vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-25 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: CA

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 2025-12-25 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: CT

Complaint narrative:
I continue to ask TransUnion for verification that XXXX XXXX is telling them that I have a Bankruptcy, because I have a written statement from XXXX XXXX that they have not spoken to TransUnion and that is not something that they do. Yet TransUnion continues to send me letters telling me that they have verified this information without sending me proof. They refuse to send me proof and this is against he law. I am attaching TransUnion 's secure letter that they continue to email me and the email that I received from 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 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 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: CBC Companies, Inc.
State: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
Chime refused to identify the specific policy I allegedly violated and would not provide a policy name, section number, or written documentation despite multiple requests on XX/XX/XXXX On or about XX/XX/year>, Chime notified me that my account would be closed for an alleged policy violation, but refused to identify what policy I violated or provide any written explanation, section number, or factual basis. 

I repeatedly requested clarification and escalation to a supervisor or compliance department. I was told that no supervisor was available and that nothing could be done. I was not provided an appeal process or meaningful notice. 

An XXXX direct deposit in the amount of {$890.00} ( TREAS XXXX ) was returned to the depositor. Chime stated this was due to a name mismatch, yet I was not given advance notice that this deposit would be rejected or instructions to prevent this outcome. The returned deposit caused financial hardship, especially given the timing immediately before the holidays. 

These actions occurred after I had previously filed a complaint, leading me to believe the account closure and refusal to assist may be retaliatory. Chime relied on vague policy language, denied escalation, and failed to provide transparency or consumer protections regarding my federally protected benefits. 

I am requesting a written explanation of the alleged policy violation, confirmation of how all funds are handled upon closure, and assurance that deposits will not be improperly rejected without notice in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account 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 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
XX/XX/XXXX Hello, I am writing to file a complaint against XXXX  XXXX. 
In XXXX of XXXX, I bought a XXXX XXXX XXXX, and financed through XXXX  XXXX, with an APR of 22 %. 
XXXX of XXXX, I totaled the XXXX XXXX XXXX by a deer. My insurance came in and covered a portion, and so did XXXX. So then XX/XX/XXXX my XXXX XXXX account was closed. I called and made sure I didn't owe any money, because I thought I was still going to have a little bill left over. The lady on the phone confirmed the account had been closed with no remaining balance. 
Shortly after on XX/XX/XXXX, I received a text message stating I had a refund of {$970.00} being sent by mail, and may take 10 or more business days. After waiting a month to receive the check, I got on my XXXX XXXXl account and called the number listed. They then re-issued my check, but another 2 weeks went by without receiving it. So I got on my account to call the number again, but this time I seen my account had been reopened with a past due balance of {$800.00}. Which had been outstanding for over 37 days when they just reopened it??? I Called to see what had happened, and all they could tell me was that they were sorry, and that gap wise had took the first check back that they had originally sent due to a mistake, and resent the correct one. 
After I soon realized that I now owe them money, I had to save everything I had, because I was under the impression it was all paid off. XX/XX/XXXX of XXXX, I made a XXXX $ payment, but XXXX $ of the money went all to interest. XX/XX/XXXX I made a settlement agreement of XXXX XXXX and finally got the account paid off. 
Finally I then thought I would try and dispute some of the reportings XXXX XXXXXXXX  had sent to my credit, because I didn't feel liable for some of their actions. So I wrote a dispute letter to XXXX XXXX and sent it off XX/XX/XXXX. After not hearing back from them from a month I called them XX/XX/XXXX. The lady I spoke to said they already completed my investigation and denied it. So I proceeded to ask the lady why I wasn't notified about the results of my investigation, and all she said to me was she was sorry. So I'm filing a compliant because I feel the bank lender isn't communicating effectively with its customers, they're missing key opportunities to share important details that impacts my credit, and could cause me future financial harm. 
PLEASE CONTACT me for any documentation, it will not let me upload any screenshots I have. my number is XXXX. 

Thank You!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violationoffederallaw.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-12-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: FIRST HORIZON BANK
State: NC

Complaint narrative:
I am filing this complaint regarding XXXX XXXX Banks conduct during my business line of credit application process. 
Bank personnel made representations regarding review and follow-up, but failed to provide promised communication, clarity, or professional handling of the process. I experienced inconsistent explanations, lack of transparency, and no meaningful opportunity to address concerns raised by the bank. 
Rather than correcting the process failure or engaging in good-faith resolution, the bank closed the matter while avoiding the underlying issues of customer reliance, service breakdown, and misrepresentation of process. 
I am not disputing a credit decision. I am disputing the banks conduct, failure to follow its stated procedures, and failure to remedy the harm created by its own actions. 
I am requesting CFPB review of XXXX XXXX Banks practices for fairness, transparency, and compliance with consumer protection standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever the38668re is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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 the38668re 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 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : 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 2025-12-25 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:
Issue : Incorrect or unfair credit reporting Company : XXXX XXXXXXXX XXXX Product : Credit card What happened : I had a XXXX XXXX XXXX credit card account that was recently closed. Due to an autopay issue, I missed a payment, but as soon as I realized the error, I paid the balance in full. This was a one-time oversight, and I have an excellent history of on-time payments over several years. 
I requested a goodwill adjustment from XXXX XXXX XXXXXXXX to remove the late payment from my credit report, as allowed under the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) guidelines, which permit lenders discretion in such cases. Despite my strong payment history and immediate corrective action, XXXX XXXX XXXXXXXX refused to make the adjustment. 

This single late mark is disproportionately impacting my credit score and financial plans. I am requesting CFPB assistance to have XXXX XXXXXXXX XXXX review and remove this late payment as a goodwill adjustment.

Desired Resolution : Removal of the late payment from my credit report as a goodwill adjustment.

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 2025-12-25 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:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: TX

Complaint narrative:
Iam filling a complaint against Equifax Information Services LLC for reporting multiple unauthorized hard credit inquiries on my consumer credit report. I have 6-9 hard inquiries from automobile dealership and associated lenders for which I did not provide permissible purpose or specific authorization. These inquires appear to have resulted from automobile dealership " shotgunning '' or slingshot submissions, where my personal information was distributed to multiple lenders without my consent. Under the Fair Credit Act ( 15 U.S.C. 1681b ) Hard inquires require a permissible purpose. I did not authorize these inquires individually, nor did i authorize my credit report to be shared to multiple lenders.

Additionally, Equifax failed to maintain reasonable procedures to ensure maximum possible accuracy as required by 15 U.S.C. 1681e ( b ).

Further, the conduct that resulted in my consumer report being distributed to multiple dealerships and lenders without clear discloser or authorization may constitute a deceptive trade practice under the Texas Deceptive Trade Practices Act ( Tex. Bus. & Com. Code 17.46 ) I requesting that Equifax conduct a lawful reinvestigation and remove all unauthorized hard inquires from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
A

collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
on XX/XX/XXXX, while i was asleep i guess my wells fargo mobile app was accessed and they made card transactions and XXXX  payments. 
wells fargo credited the card transactions but jot the XXXX  payments. they declined it. 
anounts 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 2025-12-25 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: OH

Complaint narrative:
There is an account that has been reinserted on my credit report after an investigation but the account is reporting incomplete which is against FCRA law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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 DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED 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 response to consumer: Closed with non-monetary relief