vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 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: AL

Complaint narrative:
I am disputing a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: PA

Complaint narrative:
I am disputing a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: AL

Complaint narrative:
I am writing to formally request a detailed description of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, in accordance with 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification. 

Under this provision, I am entitled to a full explanation of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required by federal law and your responsibilities under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: SC

Complaint narrative:
Good day, I'm Sending this complaint, regrading to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'am thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to reemove the listed items in ID Theft report within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remainng showing on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-27 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: SC

Complaint narrative:
Good day, I'm Sending this complaint, regrading to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'am thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to reemove the listed items in ID Theft report within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remainng showing on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: FL

Complaint narrative:
XXXX XXXX is illegally reporting a 30-day late payment for XX/XX/XXXX. This false derogatory entry is an FCRA violation and must be corrected to Pays as Agreed immediately.

Let me be crystal clear : The account was never
past due in XX/XX/XXXX It was paid off in full with a {$7200.00} payment on XX/XX/XXXX The account is now closed with a {$0.00} balance Every other month before and after is marked Pays as Agreed There is no delinquency history, no past due balance, and no valid justification for this 30-day mark I was never served proper written notice of any intent to report adverse information as required by FCRA 623 ( a ) ( 7 ) This isnt a mistake. Its an outright violation of : FCRA 623 ( a ) ( 1 ) ( A ) prohibits knowingly or negligently furnishing inaccurate or misleading information FCRA 607 ( b ) requires maximum possible accuracy from the bureau FCRA 611 ( a ) requires correction or deletion of unverifiable or inaccurate data 15 U.S.C. 1681n and 1681o establishes monetary liability for negligent and willful noncompliance You are knowingly reporting a late payment that never existed, and doing so without documentation, without proper notice, and in conflict with the accounts own positive payment history.

This isnt a goodwill request. This is a formal legal demand to : Remove the false 30-day late payment for XX/XX/XXXX Update that month to reflect Pays as Agreed which is the only legally accurate classification If this issue is not corrected immediately, I will proceed with filing complaints with the FTC, Attorney General, and prepare for a civil claim under the FCRA for damages related to false credit reporting and failure to comply with statutory obligations.

This is your notice. I expect full compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have sent certified letters and priority mail to Capital One regarding a loan sent to them by XXXX XXXX XXXX XXXX in XXXX XXXX NC I sent documentation on XXXX, XXXX, and XXXX. I have also faxed documentation to them either on XXXX or XXXX. 

I explained to Capital One of violation and laws that my have been done by XXXX XXXX. I am missing key documents from my copy of the loan. I expressed to Capital One that they may co not have the same loan that was given to me at the dealership. After much research I have found out that I'm missing the Odometer Disclosure Statement, a Buyer 's Guide that is not complete and I did not sign but my signature is on the incomplete Buyer 's Guide, Proof of insurance that has my signature that I never signed and on a date I was not present at the dealership, Title Application or Power of Attorney, Privacy Notice, no disclosure of the car being a previous rental and had been in an accident, unsigned loan copy that I was given. I think I have attached all documents. I have a lot of documentation that I can provide if needed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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:
I am writing to formally request a detailed description of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, in accordance with 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this provision, I am entitled to a full explanation of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item.

Please provide this information within 15 days of receiving this request, as required by federal law and your responsibilities under the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: FL

Complaint narrative:
My credit score has dropped because of none payment and I paid it off and they still have it on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/year> I had hired a vehicle motor carrier to ship my car Texas. The motor carrier requested a deposit of {$290.00}. I paid for the deposit over the phone using my Chime Credit card on XX/XX/year>. Soon after I discovered the carrier company was operating under XXXX different names in order to conceal their reputation of running scams. XXXX out of the XXXX names used were not legally able to provide any type of service to any consumer. They were also in violation of many transportation laws under DOT and FMCA that regulate transportation companies. After cancelling my shipment, the fraudulent company refused to return my deposit and instead had kepty credit card and personal information to make an additional {$150.00} charges to my credit account. I had just been scammed out of {$440.00} and when it came disputing the charges, my bank Chime, refused to refund the charges and denied my claims. I strongly believe it was negligence on Chimes behalf, for failing to properly and thoroughly investigate the issue despite me providing a large amount of supporting documentation proving I was a victim of fraud Chime has denied all my disputes in the past containing amounts over {$100.00}. It I can not help to notice the pattern of Chime failing to stop such charges from being completed before the unauthorized transaction can be completed and the over all failure to provide their customer with competent people with integrity to protect my money from being taken. It couldn't be any more obvious that I had gotten a scammed and a victim of fraud. Chime seems to be purposely and systematically denying disputes to minimize any liability and losses. I believe my case wasn't given the proper effort that and attention to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: MT

Complaint narrative:
On Tuesday XX/XX/year>, I decided I was going to go through my bank statements and see what my balance was after each transaction, like balancing a checkbook. The bank app says I had a negative balance- {$25.00}, after going through all my transactions, I should have a positive balance of {$59.00}. So, I reached out through the chat after chatting with the representative she insisted on sending me a statement to double check that my negative balance was correct so I said fine. Got the statement went through everything again and still I should not be in the negative, so on the XXXX of XXXX I called and explained it to a representative, they placed me on a hold and hung up on me, the call was 29 mins and 53 secs. So the next morning I go to the chat and reach out again, this time I get the AI, it said I needed to file a dispute so I try that and it prompted me to get a call from a live agent and they're asking me questions, and I was like well I guess I'm filing a dispute for XXXX but I don't really know how this would be walmarts fault since they released the hold on the {$320.00} and only charged {$260.00}, and the guy said I needed to be transfer to account reconciliation and I was like okay. So I get transfered there and I'm speaking the representative and we went through every transaction with what the balance would be after each transaction, and we came up with the same number my balance should be at, and I was like so how am I negative then, mind you both my statements say I have a positive balance. He then puts me on a hold comes back and starts talking about how I went into the negative in one of my last 5 transactions, when I didnt and he knew that. So I tell him, transfer me to a supervisor, so he did after awhile and she was just so smug over the phone, and I could tell she enjoyed that I was getting upset and I demanded that I see where I went into the negative and she said I was not allowed to see that and ended up hanging up on me. I dont understand why they can admit that they are wrong and just give me my money back. I'm so disappointed in this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
I am submitting this complaint regarding a dispute involving a large order placed with XXXX on XX/XX/year>, in the amount of {$1400.00}, and the subsequent handling of the matter by both XXXX and Apple Card/Goldman Sachs , thXXXX issuer of my credit card. 

Shortly after receiving the shipment, I discovered that the majority of the order was incorrectly packed, consisting of completely wrong items. A small portion of the order was correct. I immediately notified XXXX and was under the impression that the issue would be resolved. XXXX provided a prepaid return label and issued partial refunds after receiving the returned items : {$84.00} was credited for the portion I returned directly to a retail store. 
{$900.00} was credited for the portion I returned via XXXX using XXXX return label. 

XXXX confirmed via email that they received the XXXX return. I followed up with XXXX phone calls to XXXX in an attempt to resolve the remaining balance. Both times I was told I would receive a follow-up, but I never heard back. 

Due to the lack of resolution, I filed a dispute with Apple Card/Goldman Sachs on XX/XX/year>. After minimal communication from them, I was notified on XX/XX/year>, that the dispute had been closed. Their explanation cited the {$84.00} in-store return and a lost in transit categorization for the {$900.00}, even though XXXX has XXXX receipt of the returned items via email. 

As of today, I am still owed {$420.00} from the original {$1400.00} purchase. I have made multiple, good-faith efforts to resolve this issue directly with both XXXX and Apple Card/Goldman Sachs . Due to the continued lack of responsiveness and inadequate resolution, I am now seeking assistance through the CFPB. 

I would appreciate your help in obtaining the full and fair refund I am still owed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating that they are assuming my disputes came from a third party, which is not true. I even called to verify my identity, yet they still refused to process my disputes. I spent money mailing my disputes and provided personal information to verify my identity, only for them to dismiss my request without a proper investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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 am writing to dispute the reporting of the account listed under XXXX XXXX ( account ending in XXXX as it appears on my credit report. I have attached correspondence from the data furnisher in which they acknowledge multiple errors and instruct me to contact your agency to address them. I also attached my dispute letter to your company which is dated and time stamped. 

Specifically, the following reporting elements are inaccurate : Date of Last Activity Date of Last Payment Payment History Additionally, XXXX XXXX has not provided any supporting documentation or statements validating the accuracy of the payment history they submitted, which includes inconsistent reporting across all three bureaus. They have not verified the accuracy of this account and have directed me to file this dispute with you directly. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), consumer reporting agencies are required to maintain and report only accurate and verifiable information. Since this account is being disputed by the furnisher itself and remains unsupported by evidence, I am formally requesting that you delete this tradeline entirely from my credit file. 

Please conduct a full reinvestigation and provide written confirmation of the deletion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: CLGF Holdco 1, LLC
State: IN

Complaint narrative:
Unauthorized transaction on statement. As I notice unusual statements balance Fiver Incnewyork XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 monetary relief
Consumer complaint received 2025-06-27 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: CLGF Holdco 1, LLC
State: IN

Complaint narrative:
Notice of unauthorized transactions XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 monetary relief
Consumer complaint received 2025-06-27 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:
I am writing to formally request a detailed description of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, in accordance with 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this provision, I am entitled to a full explanation of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item.

Please provide this information within 15 days of receiving this request, as required by federal law and your responsibilities under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief