vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MO

Complaint narrative:
Today XX/XX/year>, I talked to someone on XXXX number ( XXXX ) XXXX. They said that they will give me {$2500.00} if I give them {$25.00}. We tried using cash app, but that didnt work. Then we used chime, at XXXX am they asked for {$15.00}. Then after I sent them the money, there was an issue and I wanted my money back. They didnt want to give it back, then asked for {$10.00}. I asked if the {$10.00} is it, they said yes and gave me a different account. I sent the money to that account and they asked for {$25.00}. I gave up, and asked for my money back that I sent them. I dont know which of the chime accounts were really theirs, they had XXXX with a XXXX XXXX XXXX the owner then a XXXX XXXX and the XXXX number was ( XXXX ) XXXX. I tried calling Chime to report them being a scammer and fraud, but they said that there is nothing they can do even when I gave them all the details about it. I tried asking the person for my money back, but they continuously tell me no and to trust them and give them more money. At this point I want chime to give me my {$25.00} from them or they give it to me personally due to them not doing anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: GA

Complaint narrative:
I am formally disputing the accuracy, completeness, and legality of the following negative accounts reported on my Experian credit file. Pursuant to FCRA 602 ( a ), 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), you are required to ensure all data furnished is complete, accurate, and verifiable.

I have reason to believe the following accounts violate these provisions, as well as XXXX compliance standards : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX an open collection from XXXX with inconsistent Date Last Active and Date of Last Payment, violating 623 ( a ) ( 2 ). 
XXXX. XXXX XXXX XXXX XXXX repeated late payments despite recent current status ; unverifiable payment data and failure to ensure maximum accuracy under 607 ( b ). 
XXXX. XXXX XXXX XXXX an unpaid charge-off from XXXX ; this account exceeds the 7-year reporting limit under 605 ( a ) ( 5 ). 
XXXX. XXXX XXXX XXXX XXXX {$120.00} charge-off from XXXX with resolved dispute notation yet still listed as derogatory, violating 611 ( a ) ( 5 ) ( A ). 
XXXX. XXXX XXXX XXXX XXXX XXXX late payments on a closed, $ XXXX account ; this is misleading and constitutes furnishing inaccurate data under 623 ( a ) ( 1 ) ( A ). 
XXXX. XXXX / XXXX XXXX Paid/closed account still displaying 30- and 60-day lates ; this violates 607 ( b ) and fails to reflect current factual status. 
XXXX XXXX XXXX Closed in XXXX with XXXX balance ; continued derogatory status constitutes outdated reporting under 605 ( a ) ( 5 ).

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 2025-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: DC

Complaint narrative:
I have no idea what this account is.And this account should be completely removed from my credit.Immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: NY

Complaint narrative:
I am writing to address a matter of non-compliance with the Fair Credit Reporting Act ( FCRA ) Section 609 by the credit bureaus. I submitted a complaint to the credit bureaus regarding inaccuracies in my credit report, as per FCRA guidelines. According to the FCRA, the credit bureaus are legally obligated to respond within 30 days of submission. However, it has now been more than 30 days since my complaint was filed, and I have not received any response from the credit bureaus. As per FCRA rules, this failure to respond within the stipulated timeframe warrants the removal of the disputed negative items from my credit report. I kindly request that the credit bureaus address this issue promptly and take the necessary steps to rectify my credit report in accordance with FCRAregulations. 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 proofofmyidentity, my Proof of Address, and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: GA

Complaint narrative:
I am challenging the accuracy and completeness of the following items listed on my credit file with TransUnion : Negative Accounts : XXXX XXXX XXXX XXXXXXXX  XXXX Account Status : Charge-Off o Balance : {$520.00} o Violation : FCRA 607 ( b ), improper status coding, unverifiable account, XXXX XXXX format violation. 
XXXX. XXXX  XXXX o Late Payments : XX/XX/XXXX o Violation : DOFD and payment profile inconsistencies, not aligned with XXXX XXXX. 
Violates FCRA 605 and 611.

Inquiries Not Linked to Positive Accounts : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Violation : FCRA 604 and 609 ( a ), no linked tradeline or permissible purpose. 
Given the TransUnion Data Breach ( XXXX ), data integrity is compromised. I demand deletion or complete verification under FCRA 611 within 30 days. Failure to comply will result in escalation.

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 2025-10-23 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: TN

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 non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX and this complaint is for I need a need account number is XXXX update on checking and saving account to I need to know when will I get my withdrawal check to me by mail at XXXX XXXX XXXX XXXX Pennsylvania XXXX and how much will it be and the cost and what date will I get it and mail it out to me? phone number is XXXX and email is XXXX etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-10-23 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: PA

Complaint narrative:
XXXX XXXX XXXX play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX  - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX - {$670.00} XXXX  - XX/XX/XXXX - {$16000.00} Hard Inquiries : XXXX CARD - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX CARD - XX/XX/XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: PA

Complaint narrative:
XXXX XXXX XXXX play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX  - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX - {$670.00} XXXX  - XX/XX/XXXX - {$16000.00} Hard Inquiries : XXXX CARD - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX CARD - XX/XX/XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am filing this complaint against Wells Fargo Bank , N.A . ( XXXX ID : XXXX ) for notary errors and unauthorized account access impacting my loan modification ( Loan # XXXX ). These errors delayed my process after a XXXX trial, caused a XXXX credit drop, and triggered a foreclosure threat, while the account access violated my privacy. This violates FCRA and RESPA. I seek investigation, compensation, and corrections. 

What Happened ( Description ) This follows closed case # XXXX ( XX/XX/XXXX ). Wells Fargo committed notary errors at XXXX XXXX  XXXX XXXX, XXXX, TX ( XX/XX/XXXX stamp overlap by XXXX XXXX ; XX/XX/XXXX missing initial by XXXX XXXX XXXX ), causing XXXX  to reject my mod docs twice after a XXXX trial ( XXXX ), despite my payments. Their XX/XX/XXXX response admits slight issues but refuses to acknowledge these as errors, ignoring XXXX XX/XX/XXXX extension ( attached XX/XX/XXXX letter ). I sent proof on XX/XX/XXXX ( attached screenshot ), but XXXX XXXX denied receipt on XX/XX/XXXX. On XX/XX/XXXX, XXXX requested a XXXX letter. Their unauthorized XX/XX/XXXX account access to check payments, unrelated to notary errors, is unacceptable. This delayed my mod ( suspended XX/XX/XXXX ), caused a XXXX drop ( XXXX to XXXX on XX/XX/XXXX ), and led to a suspended foreclosure ( XX/XX/XXXX ). I sent a XXXX  to XXXX on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: FL

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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 2025-10-23 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:
Permissible Purpose and Petition for Unauthorized Bankruptcy Account Experian Data Breach Victim ( Case No. XXXX ) I am a California consumer, XXXX XXXX XXXX XXXX XXXX  Veteran, and I am writing to lodge an urgent complaint regarding a serious inaccuracy on my credit report. Specifically, my report reflects a bankruptcy filing that does not belong to me. This false reporting is a direct violation of your obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires your agency to follow reasonable procedures to assure maximum possible accuracy of the information it furnishes. The erroneous bankruptcy entry : { Case # XXXX : Alleged Date Filed XX/XX/year> : Court # XXXX : XXXX XXXX } This has caused me significant distress, reputational harm, and potential financial damage. At my age, maintaining accurate credit information is essential to my financial security and peace of mind. The incomplete reporting of this bankruptcy compromises the accuracy of my credit file and also exposes liability under federal and California law. I have contacted the Bankruptcy Court and have been advised that the court does not interact with consumer reporting agencies regarding identification data. 

The bankruptcy record reported by your agency is not legally anchored to my identity as required. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., you are obligated to ensure that all information in consumer reports is accurate and complete. It is well established that a consumer report must include all legally relevant identifying details to avoid misidentification and resultant harm.

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 2025-10-23 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:
XX/XX/XXXX Under U.S.C. Sec 15 1681,1682,1683,1684, ( a, b ) 10298g, within FCRA rights and requirements the attached items must be removed immediately. These items are a grave violation to my consumer credit report under FCRA U.S.C Sec 15 1681 which explains if an item can not be verified 30 days from receipt ( late payment, 1099c form from collection agency, printed copies of a persons signature and if this can not be validated under FCRA within 30 days from receipt the items must be removed. A counter lawsuit will be issued if deemed any credit bureau is in VIOLATION of my FCRA USC Sec 15 laws at any point. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation