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

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NE

Complaint narrative:
I am writing to formally express my concerns regarding XXXX 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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:
Abide by 15 U.S. Code 1681g by timely removal of the disputed accounts.

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 2025-10-10 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: TX

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX  is reporting a charged-off account that still lists a past-due balance of {$750.00} on my Experian credit report. 

Once an account is charged off, it is considered written off as a loss and should not continue to report a " past due '' balance. Reporting both a charge-off and a past-due balance is inaccurate and misleading under the Fair Credit Reporting Act ( FCRA ) 623 ( a ).

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 2025-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/year> Citibank granted access to a fraudster to my CitiBank XXXX XXXX credit card. I realized this after unsuccessfully being able to log into my CitiBank account online. Since then I have called CitiBank several times, resulting in a new credit cards being issued, only to have the fraudster still on these accounts. Since my phone number was changed by the fraudster, I am unable to log into my own account and correct any fraudulent information.

Recently, I received a new credit card with my name and the name of " XXXX XXXX XXXX, '' an individual I do not know. So I called Citibank again and was not provided any information, as I was told the account belonged to XXXX XXXX. Since this occurrence CitiBank as also provided XXXX XXXX with a savings and checking account under my social security number.

Citibank has completely circumvented any responsibility to me as a consumer and victim on Identity Theft initiated by CitiBank. This clearly falls into the Fair Credit Reporting Act.

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 2025-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I would like to be reimbursed for the reported transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: CA

Complaint narrative:
My most recent issue was XX/XX/year> me and my son was on our way to social services when my phone notified me of a transaction with my cash app card. {$200.00} had just been took off my card from a XXXX atm so I immediately locked it. XXXX minute later another {$200.00} was attempted to be took off my card. This exact same situation happened to me on XX/XX/year> with cash app and I filed multiple disputes but they denied all of them. Whoever did this did 2 balance inquiries something I never do because I have the app and why would I try to take money off my card right after I lock it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: CA

Complaint narrative:
I paid for a purchase using Chime debit card. My t-shirt that I bought never arrived and I filed an item not received claim. I provided proof of my purchase with the paypal invoice as a PDF file. They closed my case and said no error had occured even though the merchant did not provide proof of delivery.

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

Complaint narrative:
I am disputing an auto loan from XXXX XXXX XXXX XXXX that continues to be reported by TransUnion even though it was discharged through bankruptcy and there is no longer a permissible purpose under the Fair Credit Reporting Act ( FCRA 604 ( a ) ). 

The account shows a {$0.00} balance and is closed, but it continues to appear on my credit report with inaccurate or unverifiable information. 

I have already disputed this with both TransUnion and XXXX XXXX and requested the method of verification under FCRA 611 ( a ) ( 7 ). Neither company has provided any proof or documentation showing a valid authorization, signed agreement, or permissible purpose to continue reporting this account. 

In addition, this account is not attached to my current address, and my third-party consumer data sources ( XXXX and XXXX ) are frozen meaning TransUnion can not verify through external vendors. 

I am requesting that CFPB investigate this matter and require both companies to either : 1. Provide written proof of permissible purpose and verification, including the original loan documentation and consent ; or 2. Delete this account and all related bankruptcy remarks from my credit file under FCRA 611 ( b ) due to failure to verify accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 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: ME

Complaint narrative:
I'm writing to dispute inaccurate late payment notations being reported on my credit file for an account that, to my knowledge and records, has been paid as agreed and never late.

I want to be very clear here : I am requesting validation of these reported late payments, because as someone who monitors their credit closely and makes every effort to pay on time, this came as a complete surprise. If youre going to report something as serious and damaging as a late payment, it better be backed by clear, verifiable, and accurate documentation not vague data or automated reporting errors.

Under the Fair Credit Reporting Act ( FCRA ), you are required to report information that is 100 % accurate, complete, and not misleading. Reporting a consumer as late when they have not been late is defamatory, unfairly lowers credit scores, and can create real harm from higher interest rates to declined applications. I am not going to tolerate that on my record, especially when its inaccurate.

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

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal 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 2025-10-10 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:
Observe 15 U.S. Code 1681g and delete the disputed accounts promptly.

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 2025-10-10 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: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
To Whom It May Concern, I am submitting this statement regarding an ongoing issue involving an inaccurate XXXX  XXXX/Comenity Bank credit account that has remained on my XXXX  credit report for several years, despite multiple formal disputes. 

I have made repeated attempts to have this account removed or corrected, as it contains outdated and unverifiable information. Each time I have disputed this item, XXXX  has either marked it as verified without providing any supporting documentation or failed to conduct a reasonable reinvestigation within the time frame required under Section 611 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ).

To make matters worse, the company in question Comenity Banks XXXX XXXX  credit program is no longer in operation and can not provide verification or account documentation. This makes it impossible for the information to be properly verified, meaning it should have been deleted in accordance with federal law once verification was no longer possible. 

Despite this, the account remains active on my XXXX  report, causing ongoing harm to my credit profile. This issue has been dragging on for several years, and my good-faith efforts to resolve it through standard dispute procedures have been ignored or mishandled. 

I am respectfully requesting that the XXXX XXXX/Comenity account be deleted in full from my XXXX  credit report. 


Thank you

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

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance

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 2025-10-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
I cancelled the service with XXXX XXXX XXXX and around six months later they sent a bill of a supposed outstanding balance. I requested a detailed bill and it has never been supplied.

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 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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

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

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

Complaint narrative:
I sent a certified letter to Experian on XX/XX/year> with tracking # XXXX it shows the delivery date of XX/XX/year> at XXXX XXXX  in XXXX TX. The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts : XXXX OF XXXX - {$2700.00} ( ACCOUNT # XXXX ) Experian failed to respond. I sent another letter on XX/XX/year> which they failed to respond once again.

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 2025-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I am writing this to formally express my concerns regarding Zelle handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate thay Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have called Transunion multiple times to have my address updated. It keeps reporting my previous address as the current address. When speaking to the Transunion Representative, they said their " system '' was having problems and even though I see the incorrect address on my credit report in their own system, they show it having been updated. 

If they admit they are having " ongoing system issues '' it can not be assumed that information that a creditor may pull will be correct. That can relate to addresses or other account information not reporting correct. 

I have an account that is over XXXX XXXX XXXX that has been reporting to the credit bureau that entire time and Transunion and only Transunion showed it as a new report last month and took my score down XXXX points. This seems to be another " system error '', but I can not get a resolution after multiple calls. 

Transunion has known " system issues '' and have failed to inform the public and continue to provided the potentially faulty information to creditors.

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 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-10 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: TX

Complaint narrative:
Remove accounts in dispute in compliance with 15 U.S. Code 1681gs timing requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: MS

Complaint narrative:
I am writing to formally express my concerns regarding CHIMEs handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using CHIME numerous times and reporting discrepancies, my CHIME institution account failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and transaction tracking was unfeasible. CFPB has found that CHIME has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

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

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-10 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Subject : Second Formal Notice Complete Removal of Disputed Items ( FCRA 611, 15 U.S.C. 1681i ) To Whom It May Concern, This is a second formal dispute regarding unverifiable and inaccurate accounts in my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S. Code 1681i ), I am requesting immediate deletion of all information that is unverifiable, inaccurate, or incomplete.

You received my prior request and failed to provide documented proof of reporting accuracy. Therefore, you must promptly delete the following entries, which negatively affect my report : All late payments, derogatory indicators, collections, charge-offs, accounts marked 120 days late or more, and all public records, as documented in your most recent reports for me.

Specifically, this includes ( but is not limited to ) : Department of Education/XXXX all entries with 120+ days late status XXXX  XXXX charge-off/closed accounts XXXX XXXX charge-off/closed account XXXX, XXXX, XXXX late or charged-off accounts XXXX XXXX ( collection, Experian only ) Any other entry reporting delinquency or adverse status, as reported in my Experian, Equifax, and TransUnion files [ XXXX +2 ] Under FCRA 611 ( a ) ( 5 ), if you are unable to verify these items, you must DELETE them from my file within 7 days of receipt of this letter. You may NOT continue to report items that are in dispute and unverifiable, nor delay reinvestigation indefinitely.

Failure to comply will constitute willful noncompliance with federal law ( FCRA 616, 617 ), subjecting your agency to further action and damages.

A written statement confirming deletion is expected within 7 days, or further complaints will be filed with the CFPB and my State Attorney General. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief