vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 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: MD

Complaint narrative:
I am writing to express my serious concern regarding the disputed accounts listed on my credit report. On several occasions, I have raised the issue of inaccuracies within these accounts and consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive a resolution or meaningful progress. These inaccurate accounts are causing significant damage to my credit file and are severely impacting my ability to lead a normal life. The negative consequences of these errors have created considerable hardship, leaving me with no choice but to urgently seek your assistance in resolving this matter. I respectfully request a detailed and comprehensive investigation into each of the disputed accounts. It is critical that immediate steps are taken to correct and update my credit report accordingly. With your support, I hope to restore the accuracy and integrity of my credit record and regain control of my financial well-being. I sincerely urge you to treat this issue with the utmost priority and act swiftly. Thank you in advance for your understanding and prompt attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Exsperian is reporting inaccurate personal information. Amongst me dealing with identity theft. With several accounts and hard inquiries to deal with. 
Attached are the disputes I've filed. But they have refuse to honor.

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 2025-10-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Collection Receivables, Inc.
State: TX

Complaint narrative:
I have already tried requesting documents from this " company '' they have threatened me & my family & I had enough! I will not live in fear! Please remove this account that I have no knowledge of!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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 filing this complaint against Experian, Equifax, and TransUnion for their reckless, negligent, and willful violations of the Fair Credit Reporting Act ( FCRA ). These agencies continue to publish and verify multiple accounts that are clearly inaccurate, inconsistent, and legally noncompliant. 

The accounts in question are as follows : XXXX Account # ending in XXXX ( Reported XXXX XXXX ) XXXX XXXX Bank XXXX Account # ending in XXXX ( Reported XXXX XXXX ) XXXX XXXX Bank XXXX Account # ending in XXXX ( Reported XXXX XXXX ) XXXX XXXX Account # ending in XXXX ( Reported XXXX XXXX ) XXXX XXXX XXXX Account # ending in XXXX ( Voluntarily Surrendered, Reported XXXX XXXX ) Each credit bureau is reporting different data, dates, and balances for these same accounts. This conflicting information proves a total failure to ensure the maximum possible accuracy required under 15 U.S.C. 1681e ( b ). The precedent XXXX XXXX TransUnion Corp., 115 F.3d 220 ( 3d Cir. 1997 ) established that such discrepancies demonstrate a lack of reasonable procedures and a direct violation of the FCRA. 

Additionally, the furnishers XXXX, XXXX XXXX Bank XXXX, XXXX Card, and XXXX XXXX XXXX have all violated 15 U.S.C. 1681s-2 ( b ). After receiving notice of my disputes, they verified the information without conducting a lawful or reasonable investigation. This is exactly the type of negligent verification condemned in XXXX v. XXXX XXXX Bank, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). The persistence of inconsistent data between bureaus is indisputable proof that no real investigation ever occurred.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear CFPB Office, I hope this message finds you well. I am writing to request your immediate assistance regarding an unusually long hold placed by Chase Bank on a check I deposited. 

The check, issued by a title company through XXXX XXXX, was deposited into my Chase account. However, Chase has placed a hold on the funds for nearly a month. Other colleagues involved in the same transaction, who received identical checks from the same title company, had their funds released on the same day. 

Chase representatives informed me that the delay is due to verification required from XXXXXXXX XXXX, and that the funds have not yet been confirmed. The current hold is set to remain in place until XX/XX/year>, but I was told that even on that date, release is not guaranteed. 

Despite multiple follow-ups, no progress has been made in completing the verification process. The first representative I spoke with handled the situation in a manner that felt unprofessional and discriminatory. Based on my eight years of experience working in the banking industry, I find this treatment and the prolonged delay highly irregular and inconsistent with Chases standard policies and practices. 

Additionally, the check in question cleared on XX/XX/year>, meaning the funds have already been processed. Since this check represents a real estate commission payment from a title company, the ongoing delay has caused significant stress and inconvenience. I have contacted Chase twice and requested to speak with a manager, but no escalation or meaningful assistance has been provided.

I respectfully request that your office review this matter and assist in expediting the release of my funds. I believe I have been subjected to discriminatory treatment by the Chase representative, rather than a delay caused by official bank policy. Furthermore, Chase advised that the issuing title company should contact XXXXXXXX XXXX directly to verify the funds a recommendation that is highly unusual and contrary to standard banking procedure. 

Please let me know if you require any supporting documentation, such as the check number, deposit receipt, or transaction details. I am prepared to provide all necessary information to help resolve this issue promptly. 

Thank you very much for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: FL

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXXXXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$4900.00XXXX XXXX XXXX XXXXXXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$2100.00} XXXX XXXX XXXXXXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$10000.00}

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 explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Problems receiving the advance — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
I am filing this complaint against Chime regarding issues with their XXXX feature and the unprofessional handling of my concerns by their customer service representatives. 

On XX/XX/year>, I contacted Chime regarding the XXXX feature on my account. This feature provides an advance until the next pay period, and the amount of the advance is determined by the direct deposit amount, which must be {$200.00} or more. I receive my direct deposit every other Wednesday, ranging from {$970.00} to {$1000.00}, sometimes slightly more. Initially, my XXXX advance limit was {$500.00}, but it has since decreased to {$460.00}, then {$360.00}, without explanation. I have never defaulted on any of my advances and have always repaid them in full and on time. Since Chime receives my direct deposit directly, there should be no reason for the advance limit to be reduced if I continue to meet the eligibility requirements. On XX/XX/year>, my available XXXX balance was {$440.00}. I used {$200.00} of that amount, leaving a remaining balance of {$240.00}. However, when I logged into my account the next day, XX/XX/year>, my available XXXX balance had been reduced to {$15.00} with no explanation. When I called Chime for clarification, I spoke with a representative named XXXX, who was unable to explain the sudden reduction. When I questioned the accuracy of his response, he became rude and disconnected the call. I called back and requested to speak with a supervisor. After explaining the situation again, the supervisor also disconnected the line without providing any answers. To date, no Chime representative has been able to provide a legitimate or reasonable explanation for why my XXXX amount keeps decreasing or why my available funds suddenly dropped. Each representative gives vague or conflicting information, and when asked for clarification, they either end the call or fail to follow up. This behavior is completely unprofessional and unacceptable. Not only was I denied a reasonable explanation regarding changes to my XXXX feature, but I was also treated disrespectfully and dismissed by multiple employees. My main concern is why my XXXX advance amount keeps changing despite meeting all the criteria and maintaining good standing with my account. If Chime promotes the XXXX feature as a short-term advance based on verified income, then arbitrarily reducing or limiting access to the feature without notice or explanation is deceptive and unfair to consumers. I believe Chimes handling of this situation violates fair and transparent banking practices. As a customer, I deserve clear communication, consistent application of terms, and respectful treatment when raising legitimate concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: NC

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXXXXXX 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 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc.
State: DE

Complaint narrative:
* * Subject : * * Furnisher Reporting a Charge-Off Without Sending Required Notices * * To : * * Consumer Financial Protection Bureau XXXX CFPB ) * * From : * * MONEYLION INC * * Regarding : * * MONEYLION INC, Account no : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Summary of Complaint : * * I am disputing the way MONEYLION INC is furnishing a charge-off on my consumer report. They have failed to comply with federal law by not providing me with either : XXXX. A Negative Information Notice under XXXX U.S.C. XXXX ( a ) ( XXXX ) ( FCRA XXXX ( a ) ( XXXX ) ), and XXXX. An Adverse Action Notice under XXXX U.S.C. XXXX ( FCRA XXXX ). 

Both notices are mandatory, and the furnisher must provide them to me in writing. 

* * Details of the Issue : * * - The account in question is a credit card issued by MONEYLION INC - The account reported positively for a period of time. 
- After I became delinquent, MONEYLION INC charged it off and began reporting derogatory information to the credit bureaus.- I never received a Negative Information Notice. 
- I never received an Adverse Action Notice. 

* * Why This Matters : * * - The Negative Information Notice exists so consumers are warned before derogatory data damages their credit. 
- The Adverse Action Notice exists so consumers know their rights to review, obtain, and dispute their credit report. 

* * What I Am Requesting : * * XXXX. Provide proof that both required notices were mailed to me, and provide actual copies. 
XXXX. If no proof exists, delete the charge-off tradeline from all credit reporting agencies and cease further furnishing. 

* * Consequences of Non-Compliance : * * - Failure to send a Negative Information Notice violates XXXX ( a ) ( XXXX ) and makes the tradeline unlawfully furnished. 
- Failure to send an Adverse Action Notice is a direct violation of XXXX and gives me the right to sue under XXXX and XXXX. 

* * Relief Requested : * * - Immediate investigation and enforcement action by CFPB. 
- Written confirmation that proof is provided or deletion of the charge-off occurs.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : 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 2025-10-13 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: TX

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-10-13 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:
The account entry is not representative of my payment practices and appears to be in error. Kindly conduct a review and eliminate it.

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 2025-10-13 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: DE

Complaint narrative:
In XX/XX/XXXX, I submitted formal dispute letters to each of the three major credit reporting agencies ( TransUnion, Equifax, and Experian ), demanding the removal of multiple fraudulent accounts which I did not authorize. When no satisfactory action was taken, I followed up again in XX/XX/XXXX, renewing my request and including additional supporting documentation. 

These fraudulent accounts originated in XXXX, when I became the victim of a sophisticated scam. At that time, I was already under tremendous emotional strain, dealing with my sons mental health crisis and facing overwhelming personal hardship. My ability to respond promptly was severely impaired by stress, shame, and the complexity of the situation. 

Over the nearly six years since the fraud took place, I have repeatedly tried to resolve these erroneous entries through direct dispute channels with the reporting agencies and the reporting companies ( furnishers ). Despite full compliance, submission of identity theft documentation, and repeated follow-ups, the disputed items remain on my credit reports. 

I understand that many negative items are subject to a seven-year reporting limitation, but fraudulent accounts should never have remained. I have exhausted all reasonable efforts to delete them without success. I am now requesting regulatory intervention to compel the agencies to fully investigate, block, and remove these false entries.

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 2025-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I have requested info on this account and i have yet to recieve anything!

Company response to consumer: Closed with explanation