vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 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: TX

Complaint narrative:
I am submitting this complaint because multiple data furnishers continue to report late payments on my credit report without providing verifiable documentation, despite multiple disputes with the credit reporting agencies. 

I am not disputing that payments were due. I am disputing the accuracy, consistency, and verification process used to continue reporting these delinquencies. 

I have completed multiple dispute rounds with Experian, TransUnion, and Equifax regarding all accounts listed below. Each credit reporting agency responded with verified, without providing documentation or an explanation of how the information was validated. 

The following accounts continue to report late payments without proper verification : XXXX XXXX account number # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting late payments in XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX XXXX reporting late payments inconsistently across bureaus ( XX/XX/XXXX reported by Equifax and XX/XX/XXXX reported by Experian and TransUnion ). 
XXXX XXXXXXXX XXXX XXXX reporting a late payment in XX/XX/XXXX without providing billing statements, prior cycle statements, proof of notice of payment due, Date of First Delinquency, or evidence of a reasonable and manual investigation. 

Despite my disputes, none of the furnishers listed above have provided billing statements for the alleged delinquent cycles, prior cycle statements, proof of notice of payment due, Date of First Delinquency, or documentation demonstrating compliance with a reasonable investigation. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 607 ( b ), 611 ( a ), and 623 ( b ), furnishers are required to ensure maximum possible accuracy and to conduct a reasonable investigation when disputes are received. Repeated automated verification without supporting documentation does not meet this legal standard. 

I am requesting CFPB assistance to require the furnishers listed above to either provide complete documentation supporting the reported late payments or to cease reporting the delinquencies and notify all credit reporting agencies to remove the inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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 am writing to dispute several entries on my credit report as they do not accurately reflect my credit history. The following accounts are being disputed due to their inaccurate reporting and discrepancies with the Fair Credit Reporting Act ( FCRA ). Please investigate and correct these items promptly. 

CHARGED OFF XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$180.00} XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$390.00} XXXX  Account Number : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$410.00} XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$650.00} XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$570.00} XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$570.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: FL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX XXXX BANK XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Harris & Harris, Ltd.
State: GA

Complaint narrative:
They believe I owe XXXX XXXX {$780.00}. Since then last month XXXX XXXX 2025 they sent my account to collection. the collection company haven't stopped sending me messages and calling me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Revolut Technologies Inc.
State: NY

Complaint narrative:
I created an account with Revolut in XXXX. The account was created just fine, however it was then promptly locked and I have been given no indication as to why. A vague verification and is all they have said. Nothing specific. They tell me that they will follow-up but give me no timeline. It has now been XXXX weeks. Essentailly, Revolut is in a position where they can hold onto my money to float their business, indifinitely, and I have no recourse to get it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: IL

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 2025-12-23 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: OH

Complaint narrative:
I am disputing the accuracy of the following accounts under the charged-off and inquiries sections. These accounts either contain incorrect balances or should not be reported. Please verify and correct these entries. 

Charged Off 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

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 2025-12-23 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I received a XXXXXXXX XXXX  XXXX credit card in the mail from Wells Fargo in early XXXX, 2025. I never requested this card, nor took any action which would have caused it to be generated. This is the second time that Wells Fargo has opened a card in my name without my knowledge or consent. 

I have never done business with Wells Fargo ( and never will ). They apparently acquired another bank where I had once had a credit card. I suspect they have used my personal financial information from that acquisition to generate these new lines of credit. 

I contacted Wells Fargo to report the fraud. Thy informed me that the Fraud Department was not available to speak with me, but that they would close the account for me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: OH

Complaint narrative:
I started looking at my actual statements in XXXX a few things I had a subscription for and canceled them. Then I kept on seeing a casino gambling site going back a few months before this it started so when I called chime the total charges between a few online gambling sites have been taking money a total amount of XXXX dollars. I have been with chime for over XXXX years. Never had an issue get direct deposit with them income taxes go in every year. So when I called we started the dispute because I filled my own online with them but after I looked and saw how many more unauthorized charges there were than the XXXX I disputed I immediately called chime and they started another dispute on XX/XX/XXXX they approved XXXX charges from XXXX unauthorized I was refunded my money but then they denied the rest of my charges from the exact merchant they just said was not authorized so how can that be so I called them and asked that it be re opened by the regulation E team for review again it was denied and I even asked and had them re opened because it was obviously a error on their end and it was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NV

Complaint narrative:
Limited and then Closed my account without proper cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: MI

Complaint narrative:
I contacted XXXX and told them i was cancelling service due to unhappiness with the service. multiple disconnections, interuptions and poor service and poor servoice provideing. I contacted XXXX and had new service installed XX/XX/year>. XXXX kept charging and did not cancel service. I recieved reques for past due services and I sent out a formal letter and tried calling them. I was sent to Harris and Harris with out any corispondance, phone call or notice that they were going to do this. and this has dropped my credit score tremendously. its unnacceptable the practices they have done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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 2025-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I.C. SYSTEM, INC is falsely reporting on my credit. I have never had any accounts with them. Per my research I.C. SYSTEM, INC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-12-23 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: TX

Complaint narrative:
The personal information on my credit report were outdated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: LA

Complaint narrative:
Experian and Equifax refused to remove my negatives and inquiries I informed them that do to scam and fraud im opted out of my secondary such as XXXX XXXX XXXX all off them are opted out do to the fair credit report act I need those removed thanks all of them removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX XXXX -VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court ( XXXX XXXX XXXX ) that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: IN

Complaint narrative:
I am disputing the accuracy of the following accounts listed under the charged-off section. These accounts contain incorrect information regarding balances or statuses. Please review and correct these entries. 

Charged Off Accounts : XXXXXXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$490.00} Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPTED/XXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTED/XXXX XXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTED/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 2025-12-23 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rozlin Financial Group, Inc.
State: VA

Complaint narrative:
I am disputing inaccurate and unfair debt collection and credit reporting related to a lease break balance that was never properly communicated and was inaccessible due to a shut-down resident portal. 

I first disputed the charges on XX/XX/XXXX, providing all requested documentation. At that time, the balance was {$1300.00}, which included move-out fees I had never received a bill for. On XX/XX/XXXX, I was told to set up a payment plan for this balance and was sent a move-out bill for the first time from collections that the landlord never informed the tenants of. After further communication, the move-out fees were removed on XX/XX/XXXX, confirming those charges were improper, leaving a remaining balance of {$780.00}. 

The remaining lease break balance was only accessible through an online portal that was shut down approximately XXXX month after move-out without notice or alternative payment options. The only information collections provided me with was that it closes when you move out. Which is inaccurate and the tenants were unaware as it was their responsibility after being put on a payment plan only accessible in the portal to keep it going in Good Faith. While the portal was active, I made my first payment on time. After shutdown, I received no billing statements, no notice of a balance due, and no warning the account would be sent to collections. 

I was told in writing by collections in XXXX that I could set up a payment plan by XX/XX/XXXX before any negative credit reporting. On XX/XX/XXXX, I was given a conflicting deadline of XX/XX/XXXX, which was later corrected back to XX/XX/XXXX after I contacted them. I disputed again on XX/XX/XXXX, followed up on XX/XX/XXXX, and was told during a documented call on XX/XX/XXXX that credit reporting was paused while documentation was reviewed. 

Despite incomplete validation, I was later given yet another written reporting deadline on XX/XX/XXXX stating the account would not be reported if I set up a payment plan of $ XXXX by XX/XX/XXXX. Yet on XX/XX/XXXX, there are statements reporting negative credit. 

These shifting reporting deadlines, lack of notice, and incomplete validation make the reporting inaccurate and misleading. I am requesting removal of the collection from my credit report and cessation of inaccurate 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