vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-22 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-22 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: NC

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-22 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Larry H. Miller Group of Companies
State: MI

Complaint narrative:
I have asked this company to stop contacting my references and to also refrain from sending me repeated texts within the same day. Even after speaking with someone. 

On XX/XX/year> my landlord was contacted and left a 51 second voicemail wanting to verify that the financed vehicle was located at this address. At no time was there a request for me to contact this company. I have received no written communication. I also just made a payment on XX/XX/year> with a card associated to the same address. There has been no changes to warrant the call to my landlord.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing this complaint with absolute certainty and extreme frustration. There is an error on my credit report that I can no longer ignore, as it has been negatively impacting my life and credit score, making it difficult for me to achieve financial freedom and stability. This incorrect information has caused unnecessary stress and continues to affect me unfairly.

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 2025-11-22 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: Chime Financial Inc
State: TX

Complaint narrative:
This company allowed funds to be taken out of my account with multiple transactions. They did not try and stop transactions. I was at work at the time. I showed proof. I have filed complaints. They keep responding with unanswered responses. I have contacted them on several occasions and was told that I would receive my funds back. They misrepresented their banking. This company does not listen to customers nor respect their accounts. I have not been able to put my money in the account due to being afraid my funds will be stolen again and Chime will not compensate me for the loss. This was an account gone to waste. I have spoke with other consumers and they stated the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: CA

Complaint narrative:
I am submitting this CFPB complaint because LexisNexis has refused to properly investigate a fraudulent bankruptcy that continues to damage my credit, despite clear legal proof that I am a victim of identity theft. Their most recent response was not only inaccurate, but it also contained a false accusation that my Social Security card was fake. That accusation is baseless, defamatory, and directly contradicted by the government issued documents included in my file. 

In the documents I uploaded, LexisNexis acknowledged receiving my dispute but claimed my Social Security identification was invalid and that my SSN did not match their records. This claim appears in their written response dated XX/XX/year>, as referenced on page 4 of my attached file. This statement is untrue. My identification is legitimate, issued by the United States Government, and appears clearly on page 1 of the same file showing my passport card and federal identification. 

I also provided an FTC Identity Theft Report number XXXX, which appears on page 3 of my uploaded file, confirming that I am a verified identity theft victim and that the fraudulent bankruptcy originated from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  under case number XXXX. Under FCRA 605B, LexisNexis was required to block this information within four business days once they received the FTC report. They did not do so. Instead, they ignored the FTC report and attempted to dismiss my dispute by alleging identity issues that they never substantiated. 

LexisNexis also failed to perform a reasonable reinvestigation under FCRA 611. Their letter does not provide any certified court documentation, does not verify any identifiers, and does not describe any procedure used to determine accuracy. They appear to rely on unsecured database feeds instead of certified court records, which violates their obligation under FCRA 1681e b to maintain maximum possible accuracy.

The fraudulent bankruptcy they continue to report is not only incorrect, but it is also structurally incomplete. As shown in my credit files and described in my dispute letter, the public record contains XXXX dollar fields, missing identifiers, and inconsistent data which violates Metro 2 CRRG section 7. LexisNexis continues to publish and disseminate this inaccurate record to other credit bureaus and data furnishers, worsening the harm to my financial life. 

Because of their refusal to comply with FCRA 605B, FCRA 611, and FCRA 1681e b, my credit continues to reflect a bankruptcy that I never filed. This misinformation affects my ability to obtain housing, credit, and financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Date of Wire Transaction to XXXX XXXX : XX/XX/year> : {$1600.00} + {$25.00} wire transfer fee XX/XX/year> : {$1000.00} + {$25.00} wire transfer fee I am a XXXX XXXX XXXX. My next work travel assignment is in Colorado, with a starting date of XX/XX/year>. 
( I HAVE ALL DOCUMENTATION/SIGNED CONTRACT/BOOKING RECEIPTS/EMAILS/TEXTS/BANK STATEMENTS ) I started my search for a short-term rental property at the beginning of XXXX. I wanted something affordable and walking distance to my workplace here in XXXX, CO. 
I searched on XXXX, XXXX XXXX XXXX, etc.... I then decided to join a XXXX XXXX XXXX XXXX on XXXX. I posted on the page regarding renting a home that will be close to my work. I received a lot of responses, but none were within walking distance to the hospital. A XXXX user named XXXX XXXX commented under my post, and once I reached out to XXXX, she then gave me the address of a property that was walking distance to the hospital. 
Unfortunately, I decided to proceed with XXXX XXXX with Home Finders Rentals, with filling out an application, getting approved by her " booking XXXX, '' which is XXXX XXXX XXXX, whose name is listed in the contract. 
Paid for the XXXX month rent, deposit, and an application fee. She then offers me a XXXX XXXX for medical professionals. 
which then required me to pay the next month 's rent, and I would get the XXXX month free. 
When I arrived at the address on XX/XX/XXXX at XXXX XXXX, no one answered the property door, they blocked my phone number, and I had no one to contact. I was very traumatized. 

I have tried to get in contact with them with my friend 's phone, but no one ever answers. 
They are not only impersonating as a " REAL ESTATE AGENT '' but they have a whole team that is doing this vicious act and scamming people left and right. 

Please visit this website, and you can view all the images of people that they are impersonating as real estate agents. 
https : //homefindersrentals.com Please help me! 
Call or email me if supporting documents are needed to process this claim, and if there is any chance of getting my money back that I've worked so hard for. 
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
Consumer complaint received 2025-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I am submitting this complaint because Chase closed my credit card account unfairly and without properly reviewing my situation. I am a college student and rely on this card, and what Chase did feels extremely unreasonable and harmful to me. 

I had Chase for about five to six months and only ever missed one payment. I recently filed a few disputes with Chases customer claims department because I was confused about some transactions and believed some were unauthorized. I filed these disputes through their proper channels and followed everything they told me to do. No one ever warned me, contacted me, or told me that filing disputes could harm my account or be considered abuse. If they had said anything, I would have been more careful, but they didnt give me any information besides processing my claims normally. 

Even after the disputes, I still paid Chase {$300.00} early and in full to settle everything and stay on good terms. I acted in good faith, and I believed my account was fine. 

The very next day after filing my CFPB report, Chase sent me a letter saying they are closing my account due to a pattern of abuse of our claims process. This makes no sense and feels extremely unfair. I used the claims process exactly the way Chase told me to. I did not commit fraud. I did not try to take advantage of the system. I simply filed disputes for things I believed were wrong on my account. 

The letter from Chase felt automated and did not reflect the actual situation. I was never given a chance to explain myself, speak to a representative, or even understand what was happening. I was never told my account was at risk of closure despite calling and communicating with Chase multiple times. 

I feel punished for using the claims system they provided. I also paid them {$300.00} even after filing the disputes, which shows I acted responsibly. Closing my account after I paid early makes me feel like Chase took my money and immediately shut me out. 

This whole situation is extremely stressful because I am a student, I depend on this card, and I try very hard to keep my finances clean and responsible. Chases sudden decision has affected my trust in them and has made me anxious about my financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
Chase Bank closed my account without providing a clear or specific explanation. I received no detailed notification of the reason for the closure, nor was I given the opportunity to clarify or correct any issues. 

I have tried to obtain an explanation by contacting Chase, but I only receive generic responses stating that they can not provide further information for security reasons. I require a formal explanation as to why my account was closed, as well as a full review of the case. 

I also request confirmation of the status of my funds and official documentation of the closure. 

I request the CFPB 's intervention to compel Chase to provide a clear explanation and review its procedures, as this action has harmed me without any apparent justification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING 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 2025-11-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: GFS II, LLC
State: KS

Complaint narrative:
A repossession account from GFS II LLC / Gateway Financial Solutions is appearing on my credit report. I contacted the company to request verification and supporting documentation for the repossession, including the original signed contract, notice of default, right-to-cure notice, repossession order, sale documents, and a breakdown of the balance and past-due amount. The company did not provide any of the requested documents. Important information on the account appears inaccurate, including the balance, past-due amount, dates, and the reporting of the repossession. Because the company has not verified the account or provided documentation to support the information they are furnishing, I am requesting assistance to have the inaccurate and unverified information removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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: Chime Financial Inc
State: VA

Complaint narrative:
My chime account was hacked into and money was stolen totaling up to XXXX they sent it by peer to peer I put in a police report and reported it to chime asap

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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: TN

Complaint narrative:
I discovered multiple inaccuracies on my credit report, including accounts, addresses, names, and inquiries that I did not authorize, apply for, or recognize. These items are the direct result of inaccurate reporting and/or identity theft. I have never lived at the listed addresses, never used any other name besides my legal name XXXX XXXX, and never opened or signed for the accounts or inquiries being reported. The presence of these items has caused significant harm to my credit, reputation, and financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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: FISERV FINXACT CORE
State: VA

Complaint narrative:
I am using money network as a card card from my previous job which I recently quit. 

I woke up to {$250.00} worth of charges in my account from vegas. I live in VA. 

I tried calling the number on the back of my card ( which is the only option provided to me for a fraud issue like this ) and after like, 3 steps of verification, the bot just ended up telling me that theyre working on a technical issue and to call back later. this is unacceptable. I feel I am also correct to assume that im not the first person to have grievances with this awful money network service.

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 2025-11-22 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:
I want to make it very clear that I never authorized this inquiry. On the date in question, I did not have any communication with the lender, and I did not request that they check my credit. Because this was done without my consent, I respectfully ask for this inquiry to be removed from my credit file as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-22 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: WI

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Social Security Number : XXXX, Date of Birth : XX/XX/year> This formal complaint is submitted pursuant to FCRA Section 605B ( 15 U.S.C. 1681c-2 ), requesting that EQUIFAX immediately block all fraudulent information appearing on my consumer credit report that is the result of identity theft. Under the FCRA, this action must be taken within four ( 4 ) business days upon receipt of this request.

The following fraudulent collection accounts have been identified as unauthorized and inaccurately reported : Fraudulent Accounts to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BALANCE : {$730.00} XXXX XXXX XXXX XXXX XXXX BALANCE : {$4400.00} DEPARTMENT OF EDUCATION XXXX XXXXXXXX XXXX XXXX  BALANCE : {$2200.00}, DEPARTMENT OF EDUCATION XXXX XXXXXXXX XXXX XXXX  BALANCE : {$2200.00}, DEPARTMENT OF EDUCATION XXXX XXXXXXXX XXXX XXXX BALANCE : {$1900.00}, I have never applied for, authorized, or been associated with these accounts. These items are the direct result of identity theft and fraudulent activity. 

Attached to this complaint are : A copy of my FTC Identity Theft Report ( Report No. XXXX, and XXXX. ) A detailed list of the fraudulent accounts In accordance with the FCRA and my rights as a consumer, I am requesting that EQUIFAX immediately block and remove the listed fraudulent entries and cease all reporting and collection activity related to them. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-22 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: CA

Complaint narrative:
My credit report shows numerous inquiries that I do not recognize. I did not give any permission for these companies to pull my credit report, nor did I apply for anything that would justify these checks. I take my rights as a consumer seriously, and seeing them violated like this is extremely upsetting, especially with how stressful my life already is.

Company response to consumer: Closed with explanation