vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: MO

Complaint narrative:
I called CHIME at XXXX and spoke with XXXX on XX/XX/XXXX ( this is the second time Ive called first was XX/XX/year> when I spoke with XXXX XXXX. This time I provided the information I had : the fraudulent account number started with, and the associated address possibly used was. I explicitly asked for a certified letter providing confirmation that : the fraudulent account is not yours ; you aren't liable for the account ; it was removed from your credit report '' that per IdentityTheft.Govs instructions. I recorded the call and will upload it XXXX XXXX. 

NOTE : after verbally confirming the XXXX points above, the Chime employee then sent me an email stating that they can neither confirm or deny the account. The employee then said to verify account closure, I would need to file an FTC Report. I said would be glad to do so while we stay on the phone. I was stuck on hold after this. 

I tried to report a fraudulent account for closure. I reported the fraud with credit bureaus and the FTC, but Chime / XXXX XXXX XXXX refused to close the account, and refused to provide a letter confirming account closure after saying they would.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: CT

Complaint narrative:
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!

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 2025-08-12 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:
I am submitting this complaint with full confidence in its validity and with serious concern over the numerous errors on my credit report. These inaccuracies have been causing significant harm to my credit score and quality of life, preventing me from achieving financial stability and independence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
i received an email out of the blue thanking me for opening a Frost Bank checking account. I called Frost Bank and they confirmed someone signed up and opened it online. I have never had or applied for a Frost Bank checking account. They closed the account but i have no idea how they allowed the account to be opened without contacting me or confirming i in fact am trying to open an account. Luckily, I caught it and saw the email but now need to file police report, XXXX, call credit bureaus, etc How did Frost bank allow this to happen and who was able to get my personal information and open this account without my permission?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: NC

Complaint narrative:
Discover is currently reporting on my XXXX account number XXXX XXXX XXXX XXXX XXXX  as a bad debt/ profit loss write-off. I am requesting a 1099-C which I never received for tax purposes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: NJ

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 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 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 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 2025-08-12 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: FL

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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

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 2025-08-12 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: MN

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date : XX/XX/year>XXXX  Via Certified Mail Return Receipt Requested Waypoint Resource Group , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX Re : Formal FCRA Dispute Account No. XXXX/ Waypoint Ref. No. XXXX To Whom It May Concern : I am disputing the accuracy and validity of the above-referenced account that you are reporting to the credit reporting agencies. This dispute is made pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ). 

You are reporting that I owe a debt to XXXX XXXX in the amount of {$270.00}. I have no record of entering into any agreement with XXXX XXXX that would create this obligation, nor have you provided any competent evidence that I am responsible for this debt. 

Under the FCRA, you are required to conduct a reasonable investigation of my dispute and to verify the accuracy of the information you are furnishing. Under the FDCPA, you must also provide proper validation of the debt, including : A complete payment history and itemization showing how the alleged balance was calculated ; A copy of any contract, agreement, or other document bearing my signature ; and The name and address of the original creditor, if different from the current creditor. 
Until such validation is provided, you must cease reporting this account to any consumer reporting agency. If you can not provide the required documentation, you must immediately request that all credit reporting agencies delete this account from my credit file. 
Please note that failure to comply with the FCRA and FDCPA can subject you to statutory damages, actual damages, attorneys fees, and costs. 

I expect your response within 30 days, as required by law. 

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
Consumer complaint received 2025-08-12 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:
On XX/XX/year>XXXX  I mailed a letter to Experian In regards to Hard Inquires on my credit report that do not have permissible purpose of being there. In the letter I provided a copy of my passport, social security card, and utility bill to confirm my identity and so they can investigate this and fix this matter to be compliant with the FCRA laws they are regulated by. Not only has it been well passed 30 days with absolutely no response from Experian but, they also have not updated my credit report. I would greatly like to be a first time homebuyer and Experian 's lack of ensuring maximum accuracy on my credit report is stopping me from doing this.

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 2025-08-12 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: MN

Complaint narrative:
I reviewed my Equifax credit report and noticed that TBOM/FORTIVA account are being reported as open and late. This information is inaccurate. Based on my records, these account should not be showing as currently open with late payments. This incorrect reporting is damaging my credit standing and does not reflect my true payment history. I am requesting that Equifax verify these account with complete and accurate documentation from the original creditor, as required under the Fair Credit Reporting Act ( FCRA ). If Equifax can not provide full verification, the inaccurate information must be corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft, and did not make the charge. I asked that the items be deleted to correct my credit report, I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as it is affecting my life as I am trying to purchase a home.

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 2025-08-12 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft, and did not make the charge. I asked that the items be deleted to correct my credit report, I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as it is affecting my life as I am trying to purchase a home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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 sent a certified letter to Equifax on XX/XX/year> with tracking # XXXX it shows the delivery date of XX/XX/year> at XXXX XXXX  in XXXX GA. The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts : XXXX XXXX - {$0.00} ( ACCOUNT # XXXX XXXX XXXX XXXX - {$13000.00} ( ACCOUNT # XXXX ) Equifax failed to respond. I sent another letter on XX/XX/year>XXXX  which they failed to respond once again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: TX

Complaint narrative:
FRADULENT APPLICATION WAS SUBMITTED IN MY NAME TO OBTAIN GOODS AND SERVICES WITHOUT MY PERMISSION. I HAVE NO KNOWLEDGE OF THIS, AND I WOULD LIKE IT DELETED FROM ALL 3 CREDIT REPORTS COMPANY NAME ACCT # AMOUNT XXXX XXXX XXXX {$24000.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {$20000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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:
FRADULENT APPLICATION WAS SUBMITTED IN MY NAME TO OBTAIN GOODS AND SERVICES WITHOUT MY PERMISSION. I HAVE NO KNOWLEDGE OF THIS, AND I WOULD LIKE IT DELETED FROM ALL 3 CREDIT REPORTS COMPANY NAME ACCT # AMOUNT XXXX XXXX XXXX {$24000.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {$20000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: IL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
* * Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : * * Formal Complaint Illegal Denial of Banking Services for Refusal to Disclose SSN Despite Providing Valid IRS Tax Identification JPMorgan Chase Bank , N.A . Request for Investigation, Enforcement, and Corrective Action * * * XXXX XXXX XXXX * * Incident Summary : * * On XXXX XXXX XXXX XXXX XXXX XXXX XXXX, at XXXX XXXX XXXX XXXX XXXX XXXX I arrived for a * * prescheduled appointment * * at * * Chase Bank * *, XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX, to open a * * personal checking account * *. 

The Chase representative was : Vice Assistant President / Private Client Banker JPMorgan Chase Bank , N.A . 
XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Office : Email XXXX NMLS ID : I provided all identification and documentation required by federal law under the XXXX XXXX XXXX XXXX XXXX Customer Identification Program ( 31 CFR 1020.220 ) * *, including : 1. * * Valid governmentissued photo identification * * 2. * * Official IRSissued Taxpayer Identification Number documentation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Proof of residency/address * * 4. All other personal information requested for identity verification Despite meeting these requirements, MrXXXX XXXX XXXX  Stated he could not use my IRSissued Taxpayer Identification Number as valid for the account - Refused to verify the number with the IRS despite the phone number printed on the notice - Refused to let me call the IRS from the bank to confirm it - Insisted that * * only an SSN * * would be accepted - Terminated the process and asked me to leave without providing a written explanation or legal citation - Ignored Chase Banks own public policy stating that it accepts all valid TINs XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Basis for Complaint : 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 explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Albuquerque Auto Outlet
State: NM

Complaint narrative:
I bought a Lemon from a company named Albuquerque Auto outlet and I gave the company back the vehicle in XXXX and it was considered a voluntary repossession. As of today XXXX the company has still been reporting the voluntary repossession to the credit bureau past the 7 years that it is legal to do so here in the state of New Mexico. I made a dispute but I wanted to also report the company who is illegally reporting it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: GA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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