vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MI

Complaint narrative:
Chime has received several disputes related to unauthorized account activity. Specifically, there have been two instances where someone accessed my account without my consent. One of these incidents involved the theft of my XXXX and wallet. Initially, my first dispute was denied without any investigation being conducted, and this occurred on XX/XX/year> and again on XX/XX/year>. Subsequently, on XX/XX/year>, Chime finally stated they had initiated an actual investigation and were in the process of settling the disputed amounts with the respective merchants, promising to credit my account accordingly. I made daily follow-up calls to check on the progress of the investigation ; however, Chime representatives consistently claimed that the investigation was still ongoing, despite Chime 's policy stating that if an investigation is not completed within a certain timeframe, the transaction should be automatically credited to the account. Paradoxically, on the same day I was speaking with Chime representatives and inquiring about the status, I received multiple emails indicating that the transactions had been settled. While on hold, waiting to speak with a representative again to understand the conflicting information, I received an email stating that all disputed transactions had been denied. Due to a returned ACH payment, my gas service has been disconnected for over a month now, and my electric company has scheduled a disconnection of service for XX/XX/year>. I have repeatedly requested, even pleading for, a minimum of {$150.00} to help feed my children, but Chime representatives have consistently refused to allow me to speak and have terminated the calls almost every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sterling Infosystems Inc.
State: OH

Complaint narrative:
Name is showing up on my background check that is not me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Search I'm very much alive not sure what this is showing on my background check

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 2025-10-13 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-10-13 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: PR

Complaint narrative:
I am submitting a follow-up to my previous complaint, as there is still unauthorized information on my credit report despite having filed a dispute more than 30 days ago. The information in question continues to be reported by EQUIFAX.

According to the FCRA ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block within 4 business days any information identified by the consumer as unauthorized when an Identity Theft Report is provided. In my case, I attached my Identity Theft Report issued by the FTC ( FTC Report Number : XXXX ), but the agency has failed to comply with this requirement.

The accounts listed below are unauthorized and do not belong to me : Disputed / Unauthorized Accounts : XXXX - XXXX I have repeatedly requested verification of contracts and documents supporting these accounts, but after more than 60 days, I have received no response. It is important to note that other credit reporting agencies have already removed the same information for lack of verification, while this one continues to report it.

This situation is causing me direct and significant harm, as it severely affects my credit score, is preventing me from purchasing a home, and is blocking access to essential financial services necessary for my familys economic stability.

For these reasons, I respectfully request the intervention of the CFPB to : Ensure the immediate blocking of these unauthorized accounts, as required by the FCRA.

Provide me with written confirmation of the removal of this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: NJ

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: AL

Complaint narrative:
My phone was stolen year ago and my chime app and other bank apps were on the phone whomever stole my phone has access to my financial account and have been making large purchases without my knowledge I have reported this to chime and filed plenty of disputes and they have denied my claims

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-10-13 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMCOL Systems, Inc.
State: MD

Complaint narrative:
I have only received one notification about this debt via mail. The debt says that I had a right to dispute by XX/XX/year> and the letter is dated XX/XX/year>, however I didn't receive this letter in the mail until Saturday! The date Saturday was XX/XX/year>. I would never have remembered this on my own without sufficient information.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: FL

Complaint narrative:
PRO COLLECT is falsely reporting on my credit. I have never had any accounts with them. Per my research PRO COLLECT is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-10-13 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: FL

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXXXXXX 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 2025-10-13 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: PA

Complaint narrative:
The consumer reporting agency failed to properly reinvestigate and verify all information in my credit file as required by the Fair Credit Reporting Act ( FCRA ) 609 and 611. I submitted a written request for a full file reinvestigation, instructing the bureau to verify every item for accuracy and completeness. However, the bureau did not provide full verification or documentation from the furnishers as required by law.

Under FCRA 609 [ 15 U.S.C. 1681g ], I have the right to obtain all information in my credit file, and under 611 [ 15 U.S.C. 1681i ], the bureau must reinvestigate disputed data and provide the method of verification, including the name, address, and phone number of each furnisher contacted. The bureaus failure to comply prevents me from confirming the accuracy of my consumer file and constitutes a violation of my federal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: FL

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC
State: NY

Complaint narrative:
Roundpoint mortgage of XXXX XXXX SC is not servicing our fire damage repair payment needs. Our insurance company XXXX, has issued a final check for approximately {$74000.00} of which {$60000.00} is depreciation. Roundpoint will not send us any of the money. The depreciation is ours and should be paid to us.

This final check was mailed to them on XX/XX/XXXX. On XX/XX/XXXX Roundpoint told us the case was complete and we could expect a check to mailed in 2-3 business days. As always WE HAVE TO CALL THEM. So we did call them and as always they won't mail the check. Every time we call Roundpoint it takes at least 1 hour of working with them to get an answer and we usually have to end up waiting for a manager. We are estimating that we have called them 20 times since XX/XX/XXXX and it's now XX/XX/XXXX. They are now wanting a new inspection of the work that has already been completed. Roundpoint inspectors inspected the repairs on XX/XX/XXXX and told us the repairs were over 85 % complete so all funds should be paid to us. NO WORK has been done since then, the last check is covering depreciation and increases in materials that were used. 
This company needs to be held accountable. Why can a company hold our money for what will be 2 months and not at least pay us the money for depreciation? This lending company Roundpoint Mortgage is only holding our {$74000.00} to invest it or to collect interest on it in their bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: VA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: GA

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 XXXX ] Account 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 2025-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: NY

Complaint narrative:
XXXX XXXX XXXX  checking account, which is linked and managed by a mandated brokerage account. ; brokerage oversight exclusivelymanages it as a pseudo bank, which is linked to a brokerage. account Numerous representatives have conceded that POLICY does not allow for removal of a deceased spouse nor of designating it as PRIVATE, which in turn results in closing paths of common-sense solutions unless the account is closed and a new one is opened with a new title and funds that are transferred to the new account past, a policy that destroys past history autopay ; the latter creates debit obligations. " Account '' policy for the banking side intrinsically contravenes the bank procedures for lack of its own policy. 
The essence of POLICY while brokerage is governing the bank is a bank without authority. ( actions were during XXXX for about a week or more. 
My particular problem is that XXXX law demands that surviving spouse have full ownership, renaming of the account of the surviving spouse without being forced to start a new account, devoided of old history and current obligation which, in turn, is vulnerable to penalties and fees for many active accounts. My brokerage balance is XXXX cents, but still can not be separated from the bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: LA

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 XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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