vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-23 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: AL

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 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 2025-11-23 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: AL

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 2025-11-23 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-11-23 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
DELETE THIS FRAUDLENT ACCOUNTS FROM MY CREDIT REPORT : XXXX  XXXX XXXX : XXXX BALANCE : {$4300.00} DATE OPEN : XX/XX/XXXX XXXX XXXX XXXXXXXX : ACCOUNT XXXX BALANCE : {$2200.00} DATE OPEN : XX/XX/XXXX XXXX XXXX XXXXXXXX : ACCOUNT XXXX BALANCE : {$2600.00} DATE OPEN : XX/XX/XXXX XXXX  ACCOUNT XXXX BALANCE : {$8600.00} DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX  ACCOUNT XXXX BALANCE : {$580.00} DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX BALANCE : {$710.00} DATE OPEN : XX/XX/XXXX XXXX XXXX  ACCOUNT XXXX BALANCE : {$1100.00} DATE OPEN : XX/XX/XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX BALANCE : {$100.00} DATE OPEN : XX/XX/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 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXXXXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$34000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$48000.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$520.00} XXXXXXXX XXXX  XXXX # XXXX XX/XX/XXXX XXXX {$290.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$190.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$210.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$350.00} XXXX # XXXX XX/XX/XXXX -- {$280.00} XXXX  / XXXX  XXXX # XXXX XX/XX/XXXX -- {$780.00} XXXXXXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$80.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$190.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 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 XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-11-23 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: NY

Complaint narrative:
On XX/XX/year> I noticed unusual activity used with my debit card. So I contacted chime the bank that I use that the unauthorized transaction happened on there was a few of them for a XXXX XXXX transaction and a hotel charge. The XXXX XXXX that it was used on was not mine and was not registered to me I contacted the bank and they filed a dispute on XX/XX/year> and the following day they made a decision that there was no error that occurred they didnt even investigate it! The card number was clearly stolen and used on a account that was not mine I reached out to XXXX XXXX and they told me they could not give me personal details of the account it was used on but they confirmed that it was not my name. I feel like chime does not investigate anything and just says oh you used it before at that merchant so no error occurred. Yes I have used it at XXXX XXXX with my own account verified not some XXXX account. On the transaction record it shows a name of XXXX XXXX XXXX XXXXXXXX NOT XXXX XXXX they didnt do any investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX # XXXX XX/XX/XXXX -- {$12000.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$91000.00} XXXX  # XXXX XX/XX/XXXX -- {$0.00} INQUIRIES : XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  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 non-monetary relief
Consumer complaint received 2025-11-23 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX # XXXX  XX/XX/XXXX -- {$20000.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
During the pandemic while I was a college student and dealing with financial hardship, I was the victim of a scam involving a deposited check. Someone convinced me to deposit funds for them in exchange for giving me some of the money. I did not know the check was fraudulent, and I did not knowingly participate in any fraud. I was misled and taken advantage of. 

Bank of America closed my account and reported suspected fraud activity to XXXX  without providing any documentation, investigation results, signed account-opening forms, or proof that I intentionally committed fraud. I never received any fraud investigation details from the bank. 

This reporting is inaccurate and misleading under FCRA 623. I was the victim of a scam, not the person committing fraud. 

I am requesting that Bank of America conduct a proper investigation and remove the inaccurate suspected fraud reporting from 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 2025-11-23 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: GA

Complaint narrative:
This is my formal complaint against the credit reporting agencies and the furnishers listed below for violating the Fair Credit Reporting Act ( FCRA ) by reporting false, inaccurate, and unverifiable information under my consumer file. Each of the following accounts is being reported without proper verification, without supporting documentation, and without any contractual evidence tying these debts to me. I am demanding immediate investigation and enforcement action for these violations. 

XXXX XXXX XXXX XXXX High Balance : {$14000.00} | Date Opened : XX/XX/XXXX | Status : Charge Off I have never been a member, borrower, or applicant with this institution. This account does not belong to me and contains mismatched information. This violates FCRA 609 ( a ) because no original creditor documentation exists proving this debt belongs to me. Since this account can not be verified with legally acceptable evidence, it must be permanently deleted from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$2300.00} | Date Opened : XX/XX/XXXX | Status : Collection This collection account is fraudulent and does not belong to me. I never received any notice, validation, or verification required under FDCPA 1692g. No contract, no proof of ownership, no chain-of-title documents exist linking this debt to me. Reporting a collection without validation is illegal, and under FCRA reinvestigation standards, this unverified item must be deleted immediately. 
XXXX  XXXX Bankruptcy Ref # XXXX | Court : XXXX XXXXXXXX XXXX XXXX XXXXXXXX | Status : Bankruptcy This is another inaccurate and false bankruptcy listing. I did not file any XXXX  XXXX case under this number or variation. XXXX bankruptcy entries with different reference numbers prove a data contamination or identity error. This reporting is reckless, unverifiable, and must be removed at once under FCRA 1681i. 
I am requesting that the CFPB require the credit bureaus and furnishers to : 1. Provide full documentation proving these accounts belong to me ; OR 2. Permanently delete these inaccurate and unverifiable items ; AND 3. Confirm compliance in writing. 
These violations are ongoing and harming my creditworthiness. I request immediate enforcement action.

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 2025-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX  XXXX  XX/XX/year> -- {$40000.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> -- {$430.00} INQUIRIES : XXXX XXXX  XX/XX/year> XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> XXXX  XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year>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/year>

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 2025-11-23 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: TX

Complaint narrative:
I am writing to dispute the accuracy of information appearing on my credit report. The item in question is being reported based on third-party information from XXXX XXXX that has not been verified by the court, which makes it incomplete and inaccurate under the Fair Credit Reporting Act ( FCRA ). Per Equifax, XXXX  and XXXX  XXXX XXXX provided third party unverified information to the credit bureas. I have confirmed that the court did not verify or provide this information to your bureau. Under FCRA 609 and 611, you are required to ensure all information you report is accurate, verifiable, and obtained from a reliable source. Because this information is being reported from a third partyand not from the court itselfit is unverified and must be corrected or deleted. I am requesting that XXXX XXXX, Equifax, XXXX  and XXXX  Conduct a reinvestigation of this item ; Provide the name and contact information of the furnisher they relied on ; Provide documentation proving the validity of the information, specifically confirming receipt directly from the court ; Delete the information from my credit report if it can not be verified with primary documentation from the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am contacting you again regarding a previous dispute I filed, for which I have received no adequate response and have seen no corrections reflected on my credit report. Despite ongoing monitoring, the inaccurate items I challenged are still being reported. This leads me to believe that TransUnion and Equifax failed to conduct a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$520.00}

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 non-monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My name is XXXX XXXX, my birthdate is XXXX XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am a XXXX patient with XXXX XXXX. I tried to send paperwork from my daugher as XXXX XXXX to help be they refuses. I called and ask them to send me a bank statement and they refuses. This bank is holding my money and refuses to help when the only way I can come to the bank is with XXXX nurses on a XXXX XXXX in ambulance. Why do I need to pay for all of this when all I am asking is for Chase Bank to mail a simple bank statement and activate my online banking. If they will not let my daughter handle my affairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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