vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 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: IN

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 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Comerica
State: NY

Complaint narrative:
Firstly, you dont want have a choice that fits my issue so let me just tell you and you can decide if this is under your preview. 
Social security uses XXXX XXXX to make XXXX and other payments. 
I have been their customer for over a decade and in that time approximately {$360000.00} and they paid exactly {$0.00} in interest. 
They are constantly trying to make it difficult for me to transfer funds and shopping for necessities. Despite using XXXX factor authentication that requires a code send to my phone, they use a rubbish reason like its for your own security except no one asked them to stop payments or hold the money. Its now been XXXX  days of me sending them copies of my identification card ( SS card, Citizenship certificate, monthly statement, XXXX XXXX card ( I am XXXX and dont drive so I had my DL expire on XX/XX/25 ) in addition to asking someone to call me on video chat and various other ways to verify that I am me!!! 
Imagine that, they are saving me from me and I never asked them for any of this. 
I cant buy food, medications or pay my bills. 
I want to burn them all down to the ground except I cant even go to the bathroom without assistance. 
I want to file a class action lawsuit because they have done this to many others and I only need XXXX for the class action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: PA

Complaint narrative:
XXXX XXXX XXXX have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated XXXX U.S. Code XXXX ( XXXX ) and this leads to an alleged identity theft, which is a violation of XXXX U.S. Code XXXX. These accounts are not related to any transactions made by me, the consumer.

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 2025-08-15 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: RI

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately, I had a few late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action. 

SEE ATTACHED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: TN

Complaint narrative:
On XX/XX/scrub> 2025, I disputed a negative tradeline from XXXX XXXX XXXX appearing on all three of my credit reports ( Experian, Equifax, and TransUnion ). The account is reported with the following inconsistent statuses : Experian Account legally paid in full for less than the full balance, with Worst Delinquency : Charge Off/Other Derog Equifax Pays account as agreed, with Worst Delinquency : 30 days past due TransUnion Paid or paying as agreed, with Worst Delinquency : None Reported These differences show the same account is not being reported consistently across the three credit bureaus. Under the Fair Credit Reporting Act ( FCRA ), if an account is accurate, it should be reported the same by all credit reporting agencies. The conflicting data indicates that at least one if not more of the bureaus reporting is inaccurate and unverified.

When I submitted my dispute, I specifically requested verification of the alleged delinquency, including the original account records, full payment history, and any proof supporting the Charge Off/Other Derog status. All three bureaus either failed to provide documentation or claimed the account was verified without producing evidence.

The absence of documentation to substantiate the derogatory status combined with the fact that two of the three bureaus do not report a charge-off means the reporting is inaccurate, incomplete, and unverifiable. I am requesting the removal or correction of this tradeline on all three reports to ensure compliance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: TN

Complaint narrative:
On XX/XX/scrub> 2025, I disputed a negative tradeline from XXXX XXXX XXXX appearing on all three of my credit reports ( Experian, Equifax, and TransUnion ). The account is reported with the following inconsistent statuses : Experian Account legally paid in full for less than the full balance, with Worst Delinquency : Charge Off/Other Derog Equifax Pays account as agreed, with Worst Delinquency : 30 days past due TransUnion Paid or paying as agreed, with Worst Delinquency : None Reported These differences show the same account is not being reported consistently across the three credit bureaus. Under the Fair Credit Reporting Act ( FCRA ), if an account is accurate, it should be reported the same by all credit reporting agencies. The conflicting data indicates that at least one if not more of the bureaus reporting is inaccurate and unverified.

When I submitted my dispute, I specifically requested verification of the alleged delinquency, including the original account records, full payment history, and any proof supporting the Charge Off/Other Derog status. All three bureaus either failed to provide documentation or claimed the account was verified without producing evidence.

The absence of documentation to substantiate the derogatory status combined with the fact that two of the three bureaus do not report a charge-off means the reporting is inaccurate, incomplete, and unverifiable. I am requesting the removal or correction of this tradeline on all three reports to ensure compliance with the FCRA.

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 2025-08-15 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: WY

Complaint narrative:
On XXXX XXXX XXXX, a fraudulent student loan in the amount of {$1800.00} was opened in my name without my knowledge or consent. This account has since been placed in collections and has caused significant harm to my credit standing.

I have filed four separate disputes with TransUnion regarding this account. Each time, I have clearly stated that the account is fraudulent and does not belong to me. XXXX  promptly investigated, confirmed the account was fraudulent, and removed it from my credit file. TransUnion, however, has failed to conduct a reasonable reinvestigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Instead, they have repeatedly verified the account as accurate, despite my statements and the contradictory findings of another national credit bureau. 

TransUnion has stated that my only recourse is to submit additional documents, which I do not possess because this account is not mine. This position ignores the obligations under the FCRA to investigate disputes using all information reasonably available, including information from other credit reporting agencies and the furnishing creditor. By failing to remove the fraudulent account, TransUnion is in violation of its statutory duties under the FCRA, including but not limited to : Failing to conduct a reasonable reinvestigation ( 1681i ) Failing to delete inaccurate or unverifiable information ( 1681i ( a ) ( 5 ) ) Continuing to report information it knows or should know is inaccurate ( 1681e ( b ) ) I request immediate removal of the fraudulent account from my credit report and written confirmation of this action. If TransUnion fails to correct this matter promptly, I will pursue further remedies through the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and private legal action as allowed under the FCRA.

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 2025-08-15 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: CA

Complaint narrative:
This is not a mistake my credit report contains clear inaccuracies that have not been addressed with the maximum possible accuracy required by law. These errors are causing ongoing and significant harm to me, both personally and financially. The impact is severe, and the urgency to correct these issues can not be overstated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: PA

Complaint narrative:
I have previously disputed Experian, XXXX and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-08-15 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: VA

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 FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 2025-08-15 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: TX

Complaint narrative:
I would like your assistance in removing unauthorized accounts from my credit record. I didnt initiate them and had no prior notice of their presence. According to USC 1681g, I ask that they be removed within 15 days. I have attached proof for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: NY

Complaint narrative:
My Chime account, associated with the phone number XXXX, has been frozen due to a faulty identity verification process. This has been ongoing since XX/XX/XXXX, and I have been unable to access my funds. 

The issue stems from Chime 's system refusing to accept a valid XXXX  passport as a form of verification, even though they allow XXXX XXXX who are legal residents to sign up to their product.

I have continuously tried to provide a valid XXXX passport for identity verification. Chime 's system does not accept this, and their support team have also refused to accept this via any other means ( eg. email ). Instead they consistently make contradictory and impossible requests for me to provide a XXXX passport, which I am evidently unable to obtain. 

I have attempted to resolve this issue through Chime 's official channels. On XX/XX/XXXX, I tried to file a complaint by phone, but the representative spoke over me and disconnected the call. I called back and requested to be transferred to the complaints department through the fraud department, but the representative repeatedly pretended not to hear me and refused to transfer me. I asked a third time and again they simply put me on hold and did not transfer me. This feels like bad faith and a clear refusal to log a complaint. 

Every time I have called them on the phone they have told me if I can not provide a XXXX form of ID then they can't help me. 

I am willing to provide all legal documentation if they would let me, and am a legal XXXX resident. Their refusal to recognize my valid SSN and a globally accepted form of identification is preventing me from accessing my funds that are required to pay my bills. The complete lack of a functioning complaints process and their repeated refusals to escalate my issue has left me with no choice but to seek intervention from the CFPB. 

I am requesting that the CFPB intervene to compel Chime to review my case and unfreeze my account immediately. The company 's practices are unfair and are causing me financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFBP ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-08-15 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: Kriya Capital, LLC
State: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
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