vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-09 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: MO

Complaint narrative:
I am filing this complaint against XXXX XXXX for unfair and deceptive payment practices in violation of federal consumer protection laws. On or about XX/XX/year>, I made an authorized payment toward my XXXX account ( # XXXX ). The payment was accepted and confirmed by XXXX. However, a week afterward, the payment was reversed without explanation or justification, despite the funds being available and cleared from my financial institution. This reversal caused an inaccurate delinquency to appear on my account and potentially on my credit reports. I believe this action was improper, deceptive, and constitutes a breach of federal law governing fair credit and payment processing. 
Legal Basis for Complaint Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Prohibits furnishing inaccurate or misleading credit information. 
Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e & 1692f Prohibits deceptive and unfair collection actions.

Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693f Requires proper handling and resolution of authorized electronic transfers.

Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq. Requires accurate payment application and disclosure. 
XXXX reversal of a legitimate payment violates these statutes and has caused harm to my financial standing and credit reputation. 
XXXX Requested I respectfully request that the CFPB and Better Business Bureau : XXXX. Conduct an immediate investigation into XXXX XXXX payment-handling procedures. 
XXXX. Require XXXX to produce documentation justifying the payment reversal. 
XXXX. Order correction or deletion of any negative reporting resulting from this incident. 
XXXX. Impose penalties or corrective action for violations of federal law. 
XXXX. Require XXXX to issue a written confirmation resolving the matter in my favor. 
Certification I declare under penalty of perjury that the statements made herein are true and accurate to the best of my knowledge and belief.

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 2025-11-09 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:
I am filing this complaint against XXXX XXXX for unfair and deceptive payment practices in violation of federal consumer protection laws. On or about XX/XX/year>, I made an authorized payment toward my XXXX account ( # XXXX ). The payment was accepted and confirmed by XXXX. However, a week afterward, the payment was reversed without explanation or justification, despite the funds being available and cleared from my financial institution. This reversal caused an inaccurate delinquency to appear on my account and potentially on my credit reports. I believe this action was improper, deceptive, and constitutes a breach of federal law governing fair credit and payment processing. 
Legal Basis for Complaint Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Prohibits furnishing inaccurate or misleading credit information.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e & 1692f Prohibits deceptive and unfair collection actions.

Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693f Requires proper handling and resolution of authorized electronic transfers.

Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq. Requires accurate payment application and disclosure. 
XXXX reversal of a legitimate payment violates these statutes and has caused harm to my financial standing and credit reputation.

Relief Requested I respectfully request that the CFPB and Better Business Bureau : XXXX. Conduct an immediate investigation into XXXX XXXX payment-handling procedures. 
XXXX. Require XXXX to produce documentation justifying the payment reversal. 
XXXX. Order correction or deletion of any negative reporting resulting from this incident. 
XXXX. Impose penalties or corrective action for violations of federal law. 
XXXX. Require XXXX to issue a written confirmation resolving the matter in my favor. 
Certification I declare under penalty of perjury that the statements made herein are true and accurate to the best of my knowledge and belief.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 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: GA

Complaint narrative:
XXXX XXXX XX/XX/XXXX {$870.00} XXXX XXXX XX/XX/XXXX {$1900.00} XXXX XXXX XXXX XX/XX/XXXX {$1900.00} XXXX XXXX XXXXXX/XX/XXXX {$490.00} XXXX XXXX- {$42.00} XXXX I am filing this complaint because there are accounts on my credit report that do not belong to me and were opened fraudulently. I have disputed these accounts with [ XXXX/Equifax/XXXX XXXX under the Fair Credit Reporting Act ( FCRA ) but they have failed to remove or verify them properly. I am requesting the CFPBs assistance in having these accounts deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: TX

Complaint narrative:
I had been baking with Chime for a few years when suddenly out of nowhere my account was closed upon checking with them. I asked them what was the issue and they said that I did something that violated their community standards. When I asked specifically what was the action that caused the closure they would not provide any further information and also went on to say that I was not eligible for a refund of my own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint and request for investigation concerning XXXX paid debt collection account that continues to appear on my credit reports as unpaid or derogatory. Despite fulfilling my financial obligation, the debt collector and credit reporting agencies have failed to update or remove the account as required under the Fair Credit Reporting Act ( FCRA ). 

Account Information : Collection Agency : PNC Bank Original Creditor : PNC Bank Account Number ( partial ) : XXXX Date of Payment : XX/XX/year> Credit Reporting Agencies Involved : XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX Original Creditor : XXXX XXXX Account Number ( partial ) : XXXX Date of XXXX Credit Reporting Agencies Involved : ] XXXX, XXXX, XXXX  This account was paid in full on [ date ], as proven by the enclosed payment confirmation. However, the credit reporting agencies continue to display the account as active, unpaid, or derogatory. This constitutes inaccurate and misleading reporting under several provisions of the FCRA : 602 ( 15 U.S.C. 1681 ) Consumers have the right to fair and accurate credit reporting.

607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Credit reporting agencies must maintain maximum possible accuracy of the information they report.

611 ( a ) ( 15 U.S.C. 1681i ) Credit reporting agencies are required to reinvestigate disputed information and correct or delete inaccuracies.

623 ( a ) ( 1 ) ( A ) & 623 ( b ) ( 1 ) ( 15 U.S.C. 1681s-2 ) Data furnishers must not report inaccurate information and must correct errors after being notified of a dispute. 

Because the collection account has been paid in full and is no longer valid, its continued reporting in a derogatory status is inaccurate and misleading. The FCRA requires that unverified or inaccurate information be corrected or deleted promptly. 

I respectfully request that the CFPB investigate this matter and ensure that : The collection agency and credit bureaus comply with the FCRA and update or delete this paid collection account. 

I receive written confirmation from all credit reporting agencies reflecting the correction or deletion of this account. 

Enclosed are copies of relevant documentation, including proof of payment and prior dispute correspondence. 

Thank you for your time and assistance in resolving this matter. Please contact me if additional information is needed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: MN

Complaint narrative:
This is not my bill, and XXXX XXXX has never notified me of any outstanding balance. I have never received a call or written notice from this company about this debt, and I have never signed a contract with a third-party collection agency. I have no idea who these companies are, and I expect this collection to be removed from my credit report immediately. Since my information was exposed to identity theft, I continue to see these negative items on my credit report due to the Equifax and TransUnion data breaches. Experian, TransUnion, and Equifax also continue to VERIFY information on my credit reports WITHOUT updating it. However, they make it very easy to keep adding accounts that do not belong 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 2025-11-08 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:
I am writing to dispute the reporting of the following accounts that appear on my Experian credit report. These accounts may have been affected by recent nationwide data breaches and could have been reported in error. Under the Fair Credit Reporting Act ( FCRA ) Sections 602A and 611, I am requesting that Experian conduct an immediate investigation to verify the accuracy and ownership of the accounts listed below. If the accounts can not be fully verified, they must be promptly deleted from my credit report. 

Account Name : XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$26000.00} Account Name : XXXX  XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00}

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 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 )
Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-09 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: IL

Complaint narrative:
ACCOUNT XXXX OPENED XXXX AMOUNT {$58000.00} This letter serves as a formal demand regarding the fraudulent account you continue to report under my name. Despite multiple prior disputes and the submission of my police report and identification, I have not received any legitimate proof verifying that I opened or authorized this account. 
You continue to send template responses that fail to include any contract, identification, or transaction records proving that I personally authorized this account. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i, 1681s-2, and 1681b ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), you are legally required to provide proper verification of the debt not form letters or general statements. 
If you can not provide this documentation within 15 days of receipt of this notice, you must immediately delete and cease all reporting of this fraudulent account to XXXX  and Experian, as XXXX  has already verified it as identity theft and removed it from my report. You are also required to provide written confirmation of deletion and cessation of all collection activities.

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 2025-11-09 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: IL

Complaint narrative:
ACCOUNT XXXX OPENED XXXX AMOUNT {$58000.00} This letter serves as a formal demand regarding the fraudulent account you continue to report under my name. Despite multiple prior disputes and the submission of my police report and identification, I have not received any legitimate proof verifying that I opened or authorized this account. 
You continue to send template responses that fail to include any contract, identification, or transaction records proving that I personally authorized this account. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i, 1681s-2, and 1681b ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), you are legally required to provide proper verification of the debt not form letters or general statements. 
If you can not provide this documentation within 15 days of receipt of this notice, you must immediately delete and cease all reporting of this fraudulent account to Equifax and XXXX, as XXXX  has already verified it as identity theft and removed it from my report. You are also required to provide written confirmation of deletion and cessation of all collection activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: OH

Complaint narrative:
On XX/XX/year>, XXXX transferred {$1300.00} from my savings account to my checking account without my authorization to cover a negative checking balance of {$1300.00}. Overdraft protection was off, and I never opted in. I contacted SoFi multiple times, including speaking with supervisors, requesting proof that I authorized this transfer, and asking for my savings account to be released. During these calls, I cited the Electronic Fund Transfer Act ( 15 U.S.C. 1693f ) and Regulation E ( 12 C.F.R. 1005.6 ( a ) ) regarding unauthorized transfers. SoFi refused to provide evidence and only cited the account agreement. 
My savings account currently has {$16000.00}, and it has been restricted for 16 days since XX/XX/year>, pending account closure, preventing me from accessing my funds. I did not authorize the transfer from savings to checking, and I do not want my savings used to cover the negative balance. Any attempt to use my savings is unauthorized under federal law. 
Being unable to access my funds is causing financial hardship. I want my savings released immediately and mailed as a check, and I request written confirmation that my funds can not be used to cover any negative checking balance without my explicit authorization. 
Date : XX/XX/year> Time : XXXX XXXX  Representative : Name sounded like XXXX ( exact spelling unknown ) Summary : Requested proof of authorization for the {$1300.00} transfer from savings to checking and asked for release of my {$16000.00} savings account. I cited the Electronic Fund Transfer Act ( 15 U.S.C. 1693f ) and Regulation E ( 12 C.F.R. 1005.6 ( a ) ). The representative refused to provide evidence and only referenced the account agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: NJ

Complaint narrative:
I am writing to formally dispute the following accounts and inquiries being reported on my Equifax credit report. These items may be the result of a data breach or unauthorized use of my personal information. 

Accounts : Account name XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$950.00} Account name : XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$350.00} Account name : XXXX XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$720.00} Account name : XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$7500.00} Account name : XXXX  XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$4900.00} Account name : XXXX XXXX Account number : XXXXXXXX XXXX Opened : XX/XX/XXXX Balance : {$540.00} Account name : NATLCRSYS Account number : XXXXXXXX XXXX  Opened : XX/XX/XXXX Balance : {$9500.00} Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
American Honda Finance continues to inaccurately report my auto loan account as closed, with a late payment, even though the account remains open and active. Both XXXX XXXX XXXX show conflicting closure dates, and Honda has failed to properly update or verify the information despite multiple disputes and correspondence. 

Account : American Honda Finance Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I currently have an active loan with American Honda Finance. However, both XXXX XXXX XXXX are showing the account as closed with different reported closure dates ( XX/XX/XXXX, on XXXX and XX/XX/XXXX, on XXXX  ). 
This information is inaccurate and misleading. I continue to make monthly payments, and the account has never been closed by me or by Honda. 

Additionally, a XXXX late payment from XX/XX/XXXX is still being reported even though this issue stemmed from a system error on Hondas end, as they admitted in their written response to the CFPB dated XX/XX/XXXX. In that letter, Honda acknowledged system enhancements that suppressed certain accounts, including mine. Despite this acknowledgment, Honda refused to correct the inaccurate late payment. 

As of today, both XXXX XXXX XXXX continue to show : The account is closed, even though its open and active. 
A XXXX late payment from XX/XX/XXXX, which is inaccurate. 
Ongoing disputes listed as reinvestigation in progress, well past the FCRA-allowed 30-day reinvestigation period.

Facts Supporting My Complaint : Honda confirmed in writing that system errors affected my account but failed to ensure the correction was reflected with all credit bureaus. 
I have submitted multiple goodwill and dispute letters to HondaXXXX XXXX XXXX XXXX since XXXX. 
My payment history shows consistent on-time payments. 
I continue to make active monthly payments ; the loan is not closed, charged off, or paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


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 - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief