vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 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 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 rectifythese issues. 
Account Name : XXXXXXXX XXXX  Account Number : XXXX 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 2025-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: MO

Complaint narrative:
I have been calling discover for two weeks advising that my balance was not updating even verified a few payments with my bank I spent over 3 hours on the phone receiving 3 or 4 different answers as to why my XXXX credit limit only had a balance of XXXX and no pending charges on the account, the result of the call was to update my account available credit to XXXX and they advised the around XXXX was pending from a charge to XXXX on my old account since I had requested a new card. I have charges back to XXXX XXXX that I can see and show that the XXXX purchase was made on XX/XX/XXXX. I am confused about the accuracy of my account and would like this investigated because i spoke to a supervisor on XX/XX/XXXX around XXXXpm who assured me everything is accurate and I have not gotten the correct or a straight answer. I have a balance of XXXX for payments and credits on my account back to XX/XX/year> with a transaction total of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: PA

Complaint narrative:
I received several consecutive email notifications from Chime credit builder/debit dated XX/XX/XXXX. The initial email was a welcome letter for applying an account and joining Chime. It had the location of XXXX, Pa around XXXX and device of a XXXX XXXX to access Chime and open an account. I received a separate email with a routing and checking account number. I received a separate email with an attachment of a direct deposit form to transfer money and start spending. I received a seperate email congratulating me on joining Chime. I received a separate email saying I will be receiving a debit card to my home address. I was not In XXXX, Pa on XX/XX/XXXX. I was home. I do not own a XXXX device. I googled Chime customer service and called bc I could not find a number to contact in the email. The initial call sounded like an international call that a male with foreign accent answered. I hung up and waited a few minutes and called back. When they picked up the phone I heard it laughter of several people first. It did not sound like an office. It sounded like an international call that was outside or in an echoing room with multiple people talking with foreign accents. He asked how he can help me. I said I received emails from chime regarding opening an account that I did not do. He asked for my name. I stated I was not going to give him my information. I said I will give you the account number in the email and he said ok. He proceeded to tell me he had to ask me my information to verify the account. I reiterated i did not open this account and that he should already have my information if I gave him the account number. I asked him what country he was in or where this business is located and he paused then said I can not give you that information I asked where is this business located and he replied the same. I told him the website verifies its in the United States so I asked again what country he was in and no answer. I said something to the effect you want my information but you cant give me information on this business or where you are. I asked to speak to someone who can speak English. He did not reply. He said it was a breech to tell me the information I asked. This call definitely was not in an office setting. It sounded like an international call it was noisy in the background like it was outside or in a basement. I hung up because he wanted my personal information for an account I did not open.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: OH

Complaint narrative:
I am writing to request the deletion of spcific infrmation in my file. The items I ned removed are detiled in the attached report. I am a victim of identity theft and did not make the listed charges. To correct my credit report, I ask for these items to be deleted promtly. I have reported the identity theft to the Federal Trade Commission and have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please process the deletion of these items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: OH

Complaint narrative:
I am writing to request the deletion of spcific infrmation in my file. The items I ned removed are detiled in the attached report. I am a victim of identity theft and did not make the listed charges. To correct my credit report, I ask for these items to be deleted promtly. I have reported the identity theft to the Federal Trade Commission and have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please process the deletion of these items as soon as possible.

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 2025-03-26 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX - Balance : {$370.00} - Account # : XXXX XXXX XXXX XXXX - XXXX : {$560.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$18000.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX - Balance : {$370.00} - Account # : XXXX XXXX XXXX XXXX - XXXX : {$560.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$18000.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under 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 2025-03-26 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: AL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing this formal complaint expressing my concern and deep frustration regarding XXXX handling of the well-publicized data breach. I was never notified that my personal information had been compromised in the breach, which has led to serious consequences in my life, including : Identity theft My personal information being sold on the dark web Closure of my bank account due to fraudulent activity Countless hours spent verifying my identity with financial institutions Out-of-pocket expenses for credit monitoring and identity protection I recently learned that Equifax had already issued settlement payments in response to the breach. However, I was not made aware of this situation and, therefore, had no opportunity to file a claim or take steps to properly protect myself. Your failure to notify me of this breach has resulted in preventable damage to my financial well-being and personal security.

I am formally requesting that Equifax open an immediate Customer Care Review of my case. Given the lack of notification on your part and the consequences Ive endured, I believe I am entitled to compensation and resolution, even if the original settlement deadline has passed.

If this matter is not addressed, I will have no choice but to pursue legal action for Equifax 's neglect to inform me in a timely manner about the breachthus denying me the opportunity to protect myself and take part in the settlement process.

I expect a response and resolution in a timely manner. Please acknowledge receipt of this complaint and advise me of the next steps for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXXBalance Owed XXXX XXXX Date Opened XXXX XXXX Payment Status : Late 150 Days Last Payment : XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX Date Opened : XXXX Payment Status : Current Last Payment : XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXXBalance Owed XXXX XXXX Date Opened XXXX XXXX Payment Status : Late 150 Days Last Payment : XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX Date Opened : XXXX Payment Status : Current Last Payment : 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 non-monetary relief
Consumer complaint received 2025-03-26 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: HI

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: GA

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 reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. 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 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 2025-03-26 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: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries.

Account Name : XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
equifax which is were my XXXX  happened with my personal information which was impacted my XXXX  number is XXXX they don't want to remove the XXXX  from my credit report XXXX  and XXXX  have remove it. Its been over XXXX  years. If I dispute anything within a Day or XXXX they say its been verified already.I want them to remove this old XXXX  from my report and those collections and protect my identity better

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Please remove these fraudulent inquiries from my credit consumer report. Delete this hard inquiry because it doesn't have permissible purpose according to 15USC1681B.

Recently while reviewing my credit report, I noticed that I've been a victim of identity theft and found numerous credit inquiries I have no knowledge of. Here is a list of inquiries that I found. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 hard inquiries do not have permissible purpose according to the four-credit reporting act. Anything furnaced on my consumer credit report must have permissible purpose according to 15 USC1681B.

Please remove these fraudulent inquiries from my credit consumer report. Delete this hard inquiry because it doesn't have permissible purpose according to
15USC1681B.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CHARLES SCHWAB CORPORATION, THE
State: MA

Complaint narrative:
Account has been frozen for false fraud alert and they refuse to unfreeze or close the account at charles schwab

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: TX

Complaint narrative:
I demand that this closed account be deleted under the FCRA law 15 USC 1681 this account is not mine and my report is inaccurate i have tried to rectify this situation three times i will be contacting my lawyer. There is an identity theft report for DISCOVER!!

Company response to consumer: Closed with explanation