vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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: IN

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-11-18 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:
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 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 2025-11-18 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: 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 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 2025-11-18 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:
On XX/XX/year>, XXXX  publicly confirmed a data breach that exposed consumer names, Social Security Numbers, and dates of birth. I was identified as an affected consumer and received notice of the breach. Because my SSN and other identifiers were compromised, I am disputing negative accounts that appear on my XXXX  credit report. I do not authorize XXXX  or any furnisher to report or share inaccurate, unverifiable, or fraudulent information on my file. These accounts may be the result of misattribution or identity theft caused by the breach. 

Harm Caused : These derogatory accounts have damaged my credit standing and impaired my ability to obtain financing. Because XXXX  allowed my identifiers to be exposed, I am concerned that unauthorized access, mismatching, or fraudulent activity is the reason these tradelines appearonmyfile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
im putting in this case against venmo for fraud and theft venmo has been denying almost all of my dispute cases mainly instacart claiming that my disputes arent in their terms of service and or venmo purchase protection program when not only is venmo lying committing fraud and theft their venmo policy for a buyer regardless of a having a credit / debit card is covered from top to bottom for basically everything and anything that is legal including delivery orders missing and or having damaged packaging and or other stuff and etc im now gon na list some of my venmo cases that i made disputes for IXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$28.00} XX/XX/XXXX {$30.00} XXXX XXXX XX/XX/XXXX {$31.00} XXXX XX/XX/XXXX {$18.00} i would like to also state I've also tried contacting an emailing venmo XXXX XXXX and they still sent responses back denying my dispute cases

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: AR

Complaint narrative:
I filed a dispute with chime for the amount of XXXX, a merchant charged me the wrong amount! However chime approved me for the amount of XXXX but only gave me XXXX so I thought it was a mistake but when I called they told me that I was only approved for XXXX. I was in the negative for XXXX because chime gave the merchant permission to take my money without asking me anything!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-18 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:
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 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MS

Complaint narrative:
not sure how Chime pays the creditors when they come calling for payment submitted to be reconciled but I had {$76.00} afyer a {$13.00} and some odd payment was taken. So when the {$50.00} payment was requested. I could not understand why it was declined being $ XXXX {$51.00} just an even number meaning no change clearly doesnt leave the account in the deficit for the charge.I was basically told that information they sent me was inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
I have been A Victim of Data Breach I have supplied my DL, SSN Card and proof of address for Identity verification purposes The accounts on the FTC are all Fraudulent Due to data breach from Transunion. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), I demand an immediate block of the following accounts as identity theft-related : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating my privacy.

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 2025-11-18 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: IL

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 non-monetary relief
Consumer complaint received 2025-11-18 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: WA

Complaint narrative:
I am disputing the following charged-off accounts and inquiry on my Equifax credit report XXXX XXXX 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, XX/XX/XXXX, {$610.00} Disputed Inquiry : XXXX, XX/XX/XXXX I also request that you review and investigate the following inquiries : Equifax : XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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:
I am requesting a full investigation into the accuracy and completeness of the information your bureau is reporting. Several accounts and inquiries appearing on my credit report are inaccurate, outdated, unverifiable, or were not authorized. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to 602A, 607 ( b ), 609, 611, and 623. Your bureau is reporting multiple items that fail to meet the standards of maximum accuracy required under federal law. I am demanding a reinvestigation and deletion of all accounts and inquiries listed below if you can not fully verify them within the legally required timeframe. 

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 {$5500.00} These accounts contain inconsistent dates, balances, reporting gaps, and incomplete data fields that violate FCRA 607 & 623. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
A electronic funds transfer in the amount of {$1000.00} USD was deposited into my account on XX/XX/XXXX of XXXX  I assumed the {$1000.00} was deposited as funds from a loan I had applied for via online through XXXX XXXX, a third party platform consumers can use to find loans from multiple lenders. I had shared my information such as banking, income, and loan amount needed with XXXX XXXX and they were to share with their trusted partners to help me secure a loan.on XX/XX/year> I made withdraws that totaled {$1000.00} USD and thought everything was okay with my CHASE checking bank account. I had went on vacation and it was not until XX/XX/year> that I realized there was a {$1000.00} shortfall to my CHASE checking account. I deposited more money into my CHASE CHECKING account to cover the remaining shortfall after my automatic deposit had been credited. On XX/XX/year> I called CHASE to see what had happened and to file a claim. I was told CHASE could not tell me where the Fraudulent transfer originated from, I was told I could not make a claim because the transaction was refused due to being fraudulent. The lady assisting me finally did file the claim after I told her that if the transaction had indeed been refused then I would not have been able to withdraw the funds. I received a letter on XX/XX/year> dated XX/XX/year> showing my claim was opened, investigated, and closed all in the same day ; XX/XX/year>. Because the {$1000.00} dollars literally is my means of paying my household expenses my electric, water, and natural gas are all scheduled for shut off. I now am waiting for my electricity to be shut off today XX/XX/year>. I am extremely upset that CHASE is refusing to investigate where the transfer came from as well as provide me with provisional funds to at least cover my bills. I feel at this point they are liable for damages this is causing to my well being. I need this resolved as a matter of my households needs are tied up, it was improper to open a claim, investigated it, and close it in one day! I want CHASE BANK NA. To be a responsible fiduciary and credit my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXThis CFPB complaint has\nbeen filed to request pursuant to FCRA  605B (15 U.S.C.  1681c-2) that you, the Transunion \ncredit reporting agency, block information appearing on my consumer credit report that is the\nresult of identity theft and fraud within 4 business days of you receiving this complaint. This\nfraudulent, inaccurate, and false information consists of. XXXX XXXX XXXX  These accounts have resulted in\nseveral fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO\ncredit report. I've attached a list of the hard inquiries in question as well as a copy of the\nconsumer FICO credit report maintained by you which shows the aforementioned fraudulent\nitems. I do not recognize the aforementioned accounts, collections, or hard inquiries as\nreported. The aforementioned accounts, collections, and hard inquiries appearing on my\nconsumer credit report maintained by you were not opened, made, or initiated by me. All of the\naforementioned accounts, collections, and hard inquiries are the result of identity theft and\nfraud. I have attached a copy of FTC Identity Theft Criminal Complaint \nas proof from the US Federal Trade Commission that all of the aforementioned consumer credit\naccounts, collections, and hard inquiries are the result of identity theft and fraud"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXThis CFPB complaint has\nbeen filed to request pursuant to FCRA  605B (15 U.S.C.  1681c-2) that you, the Transunion \ncredit reporting agency, block information appearing on my consumer credit report that is the\nresult of identity theft and fraud within 4 business days of you receiving this complaint. This\nfraudulent, inaccurate, and false information consists of. XXXX XXXX XXXX  These accounts have resulted in\nseveral fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO\ncredit report. I've attached a list of the hard inquiries in question as well as a copy of the\nconsumer FICO credit report maintained by you which shows the aforementioned fraudulent\nitems. I do not recognize the aforementioned accounts, collections, or hard inquiries as\nreported. The aforementioned accounts, collections, and hard inquiries appearing on my\nconsumer credit report maintained by you were not opened, made, or initiated by me. All of the\naforementioned accounts, collections, and hard inquiries are the result of identity theft and\nfraud. I have attached a copy of FTC Identity Theft Criminal Complaint \nas proof from the US Federal Trade Commission that all of the aforementioned consumer credit\naccounts, collections, and hard inquiries are the result of identity theft and fraud"

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MRS BPO, LLC
State: AL

Complaint narrative:
I did not give my consent or authorization, nor did I receive any benefit from these following accounts. This situation is deceptive, and I request the immediate removal of these accounts.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX 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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Disputed accounts must be resolved within periods defined by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: PNC Bank N.A.
State: MI

Complaint narrative:
In XX/XX/year> I was shopping around for personal loans. I had a PNC consultant on the phone that ORIGINALLY told me if I clicked submit that it would be a soft pull! just like XXXX does when shopping around for loans. Think about this... I had the presence of mind to call the PNC bank before I hit submit because I was concerned about an hard inquiry. So after I hit submit I went one step further and asked the consultant to double check this because I just noticed that this was a pre-selected offer not pre-approved! the consultant double checked and apologized and told me it was a hard pull! the whole conversation was recorded and PNC told me that they have me saying it was my fault. This is unbelievable!!!

Company response to consumer: Closed with explanation