vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-19 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: FL

Complaint narrative:
To Whom It May Concern, This letter serves as a follow-up complaint and formal notice to the Consumer Financial Protection Bureau ( CFPB ) regarding ongoing violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by Equifax Information Services LLC and multiple data furnishers, including XXXX XXXX 

On XX/XX/XXXX, I submitted a written dispute to Equifax identifying several accounts being inaccurately reported on my credit file. 
Despite my request for full validation and lawful reinvestigation, these accounts continue to appear on my credit report without proper verification or documentation, violating federal law. 

On XX/XX/XXXX, XXXX XXXX sent a settlement offer letter ( Acct # XXXX XXXX ), but again failed to include any validation, original contract, or proof of assignment confirming that this debt remains unverified and should not be reported. 

This continued reporting, after formal dispute, constitutes a willful violation of FCRA 1681i ( a ) ( 1 ) ( A ) and 1681s-2 ( a ) ( 1 ) ( A ), as well as FDCPA 809 ( b ).

Accounts Previously Disputed and Still Reporting Inaccurately * XXXX XXXX Acct # XXXX Still reported as charge-off with no proof of validation or permissible purpose. 

* XXXX XXXX XXXX XXXX XXXX Acct # XXXX Still reported as active collection without chain of assignment or validation. 

* XXXX XXXX XXXX XXXX Acct # XXXX Charge-off remains unverifiable ; no documentation received. 

* XXXX XXXX XXXX  Acct # XXXX Inconsistent and unverifiable late payments and charge-off reporting. 

* XXXX XXXXXXXX XXXX  Acct # XXXX XXXX supporting documentation or payment history provided. 

* XXXX XXXX Acct # XXXX Continues to report unverified account and unauthorized hard inquiry. 

* XXXX Acct # XXXX Still listed as charged off with inaccurate balance. 

* XXXX XXXX Acct # XXXX Reported charge-off remains unverifiable. 

* XXXX XXXXXXXX XXXX  Acct # XXXX No evidence verifying delinquency or accurate reporting dates. 

* XXXX Acct # XXXX Still reporting as charge-off without substantiating records or permissible purpose. 

Federal Law Violations and Noncompliance The continued reporting of these accounts after a formal dispute violates multiple sections of federal law, including : FCRA 1681i ( a ) ( 1 ) ( A ) : Failure to conduct reasonable reinvestigation within 30 days.

FCRA 1681i ( a ) ( 5 ) ( A ) : Requirement to delete unverifiable information.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Prohibition on reporting information known to be inaccurate.

FCRA 1681e ( b ) : Duty to maintain maximum possible accuracy.

FDCPA 809 ( b ) : Duty to cease collection and validate debt upon written request.

FCRA 1681n & 1681o : Civil liability for willful and negligent noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: TX

Complaint narrative:
Fraudulent information being reported and I have been a victim identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: TX

Complaint narrative:
PLEASE BLOCK AND REMOVE. 
This account has caused me considerable emotional distress and sleeplessness. Ive included all necessary documentation and urgently request its removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 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: MI

Complaint narrative:
XXXX XXXX account Account Number : XXXX Im writing to dispute the XXXX XXXX account thats showing on my credit report. After carefully reviewing my reports from all three credit bureaus, I noticed some major differences in how this same account is being reported. 

For example : One report shows the account as open, while another lists it as closed, and another labels it derogatory. 

The dates and payment history also dont match between reports. 

It still shows a balance, even though the account is marked closed on other reports. 

These kinds of inconsistencies mean the account information isnt accurate or reliable. Under the Fair Credit Reporting Act, any information on my credit file must be complete and correct. If XXXX XXXX or your bureau cant fully verify and fix these errors, this account should be deleted from my credit report. 

Im asking that you reinvestigate this account and remove it if it cant be verified properly. Please send me a written response once the investigation is done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc
State: NV

Complaint narrative:
On XX/XX/year>, I attempted to open a checking/savings account with Chime. I submitted all required identification and fully complied with all standard application procedures. Despite meeting every eligibility requirement, my application was arbitrarily and unlawfully denied without explanation. 

I immediately requested detailed information from Chime regarding the denial, including verification requirements, eligibility issues, and steps to correct any potential problems. Chime refused to provide any explanation or resolution, constituting a violation of federal consumer protection laws, including the Equal Credit Opportunity Act ( XXXX U.S.C. XXXX ), the Federal Trade Commission Act, XXXX XXXX, and other applicable statutes and regulatory codes. 

I further invoke my sovereign consumer rights, common law protections, matrix system codes, and XXXX XXXX XXXX ( XXXX XXXX ) XXXX, demanding the immediate deletion, nullification, and removal of all false, unauthorized, or inaccurate accounts reported under XXXX XXXX XXXX, Social Security last XXXX XXXX. These accounts are legally invalid, unenforceable, and in direct violation of federal, state, and sovereign codes. 

I demand that Chime : XXXX. Provide a full written explanation for the account denial. 


XXXX. Immediately reinstate my ability to open an account. 


XXXX. Permanently remove all false accounts and reporting under my name and SSN. 


XXXX. Confirm compliance in writing within XXXX calendar days, in accordance with CFPB oversight, federal law, and sovereign enforcement authority. 



Failure to comply constitutes willful violation of consumer rights, fair banking access, and legal codes, and may result in escalated action under federal, state, and sovereign enforcement provisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Professional Debt Mediation, Inc.
State: NE

Complaint narrative:
This debt was incurred and posted on credit report in XX/XX/XXXX. Date has been changed in order to continue to list on report from XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: NV

Complaint narrative:
Subject : Formal Dispute & Deletion Request Charge-Off Account Reporting Violations I am formally disputing the accuracy and compliance of the above-referenced charge-off account as reported on my credit file. Upon close review, I have identified multiple violations of Metro 2 reporting guidelines and FCRA 623 ( a ) ( 1 ) ( A ), which require data furnishers to provide complete and accurate information.

Specifically : - The Account Status ( Metro 2 Base Field 17A ) and Payment Rating ( 17B ) fields are inconsistent with the required coding for charge-off accounts ( Status 97 with matching L rating ). - The Date of First Delinquency ( Base 25 ) is either missing, inaccurate, or has been re-aged to extend the reporting period, violating FCRA 605 ( c ).

- The Payment History Profile ( Field 18 ) does not accurately reflect the delinquency timeline that led to charge-off.

- If this account involves foreclosure or deed-in-lieu, it has been incorrectly reported with Status 97 after foreclosure, which Metro 2 strictly prohibits .

- These reporting inconsistencies materially misrepresent the history and status of the account, making the tradeline inaccurate and incomplete under the FCRA.

Under FCRA 611 ( a ), I request that you conduct a proper reinvestigation of this tradeline and either bring the reporting fully into Metro 2 compliance or delete the account entirely from my credit file.

Failure to maintain accurate reporting after notice of dispute constitutes willful noncompliance under FCRA 616 & 617, and may be subject to civil liability.

Please provide written confirmation of deletion or correction within 30 days of receipt of this letter, as required by law. 
Sincerely, XXXX XXXX Optional Add-On Paragraphs : Re-Aging Violation : The DOFD has been unlawfully re-aged to a later date to extend the reporting period, violating FCRA 605 ( c ).

Post-Foreclosure Error : A charge-off ( Status 97 ) was reported after foreclosure ( 89/94 ), which violates Metro 2 reporting standards.

Incorrect Status/Payment Rating : The Status 97 is not paired with the required L Payment Rating or correct PHP history, making this tradeline inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 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: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
On XX/XX/year>, I requested immediate correction or deletion of accounts pertaining to, myself, XXXX XXXX, related to an account. The documentation that was requested by me regarding this account, that wasn't received, were the following : - I requested that the accounts listed above be reviewed and corrected or deleted in their entirety, ensuring compliance with all applicable laws and fiduciary duties. 
- If corrections or deletions are not made, I demand access to all pertinent information, including but not limited to : - All accounting information and financial instruments related to these accounts. 
- Proof of authority over the accounts or the estate. 
- Details and identification of all parties involved in any investigations or proceedings concerning these accounts or the estate. 
- Any and all documentation supporting the current status or actions taken regarding these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: OH

Complaint narrative:
An account with XXXX collections were previously reported on my account and was removed. The account has reappeared and should not be. On XX/XX/XXXX. XXXX sent me a letter, stating the account would be closed. I have resubmitted that information to Transunion on XX/XX/XXXX. The account has been placed again on my credit profile after another removal.

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 2025-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Adelante, Inc
State: FL

Complaint narrative:
Account XXXX XXXX XXXX starting # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified mail with receipt displaying my signature. If not, please delete this account as soon as possible from my report or I will have to take action.

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 2025-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I've been getting emails from XXXX about a debt owed to LVNV Funding LLC for a year or two now on a debt I don't recognize and don't believe is valid. I finally replied and asked them for proof of debt, and received immediate response ( s ) saying all debt collections/notifications would stop while they requested this proof and provided here. After nearly two months, no proof has arrived and they have resumed their emails, in violation of consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 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:
Please correct my credit report by deleting this unauthorized inquiry. I am not connected to the associated creditors, and it should not appear on my file.

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 2025-10-19 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: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax & XXXX  credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX Equifax &  XXXX credit report on XX/XX/2025, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 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: DISCOVER BANK
State: OH

Complaint narrative:
I have repeatedly requested Discover open a dispute for recurring charges from XXXX / XXXX. I never authorized recurring billing, and I have canceled future charges through the merchants secondary website. 

Despite citing my rights under the Fair Credit Billing Act, Discover refuses to open a dispute, instead telling me to contact the merchant directly. The merchant provides no functional contact method and intentionally conceals how to cancel or reach them. 

Ive requested Discover open the dispute and block the merchant multiple times ( documented in their message center ). Each time, they avoid doing so, claiming to be awaiting information or insisting I contact the merchant first.

I have screenshots showing Discovers repeated refusal to act on my dispute requests. I am requesting that : 1. Discover open a formal dispute for all unauthorized recurring charges.

2. Discover confirm the merchant is blocked from future billing attempts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 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: WI

Complaint narrative:
Ive repeatedly asked Experian to investigate and provide me with valid proof on where they got the information for the bankruptcy they are reporting on my credit report. They have repeatedly refused to provide the information. This is despite me proving to them ( with letters from courthouse ) that the courts do not report to the credit agencies nor do they verify bankruptcies. Also, the address associated with the bankruptcy is not my address. Furthermore, the full social security number is not listed on the bankruptcy website nor is it verified or provided to credit agencies. This bankruptcy has never been properly validated by Experian. It is not reported on XXXX XXXX, XXXX or XXXX XXXXnd yet Experian continues to falsely report it and violate FCRA regulations and guidelines as well as my consumer rights.

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 2025-10-19 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: EQUIFAX, INC.
State: NV

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 XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief