vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: PA

Complaint narrative:
Hi yes my name is XXXX XXXX owner of a chime account for the mass many many months account number XXXX and that is also again it's a chime account earlier this evening me and my friend we were here we were ordering some food from XXXX he was sending me {$60.00} from his XXXX XXXX  to my time we accidentally sent {$700.00} on accident we immediately I still owed chime XXXX but they were told that this was a mistake and I'm not getting my paycheck until another week or so they said that they don't they don't listen irreversible mistake and that my pay takes all the money and they were told that this is not my money and you're using money that's not my money to enable do nothing about it they said that they were going to do it but they don't believe them we did do it dispute from my friends account on his XXXX XXXX his name is XXXX XXXX and again I need to complain about time and they need to fix this they're using money that's not theirs or mine to pay something back that's not mine to give them we went back and forth they told me that all money that comes into the account when my pay is due they take it which is not true 3 days over the last three days have had over almost a little over a XXXX dollars taken out or in through the account and it never took any of it and then today we did the mistake and they immediately took the XXXX and have no interest in rectifying the situation so can we please I'm not this I just learned about this website and you guys so hopefully we can get something handled but this is not fair my friend and just got paid today that was all of his money he's got his own family to take care of and this is not fair they don't even give you a chance to like make a choice or nothing they just take and take money whenever they feel like it it's kind of unfair how they do it you can't even make a mistake without like a blank and it's going in the ones it's going it's too late

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: LA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

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 2025-11-12 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: FL

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bepensa Capital, Inc.
State: TX

Complaint narrative:
I having a problem with getting a balance on my XXXX XXXX used vehicle. I purchased this vehicle in XX/XX/XXXX for a {$13000.00} at toy- us in chalmett which the company was doing illegal business the same like Finbe which change the name to credito real USA . I didn't missed any payment at all. I paid a cashier check to Finbe back in XX/XX/XXXX for {$6000.00} that was never applied to account. I have receiving email, text, and phone calls with harassment, don't call, and threat to repossessed the vehicle by these same individuals this is the 6 times they call when not to listed names XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX was very rude he stated i need to pay my bill and I need to bring payment in {$300.00}, also he sent the repossession guy to house which I don't live

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: DE

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC
State: NY

Complaint narrative:
Because I have set a fraud alert on my credit, I received alerts from XXXX  and XXXX  about my credit score. I found that my credit score dropped by XXXX and XXXX points respectively, and there was a record of a collection agency on my credit report. The collection notice indicated an outstanding bill of over XXXX from XXXX. However, I have never opened an account of this type, so I immediately disputed it. Moreover, at my current address, I have never received any bills from XXXX or letters from collection agencies. This sudden appearance on my credit report has caused my credit score to plummet, affecting my current life! So I want to have it removed from my credit score! Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX BANK XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I did not authorize this inquiry and I did not speak with this lender on the date indicated. Accordingly, I respectfully request that you remove this inquiry from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: LA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least XXXX  days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: NY

Complaint narrative:
I am disputing the following charged-off accounts and inquiries on my Experian credit report : Charged-Off 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 XXXX XXXX XXXX XXXX XXXX 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 2025-11-12 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: LA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing inaccurate and unverified information currently being reported on my credit file. Despite prior disputes and requests for reinvestigation, the listed account ( s ) continue to reflect incorrect data that does not accurately represent my payment history or account status. The reporting includes inconsistent dates, payment records, and account details across the credit bureaus. 

The furnisher and/or credit bureau failed to provide proper verification as required under the Fair Credit Reporting Act ( FCRA 611 and 623 ). Because this account remains unverifiable and contains conflicting information, it is being reported in violation of federal law. 

I have previously contacted both the credit bureaus and the furnisher to resolve this matter, but no valid documentation or investigation results have been provided to confirm the accuracy of the account. Therefore, I am requesting an immediate reinvestigation and complete deletion of this unverified or inaccurate information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: NY

Complaint narrative:
NOTE TO REVIEWER : The selection " Money was taken from your account on the wrong day and/or for the wrong amount '' was chosen as the closest available option to categorize a formal appeal against the denial of a debit card chargeback. The core issue is a failed Regulation E dispute ( Visa Reason Code 13.3 ) investigation. 

This complaint is a formal appeal against Chimes denial of my XXXX chargeback for a series of XXXX charges totaling {$450.00} for the continuous lodging period from XX/XX/XXXX to XX/XX/year>. 

The XXXX hosts unresponsiveness and booking mismanagement led to an incident on XX/XX/year>. The host committed an unlawful, abusive act by entering my private room without permission, using intimidation and aggressive behavior, and throwing my property into a public hallway to humiliate and expel me. His partner arrived apologetically and instructed him to leave. While the host later returned and acknowledged his error, no written apology, guarantee of safety, remedy, or compensatory measure was provided, and the environment remained compromised. 

This illegal self-help removal attempt created an unsafe and hostile environment, and caused me significant distress and inconvenience, constituting a Defective Service XXXX XXXX Reason Code XXXX. I was forced to remain on the premises as XXXX could not find a suitable lodging replacement and I couldn't discontinue my trip. I suspect they are suggesting this demonstrates satisfaction with the service, but this was a logistical challenge not an indication that I felt at ease with the lack of resolution. 

I filed and reopened a dispute ( Claim ID : XXXX ). Chime denied my claim twice and failed to provide a substantive explanation or justification for its decision, which is a procedural failure under consumer protection laws. This suggests the bank accepted the merchant 's fraudulent defense, ignoring the clear evidence of the host 's illegal act, intimidation, poor customer service, and violation of XXXX policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: GA

Complaint narrative:
I am not associated with these accounts and request their deletion within 15 days in compliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance One, Inc.
State: PA

Complaint narrative:
I cancelled my XXXX XXXX XXXX service on XX/XX/XXXX. I was told the account would automatically close at the end of the billing cycle on XX/XX/XXXX. 

After cancellation, XXXX continued billing me and added suspension/restore/default fees that were never disclosed during cancellation. 

I disputed the charges with XXXX. A supervisor later confirmed that a {$60.00} credit was initiated on XX/XX/XXXX to correct those improper charges ( covering the restore fee and 16 days of post-cancellation service ). 

When I tried to pay the remaining balance, the XXXX app displayed : We cant accept card and bank payment for this account. 
I was prevented from paying. 

Despite : an active billing dispute, and XXXX blocking payment, my account was sent to AllianceOne Receivables Management , Inc. for collections. 

The AllianceOne letter seeks {$200.00}, referencing XXXX / XXXX, based on an as of XX/XX/XXXX balance of {$140.00}, {$58.00} in fees, and {$4.00} credit. 
This amount is wrong because it does not reflect the {$60.00} credit or the cancellation effective XX/XX/XXXX. It also contains charges added after cancellation. 

I have screenshots showing : Cancellation request on XX/XX/XXXX Agent stating service would close XX/XX/XXXX Supervisor confirming {$60.00} credit on XX/XX/XXXX Payment system refusing to accept payment AllianceOne letter with incorrect balance This appears to violate FDCPA ( collection during active dispute ) and FCRA ( inaccurate reporting/assignment while account unresolved ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: SC

Complaint narrative:
These are inaccurate items. They show as late payments.

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