vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: TX

Complaint narrative:
I am filing this formal complaint to report that Chime has failed to follow federal guidelines regarding dispute resolution under Regulation E and the Electronic Fund Transfer Act. Despite repeated requests, I have not received written documentation of their final decision or supporting evidence used to deny my dispute. 

Background : I filed a transaction dispute with Chime on XX/XX/year>, regarding [ brief description of the charge e.g., an unauthorized hotel charge ]. 

Chime has claimed that the merchant had until XX/XX/year> to respond, but this contradicts the XXXX maximum timeline under Regulation E, which would have required a resolution by XX/XX/year> at the latest. 

As of today ( XX/XX/year> ), Chime has not provided any written communication, formal denial letter, or evidence packet supporting their decision. 

Improper Handling by Chime : I was not given a written explanation of the denial, despite multiple requests. 

I have no access to internal chats, notes, or decision documentation. 

On XX/XX/year> at XXXX XXXX, I spoke with Agent XXXX from Chime, who refused to provide written proof or escalate the issue to someone who could. 

Chime continues to stonewall by referencing vague policies without actually issuing required written notifications. 

Violations : Failure to adhere to 45-day timeline for dispute resolution No written determination provided No supporting evidence shared with the consumer Inaccurate explanation of merchant response deadline Blocking access to internal investigation data or communication history Refusal to comply with a reasonable request for written proof of denial Action Requested : I request that the CFPB immediately : Investigate Chimes dispute process and confirm whether they are violating Regulation E Enforce penalties or corrective action against Chime if non-compliance is verified Require Chime to provide me with : A formal written decision All evidence, notes, or internal documentation used to process my dispute Provide any remedies, including restitution or further action, as deemed appropriate I am attaching all communications I have, and I am available for follow-up. 

Thank you for your time and help in ensuring consumer protection laws are upheld.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-01 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: NC

Complaint narrative:
I paid off my XXXX XXXX Credit card during early XX/XX/year>. The company reported suspended my card. This card has fraudulent practices as I never was able to use my card or update information to be able to use my card. While I don't want it closed. They need to provide to the credit reporting agencies that I have a XXXX balance and in good standing. The remarks made are derogatory and damaging to my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: NC

Complaint narrative:
I paid off my XXXX XXXX Credit card during early XX/XX/year>. The company reported suspended my card. This card has fraudulent practices as I never was able to use my card or update information to be able to use my card. While I don't want it closed. They need to provide to the credit reporting agencies that I have a XXXX balance and in good standing. The remarks made are derogatory and damaging to my report.

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 2025-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX is reporting a medical collection account for {$670.00} from XXXX XXXX XXXX XXXX. I have formally disputed this debt and requested verification. To date, I have not received any billing statements, treatment records, or Explanation of Benefits ( EOB ) to confirm this is a valid and accurate debt. 

Additionally, the balance is still being reported as delinquent despite the active dispute. This is a violation of the FCRA and potentially HIPAA if medical information has been shared improperly. Reporting disputed information without proper investigation violates Section 611 of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: AR

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-01 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: GA

Complaint narrative:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

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 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XX/XX/year>, my wife and I opened a new Chase checking and savings account. We deposited {$2500.00} via wire and a {$1300.00} reimbursement check from my insurer, XXXX. Chase cashed the check and credited the {$1300.00} to our account. 

Shortly after, Chase froze the account due to a fraud flag. I visited the branch, shared the original check, called Chase support, and involved XXXX directly. Chase now refuses to unfreeze the account unless XXXX provides direct verification which XXXX has confirmed they are unable to do. 

I have submitted all possible documentation, including an Explanation of Benefits from XXXX and the original check. Despite this, Chase is still withholding the {$1300.00} that was already cashed. 

Chase returned the {$2500.00} to me in cash, but the {$1300.00} remains locked in the frozen account, and we can not access it. 

We are being charged account fees, can not close the account, and can not pay credit cards due to this blockage. Ive spent over XXXX hours trying to resolve this with no meaningful progress.

Im requesting : -Immediate release of the {$1300.00} check funds or full closure of the account with funds returned -Reversal of any fees -Confirmation that this will not impact my credit -A formal review of Chases handling of this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: NV

Complaint narrative:
I didnt authorize these accounts in my name I ask for these accounts to be removed in my name under the FCRA Section 1681c-2

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 2025-07-01 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-07-01 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX Account Number : [ 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 2025-07-01 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Equifax Information Services XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all XXXX XXXX XXXX  REMOVED from my credit report, except for XXXX XXXX XXXX XXXX XXXX listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: TX

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-07-01 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-07-01 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: MS

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-01 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: MS

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: Exeter Finance, LLC.
State: VA

Complaint narrative:
Unauthorized tow, My property inside vehicle was stolen. Credit reporting inaccurate. Treason, fraud, identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I signed up for a credit card with PNC in XX/XX/year> and when you spent {$1500.00} with them on that credit card within the first XXXX months you received a {$200.00} bonus I met the criteria within the first XXXX weeks and have been chasing them Since to try and get this bonus. I have gotten XXXX reason or excuse on why I have not received the bonus and Ive been told over and over again that I have met the criteria and that just give it another billing statement here we are in XXXX and I have escalated this again only to be told. I need a couple more days to find out whats going on in review previous calls Yet again verifying that I did meet the criteria but yet still no promotion applied to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX ( Former last name XXXX ) XXXX XXXX XXXX XXXX XXXX, Md XXXX XXXX XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX ( COB ) Subject : Formal Complaint Against Equifax for Reporting Inaccurate Information Dear XXXX XXXX XXXX, I am filing this formal complaint against Equifax Information Services LLC for reporting inaccurate and damaging information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 



Details of Inaccuracy : Equifax is reporting my account as 60 days past due in XX/XX/XXXX and 90 days past due in XX/XX/XXXX ( as shown in the attached screenshot ), which is inaccurate. I have documentation proving this account was paid on time, and these late payment notations are false. 

Despite multiple disputes filed through XXXX XXXX, Equifax has refused to correct these inaccuracies and continues to report this incorrect data, which is negatively impacting my credit score and financial opportunities.

Evidence : Screenshot from Equifax portal showing the inaccurate 60 in XX/XX/XXXX and 90 in XX/XX/XXXX Legal and Regulatory Context : In XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) fined Equifax {$15.00} XXXX for improper investigations of credit reporting errors, citing failures in investigating disputes and maintaining accurate files ( CFPB XXXX Release ). 

Equifaxs mishandling of my disputes and refusal to remove inaccurate reporting demonstrates the same violations identified by the CFPB : FCRA Section 611 ( a ) : Failure to conduct a reasonable investigation of disputed information.

FCRA Section 607 ( b ) : Failure to follow reasonable procedures to ensure maximum possible accuracy.

Harm to Me : These false late payment notations have : Lowered my credit score.

Affected my ability to secure [ housing/car loan/employment/insurance ].

Caused stress and wasted time in repeatedly disputing these inaccuracies without resolution.

Relief Requested : I respectfully request : 1. An immediate deletion and removal of the inaccurate 60-day and 90-day late payment marks.

2. Confirmation that Equifax has conducted a full reinvestigation using my provided documentation. 
XXXX. Monitoring of Equifaxs practices to ensure compliance with FCRA in line with the recent CFPB enforcement action.

Thank you for your attention to this matter and your work in protecting consumers like me. 

Sincerely, 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