vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This record is not an accurate reflection of my financial conduct. Please investigate and update my report as needed.

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 2025-11-28 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diverse Funding Associates LLC
State: IL

Complaint narrative:
I submitted a letter for debt validation XX/XX/2025. I have not received any letters from this company or any response at all, and it is still showing on my credit report as well and I also have sent a follow up notice of violation and failure to validate

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 2025-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
Subject : Formal Dispute of Unverified/Inaccurate Credit Account FCRA Violations Furnisher : XXXX XXXX XXXX XXXX ( XXXX ) Account # : XXXX Dear TransUnion Dispute Department : I am formally disputing the above account currently appearing on my TransUnion credit report. The information furnished is unverified, inaccurate, and harmful to my credit standing.

I have never received documentation proving that this account belongs to me including a signed application, contract, or billing statements. Therefore, reporting this account without verification violates multiple sections of the Fair Credit Reporting Act.

Applicable Federal Law FCRA Citations FCRA 602 ( A ) Credit reporting must be accurate and fair to the consumer.

FCRA 609 ( a ) ( 1 ) Consumers have the right to request all information about how an account was verified.

I demand disclosure of the verification method used and all supporting documents.

FCRA 611 ( a ) ( 1 ) ( A ) Once disputed, the Credit Reporting Agency must reinvestigate the account and ensure accuracy.

You must independently investigate not just accept the furnishers response.

FCRA 611 ( a ) ( 5 ) ( A ) If information can not be verified it MUST be deleted.

FCRA 623 ( b ) ( 1 ) ( A ) - ( D ) Furnishers must conduct a reasonable investigation and report accurate data to ALL bureaus.

What I require under FCRA 1 A complete reinvestigation of this account 2 Furnisher must provide documentary proof, including : Signed credit application Signed agreement/contract Billing statements showing my responsibility 3 If proof can not be provided : Immediate deletion of the account from my TransUnion file Removal of all derogatory remarks 4 Written confirmation of the investigation results 5 A copy of my corrected report Thank you for your immediate attention to this legal matter. 

Sincerely, 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 2025-11-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Adjustment Service, Inc.
State: MA

Complaint narrative:
I moved out of our home and the final electric bill was not forwarded so it went to collections. I had been speaking to the electric company to get it resolved, this was less than two weeks ago. Today ; my sister said someone called her from this number and asked for me, and the. when she said she wasnt here they harassed her and asked her to just give them my number. did not identify themselves. I have no idea where they could have gotten my sisters number bc she has no association with the account.. When i called to tell to the company, she laughed at me, was rude and said they removed my sisters number from the account but would not tell me any other numbers on there or where they got the number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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:
I have no ties whatsoever to these accounts ; please delete them within XXXX  days under USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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 writing to express my ongoing concern regarding the unresolved disputed accounts appearing on my credit report. Despite submitting multiple requests and highlighting the inaccuracies in these accounts, no resolution or corrective action has been taken to date. These inaccurate entries are severely impacting my credit standing and creating significant challenges in my daily life. The continued presence of these errors has caused undue hardship, and I am now urging your immediate assistance in resolving this matter. I respectfully request a full and thorough investigation into each disputed account, and that appropriate steps be taken to correct and update my credit report without further delay. 
Accurate reporting is essential to restoring my financial stability, and I sincerely hope you will treat this issue as a priority. Your prompt attention and cooperation in resolving these discrepancies would be greatly appreciated. Thank you for your time and support.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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 have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has failed to properly investigate my disputes and continues reporting an invalid XXXX XXXX debt ( {$280.00} ) that : ( XXXX ) was NEVER BILLED to me- XXXX sent it directly to collections without ever invoicing me, ( XXXX ) stems from a chargeback that XXXX XXXX  APPROVED in my favor on XX/XX/XXXX, ( XXXX ) could NOT be validated by XXXX 's own collection agency ( XXXX XXXX ), who returned it unsubstantiated ( CFPB Case # XXXX ), and ( XXXX ) XXXX STILL can not validate despite promising in XX/XX/XXXX to " mail out validation '' - never received. 

I have disputed this account XXXX  through Experian 's online portal. Both times Experian closed the dispute WITHOUT notifying me of the results - I only discovered closure by logging in and seeing the dispute button available again. The tradeline shows NO " disputed by consumer '' notation despite XXXX formal disputes. XXXX updated this tradeline on XX/XX/XXXX, actively re-furnishing disputed, unvalidated information. 

I have XXXX XXXX billing statements - NONE show this amount rebilled after the XX/XX/XXXX chargeback. This debt was never properly invoiced yet continues damaging my credit until XX/XX/XXXX. 

This is my XXXX CFPB complaint regarding this invalid debt ( prior cases : # 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 2025-11-28 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: FL

Complaint narrative:
I kindly request your prompt review of these accounts, which I did not open or approve. They appear to be fraudulent, and I have enclosed supporting evidence.

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 2025-11-28 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: MO

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 2025-11-28 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: MO

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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: IL

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I went to an ATM located XXXX XXXX XXXX CA. In XXXX XXXX XXXX, XXXX XXXX, CA XXXX I made a deposit of {$85.00} dollars at this ATM THURDAY XXXX XXXX AT XXXX When i deposited the ATM machine ate my money and my card and the money wasn't counted for in my account and no information of my deposit was posted on my bank account.

I waited about 10 minutes and the ATM machine then spit out my card by miracle, however i CONFIRM the ATM did however take eat my money and didnt count it on XXXX XXXX account as if i never made a deposit.

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 monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
The number of complaints at XXXX XXXX XXXXXXXX is astounding. Affirm.com should be investigated. Hopefully, I don't have any further charges from this company, but I'm concerned. I've removed all my payment options, but my experience providing payment was very frustrating. Multiple times I provided accepted payments, later to be denied. Hopefully, today 's accepted payment message will be the end of my tenure with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: NC

Complaint narrative:
Dear Sir/Madam, I am writing to file a dispute regarding several items on my credit report. Below, I have separated the disputed items by credit bureau Equifax, Please investigate these accounts for inaccuracies, discrepancies, and errors as listed below.

Charged Off Accounts : XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$6400.00} XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$1500.00} XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$2700.00} Inquiries : XXXX XXXX Date Open : XX/XX/XXXX XXXX  Date Open : XX/XX/XXXX Late Payments : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: GA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal 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 2025-11-28 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: GA

Complaint narrative:
I am writing to file a dispute regarding multiple accounts on my credit reports that I believe contain inaccurate information. Please see the details below for each of the credit bureaus involved : Charged Off Accounts XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX Late Payments XXXXXXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : 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 2025-11-28 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 writing to express my ongoing concern regarding the unresolved disputed accounts appearing on my credit report. Despite submitting multiple requests and highlighting the inaccuracies in these accounts, no resolution or corrective action has been taken to date. These inaccurate entries are severely impacting my credit standing and creating significant challenges in my daily life. The continued presence of these errors has caused undue hardship, and I am now urging your immediate assistance in resolving this matter. I respectfully request a full and thorough investigation into each disputed account, and that appropriate steps be taken to correct and update my credit report without further delay.

Accurate reporting is essential to restoring my financial stability, and I sincerely hope you will treat this issue as a priority. Your prompt attention and cooperation in resolving these discrepancies would be greatly appreciated. Thank you for your time and support.

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 2025-11-28 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: GA

Complaint narrative:
I am submitting this complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) because my personal information was compromised in the Equifax data breach. As a result, fraudulent accounts and hard inquiries are now appearing on my credit report.

These include, but are not limited to : Personal credit card ( s ) auto loan ( s ) Personal loan account ( s ) One or more collection accounts and multiple hard inquiries I did not authorize I did not open or authorize any of these accounts or inquiries. I have attached my FTC Identity Theft Report as proof.

I am requesting that all fraudulent accounts, collections, and inquiries related to the Equifax data breach be permanently removed from my credit file within 4 business days in accordance with FCRA 605B

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: TX

Complaint narrative:
I believe it was on the XXXX of XXXX. I had {$500.00} in my account and went to put gas in my car and checked my account to see if my money was there and my account was hacked and all my money was stolen. I contacted Chime and they said they investigated it and because it was done through XXXX  they refused to reimburse my money back. In XXXX the same thing happened and they took {$400.00} and Chime did the exact same thing. Said that because it was done through XXXX  they refused to refund my money. Chime customer service was rude and didn't listen to anything I told them about what happened and denied that as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating my privacy.

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