vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Date : XX/XX/XXXX To : [ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) where this account is being reported ] [ Credit Bureau XXXX ] Subject : Formal Dispute of Inaccurate Information Dear XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I am writing to formally dispute inaccurate and potentially unlawful information being reported on my credit file under an account listed by Amex ( originally opened on XX/XX/XXXX ) with a balance of {$4100.00} and a status of Charge-off. 

Upon review of my credit report, I have identified the following discrepancies : Inaccurate & Incomplete Payment History The account reflects XXXX XXXX  on-time payments, but fails to show accurate payment history prior to the charge-off. 
There are months marked as Unknown in XXXX and XXXX, violating the FCRAs requirement for accurate and complete data reporting. 
Payment data for XXXX is missing entirely, which raises questions about how the derogatory timeline was calculated. 

Possible Re-Aging of the Account The payment history shows continued monthly updates of Derogatory marks in XXXX and XXXX, despite the account being charged off well over a year ago. 
This XXXX indicate re-aging of the account, which is illegal under FCRA if the original date of first delinquency is being misrepresented. 

No Notification of Reinsertion If this account was previously deleted or suppressed and has now reappeared, I have not received proper notification within XXXX business days of reinsertion, as required under FCRA Section 611 ( a ) ( 5 ) ( B ).

Request for Immediate Action Pursu
ant to the Fair Credit Reporting Act, I respectfully request the following : 1. Immediate reinvestigation of this account.

2. Full validation and documentation from the data furnisher ( American Express ) of the original delinquency date and payment records.

3. Removal of any inaccurate, incomplete, or unverifiable data from my credit report.

4. A detailed explanation of how the payment history, charge-off date, and balance are being calculated and reported. 
5. If unverifiable, please delete this account from my credit profile. 

Please complete the reinvestigation within the XXXX timeframe required by law and send me a written response with the results of your findings. 

Thank you for your attention to this matter. I am asserting my rights under the FCRA to ensure that only fair and accurate information is reported on my credit file. 

Sincerely, XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: CT

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NY

Complaint narrative:
On Friday the XXXXXXXX XXXX XXXX around mid XXXX XXXX, I received a call from someone named XXXX XXXX from " Chime. '' Prior to this, I got a text message claiming to be the DMV saying I had an unpaid toll so I put in my card number and I use Chime so I paid the toll. Turns out it was a scam because later on I lost {$25.00}. So I quickly closed my card and have been waiting for my new card. Then on Friday XXXX as mentioned before, I received a call from XXXX XXXX from " Chime '' and he claimed that I needed to transfer my funds from my bank account to my new Chime card. I lost {$1300.00} and I called Chime. Chime told me it was a scam so I filed a fraud claim and dispute to get my money back because it was an unauthorized transaction. Chime told me they were going to investigate and apologized that this happened to me and claimed they would try to get the money back to me in credit. The person on the phone kept stating that this would be treated as an unauthorized transaction. So I got an email from Chime today, XX/XX/XXXX, in the morning and they claimed they made an investigation and they claim they can't do anything about it. They closed the claim I made and stated that no error occurred. This is ridiculous and I am am extremely frustrated because I put in hours of work to get this money. I am a XXXXXXXX XXXX and I work extreme hours for my money. I am disappointed with how Chime handled things and honestly it seems they do not care since many people have also gone through the same thing with Chime. Chime has failed to protect me as a customer and I am seeking assistance from the CFPB to reopen the investigation and hold Chime accountable for failing to address a clear case of fraud. Two days is not enough for an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: LA

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
this was during covid. I had a waiver. and I moved out owing nothing. they put it on my report. maliciously {$4000.00}.. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I sent a formal debt validation request to Professional Debt Mediation LLC under my rights provided by the FDCPA. Their response did not include the legally required documentation to validate the debtthere was no signed contract, no itemized balance, and no detailed billing history. 

I've tried to solve this situation MULTIPLE TIMES with the company and as well with XXXX and I haven't received any proper validation Despite their failure to validate the debt properly, the account continues to be reported to TransUnion. This is a violation of my rights under the FDCPA and the FCRA, as unverified information can not legally remain on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: FL

Complaint narrative:
My personal information continues to be compromised due to data breaches which is the reason for my credit being in current condition from fraudulent and inaccurate accounts reporting. Attached will be FTC reports containing all accounts that need to be deleted and ceased from reporting to my credit profile. I also will attach supporting documents of letters that I have received stating how my credit continues to be compromised from thieves in other places trying to acquire assets in other states.

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 2025-07-21 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-21 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-21 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: MI

Complaint narrative:
Executor Letter of Notice and Demand for Correction From the Office of the Executor : Estate of XXXX XXXX XXXX XXXX Mailing Address : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, MI XXXX XXXX XXXX : XXXX | MID : XXXX Date : [ Insert Todays Date ] TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Re : Notice of Error in Credit Reporting FCRA XXXX FDCPA, TILA, and XXXX Estate XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I, the undersigned Executor, having lawful authority over the Estate known as XXXX XXXX XXXX XXXX XXXX hereby issue this formal Notice and Demand for Correction under penalty of perjury and in full compliance with applicable laws and fiduciary duties. 

Upon inspection of my TransUnion credit report dated XX/XX/year>, your institution is shown to be furnishing XXXX ( XXXX ) separate tradelines under the name XXXX XXXX, both reporting as open revolving XXXX  XXXX  accounts with over-limit balances : {$2100.00} out of {$2000.00} ( 107 % ) {$2000.00} out of {$2000.00} ( 103 % ) This is a material misrepresentation, as only XXXX XXXX XXXX XXXX XXXX XXXX account was ever lawfully opened and executed with XXXX XXXX XXXX XXXX. There is no second account, no second application, and no disclosure, offer, or acceptance of such an instrument. 

This erroneous double reporting is in direct violation of multiple federal laws, including but not limited to : Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX et seq. 
XXXX ( a ) ( XXXX ) ( A ) : Duty to furnish accurate information XXXX : Failure to reinvestigate disputed information XXXX ( b ) : Duty of data furnishers to ensure maximum possible accuracy Truth in Lending Act ( TILA ), XXXX XXXX XXXX et seq. 
Failure to properly disclose material terms of alleged duplicate account Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX XXXX et seq. 
XXXX ( XXXX ) : False representation of the character or legal status of any debt Consumer Financial Protection Act ( XXXX ), XXXX XXXX XXXX Prohibition against unfair, deceptive, or abusive acts or practices ( UDAAP )

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 2025-07-21 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-21 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Service Company
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, This letter is being sent in response to a collection notice I received from your agency. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, I am exercising my right to request validation and verification of the alleged debt you claim I owe.

Under federal law, you are required to provide me with the following information : 1. The name and address of the original creditor ; 2. The amount of the alleged debt, including an itemized breakdown of interest, fees, or other charges ; 3. A copy of any signed agreement or contract that verifies I am legally obligated to pay the debt ; 4. Proof that you are authorized to collect this debt and that your agency is licensed in my state, if applicable ; 5. The full chain of
custody for the debt if it was sold or transferred.

Until proper validation is provided, you must cease all collection activity, including contacting me by phone or mail, and you may not report this debt to any credit reporting agency. If the debt is already being reported, you must mark it as disputed per 15 U.S. Code 1692e ( 8 ).

Please note, any further attempts to collect this debt without providing the requested validation is a violation of federal law, and I will not hesitate to report such violations to the Consumer Financial Protection Bureau ( CFPB ) and my state attorney general.

This is not a refusal to pay but a request for validation pursuant to my rights under federal law.

The account number is unknown but the last 4 of my social is XXXX Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Army and Air Force Exchange Service
State: GA

Complaint narrative:
I am a XXXX veteran and USPS employee being wrongfully garnished by AAFES/ Military Star for a charged-off account that was closed in XX/XX/XXXX. Despite this, both XXXX XXXX XXXX  continue to report this account as active, delinquent, and in collections as of XX/XX/XXXX nearly two years later. 

The account still shows a past-due balance of {$3000.00}, with no acknowledgment of the {$2600.00} already garnished from my wages under Other Agency Indebtedness. XXXX shows the account as 90 days late in XX/XX/XXXX, while XXXX shows the same balance last updated on the same date even though no payments or charges have occurred since XXXX. This is a textbook case of illegal re-aging and inaccurate reporting in violation of : 15 U.S.C. 1681c ( a ) ( 4 ) ( re-aging of derogatory tradeline ) 1681s-2 ( a ) ( 1 ) ( A ) ( furnishing false information ) 1681s-2 ( b ) ( 1 ) ( C ) - ( E ) ( failure to investigate and correct ) 1681s-2 ( b ) ( 1 ) ( D ) ( inconsistent reporting across CRAs XXXX  lists this as a Charge Card/Collection ; XXXX lists it as a XXXX XXXXXXXX  ) These reporting errors have caused me credit denials, emotional distress, and financial hardship. I sent a certified demand letter to AAFES disputing the account and requesting deletion, refund of garnished wages, and correction of all reports. They have not responded or resolved the issues. 

I am requesting : Immediate deletion of the account from all CRAs Cease and refund all garnishments Full correction of credit files Compensation for damages under 15 U.S.C. 1681n and 1681o

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 2025-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am writing to formally dispute the collection account associated with my name and credit file. This account is the result of identity theft following the loss of my card, and I am requesting its immediate deletion in accordance with federal law.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c-2, I am exercising my right to block information resulting from identity theft. The account in question is not a valid debt that I authorized, and it was opened or used without my permission after my card was lost.

In addition, under FCRA 1681i, I request a reinvestigation of this account and removal from all credit reporting agencies. The FCRA also requires that only accurate and verifiable information be reported.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, I also request full validation of the debt, including : 1. Proof that the debt is mine.

2. A copy of any agreement bearing my signature.

3. Proof that you are legally authorized to collect this debt.

Because this debt is tied to identity theft and unauthorized use of a lost card, you are required to cease collection efforts and remove the account from my credit file. 

Please respond within 30 days as required by federal law. Failure to comply may result in legal action or complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX : XX/XX/XXXX SSN : XXXX XX/XX/XXXX RE : Request to Block and Delete Fraudulent Accounts under 15 U.S.C. 1681c-2 To Whom It May Concern, I am writing to formally dispute and demand the immediate blocking and deletion of multiple unauthorized and inaccurate accounts on my credit report, under my rights provided by 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. 

My personal identifying information was compromised by a former spouse, who accessed and misused my data without my consent or authorization. As a result, the following accounts were opened fraudulently or reported inaccurately and do not belong on my credit file : XXXX. XXXX XXXX XXXX XXXX Opened without consent XXXX. XXXX XXXX Opened without consent XXXX. XXXX XXXX Opened without consent XXXX. XXXX XXXX XXXX XXXX Opened without consent XXXX. XXXX XXXX XXXX Collection Reporting inaccurate information XXXX XXXX XXXX XXXXXXXX Account Opened without consent I did not open, authorize, or have knowledge of these accounts at the time they were created. Therefore, I am requesting that you block and delete all references to these accounts from my credit report within four ( 4 ) business days, in compliance with the requirements of 15 U.S.C. 1681c-2.

Company response to consumer: Closed with non-monetary relief