vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: IL

Complaint narrative:
XXXXI have two cards issued through Elan XXXX XXXX that have been improperly closed one practically amounting to conversion of funds on the part of Elan, and the other where the account was incorrectly debited, resulting in a incorrect double charge, and where the original card was changed in the last four numbers, for a card I don't know about, never had, and even though its on the same dashboard there is no way I can be sure the card is even mine.  I also attempted to explain a misunderstanding I had on the balance on the second card, and admitted my mistake but Elan never responded to my emails or calls.  I also am adding Cardmembers Services, Visa, the apparent issuer of the cards saying I was closed because my card was or could be used in some sort of fraud.\nCard number XXXX XXXX XXXX XXXX had a 2949 payment made by mistake by a private client of my  company XXXX  XXXX XXXX XXXX XXXX XXXX, an Illinois LLC.  This payment was mistakenly sent to my credit card, instead of my bank account, and once I knew that I sent a detailed email to Elan explaining the issue.  I also was referred to the verification department of Elan, and apparently fraud, but none of my emails were responded to, neither did any phone call help straighten out the situation.\nAlong with keeping the money, which was not mine, and I had not agreed that it be paid on the card, which I explained, in the attached emails I sent to Elan, Elan kept the XXXX  dollar, crediting it to my account, then closed the account.\n\nCard number XXXX XXXX XXXX XXXX is a XXXX  limit personal card.  The same mistaken payment, actually two were made, by my client to this card also.  I admit I gave the card information to my clients to be used, per my permission in our business arrangement, never thinking that the client's representative would think they were debit cards.  I made a purchase with this card, and disputed the charges, which was properly decided against me because I realized what the charges were, and I emailed Elan about this admitting my mistake.  Elan never responded to my email on this issue, reversed the two mistaken credits in question, charged back, apparently (I can't understand its accounting) the two mistaken payments, I noted above, for card ending in XXXX, and closed the account and is billing me under a different card number, ending in XXXX.  I have no idea what thar card is, got no explanation, other than a bill notice from Cardmember Services."

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 2025-11-11 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: SC

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

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 2025-11-11 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: NJ

Complaint narrative:
I am writing to formally dispute the hard inquiries on my credit report that I believe to be either unauthorized, incorrect, or not in compliance with the Fair Credit Reporting Act ( FCRA ). According to the FCRA, only inquiries that I explicitly authorized or that meet legal standards may appear on my credit report. Any unauthorized or improper hard inquiries must be removed immediately. 

XXXX. Creditor/Company Name : [ XXXX XXXX ] Date of Inquiry : [ XX/XX/year> ] Reason for Dispute : [ Unauthorized inquiry or other reason, I did not consent to this credit check ] XXXX. Creditor/Company Name : [ XXXX XXXX XXXX XXXXXXXX XXXX XXXX of Inquiry : [ XX/XX/year> ] Reason for Dispute : [ Unauthorized inquiry or other reason, I did not consent to this credit check ] XXXX. Creditor/Company Name : [ XXXX ] Date of Inquiry : [ XX/XX/year> ] Reason for Dispute : [ Unauthorized inquiry or other reason, I did not consent to this credit check ] XXXX. Creditor/Company Name : [ XXXX ] Date of Inquiry : [ XX/XX/year> ] Reason for Dispute : [ Unauthorized inquiry or other reason, I did not consent to this credit check ] XXXX. Creditor/Company Name : [ XXXX XXXX XXXX XXXXXXXX XXXX XXXX of Inquiry : [ XX/XX/year> ] Reason for Dispute : [ Unauthorized inquiry or other reason, I did not consent to this credit check ] As per the Fair Credit Reporting Act ( FCRA ), credit bureaus are obligated to maintain only accurate, verified, and authorized information on my credit report. If any inquiries are made without my explicit authorization, they must be removed immediately. 

I respectfully request that you immediately investigate these hard inquiries and remove them from my credit report if they are found to be unauthorized or improper. I understand that credit bureaus are required to resolve disputes within XXXX  days as per the FCRA. If these inquiries can not be verified or do not comply with legal standards, I request they be removed from my report within this time frame. 
Once this matter is resolved, I respectfully request an updated credit report reflecting the removal of the unauthorized inquiries. 

Thank you for your prompt attention to this matter. Please notify me of your investigations outcome as soon as possible.

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

Complaint narrative:
Experian reinserted a XXXX XXXX collection account that had been deleted in XXXX after a previous dispute. The same account was added back in XXXX under a slightly different name without notice or proof that the furnisher certified its accuracy. I never received the required five-day reinsertion notice under the Fair Credit Reporting Act. Experians XX/XX/XXXX response stated the furnisher verified the data but did not address the missing reinsertion notice or certification.

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 2025-11-11 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 filing this complaint because Experian and Equifax are reporting multiple inaccurate and unverifiable accounts and inquiries on my credit file, in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

The following accounts contain errors : XXXX XXXX ( # 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  These accounts are being reported with inconsistent balances, false delinquency dates, duplicate statuses ( paid/charge-off ), and unverifiable ownership details.

Additionally, numerous inquiries were listed on my Experian report without my written authorization ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX etc. ). I never gave consent for some of these hard inquiries. 

I have attached two formal dispute letters addressed to the CFPB and the respective credit bureaus that include detailed factual disputes and references to consumer law : FCRA 602 ( a ), 605 ( a ), 607 ( b ), 609 ( a ) ( 1 ), 611 ( a ) FDCPA 807 ( 8 ), 809 ( b ) I am requesting that the CFPB require both Experian and Equifax to conduct a lawful investigation, verify each disputed item directly with the original creditor, and delete any unverifiable or obsolete data under FCRA 611 ( a ). 

I am also requesting removal of unauthorized inquiries and confirmation of updated reports once completed.

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 2025-11-11 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Credit Dispute Complaint Letter To : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Credit Reporting Complaint Fair Credit Reporting Act ( FCRA ) Violations From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX Phone : XXXX Date : XX/XX/year> To Whom It May Concern, I am submitting this formal complaint regarding multiple inaccuracies and reporting violations that have occurred on my consumer credit reports, in violation of the Fair Credit Reporting Act ( FCRA ). Despite my previous dispute submissions to the credit reporting agencies ( XXXX XXXX, and TransUnion ), these inaccuracies have not been properly investigated or corrected within the required 30-day time frame.

I have attached copies of my dispute letters sent to each credit bureau, as well as supporting documentation including identification and proof of address. These items contain details of the specific accounts and errors in question.

I am requesting that the CFPB conduct a full investigation into the failure of the credit reporting agencies and/or data furnishers to comply with FCRA Section 611 ( 15 U.S.C. 1681i ) and ensure that the inaccurate items are permanently deleted or corrected.

Additionally, I ask that the CFPB hold the reporting agencies accountable for their noncompliance and issue any appropriate penalties or directives to bring them into compliance with federal law.

Please confirm receipt of this complaint and provide written updates as the investigation progresses. I appreciate your prompt attention to this matter.

Sincerely, 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 2025-11-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Giggle Finance Inc.
State: FL

Complaint narrative:
I took a {$300.00} cash advance from Giggle Finance. On XX/XX/year>, I emailed them to revoke authorization for any future withdrawals. The next day, Giggle Finance created a remotely generated check for {$520.00} and withdrew funds from my XXXX XXXX XXXX account without my consent. 

My bank confirmed the check was unauthorized and refunded me. I have proof of my revocation notice, the forged check, and my banks confirmation. 

Im requesting the CFPB investigate Giggle Finance for unauthorized withdrawals and ensure they cease all collection attempts, close my account, and confirm in writing that no valid debt exists.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-11 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: CO

Complaint narrative:
I have received a copy of my Experian XXXX reported dated XX/XX/XXXX and it's showing erroneous and incomplete information on a XXXX Bank account number # XXXX. This account 's first initial first date of delinquency occurred in XX/XX/XXXX. However, Experian and by extension XXXX Bank have chosen to maximize the hurt and pain by re-aging the account to XX/XX/XXXX. 

Also, Experian has chosen to report the XXXX XXXX account 's first date of delinquency as XX/XX/XXXX. They have also re aged this account because the first date of delinquency was XX/XX/XXXX. 

This is an affront to the FCRA doctrine that states all information reported to and by a XXXX XXXX must be accurate, truthful, and complete. In my case, this is not what Experian, XXXX Bank, and the XXXX XXXX have done. The date of deletion has been removed, doctored and manipulated to make sure that the accounts stay on and as a result maximize the full dosage of pain and anguish and by extension make a mockery of the FCRA guidelines. I demand that these accounts be deleted immediately as they are incomplete, erroneous and doctored.

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 2025-11-11 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:
I am submitting this complaints to formally dispute several inaccuracies on my credit report that have caused significant confusion and concern. As a responsible consumer, I have always taken my financial obligations seriously, yet my report reflects information that is not only incorrect but potentially harmful to my creditworthiness.I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), particularly sections 602 ( Congressional Findings and Purpose ), 605 ( a ) ( Obligation to Ensure Accurate Reporting ), 611 ( Procedure for Disputes ), and 623 ( a ) ( 2 ) ( Duty of Furnishers to remove and Update Information ). 
First, my address is being inaccurately reported as XXXX XXXX XXXX, XXXX, CA XXXX. This is incorrect ; my current and correct address is XXXX XXXX XXXX, XXXX, CA XXXX. Under FCRA 611 ( a ) ( 1 ) ( A ), I have the right to dispute and require verification of all information reported. I request that this inaccuracy be investigated and remove immediately. 
Additionally, I am disputing multiple accounts reported as charged-off : XXXX XXXX, Balance : {$0.00} XXXX XXXX XXXX, Balance : {$0.00} For these accounts, I request that you apply FCRA 623 ( b ), which mandates that furnishers have a duty to investigate and correct any inaccurate or unverifiable information. Reporting XXXX balances as charged-off without proper context misrepresents my credit history and can negatively impact my financial opportunities. 
Furthermore, there are accounts with outstanding balances that have been charged-off and should be addressed under FCRA 605 ( a ) and internal IRS guidance regarding XXXX cancellation of debt : XXXX/XXXX  XXXX, Balance : {$590.00} XXXX BANK XXXX XXXX, Balance : {$4500.00} These accounts should be accurately reported, reflecting any cancellation of debt if applicable, as required by law. The reporting of these balances as charged-off without consideration of debt forgiveness documentation violates my rights under 605 ( a ) and 623 ( a ) ( 2 ) of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Lending Services LLC
State: MD

Complaint narrative:
There is an automobile active account on my report that started XX/XX/year> for {$17000.00}. I noticed this debt on the report while I am purchasing my first vehicle with a car note. This is not my vehicle. There are a few things on my credit that I did not authorize.

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

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-11-11 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: GA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX # XXXX XX/XX/year> -- {$1900.00}

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 2025-11-11 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: MO

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

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 2025-11-11 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: HI

Complaint narrative:
b'My Account Through My Chime Bank Account Was Charged $33.20 On XXXX XXXX XXXX XXXXfter The Transaction Was Flagged As Fraudulent Activity By Chime.\XXXX XXXX XXXX Kept Attempting w/Swirling() To Take Money From My Account Even After I No Longer Hit Submit/Confirm. Chime Flagged The Charge But Paid XXXX XXXXy Money Anyway. I Tried To Call XXXX & Text via XXXX  But, The Number Is International In The UK & No XXXX Account. I Was Able To Contact The 3rd Party Flight Reservation via XXXX XXXX For XXXX & Was Told By The Agent To Contact XXXX Directly. I Contacted XXXX On Facebook & The Agent Cam Told Me To Contact My Bank Which I Already Did After I Provided Cam The Information RequestedXXXXil.com\XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
I am filing this complaint because Sunrise Credit Services is reporting completely inconsistent and inaccurate information about the same AT & T Mobility account across the credit bureaus. On Experian, the account shows a {$0.00} balance, but on TransUnion, the same exact account number is reported with a {$4000.00} balance. That is factual proof of false and inconsistent reporting under FCRA 623 ( a ) ( 1 ) ( A ) and XXXX XXXX XXXX, which require furnishers to report complete and accurate data across all credit reporting agencies. 
I have repeatedly disputed this account, both through certified mail and through the credit bureaus. I requested full validation of this debt, including the original XXXX XXXX XXXX agreement, billing statements, and proof that Sunrise even has legal ownership or assignment of this debt. To this day, I have not received a single document. 
On top of that, Sunrise Credit Services has threatened legal action and called me after hours, violating FDCPA 805 ( a ) and 807 ( 8 ). You can not threaten lawsuits or continue collecting when you havent validated the debt. Your companys failure to provide documentation while continuing to furnish inaccurate and conflicting data is both illegal and unethical. 
This is a factual dispute under federal law. You are knowingly furnishing false, conflicting, and incomplete data. I have given you multiple opportunities to correct this, and your failure to do so proves willful noncompliance with FCRA, FDCPA, and XXXX XXXX standards.

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to dispute inaccurate and misleading information currently being reported on my credit file. After reviewing my credit report, I found an account that is being reported incorrectly, and I am demanding that it be investigated and corrected or removed immediately. 

The way this account is currently reflected is completely wrong. Whether it's showing late payments that never happened, an open status when the account was closed, or any other inaccurate detail the bottom line is this : the information is not accurate, not current, and not a fair representation of my credit history. I have always paid this account as agreed, and your reporting suggests otherwise, which is unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ), you are required by law to ensure that all information on a consumer 's credit file is complete, accurate, and verifiable. Reporting wrong information especially if it damages someones creditworthiness is not just a mistake, its a violation of 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 non-monetary relief