vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX last XXXX of SS is XXXX, {$150.00} via Chime XXXX I moved and withdrew the money. On XXXX he disputed the transaction as unauthorized, on XXXX I received an email stating the XXXX had XXXX the transaction and unauthorized and the funds were reversed and removed from my account, placing me into the negative. Ive called Chime many times and today I was told that Chime can not provide a dispute case number because the dispute was made from XXXX XXXX, I was never contacted or notified until after the reversal was made, Ive requested the investigation finding and Ive also been refused those documents. Ive been informed that it is undisputable however I am not the one who approved the reversal nor was I aware a dispute was even occurring. The other party has declined that he made the dispute. I believe federal law reg e has been violated in this manner. I am not at fault for the negative balance that. If there is any further information needed please contact me at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments I've attached a copy of my report to this complaint on the following date XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action

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 2025-10-30 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:
I am submitting this complaint because my Equifax credit report contains multiple charged-off and inaccurately reported accounts that I believe may be outdated, duplicated, or unverifiable under the Fair Credit Reporting Act ( FCRA ). These items are severely impacting my credit and do not appear to be properly validated. 

Charged-Off Accounts in Dispute : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am requesting that Equifax conduct a reinvestigation into each of these accounts and inquiries. Any unverifiable, outdated, or duplicate entries should be deleted immediately under FCRA 611 ( a ) ( 5 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: AL

Complaint narrative:
I am submitting this complaint regarding my credit report with Experian, specifically the following accounts and inquiries that I believe to be inaccurately reported or are the result of incorrect data. Please investigate and provide me with the results of your inquiry in accordance with the Fair Credit Reporting Act ( FCRA ). 

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 XXXX XXXXXX/XX/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 2025-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
XX/XX/XXXX i had a hard inquiry by XXXX XXXX XXXX and contacted them, then sending me over to credit karma but they don't have a number listed so I went to transunion which needs me to get a letter from the institution that did the hard inquiry mail in documents from me by mail. I would like to request my hard inquiry be removed without the need to do so much work.

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 2025-10-30 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
XXXX - I noticed ( when checked my account online ) there was a purchase pending from XXXX XXXX XXXX in XXXX XXXX PA XXXX the amount of {$72.00}, which I did not authorize ( and never heard of them before ). 
I immediately contacted a bank that issued that credit card. ( Citizen Bank ). I told them it was a fraudulent charge and since it was pending still to stop the transaction. The person replied that I have to wait until the transaction was approved, then call them again ( because they couldn't stop it when pending- I was told. In the meantime, I called the XXXX but they rejected to give me any information. 
XXXX I received the letter from Citizen Bank rejecting my claim, without any details. 
I called them same day objecting their decision. Since until today they did not respond so I called them today on XX/XX/year>. I was told - purchase was made in person with the CC with chip that can not be duplicated therefor It's my purchase. I disagreed, because I did not make this purchase, had my card with me at all times, and obviously chip can be duplicated. This place ( XXXX # XXXX ) is XXXX miles away from where I live, I never been there, I am XXXX XXXX XXXX and I don't go to places like that, specially XXXX miles away from me. Citizen bank rep. admitted on XXXX there was an attempt to another charge after I froze the account. Nothing convinced them I did not made a purchase, and the CC was hacked, I spent XXXX of dollars in purchases on this card and according to them I am lying about {$72.00} and change.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-30 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 2025-10-30 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:
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 ]

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 2025-10-30 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: WA

Complaint narrative:
XXXX XXXX Accounts : XXXX ( Account : XXXX ) Dispute : The charged-off status reported on XX/XX/XXXX with a balance of {$0.00} is incorrect. I request an investigation to ensure accurate reporting. 

XXXX XXXX ( Account : XXXX ) Dispute : This account is reported as charged off on XX/XX/XXXX with a balance of {$0.00}. Please investigate and correct any inaccuracies. 

XXXX XXXX XXXX ( Account : XXXX ) Dispute : The account listed as charged off on XX/XX/XXXX with a balance of {$0.00} is not accurate. I request verification and correction. 

XXXX XXXX XXXX ( Account : XXXX ) Dispute : The charged-off status on XX/XX/XXXX with a balance of {$0.00} needs review and correction. 

XXXX ( Account : XXXX ) Dispute : The account is reported as charged off on XX/XX/XXXX with a balance of {$0.00}. Please verify the status and make necessary corrections. 

XXXX ( Account : XXXX ) Dispute : The charged-off balance of {$3500.00} reported on XX/XX/XXXX is incorrect. I request verification and correction of this entry. 

XXXX XXXX ( Account : XXXX ) Dispute : The account is listed as charged off on XX/XX/XXXX with a balance of {$1600.00}. Request an investigation and correction. 

Inquiries : XXXX XXXX ( Date : XX/XX/XXXX ) Dispute : This inquiry was unauthorized and should be removed from the report. 

XXXX ( Date : XX/XX/XXXX ) Dispute : This inquiry is not authorized and should be removed from the report. 

XXXX ( Date : XX/XX/XXXX ) Dispute : This inquiry was made without my consent and should be removed from my credit report. 

XXXX XXXX ( Date : XX/XX/XXXX ) Dispute : This inquiry should be removed as it was not authorized by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 
Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: PA

Complaint narrative:
I am writing to formally file a complaint against TRANSUNION regarding the following inaccuracies and unauthorized inquiries appearing on my credit report. The details are outlined below : XXXX. Inaccurate Late Payment Reporting I have identified inaccurate late payment information on my credit report. I am requesting an immediate investigation and removal of these incorrect late payment entries for the accounts listed below. 

Account XXXX : XXXX  Account Number : XXXX Issue : My credit report reflects a late payment reported for XX/XX/XXXX. This information is inaccurate I paid this account on time and have repeatedly requested proof of any late payment but have not received any documentation. 

Request : Please remove all late payment entries associated with this account immediately, as they are incorrect. 

Account XXXX : XXXX Account Number : XXXX Issue : My credit report shows a late payment reported for XX/XX/XXXX, which is incorrect. I paid this account on time. 

Request : Please conduct a full investigation into this error and remove the inaccurate late payment from my credit report immediately. 

I have previously requested proof of these alleged late payments but have not received any supporting documentation from your office or the data furnishers. 

XXXX. Unauthorized Inquiries In addition, I discovered several unauthorized credit inquiries on my credit report that I did not authorize. These inquiries were made without my consent. 

Unauthorized 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: OH

Complaint narrative:
Sent written letter to collections to verify debt on XX/XX/year> Copy of my debt validation request letter Certified mail receipt Copy of drivers license and proof of address

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Zip Co US Inc.
State: LA

Complaint narrative:
Request for Assistance Unable to Cancel Recurring Payments and Being Threatened with Collections To Whom It May Concern, I am submitting this complaint regarding a dispute involving a merchant and the payment processor ZIP ( formerly Quadpay ). 

I made an initial payment to a merchant I located online for a service/product. The transaction was processed through ZIP. After the initial payment, I decided not to proceed with the service and contacted the merchant to request cancellation of the remaining payments. Despite multiple attempts to communicate with the merchant, they have refused to cancel the transaction or stop the remaining scheduled payments. 

I have not received nor used any services from the merchant beyond the initial payment. Since the merchant refused to cancel the remaining charges, I reached out to ZIP directly. ZIP informed me that they are unable to cancel the payment plan without authorization from the merchant, which the merchant continues to withhold. As a result, ZIP is still attempting to collect payment for services I have not received and did not use. 

I have explained the situation to ZIP several times, but they have stated they will continue to bill me. They are now threatening to send my account to collections for non-payment, despite the fact that I am actively disputing the charges and have done everything within my power to resolve this directly with both the merchant and ZIP. 

At this time, I am requesting the CFPBs assistance in : Preventing ZIP from sending this account to collections while the dispute is unresolved ; Ensuring that the remaining payments are cancelled ; and Preventing any negative reporting to my credit file related to this dispute. 

I am willing to provide copies of communication attempts, receipts, screenshots, and any supporting documentation necessary to support my complaint. 

Thank you for your attention to this matter. I would appreciate your assistance in resolving this issue as soon as possible. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-30 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-30 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:
I am writing to request an investigation into the following accounts currently reflected on my credit reports. I believe that the information being reported is inaccurate and requires correction in accordance with the Fair Credit Reporting Act ( FCRA ). Please investigate the following discrepancies and provide me with a response detailing the outcome of your investigation. 
Inquiries : Creditor Name : XXXX Date of Inquiry : XX/XX/year>

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