vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NY

Complaint narrative:
I had years with chime like 3 years I'll say I had chime close me out of the account without telling me why .. it was hard and devastating due to me having good communication over the phone with chime in the past with good customer service just would like to know where did I failed at for them to close my account I had unemployment with chime I used chime for direct deposits for different employers and I even use a lot of their features then after being with chime for a very long time for like XXXX to years or more I get my account closed I can't even open up a new act under chime. One day I called and had a lady who's in charge of reviewing my account I called last a couple months ago. But she reviewed my account and was willing to give me the opportunity to let me open up a account with her approval she saw the history I had with chime the positive stuff I did with chime meanwhile she approved me getting a new act she transferred me over to the team where they update my email and phone number Information but as soon as I got transferred the phone got hanged up and cancel I called again and no one helped me I really loved chime I did good with them and they did good with me it was heartbreaking for them to close my act but the lady I spiked to was like a higher level agency of chime she approved me getting a second chance because of the history I had with chime and I use chime as my number one with everything I was happy she approved for me to get a refresh start but the phone got hanged up

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: CA

Complaint narrative:
There are multiple billing and reporting mistakes by the bank that are unfairly damaging my credit. Payments Ive made arent being properly recorded, and some amounts being reported are clearly miscalculated. On top of that, I was not given the federally required XXXX notice before a payment was due, which invalidates any late marks placed on my account. Under the Truth in Lending Act ( XXXX XXXX XXXX XXXX ( b ) ), these are serious compliance issues that must be addressed.

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are multiple billing and reporting mistakes by the bank that are unfairly damaging my credit. Payments Ive made arent being properly recorded, and some amounts being reported are clearly miscalculated. On top of that, I was not given the federally required XXXX notice before a payment was due, which invalidates any late marks placed on my account. Under the Truth in Lending Act ( XXXX XXXX XXXX XXXX ( b ) ), these are serious compliance issues that must be addressed.

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 2025-04-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. As per my rights under XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX  WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-04-21 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: FL

Complaint narrative:
I am writing this to you so you XXXX help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX BANK Balance {$460.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX {$20000.00} Open Date XX/XX/XXXX XXXX XXXX  XXXX XXXX {$1500.00} Open Date XX/XX/XXXX XXXX  Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX LL Balance {$3000.00} Open Date XX/XX/XXXX XXXX XXXX LL Balance {$2300.00} Open Date XX/XX/XXXX XXXX XXXX  XXXX Balance {$720.00} Open Date XX/XX/XXXX XXXX XX/XX/XXXXXXXX Balance {$690.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$610.00} Open Date XXXX XXXX, XXXX XXXX XXXX XXXX Balance {$350.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX {$270.00} Open Date XX/XX/XXXX Inquiries XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( XXXX  ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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 2025-04-21 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

The accounts below have violated my rights. 
XXXX XXXX XXXX section XXXX. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX U.S.C XXXX ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete the accounts below : CREDIT XXXX BANK NA XX/XX/XXXX XXXX  XXXX XXXX  FIN XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  FINANCIAL XX/XX/XXXX XXXX  FINANCIAL XX/XX/XXXX XXXX  BANK N.A. XX/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 explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-04-21 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: MN

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: FL

Complaint narrative:
On XXXX XXXX, 2025, two hard inquiries from XXXX XXXX and XXXX XXXX XXXX appeared on my credit report. I did not give permission or written consent for them to access my credit file. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681b ( f ), which states that no one may access a consumer report without a permissible purpose. These inquiries were made without my authorization. I am requesting the IMMEDIATE DELETION of both inquiries. IF NOT REMOVED, this will be considered willful and NEGLIGENT NONCOMPLIANCE under 15 USC 1681n and 1681o, with PENALTIES of {$1000.00} or more per violation.

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 2025-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-04-21 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: FL

Complaint narrative:
In XX/XX/XXXX, I found accounts on my credit report that I did not open. These entries were not authorized by me and appear to be the result of identity theft. 

The accounts in question are : XXXX  XXXX Opened on XX/XX/XXXX XXXX XXXX XXXX Opened on XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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:
THIS ACCOUNT WAS CHARGED OFF ON THE FOLLOWING DATE ( XXXX XXXX  of XXXX  CHARGE OFF ) SINCE THEN THE ACCOUNT HAS REPEATEDLY BEEN UPDATED AS CHARGED OFF EVERY MONTH. THIS IS AN UPDATE IN THE PAYMENT HISTORY. A CHARGED OFF ACCOUNT SHOULD NOT INCLUDE AN ACTIVE PAYMENT HISTORY. THIS INACCURATE INFORMATION FALSELY MANIPULATES THE STATUTE OF LIMITATIONS. YOU FAILED TO INVESTIGATE THIS ACCOUNT PROPERLY AND YOUR NEGLECT HAS VIOLATED MY RIGHTS. I AM DEMANDING A DELETION OF THE FOLLOWING ACCOUNT : XXXX  XXXX XXXX Account number : XXXX As you can see, the high balance in one credit bureau is different from the others, which is inappropriate. 

I attached a photo below that is highlighted showing the error.

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 2025-04-21 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: AZ

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent account on my report.Please remove these accounts from my report, they are hurting my ability to obtain credit XXXX XXXX XXXX XXXXXX/XX/year> TRANSUNION XXXX XX/XX/year> TRANSUNION XXXXXXXX XXXX XXXXXX/XX/year> TRANSUNION

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 2025-04-21 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-21 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
XX/XX/ I went to purchase an airline ticket online with XXXX XXXX. There was a promotional offer to open a Citibank XXXX XXXX credit card and receive a {$400.00} statement credit off of this purchase and the option to earn XXXX XXXX miles with additional requirements. I was approved within minutes and was emailed approval. However, there is no way to use this credit card as advertised for the current purchase. The promotional offer is misleading. 

Both Citibank and XXXX XXXX should be held accountable and investigated for this deceitful and misleading promotional offering.

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 2025-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: CO

Complaint narrative:
I canceled my XXXX XXXX XXXX on XX/XX/year>. 

I received an email on XX/XX/year> from XXXX XXXX confirming my cancelation and included a breakdown of final payments. ( Email attached ) I paid off each of the 3 payments ( outlined in the email ). This was taken from my bank account. ( Bank Account Statements attached ) On XX/XX/XXXX, The collections firm, ALDOUS AND ASSOCIATES, hired by XXXX XXXX wrote off my account for a total of {$640.00}. ( Screen Shot attached ). 

I was notified of the hit to my credit score on XX/XX/XXXX. I called XXXX XXXX and sent follow-up emails starting on XX/XX/XXXX and the team has not called me, has not explained the charge, and has not reversed the charge. ( Email Attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: NV

Complaint narrative:
I MAKE MANYS REQUESTS TO EQUIFAX, TRANSUNION AND EXPERIAN TO RESOLVE THE ERROR IN MY CREDIT REPORT AND DO NOTHING ABOUT 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 2025-04-21 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: FL

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Subject : Dispute of Inaccurate Late Payment Reporting by XXXX XXXX Account XXXX in : XXXX Dear CFPB Representative, I am writing to formally respond to XXXX XXXX communication dated XX/XX/XXXX, regarding their reporting of 30-day late payments on my account ending in XXXX. While I acknowledge enrollment in the XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, I dispute the manner and basis on which the account was reported delinquent during the months of XX/XX/XXXX to XX/XX/XXXX. 
Here are the key points of my dispute : XXXX. Program Enrollment Should Have Suspended Negative Reporting : The purpose of enrolling in a financial hardship program, particularly one initiated by the creditor, is to offer relief and support during difficult timesnot to continue or initiate derogatory credit reporting. Upon enrollment, XXXX XXXX had an opportunity to work with me constructively. Instead, the account was marked as 30 days late continuously, even after the XXXX was in effect. This defeats the intent of financial relief and may be viewed as punitive. 

XXXX. Failure to Provide Adequate Notice or Options Prior to Reporting : I did not receive sufficient and timely warning that my account would continue being reported late after entering the XXXX. Any reporting of negative activity during this time may be considered misleading under the Fair Credit Reporting Act ( FCRA ), particularly if no new delinquency occurred post-enrollment. 

XXXX. Good Faith Efforts to Comply : I made a good faith effort to address my financial obligations through the XXXX, which XXXX XXXX approved. Continuing to report late payments after accepting me into a relief program contradicts both the spirit and expected function of such programs. 

XXXX. Request for Fair Resolution : I respectfully request that the CFPB re-examines XXXX XXXX justification and encourages them to either remove the late payments reported during the XXXX period ( XX/XX/XXXX to XX/XX/XXXX ) or update the record to show Paying under XXXX XXXX XXXX in line with updated XXXX XXXX credit reporting guidelines for accounts in hardship arrangements. 
Please consider this formal complaint and assist in ensuring fair and accurate credit reporting as required by the FCRA and the principles of consumer protection. 

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