vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NV

Complaint narrative:
I filed complaint for missing funds still not received from closed account XXXX  years ago and provided updated contact information. Investigation with company response came back in my favor for {$110.00}. I have received email from chime member support ( which I am not a member ) advising paper check returned back to chime from XX/XX/year> and they will be sending it back again to address i have moved from XXXX  years ago on XXXX XXXX XXXX to XXXX XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Florida XXXX XXXX Date : XX/XX/year> To Whom It May Concern, Subject : Formal Dispute and Notice of Negligent Noncompliance Under the Fair Credit Reporting Act ( 15 U.S. Code 1681o ) I am writing to formally dispute the accuracy and legality of several negative accounts reported on my credit file. This letter serves as notice that I believe your organization has engaged in negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681o, which provides for civil liability in cases of negligent failure to comply with any requirement imposed under the Act. 

Upon reviewing my Experian credit report dated XX/XX/year>, I have identified the following accounts that appear to be inaccurately reported, unverifiable, or otherwise in violation of the FCRA : Negative Accounts in Dispute : XXXX  XXXX ( Account ending in XXXX ) Status : Paid in settlement, {$690.00} written off Issue : Charged off despite settlement ; payment history shows prolonged delinquency without proper updates XXXX  XXXX ( Account ending in XXXX ) Status : Paid, Closed Issue : History includes XXXX delinquencies ; account closed at grantors request despite full payment XXXX  XXXXXXXX XXXX XXXX ( Account ending in XXXX ) Status : Charged off, {$24000.00} written off, {$38000.00} past due Issue : Excessive balance reporting and prolonged charge-off status without resolution XXXX XXXX XXXX  ( Account ending in XXXX ) Status : Paid, Closed Issue : History includes 120-day delinquency ; account closed at grantors request despite payment XXXX XXXX XXXX  ( Account ending in XXXXXXXX  ) Status : Multiple accounts showing 180-day delinquencies Issue : Inconsistent reporting, prolonged delinquency despite prior disputes and deferred payment history These accounts reflect potential violations of FCRA provisions requiring accurate, complete, and verifiable reporting. I request that you conduct a reinvestigation of these items and provide written confirmation of the results. If the accounts can not be verified or corrected, they must be deleted from my credit report.

Please respond within 30 days of receipt of this letter, as required by the FCRA. I also request that you send me written confirmation of any deletions or corrections made to my credit file. 

Sincerely, 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 2025-11-07 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:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: NE

Complaint narrative:
I have had my account compromised and need to ask transaction for the police so I can prosecute the individual and I can't get my account transaction history

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Driveway Finance Corporation
State: TX

Complaint narrative:
I was prequalified for a loan with XXXX  XXXX signed documents listing XXXX  XXXX but now there is a new account opened and reflecting from a different lien holder - i called the dealer and they tried to make me stay with the other lender that i did not ask for

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: IN

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am reporting a fraudulent account that appeared on my credit report without my knowledge or authorization. The account includes : Jefferson Capital Systems - opened XX/XX/year>, balance {$1700.00} I have never opened or authorized any of these accounts. I submitted formal disputes with XXXX, XXXX, and XXXX, and attached my signed identity affidavit and ID Copies. Due to the government site for theft reports being down during the shutdown, I'm filing this complaint to ensure these accounts are investigated and removed under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: SC

Complaint narrative:
XXXX has reported XXXX and XXXX late payments on my federal student loans during a period when my loans were in deferment and transitioning to an income- driven repayment plan. I did not receive any notification of payment due, status change, or billing adjustment during this time.

Under the CARES Act Section 3513 and extended Department of Education forbearance guidelines, federal student loans in non-payment status are required to be reported as current. XXXX furnished delinquency data to the credit bureaus while my loans were not in active repayment, which is inaccurate and a violation of FCRA 623 ( a ) ( 1 ) ( A ) and 15 U.S.C. 1692e.

These reporting inaccuracies are preventing me from qualifying for a mortgage and purchasing a home. I am requesting that the late payment reporting for XXXX and XX/XX/year> be corrected to reflect Paid / Current status across Equifax, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX has reported XXXX and XXXX late payments on my federal student loans during a period when my loans were in deferment and transitioning to an income- driven repayment plan. I did not receive any notification of payment due, status change, or billing adjustment during this time. 

Under the CARES Act Section 3513 and extended Department of Education forbearance guidelines, federal student loans in non-payment status are required to be reported as current. XXXX furnished delinquency data to the credit bureaus while my loans were not in active repayment, which is inaccurate and a violation of FCRA 623 ( a ) ( 1 ) ( A ) and 15 U.S.C. 1692e.

These reporting inaccuracies are preventing me from qualifying for a mortgage and purchasing a home. I am requesting that the late payment reporting for XXXX and XX/XX/year> be corrected to reflect Paid / Current status across XXXX, Experian, and 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 2025-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lockhart, Morris & Montgomery Inc.
State: LA

Complaint narrative:
I am receiving notices from assetcare for debts collections in regards to a bill from XXXX XXXX XXXX XXXX  XXXX. The CASH PRICE for this XXXX XXXX bill was XXXX and was paid on XX/XX/year> nearly one year and half ago. I have attached a statement from XXXX XXXX showing the adjustments and CASH PRICE and my balance as XXXX. I don't know where everyone keeps missing details but there should be no reason for this to keep happening. My credit score has went down XXXX points. I have went through this about 5 times already with assetcare continually stating that I owe them money, and I DO NOT OWE MONEY! 

I have contacted XXXX XXXX XXXX XXXX  XXXX I have contacted XXXX debt collections agency I have emailed AssetCare Debt collections- XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: MS

Complaint narrative:
Subject : Disputing Unauthorized Inquiries on Credit Report ( I am a consumer actively working to ensure the accuracy of my credit information and protect my rights under the Fair Credit Reporting Act ) Inquiries in Dispute : XXXX XXXX  XX/XX/year> I dispute the above inquiry on the grounds that I did not authorize it nor was I made aware of such a request. Under FCRA 604, credit inquiries must be based on my permission, and I am not aware of any action that would have led to this request.

I request Experian to verify this inquiry and provide the following : Proof of my consent to this inquiry, ideally in writing.

Documentation showing that the inquiry was made for a permissible purpose, as required under FCRA 604 ( a ).

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
i have reviewed my credit report and found these unverified items. 
please remove, update or correct these items.

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 2025-11-07 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 2025-11-07 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
The issue started when the company charged me for delayed interest etc all at one time, they claimed that I clicked on a special banner for a special deal. I XXXX  help for an emergency vet and clicked on apply from there. Since then I have paid of the statement balance at least twice yet not only do I still owe but they have me listed at past due. I have asked live chat for the pay off amount in two separate chats and they refuse. They state they do not have that information that only the statement has the balance but you can never pay it off. I have asked for management, finally not sure if they were manager but someone else named XXXX entered the chat, once I gave them the info that they claim they do not have, even though I was still in the same live chat session and window .live chat was ended.

I have delt with them for two years now. I have roughly 12 screenshots of proof from my live chat.

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 2025-11-07 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: VA

Complaint narrative:
I am writing to express my serious concern regarding the disputed accounts listed on my credit report. On several occasions, I have raised the issue of inaccuracies within these accounts and consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive a resolution or meaningful progress. These inaccurate accounts are causing significant damage to my credit file and are severely impacting my ability to lead a normal life. The negative consequences of these errors have created considerable hardship, leaving me with no choice but to urgently seek your assistance in resolving this matter. I respectfully request a detailed and comprehensive investigation into each of the disputed accounts. It is critical that immediate steps are taken to correct and update my credit report accordingly. With your support, I hope to restore the accuracy and integrity of my credit record and regain control of my financial well-being. I sincerely urge you to treat this issue with the utmost priority and act swiftly. Thank you in advance for your understanding and prompt attention.

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 2025-11-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Lien release
Company: Ygrene Energy Fund Inc.
State: FL

Complaint narrative:
First of all I didnt sign up for any service with PACE. As nurse i was XXXX to California for XXXX, 2 months after I returned to XXXX I saw solar panels on my home roof. System never been activated. There were complaints every where. So in XXXX I received a settlement check for {$4600.00} from XXXX XXXX XXXX. I cashed out the check in order to remove the lien against my annual home tax but it is still there. I want the lien to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Veros Credit, LLC
State: CA

Complaint narrative:
On XX/XX/year>, I scheduled a payment of {$1800.00} with Veros Credit, which was confirmed and intended to fulfill my financial obligation. 

On XX/XX/year>, at XXXX, my vehicle was repossessed before the scheduled payment date and without proper notification. 

Later that day, at XXXX, I sent a formal letter to Veros Credit stating that I had a valid payment agreement and requested that they honor it and provide an explanation for the repossession. 

On XX/XX/year>, I received a notice from Veros Credit that my payment arrangement was canceled, claiming the payment was collected on XX/XX/XXXX at XXXX, which contradicts the confirmed payment schedule. 

As a result of the repossession, I lost income from cleaning jobs I could not perform and experienced significant stress and inconvenience. Veros Credit did not provide any explanation or resolve the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not approve these accounts, which I believe to be fraudulent. Please investigate fully and delete them from my credit report. Documentation is provided.

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 2025-11-07 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 dispute these accounts as fraudulent since I did not open them. Please delete and investigate immediately. Proof is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
XXXX Affirm , Inc. posted {$250.00} payment to XXXX XXXX XXXX and charged my credit for the same amount and posted a loan of the same amount to my credit account. 

XXXX I confirmed the purchase with XXXX XXXX XXXX at their XXXX XXXX, NC store and was promised to deliver the product next day. 

XXXX XXXX XXXX XXXX denied to deliver the product and did not repay the loan balance of {$250.00} to Affirm , Inc . 

XXXX and later Affirm could not solve the problem of Repayment form XXXX and is keep asking for the XXXX to be paid and damaging my credit by Illegally and Fraudulently posting wrong information to my credit reports. 

XXXX Affirm is keep sending emails and text messages of paying loan of {$250.00} that did not deliver any product or services to the credit account of mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THIS IS INACCURATE ACCOUNTS. IT DOES NOT BELONGS TO ME.

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 2025-11-07 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: AL

Complaint narrative:
I am an individual consumer working to rebuild my credit. I have reviewed my credit reports and found several accounts and inquiries that appear inaccurate, incomplete, or incorrectly reported. I am filing this complaint so that the Consumer Financial Protection Bureau can assist in having these issues investigated by the credit reporting agencies under the Fair Credit Reporting Act ( FCRA ). 
Charged-Off Accounts in Dispute XXXX  XXXX Acct # XXXX Reported XX/XX/XXXX Balance {$370.00} XXXX XXXX XXXX Acct XXXX XXXX Reported XX/XX/XXXX Balance {$870.00} Dispute Summary : These charged-off accounts are reporting inconsistent information and may be inaccurate. I do not recall receiving any verification of the balances or ownership from either furnisher. I request that Equifax verify each account directly with documentation from the original creditor or delete any item that can not be verified according to the FCRA. 

Inquiries in Dispute 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 XXXXXX/XX/XXXX Dispute Summary : There are multiple repeated inquiries from the same lenders over short time spans, and I do not recall authorizing all of them. I am requesting verification that each inquiry was made with my consent and for a permissible purpose. Any unauthorized or duplicate inquiries should be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I submitted an order to sell XXXX to convert to USD that I deposited on XXXX. After selling the XXXX, XXXX  randomly decided to place 5 day hold out of no where preventing me from having access to the money. I have never had any problems with crypto or XXXX  in general so I dont understand where the hold is coming from. XXXX  allowed for me to deposit money via crypto to then place a 5 day hold on my money. Deposit came from a deposit source that I use multiple times already with XXXX. What is the reason for the hold? The crypto transaction has already been confirmed on the blockchain. Why is my money being held XXXX from me? Why allow me to deposit crypto just to hold it from me for 5 days?

Company response to consumer: Closed with non-monetary relief