vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: ND

Complaint narrative:
On XXXXXX/XX/year> I received an alert from my account with CHIME that I had XXXX in my credit builder that was transferred from my checking ( not by me ) ( unauthorized transaction by chime ) I went to access it and I was locked out from accessing it. In XXXX XXXX  it was labeled 'security deposit ) .I called chime 6 times to find out why I could not access my own money and was given a different answer every time I called.I asked for the fraud department and was put on hold until I hung up 15 minutes later with no resolve.I want to know how long they have been accessing my account without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: NV

Complaint narrative:
Dear CFPB, I am filing this complaint because the nationwide consumer reporting agencies ( Experian, TransUnion, and Equifax ) have failed to delete or correct inaccurate and/or unverifiable information on my credit reports despite several dispute letters I sent via Certified Mail with proper identification and documentation. Their responses relied on cursory verifications, did not provide the required Method of Verification, and did not address the specific reporting and XXXX XXXX compliance defects I identified. 
Accounts in Dispute ( appearing on my reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I am writing to file a formal complaint against Regions Bank regarding the closure of my joint checking and savings accounts, the freezing of my funds, and what I believe to be discriminatory practices based on my immigration status and national origin. 

1. Background and Timeline In XX/XX/XXXX, my wife and I opened a checking and savings account at Regions Bank in XXXX, Tennessee, providing our Colombian passports as identification. 

Since XX/XX/XXXX, I have received my salary from XXXX XXXX University via direct deposit into this account, and we have used it regularly to pay bills through direct debit. 

On XX/XX/XXXX, my wife was issued a Social Security Number ( SSN ) after being granted permanent residence status in the United States. 

In XX/XX/XXXX, she went to Regions Bank on two separate occasions to provide her SSN and later her permanent resident card ( XXXX XXXX ). 

2. Account Closure and Frozen Funds On or about XX/XX/XXXX, we discovered that our account had been frozen and we could not access online or mobile banking. 

On XX/XX/XXXX, we visited a Regions Bank branch and were informed by the branch manager that our account had been closed for failure to provide a valid SSN, which is factually incorrect as my wife had provided the SSN and green card in person on two occasions. 

To make matters worse, the bank refused to release our funds directly, stating that a check had been mailed by post, without providing confirmation of the check number, mailing address, or mailing date. At this time, we still do not have access to our funds. 

3. Discriminatory Practices In the past, Regions Bank refused to offer us any credit products, stating that their policy was to only grant credit to U.S. citizens. I believe this is a discriminatory practice in violation of the Equal Credit Opportunity Act ( ECOA ), which prohibits discrimination on the basis of national origin or immigration status. 

As a lawful permanent resident, I am legally entitled to fair and equal access to financial services, including credit. 

4. Harm Caused The sudden account closure has disrupted my ability to receive my salary and make bill payments.

The refusal to release my funds has placed me and my family under unnecessary financial hardship. 

The discriminatory denial of credit products and now the mishandling of my wifes SSN and immigration documents demonstrate a pattern of unfair treatment. 

Thank you for your attention to this matter. I trust your office will investigate this situation promptly to ensure compliance with U.S. banking and consumer protection laws. 

Sincerely, 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 2025-09-12 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:
RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C.

1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
XXXX XXXX XXXX XXXX XXXX XXXX  the inquiry was not authorized. 
XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - the inquiry was not authorized. 
XXXX XXXX XXXX - XX/XX/XXXX - the inquiry was not authorized. 
XXXX XXXX - XX/XX/XXXX - the inquiry was not authorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the inquiry was not authorized. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX the inquiry was not authorized. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  the inquiry was not authorized. 
XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX- the inquiry was not authorized. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX the inquiry was not authorized. 
XXXX XXXX XXXX XXXX  the inquiry was not authorized. 
XXXX XXXX - XX/XX/XXXX - the inquiry was not authorized. 
XXXX XXXX XXXX XXXX the inquiry was not authorized. 
XXXX XXXX XXXX XXXX the inquiry was not authorized.

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 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: NY

Complaint narrative:
I am writing to formally dispute certain information that appears on my credit report, which i believe is the result of a data breach and possible identity theft. Under 15 U.S.C 1681c-2, I am requesting that you investigate and block the information that is related to the data breach. This information may have been fraudulently reported as part of a data breach in which my personal information was compromised. As i have not authorized any of these accounts or transactions, I am requesting that the items in be blocked from my credit report in accordance with 15 U.S.C 1681c-2 which requires the blocking of fraudulent information resulting from identity theft and data breach. I request that you block this information from my credit report, and kindly confirm in writing when the action has been completed. I understand that under the fair credit reporting act, you. are required to complete your investigation and respond within 30 days. Thank for this attention to this matter. 


PLEASE REMOVE ALL FRAULENT ITEMS OFF MY CREDIT REPORT!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-12 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: TX

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, Balance : {$5000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Opportunity Financial, LLC
State: TN

Complaint narrative:
Dear CFPB Representative, I am submitting this complaint regarding several paid and closed accounts that continue to appear on my credit reports with the nationwide consumer reporting agencies ( XXXX, XXXX, and XXXX  ). 

These accounts are marked as paid and closed, yet they continue to remain on my credit file in a manner that negatively affects my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, consumer reporting agencies are required to ensure that all reported information is accurate, fair, and does not mislead or cause undue harm. 

Because these accounts are fully satisfied and no longer active, I believe their continued reporting is unfairly punitive and does not reflect my current financial responsibility. At minimum, the information should be reviewed for accuracy, and if it can not be verified as correct, it must be deleted in accordance with FCRA guidelines. 

I am requesting that the CFPB investigate this matter and require the credit reporting agencies and furnishers to : 1. Review the reporting of the paid, closed accounts on my credit file.

2. Delete the accounts from my report if they can not be verified as accurate, relevant, and necessary under the FCRA.

3. Provide me with confirmation of the actions taken. 

I have attached supporting documents, including my credit reports and proof that these accounts are fully paid. 

Thank you for your attention to this matter and for helping ensure my credit history is reported accurately and fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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 FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH 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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: FL

Complaint narrative:
I was impacted by the Equifax XXXX data breach. My personal data was compromised. I continue to experience harm ( fraudulent accounts / credit report errors / monitoring issues ). I am seeking resolution in line with CFPB consumer protections. 

US Dept of Ed is the name of the account and Im not sure exactly when this account was open but the date of delinquency says XX/XX/XXXX and the balance is {$8700.00}. 

Im in the process of purchasing my home and this needs to be removed from my credit immediately.

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 2025-09-12 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: TX

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

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 2025-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is attempting to collect on a debt that I have repeatedly requested the original signed contract for. At this time, I request that the company provide proper documentation that proves : The amount of the alleged debt ; The name of the original creditor ; That you are authorized to collect on this account ; A complete payment history, including all fees and interest ; Verification that the statute of limitations on this debt has not expired. 

Please note that until you provide the requested validation, you must cease all collection activity, including reporting this debt to the credit bureaus. If you have already reported it, you must notify them to remove it until proper validation is provided. 

Be advised that I am keeping records of all correspondence related to this matter and have already reported violations. 

I request that all future communication be made in writing only.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: CA

Complaint narrative:
Called Chime numerous times, they've refused to close an account. Someone opened a checking account and a credit card in my name without my knowledge. The reason I became aware because I've received physical cards at my mailing address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: MS

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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