vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I requested a reinvestigation of the discrepancies in my consumer report, where all information must be accurate across all consumer reporting agencies. This account, which I am leaving here below, shows inconsistencies between them, which is why I demand that they be removed from my consumer report immediately. FROM XXXX BANK

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 2025-06-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
Based on the evidence we have it appears that XXXX XXXX wrongly assigned an account with a similar name to me for collection, significantly impacting my credit and therefore my ability to purchase a home. 

On XX/XX/XXXX I asked my lender to prepare a pre-approval for a mortgage expecting my credit score to return around XXXX. However, my credit came back at XXXX due to a collection for {$2400.00} from XXXX XXXX that had been reported 2 days prior. The next day ( XX/XX/XXXX ) I began by calling the collection agency - Transworld Systems XXXX where I reported the collection as incorrectly assigned. They provided me with the XXXX account number that the claim was for, indicated they had opened a dispute and now it was up to XXXX XXXX to resolve. 

I promptly navigated to XXXX 's identity theft webpage 'XXXX XXXX XXXX  ' and began following their process. I filled out their affidavit and provided supporting documentation including proof of address via executed lease and mortgage statements as well as drivers license. Shortly after submitting to their mailbox - XXXX and automated message called me and indicated that more information was needed to complete my affidavit. 

I called the number XXXX  provided at which point I was told in order to get my case resolved I would need to provide my full SSN. I told the agent that under no circumstances would I be providing XXXX  with my full social in addition to all the other personal info I had just provided. I said that I had the fraudulent account number in hand and that all that was needed was for them to compare my proof of address with the account in question and withdrawal the collections claim per the dispute from Transworld. The agent was able to pull up the account and verify additional information such as the address, email, and phone numbers none of which matched with my information. The agent indicated I would get a call back XX/XX/XXXX at XXXX EST for the investigation team to follow up and resolve. This call never came. 

Upon calling XXXX back they continue to demand that I provide my full XXXX before they will resolve the wrongful collection they have put in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: ID

Complaint narrative:
Ive been a loyal Chime customer for over four years. I was eligible for and consistently using the " My Pay '' feature to access up to {$400.00} of my paycheck early each month. I also qualified for and responsibly used their {$100.00} instant loan offer. After a single loan payment was made one day lateonly because my direct deposit hit the next dayChime revoked my access to both the My Pay feature and any future loan offers.

When I contacted Chime support, a supervisor explicitly told me the reason I lost access to My Pay was because I had been using it too often. This implies that Chime penalized me for using a feature they advertised and approved me forsomething that feels deceptive and retaliatory. 

Around the same time, I made a {$63.00} purchase through XXXX. XXXX support told me I would be issued a refund, which was later denied without cause. I submitted clear documentation to Chime showing the merchant originally promised the refund. Despite this, Chime denied my dispute, without any legitimate explanation or required provisional credit. I believe this violates Regulation E, which requires them to conduct a reasonable investigation and issue provisional credit if resolution takes more than 10 business days.

Ive now suffered {$560.00} in financial harm {$63.00} from the denied refund, and {$500.00} in lost access to features I had come to rely on due to Chimes own eligibility approval process. I attempted to resolve this through Chime and formally requested a reinvestigation, but I have been met with vague and inconsistent responses that fail to justify the denial or removal of features. 

I believe Chime is engaging in unfair, deceptive, and possibly unlawful practices by promoting features as benefits, encouraging usage, and then punishing customers for using themwhile also denying legitimate disputes without cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: PA

Complaint narrative:
On XX/XX/year> I was accused of being late as well as XX/XX/year>. I was never late with the company and my file is actually paid in full. The account is self lender.

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 2025-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
My acct was used in a friendly fraud and not receiving the goods situation.my son used my card and made all these purchases to some gaming website and made a fraudulent XXXX XXXX in my moms name to purchase the tokens and merchandise.i contacted the companies XXXX XXXX denied my dispute and closed the acct.XXXX  said call chime.the and the game website has ignored my emails and also closed that acct with no refund.i have submitted documents and chime is still not releasing my money.i asked to do a charge back and they act completely lost.REFUND MY MONEY NOWXXXX XXXX even asked me to load my id to prove it wasnt me and I was right the information didnt even match mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: MD

Complaint narrative:
COMPLAINT AGAINST EXPERIAN FOR KNOWINGLY REPORTING UNVERIFIABLE ACCOUNT FROM XXXX XXXX FCRA VIOLATION I'M FILING A COMPLAINT AGAINST EXPERIAN FOR CONTINUING TO REPORT AN ACCOUNT FROM XXXX XXXX THAT IS UNVERIFIABLE, LEGALLY CHALLENGED, AND REPORTED USING AN UNRECOGNIZED ACCOUNT NUMBER : ACCOUNT NUMBER : XXXX STATUS : " SETTLED FOR LESS THAN FULL BALANCE '' I HAVE REPEATEDLY REQUESTED THROUGH MY DISPUTES THAT EXPERIAN PROVIDE : A COPY OF THE SIGNED AGREEMENT OR CONTRACT THAT SHOWS I ENTERED INTO A LEGAL FINANCIAL OBLIGATION WITH XXXX XXXX XXXX 

THE EXACT SETTLEMENT AMOUNT, TERMS, AND PROOF OF THE " SETTLED FOR LESS THAN FULL BALANCE '' CLAIM A FULLY UNMASKED AND VALID ACCOUNT NUMBER ASSOCIATED WITH ME TO DATE, EXPERIAN HAS FAILED TO PROVIDE OR REQUIRE XXXX XXXX TO PROVIDE ANY OF THIS INFORMATION. REPORTING A SETTLED ACCOUNT WITHOUT A SIGNED AGREEMENT OR VALID LEDGER IS A CLEAR VIOLATION OF THE FOLLOWING FEDERAL STATUTES : FCRA 1681e ( b ) FAILURE TO MAINTAIN MAXIMUM POSSIBLE ACCURACY FCRA 1681i ( a ) FAILURE TO REINVESTIGATE AND CORRECT INACCURATE INFORMATION FCRA 1681s-2 ( b ) FAILURE TO PROPERLY INVESTIGATE AFTER DISPUTE NOTIFICATION FCRA 1681g ( a ) FAILURE TO PROVIDE FULL DISCLOSURE OF INFORMATION ON FILE ADDITIONALLY, METRO 2 REPORTING GUIDELINES REQUIRE THAT FURNISHED ACCOUNT NUMBERS BE TRACEABLE TO A VALID AGREEMENT, AND THAT ALL DEROGATORY STATUS REPORTING ( SUCH AS 60-DAY LATES OR SETTLEMENTS ) BE FACTUALLY SUPPORTED. EXPERIAN IS PERMITTING XXXX TO REPORT AN ACCOUNT IN VIOLATION OF THESE INDUSTRY STANDARDS. 

THIS ACCOUNT IS NOT ONLY INACCURATE IT IS UNVERIFIABLE. THEREFORE, CONTINUED REPORTING CONSTITUTES WILLFUL NONCOMPLIANCE UNDER FCRA 1681n AND NEGLIGENT NONCOMPLIANCE UNDER FCRA 1681o. 

I DEMAND THAT EXPERIAN : IMMEDIATELY REMOVE THE XXXX XXXX ACCOUNT FROM MY CREDIT REPORT PROVIDE WRITTEN DOCUMENTATION OF THE PROCEDURE USED TO " VERIFY '' THIS ACCOUNT IDENTIFY THE DATA FURNISHER WHO ALLEGEDLY VERIFIED THIS ACCOUNT ISSUE A CORRECTED COPY OF MY CONSUMER DISCLOSURE ONCE THE ITEM IS REMOVED FAILURE TO COMPLY WITH THIS REQUEST WITHIN 15 CALENDAR DAYS WILL PROMPT : A COMPLAINT TO THE FEDERAL TRADE COMMISSION ( FTC ) A COMPLAINT TO THE ATTORNEY GENERAL IN MY STATE LEGAL ACTION FOR DAMAGES RESULTING FROM WILLFUL AND NEGLIGENT VIOLATIONS OF MY RIGHTS UNDER FEDERAL 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 2025-06-30 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: IL

Complaint narrative:
I am writing to formally dispute the accuracy and validity of the accounts listed below. Under FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ), you are legally required to provide proper verification of these accounts. To date, no such verification has been provided. If you can not substantiate these entries with original documentation from the furnisher, you are required to remove them immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-30 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: IL

Complaint narrative:
I am writing to formally dispute the accuracy and validity of the accounts listed below. Under FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ), you are legally required to provide proper verification of these accounts. To date, no such verification has been provided. If you can not substantiate these entries with original documentation from the furnisher, you are required to remove them immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-30 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
I received a sunrise credit service letter for a disputed amount of {$49.00} from XXXX XXXX XXXX . I do not owe XXXX XXXX XXXX one penny.

( 1 ) when I lived at an apt buildingwe were forced to use XXXX XXXX XXXX services, which I did, and I had a private account with them. 
( 2 ) I was also paying through my monthly account as the whole building-at this particular apartment building was given a XXXX XXXX XXXX account to pay along with the monthly rent each month for their services. 
( 3 ) in XXXX  - When I found out, I was double paying, I sent XXXX XXXX XXXX back my private modem, and canceled my private account while continuing to pay on with my monthly billing of XXXX XXXX XXXX through the monthly online apartment billing, we were all charged the exact same amount. 
( 4 ) When I moved from that apartment building my bill was fully paid through my account and I also returned all equipment so why sunrise would pop out a year after I moved from the Apartmentseems extremely suspicious to me. 
( 5 ) I have never received any correspondence either through email or mail from XXXX XXXX XXXX regarding this {$49.00}. 
( 6 ) So, unless you can show me where I owe you this {$49.00} please dont ever contact me again. 
I also looked up your company sunrise and realize you have a terrible reputation on XXXX as you try to scam people out of their hard earned money. 

XXXX XXXX XXXX is also being looked at for fraudulent sales practices, so it wouldnt surprise me if they are in cahoots with sunrise credit services. Please investigate.

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 2025-06-30 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: IN

Complaint narrative:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

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 2025-06-30 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : 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 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 2025-06-30 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: TX

Complaint narrative:
I am writing to dispute the collection account currently listed on my credit report. I was never properly notified of this debt, nor was I given a legitimate opportunity to validate or contest its accuracy prior to it being reported. This is a clear violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

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 2025-06-30 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:
XX/XX/XXXX Via CFPB Portal Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Response to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer : XXXX XXXX XXXX XXXX XXXX XXXX Concern, I am writing to follow up on the response provided by XXXX XXXX regarding my previous complaint and dispute of inaccurate information appearing on my credit report.

I respectfully disagree with XXXX conclusion that their reporting was accurate. Despite my multiple formal disputesincluding my original filing on XX/XX/XXXX, and again on XX/XX/XXXX, XXXX have not been provided with any verifiable documentation substantiating the alleged 30-day late payment for XX/XX/XXXX. Instead, XXXX  refers me to their dashboard and reiterates general policies from their Cardmember Agreement, but fails to provide : A complete ledger of payments and dates received ; Documentation proving notification of late payment was sent and received ; Clear evidence validating that the payment in question was actually 30+ days late under the FCRA definition.

Furthermore, my credit file currently reports this account as Current and with a {$0.00} Past Due balance, which contradicts the derogatory status previously reported. XXXX own response also states that only one 30-day delinquency was reported, despite the credit bureaus initially showing both 30- and 60-day late marks, which signals inconsistency and further supports my claim of inaccurate or unverifiable data.

Under the Fair Credit Reporting Act ( FCRA ), data furnishers like XXXX are required to maintain reasonable procedures to ensure maximum possible accuracy of information they report ( 1681s-2 ). If they are unable to fully verify the negative item with documented evidence, they are obligated to delete the item.

Therefore, I am requesting the following : A copy of the full payment history and date-stamped ledger supporting the alleged delinquency ; A copy of any proof of notice sent to me regarding the alleged late payment ; If verification can not be completed in accordance with the FCRA, I request immediate deletion of the derogatory marks from my credit reports ; A formal notice of the reinvestigation results and an updated copy of my credit report as required by 15 U.S. Code 1681i ( a ) ( 6 ). 

This account has caused undue damage to my credit profile, and XXXX has not met the burden of proof required to continue reporting derogatory information. I am requesting CFPBs assistance to ensure compliance with federal credit reporting laws and protect my rights as a consumer. 

Sincerely, 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 2025-06-30 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:
Upon reviewing my credit report, I noticed an account in collections that I do not recognize. The details provided are inconsistent, and I have never been contacted about this account prior to it being reported. This raises serious concerns about the accuracy of the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: NC

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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