vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 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: OK

Complaint narrative:
I am filing this complaint because I noticed some accounts listed on my credit report are inaccurately reporting a late payment that I believe is erroneous or unverifiable. Under * * 15 U.S. Code 1666b * *, billing statements must allow adequate time before reporting a missed payment.

Additionally, under * * 15 U.S. Code 1681e ( b ) * * of the FCRA, credit reporting agencies and furnishers are required to report only complete and accurate information. 
Details : Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX were all on time. 

Account Name XXXX XXXX XXXX Account Number : XXXX  Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXXXXXX XXXXXX/XX/XXXX were all on time. 

Account Name : XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from the entire account history were all on time. 
I previously contacted the furnisher but have not received satisfactory verification or correction of this inaccurate information. This reporting is harming my credit profile and was not properly validated or corrected as required under the FCRA. 
I am requesting : 1. A formal investigation into the reported late payment 2. Documentation validating its accuracy 3. Removal or correction if the furnisher can not prove the payment was late Thank you for your assistance in ensuring the accuracy and fairness of consumer reporting.

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Caribou Financial, Inc.
State: PA

Complaint narrative:
On XX/XX/year>, I was shown a refinance offer through XXXX XXXX for my existing auto loan. The listing clearly stated I was already approved for a refinance offer from Caribou at 4.96 % APR for an 84-month term, with a monthly payment of {$380.00} and a loan amount of {$27000.00}. Based on this information, I proceeded with Caribous process, expecting that the listed terms were accurate and honored, since the language indicated pre-approval and matched my vehicle and loan details. 

After completing Caribous application processincluding a soft credit pullI was shown actual offers ranging from 6.02 % to 6.64 % APR, which is significantly higher than what was advertised. I contacted Caribou to ask why the 4.96 % approved offer was not being honored, and they gave a vague response referring to estimates despite the XXXX XXXX listing clearly stating I was already approved. 

This situation feels like a bait-and-switch tactic designed to lure in consumers with favorable terms that do not exist. I believe this is false advertising and a deceptive practice. I am asking the CFPB to review this case and ensure appropriate steps are taken to prevent this kind of misrepresentation. 

Screenshots are available to document the original offer and the actual rates presented.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: NE

Complaint narrative:
I am a XXXXXXXX XXXX and XXXX XXXX On XX/XX/year>, my VA XXXX compensation was stolen from my Chime account. I immediately filed a fraud dispute and submitted a police report. Despite this, Chime denied my initial claim without proper investigation and failed to provide any documentation until I repeatedly followed up. 

Chime ultimately reversed their decision, but only after multiple calls and escalations on my part. Even then, I was given no explanation for the reversal, and their communication throughout was evasive, inconsistent, and legally insufficient. 

Why Im Filing This Complaint : Chime violated the Electronic Fund Transfer Act ( Regulation E ) by : Denying my first dispute without conducting a complete investigation Failing to provide timely or clear written results of the denial Refusing to issue provisional credit within the required timeframe Withholding my federally protected VA funds for nearly XXXX months Refusing to acknowledge their errors or provide compensation, even after admitting mishandling. ( Acknowledgment from chime the of therecorded call where a representative said : We dont offer compensation, regardless of harm. ) These actions caused me significant hardship, including missed bills, emotional distress, and time lost trying to resolve what should have been handled correctly from the start. 

Timeline of Events : April 2627, 2025 : Fraud occurred ; I reported it and filed a dispute XX/XX/year> : Chime denied my claim without documentation XX/XX/year> : I filed my first CFPB complaint XX/XX/XXXX, XXXX AM : I called Chime for dispute results no documents were sent. Told I would receive within XXXX minutes. 
XX/XX/XXXX, XXXX AM : I was told it would take 10 days nothing received XX/XX/XXXX : I called again still no results. 
XX/XX/XXXX : Chimes dispute team was unaware of an active case and said documents would be re-sent XX/XX/XXXX : I received a vague settled summary, offering no clear explanation XX/XX/XXXX : I called again ; a rep stated documents would be sent and reaffirmed that Chime does not offer compensation, despite acknowledging previous mishandling. 

Additional Legal Concerns : Negligent Investigation : Chime failed to follow required procedures under federal law and only responded after repeated pressure. 
Consequential Damages : Their mishandling left me unable to purchase necessities, cover bills, or access essential funds. 
Loss of XXXX of Funds : This was my only income VA XXXX benefits. Withholding these funds for weeks caused severe hardship. 

This complaint is not just about a refund which I eventually received but about the severe and preventable harm Chime caused through delay, denial, and refusal to acknowledge responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$13.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: GA

Complaint narrative:
I submitted formal written disputes to Experian, Equifax, and TransUnion via certified mail on [ insert date you mail the letters ] regarding inaccurate and/or unverifiable accounts and inquiries on my credit report. 
Despite citing clear violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), including : * 15 U.S.C. 1681b No permissible purpose for certain inquiries * 15 U.S.C. 1692g Lack of debt validation by debt collectors * 15 U.S.C. 1681s-2 Failure to report accurate and verifiable information * 15 U.S.C. 1681c-2 Failure to block fraudulent/inaccurate items upon notice these credit bureaus continue to report negative and inaccurate items on my report. This includes : TransUnion * XXXX XXXX XXXX {$4000.00} * XXXX  XXXX {$540.00} ( XXXX late payments ) * XXXX unauthorized hard inquiries from XXXX XXXX Equifax * XXXX XXXX {$1400.00} ( no contractual agreement; invalid debt ) * XXXX  XXXX {$540.00} Experian * XXXX XXXX XXXX {$4000.00} * XXXX  XXXX {$540.00} XXXX formally requested verification of these accounts. If they can not be 100 % verified with documentation from the original creditor, they must be removed. I also cited relevant case law ( e.g., Cushman v. TransUnion ) that confirms the bureaus duty to conduct meaningful investigations.

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 2025-06-20 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 submitted formal written disputes to Experian, Equifax, and TransUnion via certified mail on [ insert date you mail the letters ] regarding inaccurate and/or unverifiable accounts and inquiries on my credit report. 
Despite citing clear violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), including : * 15 U.S.C. 1681b No permissible purpose for certain inquiries * 15 U.S.C. 1692g Lack of debt validation by debt collectors * 15 U.S.C. 1681s-2 Failure to report accurate and verifiable information * 15 U.S.C. 1681c-2 Failure to block fraudulent/inaccurate items upon notice these credit bureaus continue to report negative and inaccurate items on my report. This includes : TransUnion * XXXX XXXX XXXX {$4000.00} * XXXX  XXXX {$540.00} ( XXXX late payments ) * XXXX unauthorized hard inquiries from XXXX XXXX Equifax * XXXX XXXX {$1400.00} ( no contractual agreement; invalid debt ) * XXXX  XXXX {$540.00} Experian * XXXX XXXX XXXX {$4000.00} * XXXX  XXXX {$540.00} XXXX formally requested verification of these accounts. If they can not be 100 % verified with documentation from the original creditor, they must be removed. I also cited relevant case law ( e.g., Cushman v. TransUnion ) that confirms the bureaus duty to conduct meaningful investigations.

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 2025-06-20 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: OH

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Opportunity Financial, LLC
State: RI

Complaint narrative:
So i was checking my credit report since im trying to purchase a box truck with funding and they informed me of this opploans company its a debt collection I never applied for this I contacted them but they said they dont have my information there so Im taking it as a fraud because they cant even help find me in the system and it needs to be removed from my account as this is identity theft I never applied for this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: CA

Complaint narrative:
This is an account that's negatively affecting my credit score b/c there's a balance but that is not my account. It is listed under XXXX XXXX XXXX, but I called both and they said it's not there. I have other accounts with both of them in good standing and this account doesn't show up in the online interface at all. I'm worried this is identity theft, and it's negatively affecting my credit score and I can't even access the account. I also called XXXX XXXX, which is another account that I've had problems with and they confirmed that my account is officially closed with {$0.00} balance, also attaching screenshots. I'm not sure where this account is, but I filed a dispute with Transunion and they said that the creditor said the account is legitimate. But none of the creditors listed or are adjacent to them have claimed this is connected to my SSN. This is so unreasonable. 

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 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

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 2025-06-20 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: NJ

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: OH

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: WI

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX, Date of Birth : XX/XX/year>. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : 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 {$8900.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: NM

Complaint narrative:
I then sent them a years worth of my bank statements showing where each month the mortgage payment was taken out of my account by their company. Each time I call I explain that no payment was missed or even late, but there is no one that can do anything. 
The notice was a default of over {$9000.00} dollars a foreclosure attempt. 

I did get our Attorney General involved six months back, and he did seem to quiet down the constant harassments, calls, mail, door hangers etc. But, now they are back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-20 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Phone : XXXX Email : XXXX Date : XX/XX/year> To : REGIONAL FIN [ Insert their mailing address here if you have it ] Subject : Request to Close Account and Cease Reporting Account Number [ Insert Account Number ] Dear XXXX XXXX, I am writing to formally request the closure of my account with your institution. The account has recently been reported as 60 days late, and the balance has increased, as reflected on my credit report. Due to financial hardship and my desire to take control of my credit profile and finances, I am choosing to close this account. 

Please take the following actions : 1. Immediately close this account and update the status to Closed by Consumer with all credit bureaus.

2. Cease all further reporting of this account as delinquent to the credit reporting agencies.

3. If possible, I respectfully request that you consider removing any negative payment history as a gesture of goodwill. I understand that consistent late payments were reported, but I am working diligently to resolve my debts and improve my credit responsibly.

4. Send me a written confirmation once the account is officially closed and updated accordingly with the credit bureaus.

Thank you for your attention to this matter. I appreciate your time and consideration in helping me move forward. 

Sincerely, XXXX XXXX [ XXXX XXXX of XXXX : XXXX ]

Company response to consumer: Closed with non-monetary relief