vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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: VA

Complaint narrative:
I have sent two letters to Experian concerning inaccuracies in several data points the first XX/XX/year> and the second XX/XX/year>. Experian responds by updating and verifying the accounts both times. Under FCRA laws 1681e ( b ), 1681n, 1681o, Experian 's negligence and non compliance with said stated laws has caused significant damage to my consumer report and life as my ability to access credit for loans and lines of credit is stalled due to accounts not being corrected and deleted.

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 2025-11-18 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: AL

Complaint narrative:
b'I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach:\nAddress:\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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 XX/XX/XXXX - {$51000.00} XXXXXXXX XXXX XXXX  # XXXX XX/XX/XXXX - {$1000.00}

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 2025-11-18 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: LEXISNEXIS
State: MS

Complaint narrative:
We made multiple requests regarding the inaccurate and certifiably noncompliant information you are reporting to be verified with the ORIGINAL creditor. XXXX XXXX. : XXXX As you can see by there latest response dated XX/XX/year> that they went to a public database PACER and NOT the original Bankruptcy Courts that the alleged bankruptcy was reported from. PACER is NOT the bankruptcy court. 

I am filing this complaint as a formal objection to information published and provided by you to XXXX XXXX XXXX XXXX  This notice serves as my rightful demand for adequate investigation/reinvestigation and validation into every aspect of any delinquency and/or derogatory date accused of me to ensure my lawful right of accurate and compliant reporting. 

Lexis Nexis is improperly reporting an alleged Public Record to the credit bureau that is clearly in noncompliance with recognized XXXX Reporting Requisites per CRGG as well as the FCRA, and thus damaging my credit. Without being certifiably compliant with XXXX reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less a public record that has not been reported to you by the alleged Court of Record. I formally contest the reportability of the alleged Public Record.

This Public Record item is deficient as reported and per Federal reporting regulations, all claims MUST be to a maximum possible accuracy and maximum possible completeness, which extends to the reporting mandates that there be no deviation from XXXX format compliance since per the CDIA, DNP 34 Any deviation from these standards jeopardizes the integrity of the data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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:
I am filing this complaint regarding multiple inaccurate, obsolete, and unauthorized items appearing across my credit reports with Experian, Equifax, and TransUnion, which are negatively affecting my creditworthiness. Experian reports a XXXX XXXX account ( XXXX ) as a charge-off with a {$0.00} balance and an incorrect Date of First Delinquency ( DOFD ), violating FCRA 605 ( a ), 623 ( a ) ( 5 ), and 623 ( a ) ( 1 ) ( A ). Equifax reports a XXXX account ( XXXX ) as a late-close with {$0.00} balance, a XXXX account ( XXXX XXXX as a {$0.00} charge-off, and an unauthorized inquiry from EQUIFAX XXXX XXXXXXXX XX/XX/year>, violating FCRA 605 ( a ), 611, 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), 623 ( a ) ( 5 ), and 1666/1666a. TransUnion reports the same XXXX late-close and XXXX XXXX charge-off, along with inquiries from XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, and EQUIFAX XXXX XX/XX/year>, which are either unauthorized or outdated, violating FCRA 604 ( a ), 605 ( a ), 611, 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), and 623 ( a ) ( 5 ). These repeated errors across all three credit bureaus have resulted in a materially inaccurate representation of my financial obligations, lowering my credit score to XXXX and causing harm to my ability to access credit, loans, or housing.

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 2025-11-18 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: GA

Complaint narrative:
I am disputing the remark XXXX XXXX no longer available in repayment phase because it is inaccurate and does not reflect the true status of the account. Please investigate and remove this incorrect notation from my Experian credit report. 


Account info Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Line of Credit

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 2025-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: MA

Complaint narrative:
Dear SECURITY CREDIT SERVICES : I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : Original Credit Agreement ( the contract I allegedly signed, if applicable ) Full Itemized Statement ( showing how the balance was calculated ) Forward Flow Agreement ( proving debt transfer from original creditor ) Chain of Title / Assignment Documents ( showing legal transfer of ownership ) Complete Payment History Records ( verifying payments or delinquencies ) Validation Notice ( per FDCPA 1692g ) Notice of Default / Intent to Collect ( as required by law ) Proof of Statute of Limitations ( confirming debt is legally collectible ) Credit Reporting Agreement ( authorizing reporting to bureaus ) Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable.

Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). Courts including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX that unverifiable or misleading data can not lawfully remain on a consumers credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I am filing a complaint about my Best Buy credit card issued by XXXX. My payment for the XXXX billing cycle was due on XX/XX/XXXX, which was a federal holiday. I paid my entire remaining balance on XX/XX/XXXX, the next business day. 
Even though the due date fell on a holiday and I made the payment the following business day, Citi still charged me a late fee for XXXX. That first fee then caused additional late fees to be added, even though the full balance had already been paid. 
Citi did remove a late fee at one point, but they removed the fee from XXXX instead of the original XXXX late fee. Because the XXXX fee was never waived, the account continued accumulating late fees that should not have happened. If the XXXX fee had been reversed, none of the following late fees would have occurred. 
Because of these late fees, Best Buy/Citi has now lowered my credit limit twice. My balance has been paid off, and the only activity on my account has been these late fees that continued solely because the first one was never corrected.

I contacted Citi customer service several times, but they have refused to remove the incorrect XXXX late fee or the fees that resulted from it. 
I have payment confirmation showing the date I paid on XX/XX/XXXX, as well as statements showing the late fees. 
Thank you for reviewing this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
My loans from the Navient Servicing lender was sold unfairly to the XXXX XXXX XXXX  for no reason, which may be unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: OH

Complaint narrative:
I am submitting this complaint to formally dispute and demand the removal of multiple unauthorized and unverifiable inquiries appearing on my Experian, Equifax, and TransUnion credit reports, which were made without my consent and violate my rights under FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), all of which clearly state that a consumer reporting agency may furnish a credit report only for a permissible purpose and that unauthorized inquiries are prohibited ; upon reviewing my credit reports, I identified numerous inquiries I never authorized, including on Experian : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX OF XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX OF XXXX XX/XX/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 XX/XX/XXXX XXXX CG HONDAOR XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX ; none of these inquiries were authorized by me or satisfy a permissible purpose under the FCRA, and their reporting is therefore inaccurate, misleading XXXX and detrimental to my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: OH

Complaint narrative:
I am submitting this complaint to formally dispute and demand the removal of multiple unauthorized and unverifiable inquiries appearing on my Experian, Equifax, and TransUnion credit reports, which were made without my consent and violate my rights under FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), all of which clearly state that a consumer reporting agency may furnish a credit report only for a permissible purpose and that unauthorized inquiries are prohibited ; upon reviewing my credit reports, I identified numerous inquiries I never authorized, including on Experian : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX OF XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX OF XXXX XX/XX/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 XX/XX/XXXX XXXX CG HONDAOR XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX ; none of these inquiries were authorized by me or satisfy a permissible purpose under the FCRA, and their reporting is therefore inaccurate, misleading XXXX and detrimental to my creditworthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: AR

Complaint narrative:
I am writing to formally dispute several accounts currently appearing on my credit file that contain inaccurate, misleading, or incomplete information, which does not accurately reflect my verified payment history or legal financial obligations. The first account, XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$12000.00} * *, has been previously included in a regular dispute letter, yet it continues to reflect reporting that does not match my records ; payments were consistently made on time, and the current reporting misrepresents my true credit behavior, creating an unjust impression of delinquency. Additionally, XXXX XXXX XXXX XXXX  with a balance of {$4000.00} * * is reported inaccurately, as my verified records confirm timely payments, yet the account is still marked with erroneous late activity that does not correspond to actual transactions. The XXXX XXXX * * account, which shows a zero balance * *, was also included in a previous dispute, but it continues to reflect incomplete information, suggesting unresolved activity where none exists, further misrepresenting my credit profile. Similarly, XXXX XXXX XXXX XXXX XXXX with a reported balance of {$13000.00}, has been included in prior correspondence, yet the account continues to show outdated or misleading payment data that fails to reflect my accurate payment history. FinallyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  balance {$2800.00} * *, continues to report in a manner inconsistent with my verified payment obligations, creating a false impression of noncompliance that could adversely affect my creditworthiness. 
These inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, FCRA 607 ( b ) requires credit reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy of all consumer information ; FCRA 611 ( a ) grants consumers the right to dispute inaccurate or unverifiable information and mandates that it be reinvestigated ; and FCRA 623 ( a ) ( 1 ) ( A ) and ( a ) ( 2 ) obligate furnishers to report only accurate information and promptly correct any discrepancies once identified. The accounts listed above collectively misrepresent my true financial behavior, contain unverifiable or outdated data, and have not been corrected despite prior communications.

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 2025-11-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NY

Complaint narrative:
Today I was supposed to get a direct Deposit from XXXX XXXX. I get them every Monday but chime likes to change the time every week. They also don't like to give me my direct deposits like for today which is XX/XX/year> I've waited all day even the times they told me that I would get it and still haven't received it. I have friends and a boss who does use them and get their pay with no problems but I seem to have problems every week every since I got fired back in XX/XX/year> and set up direct deposit with them....

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: GA

Complaint narrative:
I am submitting this formal dispute regarding multiple inaccuracies on my credit reports that have been reported by XXXX XXXX XXXX XXXX Experian and Equifax, which misrepresent my financial history, create a false perception of delinquency, and have negatively affected my creditworthiness and ability to access financial opportunities. On Experian, my XXXX XXXX XXXX account ending in XXXX, opened on XX/XX/year>, is incorrectly reported with a balance of {$12000.00} and late payments spanning 30, 60, 90, 160, and 180 days, none of which accurately reflect my payment history, as I have consistently made payments in accordance with my agreement. Similarly, on Equifax, the same account ending in XXXX, opened on XX/XX/year>, is reported with a balance of {$12000.00} and late payments of 30, 60, and 90 days, which are also inaccurate, reflecting an exaggerated delinquency timeline and creating a misleading impression of financial irresponsibility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
To Whom It May Concern, I am writing regarding the above-referenced account. Under FDCPA 809 ( b ) ( 15 U.S.C. 1692g ) and FCRA 602A, 607B, 611A-1, I am requesting full and complete validation and verification of these alleged debts. Specifically, I am requesting the following documentation : 1. The original signed contract or agreement evidencing my obligation to the original creditor. 2. The complete chain of title, including all transfers, assignments, or sales of this debt, any proof of securitization from the original creditor to your agency. 3. Proof of ownership and authority to collect, including any agreements or instruments showing your legal right to collect this debt. 4. Itemized accounting of the alleged debt, including principal, fees, interest, and any other charges applied. Additionally, I request that you verify all information being reported to any credit reporting agency is accurate and substantiated. If you can not provide complete verification and documentation within 30 days of receipt of this letter, you are required under FCRA 611 ( a ) ( 1 ) and 607 ( b ) to delete any negative reporting related to this account from all credit bureaus immediately. Please provide, copies of all requested documentation ; originals are not required. Until such verification is provided, you must cease all collection activity and refrain from further reporting of this account. Failure to comply with this request may result in a formal dispute with the credit reporting agencies and any other legal remedies available to me under federal law. Thank you for your prompt attention. I expect your response within 30 days. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
Bank Of America RETURNED my ACH transfer in the amount of XXXX XXXX. It was worth noting that account closure was supposed to be finalized, they were supposed to finalize account closure for me and block ANY Automated Clearing House transfers or credits.

It's also worth noting that I am LOCKED out of my own account, can not even access it via the website or the app.

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