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: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am filing this complaint because Experian has failed to conduct a reasonable reinvestigation of the disputes I sent on XX/XX/year>. It has now been more than 30 days, and I have not received any verification, supporting documentation, or corrections. Several accounts remain inaccurate or unverifiable and continue to report in violation of the Fair Credit Reporting Act ( FCRA 611 ) and Metro 2 data-furnishing standards.

What information I requested In my dispute, I specifically requested : A reasonable reinvestigation of each inaccurate account ; The method of verification, including the furnisher name, contact information, and documents used to verify ; The source of each piece of information under FCRA 609 ; Correction or deletion of any information that can not be verified. 
Items in dispute LA XXXX XXXX XXXX {$4100.00} / Past Due {$4100.00} / 120 Days Late / Last Reported XXXX. 
Experian shows no two-year payment history and no clear Date of First Delinquency. 
The entire balance is marked past due, which is internally inconsistent and not XXXX XXXX compliant. 
No validation or supporting record was provided. 
XXXX XXXX XXXX XXXX Bankruptcy ( XXXX ) Experian appears to reference XXXX identifiers for XXXX case. Only XXXX accurate record should exist. 
Accounts Included in Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts are still showing charge-off or past-due language instead of Included in Bankruptcy/ {$0.00} Balance.

Experian failed to verify or correct these inconsistencies.

Why this violates the law FCRA 611 ( a ) ( 1 ) Failure to conduct a reasonable reinvestigation ; FCRA 611 ( a ) ( 5 ) Failure to delete or correct unverifiable information ; FCRA 611 ( a ) ( 6-7 ) Failure to provide results and the method of verification ; Metro 2 Failure to maintain internal consistency ( status, balance, DOFD, remarks ).

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AP

Complaint narrative:
I am using this CFPB complaint as both formal complaint and a formal dispute. I am writing to request an investigation into several negative entries currently appearing on my credit report. I believe that some or all of these entries are inaccurate, unverifiable, or reported in error. 

Despite contacting the credit bureaus and my lenders, the disputed information has not been corrected or removed. I am requesting that the CFPB assist in ensuring a full investigation and that any unverifiable or incorrect information be deleted from my credit reports.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 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: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle not only has neglected to protect customers but has allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability is unacceptable and raises serious concerns about consumer safety

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 information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Subject : Inaccurate XXXX Delinquency Reporting Request for Correction to Reflect Current/On-Time Status To : Consumer Financial Protection Bureau ( CFPB ) Companies : Experian Information Solutions, Inc. and XXXX  LLC Creditor/Furnisher : U.S. Department of Education / ECSI Complaint Summary : Experian and XXXX  are reporting an inaccurate XXXX late status XXXX my student loan account serviced by XXXX on behalf of the U.S. Department of Education. 

I received notice in XX/XX/year> that my loan was being transferred to XXXX. Since that time, I have made every required payment on time and my account is current. Despite this, Experian continues to report a XXXX past-due notation, while the furnisher has not provided any documentation verifying that such a delinquency occurred. 

The current reporting is incomplete and misleading because it omits my full record of timely payments and presents a single, unsubstantiated derogatory mark that does not reflect the actual payment history since the loan transfer. This violates the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies and furnishers to maintain and report only accurate, complete, and verifiable information. I have been working hard as a single mother of XXXX with XXXX single income to support and house the XXXX of us an having this random 180 day late on my file is severely affecting my file. 

Violations : FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy of consumer information.

FCRA 1681i ( a ) : Failure to correct or delete unverifiable information following dispute.

FCRA 1681s-2 ( b ) : Furnishers duty to report accurate and complete data.

Requested Action : Remove the inaccurate 180-day late notation from my credit file.

Update the account to accurately reflect its current and on-time status.

Ensure that my payment history is complete and consistent across all credit bureaus. 

Provide written confirmation once the correction has been made.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Subject : Inaccurate XXXX Delinquency Reporting Request for Correction to Reflect Current/On-Time Status To : Consumer Financial Protection Bureau ( CFPB ) Companies XXXX XXXX XXXX XXXX XXXX and TransUnion LLC Creditor/Furnisher : U.S. Department of Education / XXXX Complaint Summary XXXX XXXX and TransUnion are reporting an inaccurate XXXX late status on my student loan account serviced by XXXX on behalf of the U.S. Department of Education. 

I received notice in XX/XX/2024 that my loan was being transferred to XXXX. Since that time, I have made every required payment on time and my account is current. Despite this, Experian continues to report a XXXX past-due notation, while the furnisher has not provided any documentation verifying that such a delinquency occurred. 

The current reporting is incomplete and misleading because it omits my full record of timely payments and presents a single, unsubstantiated derogatory mark that does not reflect the actual payment history since the loan transfer. This violates the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies and furnishers to maintain and report only accurate, complete, and verifiable information. I have been working hard as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX income to support and house the XXXX of us an having this random XXXX  day late on my file is severely affecting my file. 

Violations : FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy of consumer information.

FCRA 1681i ( a ) : Failure to correct or delete unverifiable information following dispute.

FCRA 1681s-2 ( b ) : Furnishers duty to report accurate and complete data. 

Requested Action : Remove the inaccurate 180-day late notation from my credit file.

Update the account to accurately reflect its current and on-time status. 

Ensure that my payment history is complete and consistent across all credit bureaus. 

Provide written confirmation once the correction has been made.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Even though the account was fully paid, it continues to display delinquency remarks.

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 information incorrect
Company: CL Holdings LLC
State: SC

Complaint narrative:
" This collection account is being unlawfully reported by Jefferson Capital Systems. It continues to appear as active with monthly balance updates on my credit reports, which constitutes re-aging in direct violation of FCRA 623 ( a ) ( 2 ) ( Duty to Correct ) and Metro 2 standards. I submitted a formal request for legal validation of the debt, and the company failed to provide verifiable documentation, including the original contract and the original Date of First Delinquency ( DOFD ). Their continued reporting of this unverifiable, inaccurate, and re-aged item violates the FCRA and FDCPA 809 ( b ). I demand immediate deletion of this entire tradeline from all credit bureaus and confirmation that no further re-aging or misleading updates will occur. ''

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: Early Warning Services, LLC
State: GA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

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 information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

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: CA

Complaint narrative:
I am writhing to inform and express my concerns regarding chime handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using chime numerous times and reporting discrepancies, my financial institution and chime failed to investigate my claims adequately. They informed me that recovering lost funds is impossible and that tracking these transactions was infeasible. The CFPBs findings indicate chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am filing this complaint against TransUnion Rental Screening Solutions ( SmartMove ) for failing to correct or delete unverifiable information from my consumer report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681e ( b ). 
Over the course of XXXX separate disputes ( XX/XX/year> ; XX/XX/year> ; and XX/XX/year> ), I challenged an inaccurate eviction record ( XXXX XXXX. XXXX ) that TransUnion SmartMove  continued to report. 
In its XX/XX/year> response, TransUnion claimed the eviction was verified by the XXXX XXXX XXXX XXXX. 
In its XX/XX/year> response, TransUnion acknowledged that as of XX/XX/year>, it no longer maintains eviction files and instead relies on XXXX as the source of such data. 
Upon direct inquiry to XXXX, I was informed that no record of the eviction exists in their system, proving that TransUnions reporting is unverifiable at its source.

Despite being unable to verify the data, TransUnion SmartMove refused to update or remove the false eviction entry, constituting : A failure to follow reasonable procedures to ensure maximum possible accuracy ( FCRA 1681e ( b ) ) ; and A failure to delete unverifiable information after reinvestigation ( FCRA 1681i ( a ) ( 5 ) ).

These actions have resulted in emotional distress, reputational damage, and loss of housing opportunities, as my consumer profile continues to reflect a false eviction record.

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: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: AP

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am requesting assistance regarding closed credit card accounts that continue to appear on my credit reports. These accounts were closed by the lenders, not by me, and I have always made all payments on time while the accounts were active.

I have reached out to the credit bureaus to request removal or correction of these closed accounts, as they are negatively affecting my credit score and overall credit standing, even though I maintained a perfect payment history. Unfortunately, the credit bureaus have not been responsive or helpful in addressing this issue. 

I am requesting that the CFPB investigate this matter and ensure that these inaccurate closed accounts are properly deleted or corrected in accordance with the Fair Credit Reporting Act ( FCRA ).

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: Early Warning Services, LLC
State: SC

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Im extremely distressed that the inaccurate accounts remain on my credit reports and nothing has been done to remove them. Im earnestly asking that you go over the attached documents in detail so I can finally stop worrying and move on from this ongoing struggle.

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