove the disputed accounts within the period mandated by 15 U.S. Code 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Foris DAX, Inc.
State: IL

Complaint narrative:
XXXXOn XXXX XXXX XXXX I sold cryptocurrency (XXXX) on the Crypto.com app and withdrew approximately XXXX XXXX  to my linked XXXX  XXXX  XXXX account ending in XXXXXXXXAccording to Crypto.com support, the withdrawal was successfully processed and released via XXXX  on XXXX XXXX XXXX However, the funds never arrived in my XXXX  XXXX  XXXX  account. I contacted XXXX  XXXX XXXX  and confirmed there is no record of an incoming XXXX  deposit for this transaction.XXXXI repeatedly asked Crypto.com to provide the XXXX  trace number or XXXX  reference number so my bank could locate or trace the funds, but they refused, stating the information was confidential. This information is required for the bank to investigate and locate missing funds.XXXXAs of today, the XXXXXXXX  has not been received, and Crypto.com has not provided sufficient details or assistance to resolve the issue. I am requesting that the CFPB assist in obtaining the trace information or refunding the missing XXXX XXXX  to my accountXXXX XXXX XXXX XXXX XXXX XXXX XXXX  IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Nelson Cruz & Associates LLC
State: MO

Complaint narrative:
Nelson Cruz & XXXX took money out of my account to pay XXXX XXXX XXXX company my debt I owe never paid them I can't get ahold of them still on my credit report I want a answer please

Company response to consumer: Untimely response
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-10-17 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: LA

Complaint narrative:
Kindly delete the disputed accounts in accordance with the timeframe set by 15 U.S. Code 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I had a sugar daddy who paid off my card multiple times this month he tried to get me to deposit a fraudulent check and I didnt so he got mad I didnt expect for him to try and return payments like he did but he did now my accounts all in the negatives and hes trying to say if I do what he says he will fix it

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 2025-10-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute inaccurate late payment information being reported on my credit file under the Department of Education ( XXXX ) accounts listed below. These accounts have been incorrectly marked as delinquent or late despite being in good standing or under approved deferment or forbearance at the time. 

Accounts in Question : Account name : XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$3800.00} Account name : XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$2300.00} Account name : XXXX  Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$4700.00} Account name : XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$2000.00} Account name : XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$2600.00} Account name : XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$1200.00} Account name : XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$2500.00} Account name : XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$1900.00} Account name : XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$5000.00} Account name : XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$7000.00} Account name : XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$940.00}

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 2025-10-17 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: FL

Complaint narrative:
I am writing to dispute inaccurate late payment information being reported on my credit file under the XXXX XXXX XXXX XXXX XXXX XXXX accounts listed below. These accounts have been incorrectly marked as delinquent or late despite being in good standing or under approved deferment or forbearance at the time. 

Accounts in Question : Account name : XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$3800.00} Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$2300.00} Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$4700.00} Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$2000.00} Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$2600.00} Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$1200.00} Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$2500.00} Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$1900.00} Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$5000.00} Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$7000.00} Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$940.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: Kriya Capital, LLC
State: AZ

Complaint narrative:
Credence resource management put a collection account on my credit that I have no knowledge of. It says original lender is XXXX XXXX XXXX but I have never had an account with XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: FL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: GA

Complaint narrative:
XX/XX/XXXX - I made a purchase to a company called XXXXXXXX  for {$39.00}, when the transaction came out of my account, the merchant was Your XXXX XXXX XXXX. I was told I would receive an email confirmation of the order, the email never came. The next day, XX/XX/XXXX, my card was charged 6 additional times totaling {$1800.00}. I disputed with my bank and they determined no fraudulent activity. I have attempted 3 times for this dispute to be resolved, same result each time from the bank. XXXX  phone number is disconnected and I found other cases where this has happened to others. I have filed a police report and an investigator looked into it as well. He said the same thing, the company is fraudulent and the number is disconnected. I am not the only person who has had money disappear and Chime do nothing to resolve the issue. I will be disputing this on my credit report since it was purchased using XXXX Credit Builder card.

Company response to consumer: Closed with explanation