vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 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: VA

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE. 

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA. 

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING. 

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

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 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: CA

Complaint narrative:
Total Amount in Dispute : {$350.00} Between XXXX and XXXX, multiple unauthorized and fraudulent debit card transactions were processed on my Chime account totaling {$350.00}. I reported these transactions promptly and provided documentation for each dispute. Chime denied the disputes without conducting a reasonable investigation, in violation of the Electronic Fund Transfer Act ( Regulation E ).

The disputed amount includes the following : {$93.00} XXXX ( Denied Transaction ) XXXX billing department confirmed that there is no record of any purchase, no order, no items, and no account activity associated with this charge. XXXX verified this directly to me. Despite this confirmation, Chime denied the dispute without contacting the merchant or reviewing this evidence. 

{$260.00} XXXX ( Multiple Transactions ) These transactions were unauthorized. XXXX acknowledged the issue and issued partial refunds totaling {$180.00}, confirming merchant error. Chime denied the disputes without reviewing the merchant communications or refund confirmations. 

Additional Transaction XXXX ( Product Defect / Merchant Admission ) I provided screenshots of direct communication with the merchant, who admitted to a bad batch and apologized. Chime required proof of merchant contact, which I submitted, yet still denied the claim without reviewing the evidence. I contacted Chime multiple times to escalate the matter. On three occasions,
a representative named XXXX identified herself as a supervisor and stated she was the highest level of escalation. This was false. She also stated, the investigation department is not taking phone calls, which is untrue. No meaningful escalation or investigation occurred.

Chime failed to : Conduct a reasonable investigation Review merchant confirmations Credit provisional funds as required Provide accurate escalation or supervisory access I have retained documentation, screenshots, emails, and call recordings supporting these facts. I am requesting full reimbursement of {$350.00} and regulatory review of Chimes dispute handling practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: AZ

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 non-monetary relief
Consumer complaint received 2025-12-16 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: NJ

Complaint narrative:
I am filing this complaint because Experian and TransUnion have refused to provide the valid documentation and verification required by law for the inquiries reported on my credit file. Despite multiple requests, both bureaus have failed to produce any legally sufficient proof, and they continue to report these inquiries without proper authorization or investigation. 

Their refusal to provide documentation is a direct violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681b Permissible purpose requirement for inquiries 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy Additionally, the bureaus are not following the required Metro 2 Compliance Standards, which mandate accurate reporting and proper documentation of all inquiries. Their continued refusal to comply demonstrates negligence, willful misconduct, and a disregard for federal reporting guidelines.

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
LexisNexis, as a data furnisher and reseller of consumer information to XXXX, XXXX, and XXXX, failed to ensure the maximum possible accuracy of information attributed to my consumer file, in violation of the Fair Credit Reporting Act. LexisNexis furnished inaccurate and legally non-reportable data that was subsequently posted by multiple consumer reporting agencies, causing widespread harm to my credit profile. Despite disputes, LexisNexis failed to conduct a reasonable investigation or correct inaccurate data as required by 15 U.S.C. 1681e ( b ) and 1681s-2 ( b ). The continued dissemination of false account details, incorrect dates, and unverified information demonstrates negligent and willful noncompliance with federal law. As a direct result, I have suffered credit denials, score damage, emotional distress, and reputational harm. LexisNexiss failure to maintain accurate procedures and to correct disputed data undermines the integrity of the credit reporting system and violates CFPB standards. I am requesting immediate correction and deletion of all inaccurate data furnished by LexisNexis and written confirmation of compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: CA

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 1. XXXX - XX/XX/XXXX 2. XXXX - XX/XX/XXXX 3. XXXX - XX/XX/XXXX 4. XXXX XXXX - XX/XX/XXXX 5. XXXX XXXX - XX/XX/XXXX 6. XXXXXXXX XXXX XXXX XXXX XXXX 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 2025-12-16 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: TX

Complaint narrative:
I am writing to request that the credit freeze currently placed on my credit file be temporarily lifted/ permanently removed for all purposes. This request applies to my accounts with your credit bureau. 

Personal Information : Full Name XXXX XXXX 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 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 2025-12-16 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: TX

Complaint narrative:
I am writing to request that the credit freeze currently placed on my credit file be temporarily lifted/ permanently removed for all purposes. This request applies to my accounts with your credit bureau. 

Personal Information : Full Name XXXX XXXX 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 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 2025-12-16 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: DE

Complaint narrative:
I am writing to formally dispute inaccurate and unverifiable information appearing on my Experian credit report. This dispute is submitted pursuant to the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681e ( b ) and 1681i ( a ).

Experian is required to follow reasonable procedures to ensure maximum possible accuracy and to report information that is complete, verified, and compliant with Metro 2 reporting standards. The accounts listed below contain data that appears inconsistent, inaccurate, or not properly verified, resulting in potential FCRA and Metro 2 violations.

I am requesting a complete reinvestigation of each account listed and written confirmation of your findings, including the method of verification used to confirm the accuracy and Metro 2 compliance of the reported information. 

Disputed Accounts XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$93000.00} The delinquency information reported for this account is inconsistent and unverifiable. The payment history appears to violate Metro 2 guidelines regarding accurate account status coding and delinquency continuity. If Experian can not verify the accuracy of these entries through proper Metro 2compliant verification, all inaccurate payment notations must be deleted. 

XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$1400.00} The payment history reported for this account appears inconsistent and potentially obsolete. Reporting unverified or outdated delinquencies fails to meet Metro 2 standards and may constitute a violation of FCRA 1681e ( b ). Please verify each reported late payment or delete any information that can not be substantiated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$15000.00} The number of late payments reported is excessive and likely inaccurate. Metro 2 guidelines require that each delinquency be accurately reported with proper status and timing. Please confirm whether the account was actually delinquent for each reported month and remove any erroneous late payment codes. 

XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$6400.00} The late payment information reported is inconsistent with the balance and account status and may violate Metro 2 reporting requirements regarding payment history and delinquency progression. Please verify this data or delete it if proper verification can not be provided.

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 2025-12-16 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: DC

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute.

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

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 2025-12-16 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: AZ

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 2025-12-16 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: AZ

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 2025-12-16 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: OH

Complaint narrative:
I am disputing inaccurate and unverifiable information appearing on my Experian credit report. A telecommunications account reported by XXXX continues to appear on Experian despite inconsistent reporting across credit bureaus and prior federal escalation. 

This account was previously the subject of a CFPB complaint that was accepted and referred to the Federal Trade Commission. Despite this notice, Experian continues to report the account without providing competent verification or ensuring maximum possible accuracy as required under the Fair Credit Reporting Act.

The account information is inaccurate and unreliable, as it does not report consistently across consumer reporting agencies and has not been validated with documentary evidence. Continued reporting after notice demonstrates a failure to conduct a reasonable reinvestigation under 15 U.S.C. 1681i and a failure to follow reasonable procedures under 1681e ( b ).

I am requesting a lawful reinvestigation and the permanent deletion of any account that can not be fully verified with competent evidence, including proof of accuracy, ownership, and reporting authority.

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 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
So citi bank froze my account do to transactions and told me it would be resolved in 24-48 hours but they failed to reach the deadline also they wont give me a reason of why they are holding my funds

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 2025-12-16 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: NC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian P.O. XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Blocking and Deletion of Fraudulent Accounts Pursuant to 15 U.S.C. 1681c-2 ( a ) To Whom It May Concern, I am writing to formally notify you that I am a victim of identity theft and to request the immediate blocking and deletion of all fraudulent Accounts and related information on my credit report, pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ).

I recently became aware of several unauthorized Accounts that were opened in my name without my knowledge or consent. These accounts are the result of a data breach and identity theft, and I have never had any business relationship or transactions with the entities in question.

Under 15 U.S.C. 1681c-2 ( a ), I hereby request that Transunion block and remove from my credit report all information that I identify as the result of identity theft. The Accounts I am disputing are as follows : XXXX XXXX Account Number XXXX XXXX Account Number XXXX Please investigate this matter and confirm in writing that the fraudulent Accounts have been blocked and permanently removed from my credit file. If any additional information or documentation is needed, do not hesitate to contact me using the information provided above. 
Thank you for your prompt attention to this serious matter. 
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