vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 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: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: CA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Lvnv funding keeps emailing me about a debt 15 us code 1681g I request validation under U.S code 1692g change of assignment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Ive been scammed for crypto investment. 
I called and reported to the bank as soon as I found out. Banks rule me as an authorized user and funded my money back. 
It bothers me, scammers made me deposit and invest, no one would authorized for scammers, its a fraud and deceitful. 
Bank wont even update my new claim or get a new claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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 dispute several inaccurate and fraudulent items on my credit report, which I have identified as the result of identity theft. As a victim of identity theft, I assert that these charges were not authorized by me and are being reported in clear violation of the Fair Credit Reporting Act ( FCRA ). these following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-12-08 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-12-08 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:
Could you examine this entry? Its late and might be wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
My payment was due XXXX XXXX and on XXXX XXXX my account was credited with rewards points for the full amount due. I later received notice that my account was past due and I was charged fees. Citi said that points go toward the next statement but this was credited to my account BEFORE the due date.

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 monetary relief
Consumer complaint received 2025-12-08 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: NY

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 explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
Issue : Debt collector failed to provide required written information and is refusing to validate terms before payment. 

Complaint : I contacted National Credit Systems ( NCS ) regarding Account # XXXX. 
I am willing to resolve this account, but before making any payment, I requested written confirmation of the payment terms and how the account will be reported to the credit bureaus ( XXXX XXXX XXXX ) after payment. 

I sent NCS two written requests on [ insert dates you sent emails ], including a final request asking for : Written confirmation of the settlement amount A pay-for-delete agreement A written statement showing how the account will be reported after payment NCS has not responded XXXX either request, despite acknowledging communication by phone. 

I clearly stated that I will make payment immediately once I receive written documentation. They have refused to provide anything in writing, which prevents me from resolving the account and violates my right to receive written information before payment. 

I am requesting CFPB assistance in obtaining the required written confirmation, or for NCS to stop collection activities and update reporting accordingly. 

I will provide copies of both emails as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: NJ

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 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 2025-12-08 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: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
To Whom It May Concern : I am writing to request that you update my personal information in your records to the following : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please send me a complete copy of my entire consumer file that you maintain under my name and Social Security number.

I also hereby opt out of any sharing, selling, or disclosure of my personal information with any third parties for any reason. If you share my information after this notice, I will pursue legal action for violations of my consumer rights and privacy.

I have attached a copy of my government-issued identification, Social Security card , and proof of residency to verify my identity and address. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: CA

Complaint narrative:
I am not connected to these accounts, and they must be removed within 15 days under USC 1681g.

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 2025-12-08 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: CA

Complaint narrative:
On XX/XX/year> my chime account was hacked. Someone was able to log in from a new device and change my email then transferred all my savings to a stranger outta state. I have made a police report and disputed the transfer I also requested the money back and it was declined and I was blocked. Chime will not honor my dispute. Its is going on 3 weeks and I havent received none of my money back even tho I have sent numerous supporting documents to prove that I did not authorize this transfer or email change.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Beginning in late XX/XX/XXXX, I discovered that my contracted TransUnion/XXXX XXXX role access had been removed from my original XXXX account without my authorization or knowledge. I requested information regarding who removed the XXXX role, when the change occurred, and what access took place after the removal. I notified XXXX XXXX  and XXXX XXXX by email SEVERAL times during XXXX XXXX, and did not receive any response or remediation. 

When I escalated on XX/XX/XXXX, a TransUnion representative removed XXXX XXXX  from the email chain and added XXXX individuals from my employer who appear to have been involved in the removal of my access. No explanation has been provided for the administrative change, and no audit logs, access history, or security documentation have been supplied. I am unable to verify who accessed information, when they accessed it, or whether data was viewed or downloaded. 
I am requesting investigation and remediation due to potential unauthorized access, credential manipulation, and failure by TransUnion/XXXX  to provide basic consumer security information or respond to multiple attempts to resolve this matter. XXXX also denied the XXXX  a response. 
Backed by multiple federal consumer protection and data privacy agencies already notified ( including CFPB, FTC, and IC3 ), I also require written assurance that any unauthorized access or credential manipulation will be formally reported to the appropriate regulatory authorities and to me directly as the affected consumer.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: CA

Complaint narrative:
To Whom It May Concern : I am writing to request that you update my personal information in your records to the following : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/year> Please send me a complete copy of my entire consumer file that you maintain under my name and Social Security number. 

I also hereby opt out of any sharing, selling, or disclosure of my personal information with any third parties for any reason. If you share my information after this notice, I will pursue legal action for violations of my consumer rights and privacy.

I have attached a copy of my government-issued identification, Social Security card , and proof of residency to verify my identity and address. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: SC

Complaint narrative:
I am filing a formal complaint against XXXX for reporting false derogatory payment history and failing to conduct a lawful investigation, which is causing ongoing harm to my credit profile. 

1. The account is paid in full but still reporting derogatory information The account ( XXXX  ) shows a {$0.00} balance and clearly states that I have paid off 100 % of this loan. 
Despite this, the furnisher continues to report multiple late payments and derogatory marks, including : Numerous late payments across XXXX A derogatory indicator Inconsistent reporting even after the account was closed and paid This is factually inaccurate, misleading, and violates FCRA 602 ( A ) and 607 ( B ).

2. The reporting is incomplete, erroneous, and unsupported The furnisher has never provided me with any validation, documentation, billing records, payment schedules, or proof supporting these late payments.

Under FCRA 623 ( a ) ( 1 ) and 623 ( a ) ( 3 ), a furnisher may not report information they can not verify.

3. Failure to investigate disputes I disputed this account with the credit bureaus.

The furnisher either : Failed to properly investigate, Verified information they can not validate, or Did not provide adequate documentation to the bureaus.

This is a violation of : FCRA 611 ( a ) : Failure to conduct a reasonable investigation FCRA 623 ( b ) : Failure of the furnisher to investigate and correct inaccurate info 4. This continued reporting is intentionally damaging The account is closed, paid, and should not be showing ongoing derogatory marks. This inaccurate reporting is harming me financially by impacting : My creditworthiness My ability to obtain fair credit terms My FICO score

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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 2025-12-08 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: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-12-08 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 a victim of identity theft, There are several accounts on my 3 credit reports thats I never gave anyone permission or authorization to open these accounts without my consent. These accounts need to be removed immediately. I didnt benefit or gain any money form these fraudulent accounts. Inquiries are seen XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
I had a temporary hold on my funds everything was still active with my account I was still able to use it once my temporary hold was lifted on my funds and my funds went back to my available balance they closed my account and said Im not entitled to my funds

Company response to consumer: Closed with explanation