vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
What happened is that Experian is reporting two charge-offs that are inaccurate and should not remain on my credit file. The first is a XXXX XXXX account, number XXXXXXXX XXXX XXXX XXXX XXXX, listed as charged off on XX/XX/XXXX, with a balance of {$5500.00}. The second is a XXXX XXXX XXXX account, number XXXX XXXX XXXX XXXX XXXX, reported as charged off on XX/XX/XXXX, with a balance of {$2700.00}. I have disputed these items with Experian, yet they continue to appear on my file without being corrected or properly substantiated. 

Experian has an obligation under federal law to ensure that the information it reports is accurate and can be verified with complete documentation. By continuing to report these charge-offs, Experian is publishing information that is misleading and harmful. There has been no evidence produced that would establish the accuracy of these accounts, yet the bureau persists in keeping them on my record. This is not a meaningful investigation as required by law, but instead a recycling of outdated and unverified information that creates a distorted view of my credit history. 

The damage caused by these reporting errors is extensive. A pair of charge-offs totaling over XXXX XXXX XXXX  represents a major derogatory entry that unfairly destroys my creditworthiness. This affects my ability to qualify for loans, obtain reasonable interest rates, and even pursue financial opportunities where a clean credit report is essential. Beyond the practical consequences, there is the constant stress and frustration of seeing these accounts remain despite my efforts to address them in good faith. It leaves me feeling that Experian is not respecting its legal responsibilities or the rights of the consumer.

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 2025-08-27 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 in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefited from it. Know that the transactions on this account and its respective charges are all fraudulent. I never benefited from any of them, but rather it did a lot of damage to me. I require you to take action immediately to prevent further harm and fraud to my personal information so, remove all these fraudulent transactions and account from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: CA

Complaint narrative:
I am disputing the accuracy of a collection account reported by XXXX XXXX XXXX XXXX XXXX for {$3100.00}, original creditor XXXX XXXXXXXX XXXX 
This account is being inaccurately reported as Opened XX/XX/XXXX, making it appear newer than it actually is. I moved out of the apartment in XX/XX/XXXX, and I have written proof from the property manager dated XX/XX/XXXX, referencing my move-out and belongings left behind. This shows that the true Date of First Delinquency ( DOFD ) is XXXX, not XXXX. 
Under the Fair Credit Reporting Act ( FCRA ), a collection account must fall off 7 years from the original delinquency date. By re-aging this account to XXXX, XXXX XXXX is extending the time it will remain on my credit report beyond what is legally allowed. This is a direct violation of FCRA 605 ( c ). 
Additionally, the credit reporting remarks on this account are inconsistent. XXXX XXXX shows a balance of {$3100.00}, but the reporting history from XXXX XXXX has also reflected other figures. This inconsistency further demonstrates inaccurate reporting. 
Requested Resolution : Correct the Date of First Delinquency to XXXX, based on the move-out documentation. 
Ensure this account is scheduled to be removed from my credit reports no later than XXXX ( 7 years from XXXX ). 
Remove any inaccurate or re-aged reporting related to this account. 
I have attached : A copy of my credit report showing the account opened in XXXX for {$3100.00}. 
An email from XXXX XXXX dated XX/XX/XXXX, confirming my move-out date

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 2025-08-27 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: AR

Complaint narrative:
Im seeking your assistance to closely examine accounts from certain companies that are inaccurately reporting me as late. After reviewing my credit report, I found that these accounts have erroneous late payment notations, which should not exist. Please remove those remarks and adjust the account to reflect the accurately agreed positive status. Additionally, XXXX account is incorrectly labeled delinquentit needs to be disputed and updated to show XXXX late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: TX

Complaint narrative:
I am extremely frustrated to see that the inaccurate late payments are still appearing on my credit report today, and I can not understand why this issue hasnt been fixed. Even after refreshing, nothing changed. I urgently need the documents I submitted to be reviewed properly so that I can finally have peace of mind.

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 2025-08-27 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: TX

Complaint narrative:
I am extremely frustrated to see that the inaccurate late payments are still appearing on my credit report today, and I can not understand why this issue hasnt been fixed. Even after refreshing, nothing changed. I urgently need the documents I submitted to be reviewed properly so that I can finally have peace of mind.

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 2025-08-27 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: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy of information on my credit report maintained by your agency, as per the provisions of 15 USC 1681b. Specifically, I believe you have disclosed my personal information without my written consent.

According to 15 USC 1681b, consumer reporting agencies like yours are mandated to obtain written consent from individuals before disclosing or obtaining their credit information. I assert that I have not provided such consent to your agency or any affiliated parties for the disclosure or retrieval of my personal credit information.

This specifically concerns a charge-off account reported under Account Number : XXXX ( XXXX XXXX ), which I do not recognize and do not recall authorizing. 

Additionally, I am disputing the following negative and derogatory information : XXXX XXXX marked XXXX  days late, balance {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX  days late, balance {$62000.00} XXXX XXXX XXXX XXXX XXXX late payments Stellantis Auto Loan account showing dispute resolved, still marked derogatory XXXX Auto account showing XXXX late history Collection : Credit Coll/ The General Insurance balance {$110.00} , reported as derogatory collection account In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I request a prompt investigation into this matter. I kindly request a written response detailing the following : 1. Verification of the consent you claim to have obtained from me regarding the furnishing or obtaining of my credit information.

2. The specific sources from which you obtained my information, including the dates and nature of such disclosures.

3. Any and all documentation related to the alleged consent, including copies of any signed agreements or forms.

Furthermore, I request that you cease any further reporting or disclosure of my personal information until this matter is fully investigated and resolved in accordance with the FCRA.

.Please consider this letter as a formal dispute under 15 USC 1681i. I kindly request a written response within 30 days as stipulated by law. If you are unable to verify my consent as requested, I expect that the inaccurate information will be promptly corrected or removed from my credit report. 

Thank you for your immediate attention to this matter. I eagerly await your prompt response and resolution of this dispute..

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 2025-08-27 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED 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 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 2025-08-27 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-27 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: TN

Complaint narrative:
Report have a lot of inaccuracies and need to be removed forever.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED 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 2025-08-27 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: TX

Complaint narrative:
I am disputing an inaccurate late payment reported by XXXX to Equifax Information Service LLC on my Installment sales contract, account XXXX for the XX/XX/XXXX. This report is incorrect and has negatively impacted my credit score. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i & 1681s-2 ), credit bureaus and furnishers are required to ensure accuracy and conduct a reasonable investigation of disputed information. Despite my formal dispute, the inaccurate late payment remains on my credit report. Additionally, case law such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX ) confirms that furnishers must thoroughly investigate disputes and can not continue reporting misleading information. This failure violates the FCRA, TILA, and UDAAP regulations. I have made multiple attempts to resolve this matter, but no corrective action has been taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am filing this complaint against Experian, Equifax, and TransUnion for failure to comply with the Fair Credit Reporting Act ( FCRA ) regarding my repeated disputes and requests for proper reinvestigation. 

On XX/XX/year>, I submitted a request under 15 U.S.C. 1681i ( 7 ) for a full description of the reinvestigation procedures used to verify disputed items on my credit report. I specifically requested the names, addresses, and telephone numbers of all furnishers contacted, the documentation relied upon, and the identity of the person who verified the information. To date, none of the bureaus have provided a legally sufficient response. 

Disputed Items Remaining Unresolved : Incorrect personal information ( previous addresses : XXXX XXXX XXXX XXXX XXXX MI XXXX and XXXX XXXX XXXX, XXXX MI XXXX ) Incorrect employer information ( Beauty Affair, Nouveau Enchantment ) Late payment reporting on the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The bureaus have failed to provide : The name and contact details of the original creditors. 

The documentation relied upon to verify the disputed accounts. 

The procedures used to ensure maximum possible accuracy. 

These failures constitute violations of : 15 U.S.C. 1681i ( a ), for failure to conduct a reasonable reinvestigation.

15 U.S.C. 1681i ( a ) ( 7 ), for failure to provide the method of verification.

15 U.S.C. 1681e ( b ), for failure to follow procedures ensuring maximum possible accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I accidentally made a reservation for a fifth room. The email confirmation was sent to an old, abandoned email address that I never thought to check. I found out about it last minute but I still had enough time to cancel it without any consequence. XXXX had no means to contact them. The reservation # given to me by the hotel was not recognized by their search engine and to call them required a pin number from the reservation confirmation email that I did not have. When I did find the email later, there wasn't a pin number anywhere on it, anyway. ( See copy attached ) I called XXXX XXXX XXXX  company many times for help to contact XXXX and was told they couldn't do anything until the pending charge actually posted. It was left pending for about 5 to 7 days and posted to my account 3 days after the cancellation period ended. By refusing to help me get in contact with XXXX and allowing same to keep a charge pending for an extraordinary long time, in order to prevent me of cancelling the reservation, XXXXXXXX XXXX  company is complicit. It should be illegal for XXXX corporations to work together like this. In my case, they got an extra {$1800.00} for nothing. XXXX XXXX XXXX company must have XXXX  of charges from XXXX in a day. They could have helped me by finding a contact phone number that would allow me to speak to a human or contacted XXXX to find out why they were keeping the charge pending and not completing the transaction in timely fashion. Please help me. 
XXXX  For reference, your XXXX  ID is XXXX. To view, cancel, or modify your booking, use our easy self service. The 2nd attachmennt is a screenshot showing the charge as pending, that I took about two days after it appeared as pending. The booking was actually made XX/XX/XXXX using an option of deferring the billing until XX/XX/XXXX. Then the charge was held as pending until after the cancellation period passed. Not a fair practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: NC

Complaint narrative:
XX/XX/XXXX We vacated the apartment. Shortly after, we received a final statement showing a balance of {$780.00}, which the property claimed was due to damages and cleaning fees. The totals provided did not accurately reflect the alleged damages. 

XX/XX/XXXX I emailed the property management to formally dispute the charges, outlining specific reasons for my dispute. I was informed the email would be forwarded to the corporate office. That same day, the property XXXX responded, declining to reverse the charges and stating we could contact her directly. When we attempted to do so, she refused to speak with us. We do not believe our dispute was forwarded to corporate, as we later reached out several times and received no response. 

XX/XX/XXXX We received an email from someone connected to the apartments account team asking us to make payment arrangements. On the same day, we again formally disputed the charges via email, requesting receipts within 710 days showing proof of the alleged expenses. We also provided personal phone numbers and offered to set up a time to discuss. No response was received. 

XX/XX/XXXX We received a debt collection letter from IQ Data, attempting to collect the balance. The letter stated we had the right to dispute the debt in writing by XX/XX/XXXX, and that collections must stop until validation of the debt was provided. 

XX/XX/XXXX We sent a certified dispute letter to XXXX XXXX, including copies of our prior email communications with the property XXXX ( XXXX ) showing our earlier attempts to dispute. 

XX/XX/XXXX XXXX tracking confirmed that our certified letter was received and signed for by XXXX XXXX at IQ Data. 

Despite this, no validation of the debt was ever provided by IQ Data or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: LA

Complaint narrative:
I have previously disputed Experian and Equifax and regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MI

Complaint narrative:
On XX/XX/year> I called regarding a dispute and was also notified that my account was closing on XX/XX/year> this was little to no notice when I asked for an explanation I was transferred to multiple different people in a few different departments and still nobody could give me an explanation of why my account was closing. I still have not received my funds for my ongoing dispute. 

On XX/XX/year> I was made aware of a Social Security payment that should have been deposited into my account as of XX/XX/XXXX. I called today regarding this matter and was not able to have any information told to me because my account is closed. The representative told me to call Social Security as they had no record of the deposit but the Social Security office confirmed that the deposit was processed on XXXX XXXX this would make the total amount of money missing on Chimes behalf {$1200.00}.

Company response to consumer: Closed with monetary relief