vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I am disputing inaccurate late payments reported by State Employees Credit Union ( SECU ) for my SECU Visa credit card account. These late payments are listed for XX/XX/XXXX and XX/XX/XXXX. This is my fifth time disputing this issue. 

SECU mailed billing statements and delinquency notices to an outdated address that was no longer valid during those reporting periods. I have copies of SECU billing statements showing they were mailed to my old address while I was no longer living there. My new address was not updated in SECUs records until XX/XX/XXXX. Because SECU continued using the wrong address, I never received proper notice of any past due balance. 

I submitted multiple disputes directly to SECU and through the Consumer Financial Protection Bureau. SECU responded on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, repeating the same response and failing to correct the inaccurate information. SECU continues to use form letters and has not performed a reasonable investigation as required under the Fair Credit Reporting Act section 623 ( b ). 

SECU also confirmed in writing that my Visa account was not reporting properly to XXXX  during the same period, showing inconsistency in how they furnish data to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in 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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ).

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 2025-10-07 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 authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and XXXX  data breaches, wch exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX  # XXXX -Date opened XX/XX/XXXX XXXX  XXXX # XXXX -Date opened XX/XX/XXXX XXXX XXXX # XXXX -Date opened XX/XX/XXXX -Balance {$710.00} XXXX XXXX XXXX XXXX opened XX/XX/XXXX -Balance {$340.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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

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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Given my consistent track record of meeting payment deadlines for this account without any delays, it's unjustifiable for me to face such issues. I kindly request the prompt updating of my account to accurately reflect this history.

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 2025-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible 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 2025-10-07 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: AL

Complaint narrative:
XXXX Failure to Correct Inaccurate Information in Violation of the FCRA Account # XXXX XXXX I am submitting this complaint against Equifax for failing to comply with its obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, regarding the accuracy and correction of information on my credit report. 
Despite my repeated disputes, Equifax continues to provide only generic updated responses without addressing or removing the specific, inaccurate information I identified. These responses do not reflect a reasonable investigation as required by law and fail to resolve the inaccuracies. 
XXXX latest communication, dated XX/XX/year>, states that they updated the disputed items, yet the reported data remains incorrect and continues to harm my credit profile. By sending repetitive generic responses and leaving inaccurate information on my report, Equifax is : Failing to conduct a proper reinvestigation as required under 15 U.S.C. 1681i ( a ).

Continuing to report information it knows ( or should know ) is inaccurate, which violates 15 U.S.C. 1681e ( b ).

Wasting my time by providing superficial updates rather than complying with their duty to delete or correct disputed inaccuracies. 
I have provided Equifax with all supporting documentation needed to verify my claims. Their refusal to remove or correct the erroneous data is both unlawful and negligent, causing ongoing damage to my creditworthiness. 
I am fed up with XXXX noncompliance and am now considering filing a lawsuit to protect my rights under the FCRA. I am requesting that the CFPB compel Equifax to : Conduct a proper and complete reinvestigation of the disputed items. 
Delete or correct all inaccurate information from my credit file. 
Provide me with a clear, written explanation of their reinvestigation process and results. 
I am attaching copies of my previous disputes, Equifaxs responses, and documentation supporting my claims.

I expect the CFPB to hold Equifax accountable for failing to meet its obligations under the law. 
XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: CA

Complaint narrative:
Despite repeated attempts to resolve these matters, Experian continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. Every time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX  and the credit reporting agencies for reporting inaccurate and harmful information on my credit file. These errors are in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which requires furnishers and credit bureaus to maintain and report only accurate and verifiable information.

Inaccurate Address Reporting The following addresses are being falsely reported on my credit file : XXXX XXXXXXXX XXXX XXXX XXXX XXXX NJ, XXXX ( Wrong Address ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ, XXXX ( Wrong Address ) I have never lived at nor been associated with these addresses. The reporting of these false addresses raises serious concerns about data integrity and potential identity-related errors. 

Inaccurate Account Information Additionally, XXXX XXXX  ( Acct # XXXX ) is inaccurately reporting the following account : Open Date : XX/XX/year> High Credit : {$0.00} Status : Charge Off This is factually incorrect and damaging to my credit profile. Reporting a charge-off with a high credit balance of {$0.00} is illogical and misleading. This account is either being reported in error or is incomplete/unverifiable under FCRA requirements XXXX 

Requested Action I respectfully request the CFPB to : Investigate XXXX XXXX  reporting practices regarding the above account. 

Direct the credit reporting agencies ( Equifax, Experian, and TransUnion ) to immediately remove the inaccurate addresses and the erroneous account information from my credit file. 

Ensure that XXXX XXXX  provides documentation to substantiate the validity of this account. If they can not provide such proof, the account must be deleted entirely from my credit report. 

Take necessary enforcement actions against XXXX XXXX  for failing to uphold the accuracy standards required under the FCRA. 

Harm Caused Due to these inaccuracies, I have suffered damage to my creditworthiness, potential denials of credit opportunities, and undue stress. These errors are materially harmful and must be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: OH

Complaint narrative:
Subject : Incorrect Credit Reporting of Paid Loan XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX  To : Consumer Financial Protection Bureau ( CFPB ) Against : Equifax TransUnion Experian Details of Complaint : I am submitting this complaint because all three major credit bureaus Equifax, TransUnion, and Experian are inaccurately reporting information about my paid loan with XXXX XXXX XXXX XXXX XXXX 

According to the attached letter dated XX/XX/year>, from XXXX XXXX XXXX XXXX XXXX my account XXXX XXXXXXXX has been paid in full as of XX/XX/year>. Despite this, XXXX or more of the credit bureaus continue to report the account as open, delinquent, or with an outstanding balance, which is false and damaging to my credit. 

I have already contacted the credit bureaus directly, but the inaccurate information remains on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Subject : Incorrect Credit Reporting of Paid Loan XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX  To : Consumer Financial Protection Bureau ( CFPB ) Against : Equifax TransUnion Experian Details of Complaint : I am submitting this complaint because all three major credit bureaus Equifax, TransUnion, and Experian are inaccurately reporting information about my paid loan with XXXX XXXX XXXX XXXX XXXX 

According to the attached letter dated XX/XX/year>, from XXXX XXXX XXXX XXXX XXXX my account XXXX XXXXXXXX has been paid in full as of XX/XX/year>. Despite this, XXXX or more of the credit bureaus continue to report the account as open, delinquent, or with an outstanding balance, which is false and damaging to my credit. 

I have already contacted the credit bureaus directly, but the inaccurate information remains on my report.

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 2025-10-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian is committing identity theft by allowing things on my public credit report that I did not allow nor authorize. I have reached out to the chain of command seeking that the items be removed but no change as of yet. I am requesting that Experian remove the negative items that I did not authorize to be on my public account nor that I have knowledge of i have also reached out to Experian trying to resolve this problem and as of yet im still waiting

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 2025-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In the year XXXX. I completed a cash advance. Since then, I paid off the balance of that cash advance. I am still being charged.All related fees and although i've contacted the credit company, which is capital One. They have told me on several occasions.There 's nothing I can do unless the entire credit card is paid off. Capital one told me I will be paying these charges forever unless I somehow have enough money to pay the credit card off. 
These terms are deceptive and unclear to the consumer.It is a defective program.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-07 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: DISCOVER BANK
State: NY

Complaint narrative:
Discover reported my account to have been late for the month of XX/XX/year>. I disputed this inquiry numerous times where there was no fixed resolution nor any evidence of payment being late for the month of XX/XX/year>. I asked the company to remove the inquiry in question which is inaccurate where they failed to reach out and provide me the documentation necessary. Attached to this complaint you will find a screenshot of my payment activity for this account. My due date is the XXXX of every month. I made a payment towards this account on the XXXX of XX/XX/year> for the amount of {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: EQUIFAX, INC.
State: WI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-10-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Post Lake Lending Inc.
State: LA

Complaint narrative:
I got a loan for {$420.00}. they automatically took it out of my bank account. When I call them, they say I can pay the full amount of {$420.00}. I've paid them the full amount and some, I want to dispute this and be done with it. I've gotten the loan on XX/XX/year> and paid {$110.00} on XX/XX/year>. I paid {$110.00} on XX/XX/year>. I paid {$110.00} on XX/XX/year>. I paid {$110.00} on XX/XX/year>. And paid {$110.00} on XX/XX/year>. And they keep taking money out

Company response to consumer: Closed with explanation