vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: MN

Complaint narrative:
On XX/XX/year> a Chime checking account with debit card was opened in my name fraudulently. The Chime debit card was mailed to my home address via postal service. I then contacted Chime customer support on XX/XX/year> to inquire about the debit card I received and to report that the account was fraudulent and not opened by me. I requested the account be closed and asked for confirmation of closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: NJ

Complaint narrative:
I am disputing a XXXX  XXXX XXXX credit card account on my credit report because the information being furnished appears to be incomplete and potentially inaccurate. I have requested verification from the credit bureaus and XXXX  XXXX XXXX, but the furnisher has not supplied any documentation to substantiate the reported balance, delinquency dates, or charge-off details. 

XXXX  XXXX XXXX has not provided : A complete payment history Documentation showing how the reported balance was calculated The original charge-off details The correct Date of First Delinquency ( DOFD ) Any internal servicing notes Any accounting demonstrating accuracy Instead, the credit bureaus continue to mark the account as verified without XXXX XXXX XXXXXXXX providing proof required under FCRA 623 . 

The lack of documentation raises concerns that the information being reported may not be fully accurate. This reporting is negatively impacting my credit and interfering with my ability to qualify for a mortgage, despite strong and stable income. 

I am requesting proper verification or correction. 
Failure to provide documentation required under FCRA 623 Possible inaccurate balance reporting Missing or incorrect XXXX XXXX verifying without reviewing any actual documentation Incomplete investigation Ongoing harm to credit and mortgage qualification

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am disputing a XXXX  XXXX XXXX credit card account on my credit report because the information being furnished appears to be incomplete and potentially inaccurate. I have requested verification from the credit bureaus and XXXX  XXXX XXXX, but the furnisher has not supplied any documentation to substantiate the reported balance, delinquency dates, or charge-off details. 

XXXX  XXXX XXXX has not provided : A complete payment history Documentation showing how the reported balance was calculated The original charge-off details The correct Date of First Delinquency ( DOFD ) Any internal servicing notes Any accounting demonstrating accuracy Instead, the credit bureaus continue to mark the account as verified without XXXX XXXX XXXXXXXX providing proof required under FCRA 623 . 

The lack of documentation raises concerns that the information being reported may not be fully accurate. This reporting is negatively impacting my credit and interfering with my ability to qualify for a mortgage, despite strong and stable income. 

I am requesting proper verification or correction. 
Failure to provide documentation required under FCRA 623 Possible inaccurate balance reporting Missing or incorrect XXXX XXXX verifying without reviewing any actual documentation Incomplete investigation Ongoing harm to credit and mortgage qualification

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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 request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-12-02 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: MD

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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I HAVE BEEN A VICTIM OF IDENTITY FRAUD, THE SUSPECT IN CUSTODY HAS FRAUDULENTLY OPENED CREDIT CARD ACCOUNTS WITH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I HAVE FILLED A POLICE REPORT WITH XXXX XXXX AND THEY HAVE APPREHENDED A SUSPECT AND PRESSED CHARGES AS OF TODAY MY POLICE REPORT HAS BEEN APPROVED

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 2025-12-02 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX, I reviewed my credit report and found several hard inquiries that I did not authorize. These include, but may not be limited to : 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 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 I have not applied for credit cards, auto loans, or other credit products with these companies, nor did I authorize these inquiries. I am concerned these may be the result of identity theft or an error.

I have contacted the credit bureau ( s ) to dispute these inquiries and requested an investigation, but the issue remains unresolved.

I am requesting that these unauthorized inquiries be removed from my credit report as they were made without my consent and are negatively impacting my credit score. Please investigate and take appropriate action to correct 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 2025-12-02 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: OH

Complaint narrative:
On XX/XX/XXXX, I reviewed my credit report and found several hard inquiries that I did not authorize. These include, but may not be limited to : 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 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 I have not applied for credit cards, auto loans, or other credit products with these companies, nor did I authorize these inquiries. I am concerned these may be the result of identity theft or an error.

I have contacted the credit bureau ( s ) to dispute these inquiries and requested an investigation, but the issue remains unresolved.

I am requesting that these unauthorized inquiries be removed from my credit report as they were made without my consent and are negatively impacting my credit score. Please investigate and take appropriate action to correct my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
A funeral home reported my social security number as deceased. I went to the XXXX Colorado social security administration field office on XX/XX/XXXX and proved that I was alive. The person there said my information should be corrected on XX/XX/XXXX. Today ALL the credit agencies received information that I was deceased. I have already called my bank and proved that I'm still alive, but this is getting a little overwhelming. I still have a job I need to do during the day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
A funeral home reported my social security number as deceased. I went to the XXXX Colorado social security administration field office on XX/XX/XXXX and proved that I was alive. The person there said my information should be corrected on XX/XX/XXXX. Today ALL the credit agencies received information that I was deceased. I have already called my bank and proved that I'm still alive, but this is getting a little overwhelming. I still have a job I need to do during the day.

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 2025-12-02 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: LEXISNEXIS
State: UT

Complaint narrative:
On XX/XX/year>, I disputed the inquiry records listed in my LexisNexis file. These entries include repeated written consent prequalification pulls from XXXX XXXX, XXXX, XXXX XXXX and similar sources. These are marketing and soft-pull inquiries that are not credit applications, are not relevant to consumer credit reporting and should not appear in a LexisNexis consumer file. I requested a reinvestigation and deletion if any inquiry could not be verified as appropriate for reporting under the FCRA. LexisNexis received my dispute on XX/XX/year>. On XX/XX/year>, I received several envelopes labeled as reinvestigation results, but none included itemized outcomes for these inquiries, an updated consumer file or the required description of procedure. LexisNexis did not confirm whether any of these inquiries were verified, corrected, or deleted. As a result, I have no way to determine whether LexisNexis continues to report these non-credit-related inquiry records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Services Inc.
State: NE

Complaint narrative:
I asked for an itemized receipt for any debt I might owe and was denied.The debt that I believe I owe compared to the amount they are asking has increased by two thirds. What has once seemed reasonable has now affected my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: NV

Complaint narrative:
Informed Eastern Collection Agency the account was opened illegitimately, The account was opened under a minor 's name in XXXX and could not legally enter a contract. Collection opened XX/XX/XXXX, Amount : {$360.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On the morning on XXXX I received an email from TransUnion on my credit report. I reviewed and saw my FICO score went down and uponinvestigation found there was a Hard Inquiry from XXXX on XXXX that I did not authorize. TransUnion provided the below info : - Inquiry DateXX/XX/XXXX - Account XX/XX/XXXX - Type Bank Credit Cards- Creditor Address XXXX XXXX XXXX XXXX, XXXX, TX XXXX - Phone XXXX I calledXXXX using above number and was only transferred to XXXX different people and not provided any help.

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 2025-12-02 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: AZ

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: AR

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 2025-12-02 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: MS

Complaint narrative:
I am writing to dispute the accuracy and completeness of the US XXXX XXXX XXXX ( XXXX XXXX ) account referenced above. This information is being reported inaccurately and in violation of the Fair Credit Reporting Act ( FCRA ). I am requesting an immediate investigation and deletion of this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Description of the Issue : I am reporting multiple unauthorized XXXX transactions on my Wells Fargo business bank card. I have never used my business account for XXXX purchases, and I did not authorize any of these charges. Someone else used my card information over several months. 

The unauthorized transactions are as follows : XX/XX/year> {$61.00} XX/XX/year> {$16.00} XX/XX/year> {$25.00} XX/XX/year> {$74.00} XX/XX/year> {$30.00} XX/XX/year> {$220.00} XX/XX/year> {$64.00} XX/XX/year> {$240.00} XX/XX/year> {$130.00} XX/XX/year> {$67.00} XX/XX/year> {$260.00} XX/XX/year> {$170.00} XX/XX/year> {$34.00} XX/XX/year> {$27.00} XX/XX/year> {$54.00} XX/XX/year> {$89.00} XX/XX/year> {$110.00} XX/XX/year> {$27.00} XX/XX/year> {$55.00} XX/XX/year> {$46.00} The total amount of unauthorized charges is {$1900.00}. 

I did not make these purchases, I did not receive any of the items, and I did not authorize anyone to use my business account. This is fraud. 

I reported the issue to Wells Fargo, but the problem has not been resolved and the charges have not been refunded. 

Impact : These fraudulent charges have caused financial loss, stress, and disruption to my business finances. My account balance has been affected by transactions that do not belong to me.

Company response to consumer: Closed with explanation