vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
XX/XX/year> XXXX listing property was posted online, I was in communication with the person assosiated with the listing and claiming to be the landlord/owner. I was leaving a relationship that involved XXXX XXXXXXXX and was awaiting funds for relocation. While doing so the person I was incontact with agreed to be patient with me for the funds to pay for the month to month XXXX bedroom furnished property which is a small apartment behind a home in XXXX. They required that I send the money through Chime and gave me the person to send it to. I was told it was the husband of the gentleman I was speaking to. They refused any other transfer and were not sending me any receipt of accepting funds, they told me to meet at the property for a key but after money was sent they stopped answering. I was worried all night and within XXXX hrs of first payment I contacted Chime to stop payments. They have refused to refund me due to the terms of peer to peer. But they asked me for all the evidence I had about these people and the contract for lease and the police report. The account holder/chime member ( after being named as a party accepting fraudulent funds and clearly involved in a scamming ) accepted XXXX from my account, just requested {$270.00} from me. So their account has not been closed by chime. My trust in the XXXX XXXX XXXX XXXX  gave me reason to trust the transaction, because the information required to hold a chime account is strict, social email phone number XXXX But they have that for this person and months later they are requesting money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Between XX/XX/XXXX and XX/XX/year>, a total of XXXX unauthorized debit card transactions were made on my checking account, totaling {$570.00}. I did not make or authorize any of these transactions. I immediately contacted my bank to dispute the charges and requested a full investigation. I also asked the bank to provide documentation supporting their decision, including transaction details, merchant information, and any proof of authorization. 
The bank denied my claim, stating that it did not have the requested information or any evidence showing that I authorized the transactions. They also did not explain the denial. I requested further clarification and documentation, but the bank did not provide any. The only action they took was to replace my debit card and reset my online banking username and password. 
Before I even received the replacement card, an additional XXXX unauthorized transactions occurred on XX/XX/XXXX and XXXX, XXXX, totaling {$810.00}, this time from XXXX. I contacted the bank again and disputed these transactions, but my claim was denied a second time. 
I am requesting the CFPBs assistance in reviewing the banks handling of both disputes, as these transactions were clearly unauthorized and the bank did not provide documentation, a proper investigation, or any valid reason for denying my claims.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-03 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: NC

Complaint narrative:
I am submitting this follow-up regarding a dispute I previously filed concerning multiple inaccurate, inconsistent, and unverifiable items appearing on my Experian, Equifax, and TransUnion credit reports. Despite providing supporting documentation and requesting a reinvestigation, these items remain on my credit file without proper verification or correction. The continued reporting of these errors misrepresents my actual payment history, misattributes accounts, and is causing measurable harm to my credit profile and financial standing. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$6000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1000.00} Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation of any disputed information. Additionally, 15 U.S.C. 1681e ( b ) mandates that credit reporting agencies maintain reasonable procedures to ensure the maximum possible accuracy of the information they report. The continued presence of unverifiable or inaccurate items constitutes a violation of these federal requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: NC

Complaint narrative:
I am submitting this follow-up regarding a dispute I previously filed concerning multiple inaccurate, inconsistent, and unverifiable items appearing on my Experian, Equifax, and TransUnion credit reports. Despite providing supporting documentation and requesting a reinvestigation, these items remain on my credit file without proper verification or correction. The continued reporting of these errors misrepresents my actual payment history, misattributes accounts, and is causing measurable harm to my credit profile and financial standing. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$6000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1000.00} Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation of any disputed information. Additionally, 15 U.S.C. 1681e ( b ) mandates that credit reporting agencies maintain reasonable procedures to ensure the maximum possible accuracy of the information they report. The continued presence of unverifiable or inaccurate items constitutes a violation of these federal requirements.

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 2025-12-03 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: MI

Complaint narrative:
I am filing this complaint because all three credit bureaus Experian, Equifax, and TransUnion continue to report inaccurate and outdated information for XXXX of my accounts despite my lawful requests for correction under FCRA XXXX, FCRA XXXX ( a ) ( XXXX ), and XXXX ( b ). My XXXXXXXX XXXX XXXX XXXX XXXXcount ending in XXXX shows a XXXX late entry around the period of XX/XX/XXXX, even though the creditor acknowledged the payment-processing issue was on their system and that my account was satisfied on time ; however, the credit bureaus continue to display inconsistent dates. My XXXX  XXXX account ending in XXXX lists XXXX separate XXXX late entries that do not match the months I actually experienced delays, and XXXX XXXX previously confirmed that several of those reported months do not reflect their corrected internal data. My XXXX XXXX account ending in XXXX still shows XXXX XXXX late entries that do not correspond with the verified payment dates surrounding XX/XX/XXXX, and XXXX indicated that once my updated banking information was processed, the corrected dates would be transmitted yet the bureaus continue reporting incorrect information. These inaccuracies violate the creditors duties under FCRA 623 ( a ) ( 2 ) to correct and update information once notified, as well as FCRA 623 ( b ) which requires a proper reinvestigation and accurate reporting. The bureaus failure to reflect the corrected data also contradicts the protections outlined in 15 U.S. Code 1666 and 1666a, which prohibit inaccurate billing-related reporting while a dispute is pending and require proper handling of errors. Collectively, these errors are harming my creditworthiness and financial standing, and I am requesting CFPB assistance because the creditors and bureaus have not fulfilled their legal obligations to ensure the information on my reports is correct, updated, and aligned with verified payment records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: AR

Complaint narrative:
I am filing a complaint against XXXX XXXX for repeatedly reporting false late payments on my credit report, despite acknowledging in writing that their reporting was inaccurate.

Timeline : I disputed the inaccurate late payment reporting directly with XXXX several months ago. 
XXXX responded in writing and admitted there were errors in their reporting. 
Despite this admission, the company continues to report me as late to Experian. 
I have never been late on this loan. 
This repeated false reporting is damaging my credit and preventing me from obtaining housing financing. 
The false reporting reappeared again this week, even after previous disputes and corrections.

This is a clear violation of FCRA 623, including : Reporting information they know is inaccurate Failing to correct and update inaccurate information Failing to conduct a reasonable investigation Causing repeated credit damage despite prior notice I am requesting : 1. Full deletion of all inaccurate late payments 2. Correction of the underlying reporting profile so the false data stops reappearing 3. Written confirmation of correction 4. Assurance this will not recur Please investigate XXXX ongoing failure to comply with federal reporting requirements. 

I am attaching supporting documentation, including XXXX prior written admission of reporting errors and screenshots of continued false reporting. 

XXXX XXXX XXXX is a PREDATORY LENDER! I have had this loan for four years and all of my payments have done absolutely nothing to reduce the balance in addition to ruining my credit for inaccurate late payment payments!!

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: IL

Complaint narrative:
The account listed is inaccurate and should not be reported under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX To whom this XXXX concern XXXX I am writing to request the removal of unauthorized credit inquiry/inquiries on my credit report. I recently retrieved my credit report and it showed credit inquiries that I have no knowledge of ever authorizing. 
I am writing to dispute the following inquiries and asking for their removal from my credit report. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX To whom this XXXX concern XXXX I am writing to request the removal of unauthorized credit inquiry/inquiries on my credit report. I recently retrieved my credit report and it showed credit inquiries that I have no knowledge of ever authorizing. 
I am writing to dispute the following inquiries and asking for their removal from my credit report. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I opened my citi checking account on XX/XX/XXXX and their webpage said I can earn XXXXXXXX XXXX XXXX after I deposited XXXX dollars. On XX/XX/XXXX, I transfered XXXX dollars as enhanced deposit on this account. On XX/XX/XXXX, I tried to transfer the XXXX dollar bank to my chase account but found that they blocked my account and closed my account. Now, I don't any any access to my citi checking account anymore and I can't get my money back. I talked with their fraud team and their team said I will need to wait 60 days for the closure of the account which is unacceptable. They should gave back my money right away

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 2025-12-03 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: NC

Complaint narrative:
The following unauthorized inquires were added to my credit profile. I want these deleted immediately ; they are not mine and I refuse to be hindered by them. 


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 2025-12-03 00:00:00
Product: Credit card — Store credit card
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citi bank for Best Buy credit card was suppose to have frozen my card and they never did because a person who was not me was able to go into the store and charge my card with just a phone number and put two more fraudulent charges on my old card when I one had the new card and two the account should of been frozen. I finally had to close the card out to stop the fraud.

I would have never opened this account if I would have known the problems. I had to have my credit checked not to mention all the wasted time and energy. I want the company to give me some sort of compensation for my time wasted and for causing damage to my credit

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 monetary relief
Consumer complaint received 2025-12-03 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: MD

Complaint narrative:
Was approved for Borrower Defense Discharge after the lawsuit. XXXX sent me a refund payment for personal loans and I received confirmation that XXXX XXXX loans are included. I disputed the info with XXXX XXXX and they only removed XXXX of the loans. The other they are still reporting as charge off and have now sold it to XXXX collection agency who is double reporting this debt I do not owe. I was misled by my school into a private loan, and XXXX XXXX is improperly denying my discharge request. They should be held accountable for deceptive practices for purposely selling non existent debt to a collection company ( XXXX XXXX ). If in error, the second loan was not removed, since it has been sold to a collection company it has been a battle to have it removed off my XXXX XXXX responded to first complaint stating they do not have my information and should contact the collection agency directly. The second complaint they fabricated data about my account which all of a sudden they have records. This account will fall off in XXXX of XXXX but for the sake of the principal, I am persistent and will offer them XXXX more chance to remove this bad debt off my report. Thank you in advance for your time and kind response. 


The " XXXX Scandal '' was a lawsuit filed in XXXX alleging XXXX XXXX and other lenders overcharged the XXXX government. The lawsuit, initiated by former Department of Education researcher XXXX XXXX, specifically claimed that lenders deliberately overcharged the government on certain student loans. This led to investigations, settlements, and penalties against XXXX XXXX and its successor company, XXXX. 
The lawsuit : A " False Claims '' lawsuit was filed by XXXX XXXX in XXXX against XXXX XXXX and other lenders. 
The allegation : The suit alleged that the companies intentionally overcharged the XXXX government on student loans. 
The outcome : The findings led to significant settlements. For example, in XXXX, federal regulators ordered XXXX XXXX to pay {$96.00} XXXX in penalties and restitution for overcharging and other discriminatory practices. Later, in XXXX, the Department of Justice and XXXX XXXX XXXX XXXX also ordered XXXX ( the successor to XXXX XXXX ) to pay almost {$100.00} XXXX for illegally overcharging servicemembers. 
XXXX full complaint

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 2025-12-03 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: TN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have {$2400.00} disappear from my account, ,I open a claim, ,they closed it without no answer and no refund,,, please I want your help so I can get my money back, thank you

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