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

Complaint narrative:
I am filing this complaint because the consumer reporting agency has failed to fulfill its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide a detailed description of the reinvestigation procedures used to verify disputed information when requested by the consumer. I specifically requested the name and contact details of the furnisher, the identity of the individual the agency communicated with, and the documentation relied upon to verify the accuracy of the disputed account. The agency failed to provide this information within the 15-day period mandated by law. This failure to respond constitutes a clear violation of my rights under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I paid the balance of this account after charged off but the creditor refuse to removed this negative account. Account was sold to a debt collector for less money that I paid. reporting act 15 U.S.C 1681 ( 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 2025-08-08 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: CA

Complaint narrative:
b'These accounts arent mine and must be removed within 15 days per USC 1681g.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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:
am writing to formally dispute an alleged late payment reported on my account. This late payment was reported bXXXX XXXX XXXX XXXX XXXX to your agency, ( Experian/TransUnion/XXXX XXXX XXXX 
and I believe that this entry is inaccurate. The payment in question is identified as " late, '' but i do not believe that the creditor has followed the legal requirements to report it as such under the Fair Credit Reporting Act ( FCRA ) and related laws. 
Legal Basis for Dispute : Under 15 U.S. Code 1681a ( 2 ), the term " consumer report does not include reports that solely contain information regarding transactions or experiences between a consumer and the person making the report. As such, any transaction or experience between myself XXXX ) regarding this account should not be included in my consumer credit U.S. Code 1681a ( 2 ) ( A ) ( i ), 1666b, and 1637 ( b ) ), the information reported to the credit bureau is invalid, and there is no basis for it to remain on my credit report. 
Request for Action : I XXXX can not provide the necessary proof of mailing or delivery of the required information, I request that this late payment be deleted from my credit report. Failure to do so will be considered a violation of 15 U.S. Code 1681s-2, which prohibits the reporting of inaccurate or unverifiable information. 
I respectfully request that you take the appropriate action to remove this inaccurate late payment entry from my credit report within XXXX0 calendar days of receiving this notice. 
Late Payments ) in Question : XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> Thank you for your prompt attention to this matter. I look forward to your response and on that the disputed late payment entry has been removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My address is wrong. My address is XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I enrolled in a debt settlement program with XXXX XXXX XXXX on or about XX/XX/year>, and have made regular weekly payments of {$190.00} as agreed. XXXX of the enrolled accounts was my Citibank/Home Depot credit card . I joined their program with the understanding that they would negotiate with my creditors and prevent lawsuits while I was making payments. 

Despite this, I was served with a lawsuit from Citibank ( XXXX XXXX XXXX XXXX XXXX XXXX ) in late XX/XX/year>. I first saw the court papers only days before my deadline to respond, leaving me with almost no time to prepare. At that point, I had to focus entirely on meeting the courts deadline rather than contacting XXXX XXXX XXXX because their program had already failed to protect me from being sued in the first place. 

As a result of their failure to act, I now face legal fees and court deadlines that I was paying them to prevent. I am requesting that the CFPB investigate XXXX XXXX XXXX for failing to fulfill their obligations and causing direct financial and legal harm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
I had been running a credit XXXX XXXX, but the company refunded it to me, and this has happened a couple of times now. According to statement they sent me a {$41.00} refund ( not sure when I actually got it though ) making the account {$0.00}. On XX/XX/XXXX I had XXXX charges from the same place that should have only been XXXX charge total for washing my car myself, XXXX for {$23.00} and the other for {$7.00}. My bank sent an automatic payment of {$10.00} on XX/XX/XXXX which I have set up just so this nonsense does not happen ; it sent XXXX to this account and XXXX to my other account at the same company, leaving both with positive credit balances. This made the balance due on XX/XX/year> {$20.00}. They received another payment of {$10.00} on XX/XX/year>. Despite receiving payment, they charged me a {$20.00} late fee on XX/XX/XXXX for a {$10.00} bill which I paid the late fee plus this amount on XX/XX/year>. I told them the amount charged from the company the preceding month was not correct, but they got me so mad that I don't think they even did anything with it. This is like the XXXX  or XXXX  time I have been charged a late fee for a very small balance, I think XXXX time it was on {$1.00}, and they did not want to take the credit on my other card to apply towards this small balance. They said their system would not let them waive the fee because they had waived it once before when they did the same thing in the past. They refund overpayment and then charge a late fee on small balances. When the late fees exceed the amount owed because they refund money that was overpaid that you did not request them to refund, it is just not right, and it is suspect. How many people are they doing this too? Most won't bother with searching out who to contact in this event or file a complaint about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-08 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:
XX/XX/year> I reviewed a copy of my credit report and discovered a XXXX  XXXX bankruptcy. I went to pacer.gov reviewed the bankruptcy information and saw there was no attorney on file for the bankruptcy. I then went to XXXX requested a copy of my report. After receiving my XXXX report I reviewed my report and the saw the XXXX  XXXX bankruptcy information. However, the difference is the address of the bankruptcy court address and there was an attorney representing this case. 

The entry with Reference # inaccurate. 
filed in XX/XX/year> with this court appears to be Please verify and validate this information with the court and provide me with copies of any documentation associated with this account granting you authorization to report this information, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. I disputed this inaccurate information and there was no mention of an investigation of inaccurate address for the bankruptcy court or inaccurate information attorney reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: FL

Complaint narrative:
XX/XX/year> I reviewed a copy of my credit report and discovered a XXXX  XXXX bankruptcy. I went to pacer.gov reviewed the bankruptcy information and saw there was no attorney on file for the bankruptcy. I then went to XXXX requested a copy of my report. After receiving my XXXX report I reviewed my report and the saw the XXXX  XXXX bankruptcy information. However, the difference is the address of the bankruptcy court address and there was an attorney representing this case. 

The entry with Reference # inaccurate. 
filed in XX/XX/year> with this court appears to be Please verify and validate this information with the court and provide me with copies of any documentation associated with this account granting you authorization to report this information, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. I disputed this inaccurate information and there was no mention of an investigation of inaccurate address for the bankruptcy court or inaccurate information attorney reporting.

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

Complaint narrative:
I am requesting a reinvestigation of every item on my current credit report pursuant to Section 609 of the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). Under this section, you are federally mandated to obtain verification of the accuracy and completeness of all information in my file. If any portion of my credit reportsuch as accounts, judgments, balances, payments, late payments, or account historycannot be verified as 100 % accurate and complete, I am requesting that it be deleted or modified immediately. The disputed items are listed in the attached document.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
We bought a XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX who is from XXXX XXXX New Jersey on XX/XX/XXXX. 

The money was paid at TD Bank and was fully paid off. The bank has acknowledged that there is no outstanding balance. As of XX/XX/XXXX. The car is still undrivable because we still do not have the title. TD Bank is slow, difficult to work with and does not seem to be processing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: FL

Complaint narrative:
They did nothing. I disputed the collection claim stating I do not know where this was coming from. I dont owe XXXX XXXX  to anyone company. They never explained where it came from. They wont take it off my credit 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 2025-08-08 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 was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
This is my second escalation on this same account because XXXX  latest response not only failed to cure the violations I documented, it admitted to them. 

XXXX states the debt is listed in our system under XXXX and was not updated to XXXX, yet claims validation came from XXXX. That is an admission of a knowingly false tradeline. XXXX legally ceased to exist on or about XXXX  XXXX XXXX It can not lawfully be reported as my creditor years later, and no system error excuses an FCRA violation. 

They have produced XXXX proof of : When this debt was assigned, by whom, and under what authority ; That XXXX had legal standing to sell or assign anything after the merger ; That Lumos, or any successor, provided proper consumer notice under FDCPA XXXX ; That chain-of-title was preserved through XXXX  own sale to XXXX. 

XXXX invoices ( XX/XX/year> & XX/XX/year> ) do not establish legal ownership, contractual obligation, or assignment rights. They simply restate a number. Under FCRA 1681e ( b ) and 1681i ( a ) ( 5 ) ( A ), unverifiable and inaccurate tradelines must be deleted not left in the system under a defunct name while another entity validates. 

This is not a merge oversight. This is the continued furnishing of data that : Names the wrong creditor ; Lacks any chain-of-title proof ; Conflicts with public merger records ; and Was verified by an entity that is not the creditor of record in reporting. 

Reports from consumer rights sources show XXXX routinely draws fire for harassment, collection of unverified debts, and breaking FDCPA rules Get Out of XXXX XXXX track record of non-complianceboth in court and in consumer complaintsmakes this matter more than a dispute ; its a systemic failure to abide by federal law. XXXX  conduct in this case is not an isolated incidentit is part of a documented pattern of misconduct. Public records, legal filings, and consumer complaint histories show repeated allegations of : Validating debts they can not substantiate Continuing collection after debts were disputed or discharged in XXXX  Misrepresenting creditor identity and chain-of-title Ignoring federal requirements under the FDCPA and FCRA In past litigation, XXXX  has been sued for attempting to collect debts that were legally uncollectible, including those XXXX in XXXX. Consumer protection agencies and attorneys have cited XXXX repeatedly for failing to provide proper validation, reporting inaccurate information, and engaging in unlawful collection practices. 

This history, combined with their admission in this case that they are reporting a defunct creditors name while using another entitys documents to validate, makes continued reporting indefensible. The CFPB must treat this as a systemic violation, not just a single dispute.

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

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: MA

Complaint narrative:
I sent a billing dispute to Citibank regarding 2 charges ( both on XX/XX/year> ) for the same company, XXXX XXXX XXXX  payment was made in 2 payments to them, one in XX/XX/year> and one in XX/XX/year> XXXX - {$1200.00} XXXX XXXXXXXX - {$850.00} ), for goods and services not as expected. Along with this, I sent over 60 pages of evidence to back up my dispute claim, which included text messages back and forth between myself and XXXX XXXX XXXX, receipts, photos, and I tried to send a video, but they don't accept those. I called the next day and confirmed that all evidence was received and was told it was and that I would hear from someone within 90 days, that it usually takes a while to go through everything. I said that was fine. Yesterday, XX/XX/XXXX ( Not even THIRTY days after I submitted my dispute ), my dispute gets resolved IN THE FAVOR OF THE MERCHANT. On the dispute resolution notice it said " The documentation or facts provided do not support the billing error dispute claim '' 1 ) They never contacted the merchant ( There usually is something that says we are contacting the merchant and will get back to you - there wasn't ) and 2 ) this resolution came BEFORE 30 days, so how could they have gone over everything, discussed it with the merchant and then got back to me? It is my feeling that they did NOT look at any evidence and just decided they wanted to keep the money with citibank. They reversed my conditional credit and will now be collecting further interest on this, as when they reversed it the accrual of interest stopped. I filed an appeal with them and have heard NOTHING. I want this resolved fairly and do not feel this has been done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: KY

Complaint narrative:
I mailed out a check out of my Chime app for XXXX to pay my mortgage on XX/XX/year>. I called Chime support on XX/XX/year> because 10 days have passed and the check was still not cashed. I spoke with a Chime rep named XXXX. She cancel the check and expired the check and the funds would return to my checking account in 1 to 3 business days. It is now XX/XX/XXXX and I still have not receive the funds back. I have called Chime support numerous time. I have several email chains with their support team. Chime claims the check was cashed on the date I mailed it out the app XX/XX/XXXX. And would hang up on me during the call. I have asked for any kind of proof to provide my mortgage company. Chime support does not provide any information like a check number or an image of the check being cashed.

Company response to consumer: Closed with explanation