vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-07 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: GA

Complaint narrative:
Equifax is reporting inaccurate and contradictory information in violation of FCRA 607 ( b ) and 611 ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ) ( A ) ) : Status conflict : Paid charge off vs Unpaid balance reported as a loss by credit grantor while showing Balance : {$0.00} and Payment Status : CollectionOrChargeOff. 
Dates conflict with other CRAs ( Date of Last Payment/Activity appears as XXXX on your file while another bureau shows XXXX ). 
High Credit/Original Amount illogical for Installment ( {$0.00} on your file ; another CRA shows {$82.00} ). 
Account Type/Detail mismatch ( Installment with DepositRelated/Other/Open elements ). 
Terms show No. of Months ( terms ) : XXXX. 
XXXX shows Was XXXX  days late XXXX time ( XXXX ), indicating re-aging beyond any true CO month. 
All late months are disputed ( every XXXX code ). 
Under XXXX, you must perform an independent reinvestigation. Codes are not proof. 
Produce running statements/ledger for each alleged late ( due date, receipt, posting ). If you can not verify to that standard, delete the derogatory data or the entire tradeline per 1681i ( a ) ( 5 ) ( A ). 
XXXX XXXX fixes ( if retained ) : Correct Account Status/Special Comment ( paid CO if accurate ), Balance/Past Due = {$0.00}, Original Loan Amount/High Credit ( non-zero for installment or correct portfolio/type ), Terms, Date of Last Payment, XXXX, Payment Rating/PHP ( no XXXX CO advancing ), and apply CCC = XB during reinvestigation. Reg V 1022.42 requires accuracy/integrity of data supplied by the furnisher.

Failure CFPB/FTC/AG complaints and litigation under 15 U.S.C. 616617

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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 have never been provided any proof of debt validation, I have disputed continuously to no availability. I finally paid and agreed for a paid to delete and it still remains on my report. 

Account : XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) I have already settled my financial obligation to this account and is still reporting a balance hindering me please delete Account : 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 2025-10-07 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 Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: TN

Complaint narrative:
I am disputing the XXXX XXXX account shown with a XXXX late payment on my TransUnion report. This same account reports no late history with Experian and Equifax. That inconsistency proves your data is factually inaccurate and incomplete under FCRA 607 ( b ).

Under FCRA 611 ( a ) ( 1 ) ( A ) and Cushman v. TransUnion ( 115 F.3d 220 ), you must perform an independent reinvestigation and obtain documentary proof from the furnisher showing duedate, receipt, and posting records for the alleged late payment. Computer codes are not proof

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 2025-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Torriere Holdings INC
State: MI

Complaint narrative:
Contacted multiple third parties to try to get a hild of me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: MS

Complaint narrative:
I am writing to express my concerns about Chime, handling disputes and highlighting significant issues about it. While using Chime, and expressing my problems I had with them theyve failed to investigate my claims. I was told there was no way I could receive my funds that was not recovered. The CFPBs came to the conclusion that Chime have neglected the consumers and also allowed repeat offenders to keep exploiting the system. This is very unprofessional and Im only worried about the consumers information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I received an email message from Best Buy. It said I had a balance past due. It was the first I had heard of it. No amounts or details were provided. I responded by trying the link given in the email message, by calling the numbers given and by visiting the Best Buy website. I was unable to reach a Best Buy representative or access account information. Instead I reached only recordings and scripted chat bots that could not provide any further information. I could find no account of mine through the website. I tried to set XXXX up, but it required an account number, which I did not have. ( The email message gave only the last XXXX digits, XXXX ) I then tried calling a local retail location of Best Buy. I did reach a live person there, but I was told they had not information on accounts and could not help me. Nor could they refer me to any other source of information

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 2025-10-07 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: AL

Complaint narrative:
Subject : FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Your file shows : Account Status : Closed, Monthly Payment : {$340.00}, Past Due : {$8200.00}, Comments : Repossession, Payment Status : ForeclosureOrRepossession, Date of Last Payment : XXXX, Date Last Active : XXXX. 
Defects & XXXX XXXX breaches : Closed/Repo can not show a positive Scheduled Monthly Payment. 607 ( b ) ; Reg V 1022.42 ( b ). Metro 2 : Scheduled Monthly Payment Amount, Account Status.

Past Due after XXXX is improper ; should be a deficiency figure, not a periodic past-due. 
607 ( b ). XXXX XXXX : Amount Past Due. 
XXXX fields must align ; inflated rolling 90s are not permitted. 611 ; 623 ( a ) ( 5 ). 
XXXX XXXX : XXXX, XXXX, Payment Rating, Date of Account Information. 
All late months DISPUTED. Codes are not proof. Provide running statements/ledger ( due/receipt/posting ) for each late or delete the lates/incorrect fields or the entire tradeline under 1681i ( a ) ( 5 ) ( A ). Remedies reserved 616617.

Enclosures : ID, proof of address, highlighted report pages. 
XXXX ) XXXX XXXX XXXX XXXX XXXX Secured Installment ( TransUnion version ) Subject : FCRA 611 Dispute Self Financial/Lead Bank ( Closed {$0.00} but flagged Negative ) Your file shows : Closed Balance : {$0.00} Payment Status : AsAgreed Comments : Account paid from collateral, yet you label the tradeline Negative and list XX/XX/XXXX lates. 
Defects & XXXX XXXX breaches : same as above ( contradictory outcome ; unsupported lates ). 
Demand : Independent reinvestigation ( Cushman ), running statements/ledger ; if not verified, remove lates and correct to non-negative ( or delete ) per 1681i ( a ) ( 5 ) ( A ). Remedies 616 617. 
Enclosures : ID, proof of address, highlighted report pages. 
XXXX ) Public Records XXXX  XXXX ( duplicate entries ) Subject : FCRA XXXX Dispute Duplicate Bankruptcy Entries You show more than XXXX entry for the same XXXX Ch. XXXX ( Ref. XXXX ), including a duplicate XX/XX/XXXX item dismissed XX/XX/XXXX. This is duplicative and misleading in violation of XXXX ( b ) ; delete the duplicate ( 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 non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: VA

Complaint narrative:
Chime checking service XXXX over {$3000.00} was taken out of my account. I reported it n they declined to reimburse. They closed my account so I have no evidence of the dispute. Im sure they have it though.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-10-07 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: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-10-07 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: Experian Information Solutions Inc.
State: SD

Complaint narrative:
Back in XX/XX/year> I tried to use XXXX XXXX to file taxes. Ive been over charged by XXXX XXXX and spoofed into some fake service offers by Experian. XXXX XXXX filing was rejected due to claims I had government subsided insurance. I did not receive such insurance and Experian also charged a fee. Experian has consistently tried to charge monthly. This has directly resulted in my inability to pay several creditors. At this same period of time I have been saturated with spam calls and spoof websites acting as billing departments of r my real accounts. This fraudulent activity has cause substantial financial losses and caused several defaults leading to devastating financial consequences. Despite several attempts to contact Experian, all I get is automated XXXX support that goes in loops with no support. I wish to receive full refunds from ever successful debit to my account by Experian and pursue in the collection of monetary compensation in accumulated damages. 
I have reported this to XXXX XXXX  billing departments. They issued new card and card number. Experian has been charging new account number also. As a result, I am unable to submit payments to several other legitimate accounts. Some accounts have now defaulted or soon to be in default.

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 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello, I previously filed a complaint with number XXXX, regarding a denial of my money tranfer druring an emergency overseas. 

The companys response was inaccurate and the issue remains unresolved. 

I have new evidence and request that the CFPB reopen or escalate this complaint for further review. 


Thank you, 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 2025-10-07 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 ( XXXX U.S. Code XXXX ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 ( XXXX U.S. Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: MD

Complaint narrative:
I still can't use my phone my card. I have the right to link my card online to buy things without be hindered by some three party companies. Then I have to call XXXX XXXX and they still do nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: PA

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 non-monetary relief
Consumer complaint received 2025-10-07 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: NY

Complaint narrative:
On my credit report XXXX  XXXX ( XXXX XXXX ) is reporting a charge off. When trying to reach out to the company. They have no information regarding the debt. The creditor is unable to provide original Documation. Under 15 U.S.C. 1681e ( b ) outlines the compliance procedures for consumer reporting agencies ( CRAs ) under the Fair Credit Reporting Act ( FCRA ). It mandates that whenever a CRA prepares a consumer report, it must follow reasonable procedures to ensure maximum possible accuracy of the information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: NY

Complaint narrative:
On my credit report XXXX  XXXX ( XXXX XXXX ) is reporting a charge off. When trying to reach out to the company. They have no information regarding the debt. The creditor is unable to provide original Documation. Under 15 U.S.C. 1681e ( b ) outlines the compliance procedures for consumer reporting agencies ( CRAs ) under the Fair Credit Reporting Act ( FCRA ). It mandates that whenever a CRA prepares a consumer report, it must follow reasonable procedures to ensure maximum possible accuracy of the information.

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