vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 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: SC

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party

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 2025-10-27 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: PA

Complaint narrative:
This is my final notice. You have been repeatedly notified of the fraudulent accounts and unauthorized inquiries on my credit file, and you have failed to act. I am the consumer, and this letter is being sent directly by me. Do not insult my intelligence with another form letter or template response. Every day you delay is another day you are knowingly violating federal law. 
You now have official proof of identity theft in your possession. Continuing to report these fraudulent items after receiving that documentation is no longer a mistake it is willful noncompliance and will be treated as such. 
You Are in Direct Violation of Federal Law : 15 U.S.C. 1681b ( c ) You can not furnish or retain inquiries on my credit file for transactions I never authorized. Each unauthorized inquiry still showing is an independent violation. 
15 U.S.C. 1681c2 You are required to block identity theftrelated information within 4 business days once provided proper documentation. You have already received my FTC Identity Theft Report, government ID, Social Security card, and proof of address. Your failure to act is blatant noncompliance. 
18 U.S.C. 1028A ( Aggravated Identity Theft ) By continuing to report fraudulent data, you are knowingly enabling identity theft. This statute is criminal in nature. 
15 U.S.C. 1681i ( a ) You must reinvestigate disputed items. If you can not produce verifiable proof that I authorized these accounts or inquiries, you are legally obligated to delete them immediately. 
FCRA 616 & 617 Your continued inaction opens you to civil liability, including statutory damages, punitive damages, and attorneys fees. 
Fraudulent Accounts and Inquiries ( Already Documented ) : XXXX. XXXX Account XXXX : XXXX These are identity theft items not mine, not authorized, not valid. Every additional day they remain on my report causes ongoing harm to my credit, finances, and legal 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 non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NJ

Complaint narrative:
CHIME - They closed my account after disputing, fraudulent activity in my account XXXX {$460.00} XXXX {$480.00} XXXX {$160.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: CA

Complaint narrative:
XXXX writing you again regarding an unresolved dispute I submitted about inaccurate late payment ( XXXX ) being reported on my credit file. Since you failed to correct or remove the account despite clear legal grounds, I have now submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ). This letter serves as a final demand for resolution before taking further legal steps. 
Account Details in Dispute : XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Issue : XXXX  and XXXX  are reporting inaccurate and unverifiable information about a collection account ( LVNV Funding LLC ). XXXX  has already deleted this account after reinvestigation. 

What happened : - I disputed the LVNV Funding account with all three bureaus.- XXXX  removed the account in XX/XX/2025 as unverifiable. 
XXXX  and XXXX  continue to report the account with conflicting and inaccurate information ( marked both Open and Placed for Collection, inconsistent dates, duplicate remarks ).

- I received a validation packet from LVNV/Resurgent , containing only a copy of a " XXXX XXXX '' Statement but it did not resolve the reporting inaccuracies or explain why XXXX  deleted the account.

Supporting evidence - XXXX  deletion letter.- XXXX XXXX screenshots ( showing inaccurate XXXX/XXXX  reporting XXXX XXXX Resurgent validation packet.- Prior dispute letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: CA

Complaint narrative:
I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. However, after reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this second-round dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report. 
XXXX XXXX XXXX XXXX XXXX : {$0.00} 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 2025-10-27 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: CA

Complaint narrative:
I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. However, after reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this second-round dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report. 
XXXX XXXX XXXX XXXX XXXX : {$0.00} 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 explanation
Consumer complaint received 2025-10-27 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: AL

Complaint narrative:
Please remove these fraudulent accounts from my credit report within XXXX business days from this dispute otherwise i will seek legal action under my FCRA rights. thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: LA

Complaint narrative:
On XX/XX/XXXX the bureau issue in order against us Bank in connection with its administration of prepaid debit cards that have unemployment insurance benefits. U.S. Bank office prepaid debit cards to eligible consumers to distribute unemployment insurance benefits through its ReliaCard program. In XXXX of XXXX XXXX bank implemented new freeze criteria to determine whether to freeze a car due to suspected fraud. The bureau found that u.s. Bank violated of the Consumer Financial Protection Act of XXXX by failing to provide eligible ReliaCard prepaid debit debit card holders whose accounts u.s. bank froze with adequate means to verify their identities and Timely regain access to their benefits. The the bureau also found that US Bank violated the electronic fund transfer at and is implementing regulation XXXX by failing to timely investigate ReliaCard prepaid debit card holders notices of error concerning alleged unauthorized electronic fund transfers. The order also require US Bank to take measures to ensure future compliance. the XXXX concurrently issued and order against US Bank addressing XXXX Banks conduct related to administration of ReliaCard program separately finding it {$15.00} XXXX. On XXXX XXXX XXXX to the bill rules XXXX XXXX XXXX USC XXXX ( b ) ( XXXX ) under paragraph XXXX of the order the bureau terminated the order and waved any alleged non-compliance thererwith. U.S. Bank has fulfilled certain obligations under the order including among other things paying a civil money penalty of {>= $1,000,000} to the XXXX XXXX require d by section XXXX of the order making redress payments required by section XXXX, of the order taking steps to implement injunctive relief to prevent future violation required by conduct provisions of the order.

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 2025-10-27 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: VA

Complaint narrative:
I filed a dispute with Equifax on XXXX about the class action settlement between XXXX XXXX, et al. v. Equifax Information Services, XXXX. Details about the case are below. 

If you financed a solar power installation through Power Home Solar ( also known as XXXX XXXX ) using a loan from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Bank, or Dividend Solar Finance, XXXX, and that loan was reported on your Equifax credit report since XX/XX/XXXX, you may be eligible to receive relief from a class action settlement. 

Equifax Information Services, XXXX has agreed to a settlement in a class action lawsuit alleging it violated the Fair Credit Reporting Act ( FCRA ) by reporting certain solar panel financing accountsreferred to as XXXX XXXX XXXX XXXX XXXX reports. 

Who is eligible for injunctive relief? 

According to the official settlement website, you are a class member if you meet all of the following criteria : You reside in the United States and had a XXXX XXXX XXXX reported on your Equifax credit file at any time from XX/XX/XXXX through XX/XX/XXXX. 

The XXXX XXXX XXXX was used to finance solar panels or related products from XXXX XXXX. 

Your XXXX XXXX XXXX was financed through XXXX of these entities : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX Bank XXXX XXXX XXXX, XXXX The XXXX XXXX XXXX was reported by XXXX of the specified lenders on Equifax XXXX files. 

What does the settlement provide for class members? 

This settlement provides injunctive relief. There is no monetary payment to class members. 

The following benefits will be provided to all class members : Equifax will remove and suppress XXXX XXXX loan accounts from your credit report Any tradelines current reporting on a class member 's Equifax XXXX XXXX that XXXX to XXXX XXXX XXXX XXXX XXXX deleted. 
Equifax will suppress XXXX XXXX XXXX tradelines so they will not appear in the future. 
Equifax will also implement internal procedures to suppress or delete XXXX XXXX XXXX tradelines if a class member disputes the tradeline under the FCRA. 

This class action was filed by consumers who alleged that Equifax violated the FCRA by including certain solar panel financing accounts XXXX XXXX XXXX XXXX ) in consumer credit reports. Plaintiffs argued that these loans were part of an unlawful scheme and that Equifax should have known not to report them. 

Equifax denies any wrongdoing but agreed to settle to avoid the burden of further litigation and a trial. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
XXXX refuses to let me send or transfer money & my background is saying consider whenever Ive taken care of my charges on my background

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: FL

Complaint narrative:
This is now my third and final notice regarding inaccurate late payment entries that remain on my credit file. Despite my previous disputes and your legal obligation to maintain accurate reporting, you have failed to delete or correct the entries in question. This ongoing failure constitutes a blatant violation of the Fair Credit Reporting Act ( FCRA ) and federal billing laws. 
This account was always paid as agreed. The reporting of a late payment is inaccurate and must be corrected. This constitutes a billing error under 15 U.S.C. 1666B. 
No notice of any due date or missed payment was received, violating fair notice requirements under the law. 
Accounts in Dispute : XXXX. XXXX Account Number : XXXX You Are Now in Violation of Multiple Federal Laws : FCRA 1681e ( b ) You must report only accurate and complete information. Reporting a late payment without verifying proper notice is inaccurate. 
FCRA 1681s-2 ( a ) ( 1 ) ( A ) Furnishers must report responsibly. Reporting a consumer late without notice is irresponsible and unlawful. 
FCRA 1681i ( a ) You are required to reinvestigate disputed items. If no supporting documentation exists, the item must be deleted.

15 U.S.C. 1666B Late fees and penalties can not be imposed unless the consumer is properly notified of due dates in a timely manner. Failing to meet this standard qualifies as a billing error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: NY

Complaint narrative:
I am submitting this formally dispute inaccurate and outdated information currently appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these items be thoroughly investigated, corrected, or removed in accordance with federal law. I am a responsible consumer who has worked diligently to maintain accurate and verifiable records. Unfortunately, some of the information listed on my report does not belong to me or is reported inaccurately, and it is negatively affecting my credit profile. Below are the specific items in question. 
Inaccurate Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-27 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I opened my credit card with Amazon XX/XX/year>. I made all of my payments on time and once I decided to pay my whole balance off in XXXX or XXXX, they closed out my account the same week! This is super frustrating and I have no idea why my card was closed out. The credit limit on the card wasnt much but it still effects my utilization and I would like to know why my card was closed even though I was current on payments and even payed the entire balance?

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 2025-10-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC
State: TX

Complaint narrative:
i took out a loan for {$10000.00} on XX/XX/year>, which included a finance charge of {$100.00}. total interest of the loan over 4 year period if making required minimum payments would of totaled to {$6600.00}. 
The company rolled the interest amount over to show it as principle. on XX/XX/year> i made a payment of {$10000.00} and on XX/XX/year> i made an additional payment of {$80.00} because i didnt cover all of the original amount of principle which would of been {$10000.00}. Originally i was informed over the phone if all of the principle was paid within the first year, i would not owe any interest from the loan. on XX/XX/year> i made an additional payment of {$200.00}. since my last payment i have contacted the company multiple times, in regards of closing the loan and requesting how much principle was left of the loan, they keep giving me an amount that correlates with them adding interest each month as if the principle hasnt been paid down and the total interest was split up evenly for each month of the 48 months. I have requested to speak with management and have not been able to resolve my issue or get a straight answer about what is legally owed since i paid a lump sum of {$10000.00} prior to the loan being open a full month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: FL

Complaint narrative:
After my previous dispute, Equifax updated the XXXX XXXX XXXXXXXX account XXXX  ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, but the underlying reporting errors remain unresolved. 

Equifax modified the account remarks while the item was still under dispute, without providing any original documentation from the original creditor XXXX XXXX XXXX XXXXXXXX ) or legal authorization to alter the account during an active dispute. 
This action is improper and potentially unlawful, as changes can not be made to disputed information without proper verification or documentation from the furnisher. 

The fact that Equifax updated remarks but left the same factual inconsistencies including conflicting dates and contradictory status ( Paid / Closed {$0.00} balance vs. Late XXXX  Days ) demonstrates that no proper reinvestigation or verification of records took place.

This behavior may violate : FCRA 607 ( b ) duty to maintain maximum possible accuracy FCRA 611 failure to conduct a reasonable reinvestigation and provide proper verification

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: CA

Complaint narrative:
Company : I.Q. Data XXXX XXXX XXXX. Product : Credit reporting / debt collection I am complaining that I.Q. Data XXXX XXXX XXXX reported and attempted to collect on an invalid debt that I disputed in writing. 

I leased Apartment # XXXX at XXXX XXXX XXXX, XXXX, XXXX. The landlord breached the lease by failing to control excessive XXXX noise from an adjacent laundry facility, forcing me to vacate on XX/XX/XXXX after proper notice and key return. The landlord never refunded my {$500.00} deposit or re-rented timely. 

I.Q. Data first contacted me on XX/XX/XXXX and reported the tradeline to credit bureaus on XX/XX/XXXX before validating the debt, violating 15 U.S.C. 1692g. I disputed in writing on XX/XX/XXXX and sent a certified pre-litigation demand on XX/XX/XXXX, yet the tradeline remains. 

During a phone call with XXXX of their representatives, I was told Enjoy having a negative mention on your credit report for XXXX  years. This statement was intended to harass, mislead, and threaten me, and shows malicious disregard for the law and consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Im not sure or cant remember date but while back ago I had received a email from capital one credit card company, saying that my card had been used at XXXX store and hadnt used the card at the store or online, Ive called them to confirm it and asked them to cancel my credit card, Ive told them that I will not pay for any charges that I didnt make, capital one had charged me a late fee charge because of the issue, I had reach back out to asked capital one to closed my account, capital one has still charged me late charge and interest even though the credit card account is closed,

Company response to consumer: Closed with explanation