vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 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: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: NY

Complaint narrative:
XXXX XXXX has repeatedly failed to comply with federal consumer protection laws after receiving multiple written disputes regarding inaccurate late payment reporting on my accounts. Despite formal disputes submitted directly to XXXX XXXX and through the CFPB, the company has failed to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ( b ) ). 

XXXX XXXX continues to report inconsistent and inaccurate information across the consumer reporting agencies. XXXX reports no late payment history or negative information, while TransUnion and XXXX  report contradictory late payment indicators for the same accounts. XXXX XXXX has failed to explain or reconcile these discrepancies. 

Additionally, XXXX XXXX has not provided proof of compliance with the Truth in Lending Act ( 15 U.S.C. 1666b ) and Regulation Z, including evidence that billing statements were mailed or delivered at least 21 days prior to the payment due dates. No mailing records, delivery confirmations, or reasonable procedures have been produced. 

XXXX XXXX has also failed to provide a lawful method of verification, including copies of billing statements, internal payment posting histories, or documentation relied upon to verify the alleged late payments. 

Despite claiming that the accounts were verified and that its investigation was completed, XXXX XXXX has relied solely on conclusory statements without documentary support. Furthermore, the company falsely stated that it was unable to reach me, despite initiating multiple phone calls. I declined to provide sensitive personal information by phone and requested written correspondence, which XXXX XXXX refused to guarantee. 

This pattern of conduct demonstrates bad faith, procedural evasion, and continued noncompliance with the FCRA and TILA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: NY

Complaint narrative:
XXXX XXXX has repeatedly failed to comply with federal consumer protection laws after receiving multiple written disputes regarding inaccurate late payment reporting on my accounts. Despite formal disputes submitted directly to XXXX  XXXX and through the CFPB, the company has failed to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ). 

XXXX XXXX continues to report inconsistent and inaccurate information across the consumer reporting agencies. XXXX  reports no late payment history or negative information, while XXXX  and Experian report contradictory late payment indicators for the same accounts. XXXX XXXX has failed to explain or reconcile these discrepancies. 

Additionally, XXXX XXXX has not provided proof of compliance with the Truth in Lending Act ( 15 U.S.C. 1666b ) and Regulation Z, including evidence that billing statements were mailed or delivered at least 21 days prior to the payment due dates. No mailing records, delivery confirmations, or reasonable procedures have been produced. 

XXXX XXXX has also failed to provide a lawful method of verification, including copies of billing statements, internal payment posting histories, or documentation relied upon to verify the alleged late payments. 

Despite claiming that the accounts were verified and that its investigation was completed, XXXX XXXX has relied solely on conclusory statements without documentary support. Furthermore, the company falsely stated that it was unable to reach me, despite initiating multiple phone calls. I declined to provide sensitive personal information by phone and requested written correspondence, which XXXX XXXX refused to guarantee. 

This pattern of conduct demonstrates bad faith, procedural evasion, and continued noncompliance with the FCRA and TILA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NH

Complaint narrative:
On XX/XX/XXXX I noticed fraud in my checking account. Multiple companies withdrew money on my debit card. I called right away to dispute these charges. XXXX XXXX XXXX XXXX XXXX XXXX withdrawals & XXXX XXXX XXXX {$10.00} XXXX XXXX XXXX, {$55.00} XXXX  {$10.00}. I filed fraud charges and all were denied. Tonight I just saw another alert from XXXX XXXX they were trying to take money out of my old account. I have never had a withdrawal from any of these companies before reporting them as fraud. Chime Bank refused to return my money. They told me they did an investigation and would not return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I am receiving repeated and unwanted phone calls from a third-party debt collection agency. On XXXX of XXXX, I clearly told the caller to stop calling me. Despite this request, the company has called me every single day since then, primarily in the morning hours. Many of these calls are dead air/ no one on the line. On XX/XX/year>, I spoke directly with a representative and again requested that my number be removed. The representative stated that my number would be taken off their call list. However, the calls have continued daily after this promise and are still ongoing. These repeated calls disrupt my sleep and the sleep of my XXXX daughter, causing ongoing stress and interference with daily life. This company is a third-party debt collector, and their continued calls after my stop request constitute harassment and unlawful communication under the Fair Debt Collection Practices Act ( FDCPA ) and applicable Pennsylvania consumer protection laws. I am requesting that the company immediately cease all phone calls, confirm removal of my number in writing, and address these violations.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/year>, I submitted a formal dispute to Experian regarding incorrect personal identifying information on my credit report ( Report Number : XXXX ). My legal name, date of birth, and address are incorrectly reported, and multiple inaccurate name variations appear on the report. 

I requested that Experian correct my personal information and remove all incorrect name variations. As of now, the company has not completed the requested corrections, and my credit report still contains inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: NV

Complaint narrative:
Im completing about inaccuracies of the following accounts : Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX  Account Number XXXX I am submitting this complaint regarding inaccurate and unverified information being reported on my TransUnion consumer credit file by the above-named furnishers. Despite my rights under federal consumer credit laws, these accounts continues to be reporting with errors and/or without proper verification, causing ongoing harm to my credit profile. Harm that has caused me to not get approved for housing, which has drastically changed my living situations. 

The accounts listed above are reporting inaccurately on my credit report despite me previously bringing it to the furnishers attention. Specifically, the information being furnished is not complete, not accurate, and not verifiable, as required by law. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), furnishers of information have a legal obligation to : Report only accurate and complete information Conduct a reasonable investigation when a dispute is submitted Verify the accuracy of disputed information with competent evidence Correct or delete any information that can not be verified Despite this, the furn

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: PA

Complaint narrative:
I am submitting this letter as my second formal dispute concerning multiple inaccuracies that continue to appear on my credit reports across Experian, Equifax, and TransUnion. Despite my previous dispute submissions and the supporting documentation I provided, several accounts are still being reported inconsistently and inaccurately, causing significant misrepresentation of my true credit history, adversely affecting my creditworthiness, and potentially impacting my ability to obtain credit on fair terms. I am requesting a comprehensive reinvestigation, correction, and update of all disputed items under the Fair Credit Reporting Act ( FCRA ) including 15 U.S. Code 1666 regarding the correction of billing errors, 1666a concerning creditor restrictions during a dispute, 611 ( 15 U.S.C. 1681i ) for disputing inaccurate information with credit bureaus, 623 ( a ) ( 2 ) obligating furnishers to correct and update information, 605 ( a ) relating to obsolete information, and 609 ( 15 U.S.C. 1681g ) which ensures my right to full disclosure. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$630.00}

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 non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
I disputed an auto loan tradeline furnished by Toyota Financial Services and investigated by XXXX. The dispute results dated XX/XX/year> state that the account was updated and that additional information was provided by the original source. Despite this, the material inaccuracies I disputed remain unresolved, and the reporting now contains internal contradictions and incomplete historical data. 

The account is currently reported as Pays As Agreed and Paid and Closed, while simultaneously displaying XXXX  day delinquency codes in multiple months. This characterization is facially inaccurate and misleading. An account can not pay as agreed while containing unresolved late payments unless those late payments are fully substantiated with contemporaneous payment records. No such documentation has been provided. 

Additionally, significant portions of the accounts monthly history are reported as No Data Available, including extended periods following the alleged delinquency. This constitutes incomplete reporting and violates the furnishers and consumer reporting agencys duty to ensure maximum possible accuracy. Post-dispute modification of fields such as account history, last payment date, and closed date further indicates reconstruction of data rather than verification based on original source records. 

XXXX response relies on a furnisher certification without demonstrating that a reasonable reinvestigation was conducted as required by 15 U.S.C. 1681i. I was not provided the method of verification, the specific documents reviewed, or confirmation that the reinvestigation was not performed through an automated system such as e-OSCAR. Courts have held that blind reliance on furnisher responses, particularly where inconsistencies and data gaps exist, does not satisfy the FCRA. 

Toyota Financial Services, as a furnisher, failed to meet its obligations under 15 U.S.C. 1681s-2 ( b ) by continuing to report information that is incomplete, contradictory, and not demonstrably verifiable. XXXX  failed to comply with 15 U.S.C. 1681e ( b ) and 1681i by continuing to publish this information without resolving the inaccuracies. 

The continued reporting of this tradeline is causing ongoing harm and constitutes willful or negligent noncompliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I just want to Follow up this complaint because both Experian and XXXX have reported a series of inaccurate, inconsistent, and legally noncompliant entries on my credit reports, including outdated and unverified addresses ( XXXX XXXX XXXX XXXX GA XXXX and XXXX XXXX XXXX XXXX GA XXXX XXXX by Experian ), conflicting late-payment data on XXXXXXXX XXXX account XXXX showing mismatched XXXX of last activity and erroneous XXXX late notations despite a {$0.00} balance ( in violation of FCRA XXXX, XXXX ( a ) ( XXXX ), XXXX ( b ), and XXXX U.S.C. XXXX ), and an improperly reported collection from XXXX XXXX XXXX for XXXX XXXX XXXX ( account XXXX, {$280.00} ) appearing only in Experians file but not in TransUnions raising concerns of unverifiable debt, inaccurate XXXX reporting, and violations of FDCPA XXXX, XXXX, XXXX as well as FCRA XXXX ( a ), XXXX ( c ), XXXX ( a ) ( XXXX ) ( A ), and XXXX ( a ) ( XXXX ) ; additionally, both bureaus are reporting inquiries that I do not recognize or for which no permissible purpose has been providedincluding XXXX  in Experian ( XXXX ) and XXXX XXXX, RegionalAC ( XXXX ), XXXX, and XXXX XXXX XXXX XXXX ) in TransUnion contrary to FCRA XXXX ( a ), XXXX ( a ), and XXXX, and I have been unable to obtain proper validation or verification despite repeated attempts, leaving me with inaccurate negative information that is harming my consumer rights and creditworthiness and must be remove or deleted in accordance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: January Technologies, Inc
State: TX

Complaint narrative:
Overview : I am disputing an invalid debt of {$1300.00} ( associated with XXXX  Loan ID : XXXX ) currently being collected by XXXX. This loan was settled in full through my bank, yet XXXX incorrectly processed a " Charge-Off '' on XX/XX/year>, due to a failure to reconcile dispute reversals. 

Payment and Dispute Timeline : In XX/XX/year>, I used an XXXX  XXXX  Card for a purchase of {$2600.00}. I made four successful payments of $ XXXX via XXXX XXXX to satisfy the balance by XX/XX/year>. I later initiated a merchant dispute with my bank, which resulted in temporary credits for two of these payments ( {$670.00} and {$670.00} ). 

Evidence of Settlement : My XXXX XXXX " Account Activity '' records ( provided in attachments ) prove that these funds were permanently re-settled to Affirm : XX/XX/year> : {$670.00} was re-billed/settled to XXXX. 

XX/XX/year> : {$670.00} was re-billed/settled to XXXX. 

The Error : Despite receiving these funds in XXXX and XXXX, XXXX  issued a " Debt Validation '' letter on XX/XX/year>, claiming the loan was " Charged Off '' and that I remained responsible for repayment. This is an accounting error ; XXXX has been paid the full {$2600.00}. I contacted XXXX on XX/XX/year>, to resolve this, but they claimed my request was " unclear '' and refused to reconcile the XXXX settlement dates to my loan ledger.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: SC

Complaint narrative:
I reviewed my credit report and noticed inaccuracies in certain accounts that need to be reported and corrected

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: SC

Complaint narrative:
I reviewed my credit report and noticed inaccuracies in certain accounts that need to be reported and corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: KY

Complaint narrative:
XX/XX/year> my account was restricted for unusual activity I guess my direct deposit from my job was the unusual activity but after I tried to take my money off it said some stuff restricted than they gave me access back for XXXX minutes than same thing and next day after day my account was closed no words about where my money going

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-22 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: NY

Complaint narrative:
I am submitting this complaint as a formal dispute and request for correction regarding certain accounts appearing on my credit report. I have taken the time to carefully review my credit file in its entirety, and it has become clear that several accounts are currently being reported in a manner that does not fully or accurately reflect their true payment performance, resolution, and overall status. My intent with this correspondence is to ensure that my credit report reflects complete, fair, and accurate information, as required by federal law. 
My credit history represents years of financial responsibility, effort, and follow-through. While occasional timing issues may arise in the course of managing financial obligations, those situations do not define the final outcome or overall performance of an account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXXXX reported in XXXX and XXXX Under the Fair Credit Reporting Act, specifically XXXX U.S.C. XXXX ( CRA XXXX ), I am entitled to dispute information that is inaccurate, incomplete, or not presented with maximum possible accuracy. Once a dispute is received, is required to conduct a reasonable reinvestigation and ensure that the information reported truly reflects the status and history of the account. Additionally, FCRA XXXX ( a ) ( XXXX ) requires furnishers to promptly correct and update information once they become aware that previously reported data is not accurate or complete, while FCRA XXXX ( b ) mandates a full investigation by furnishers upon notice of a dispute from a consumer reporting agency.

Company response to consumer: Closed with non-monetary relief