vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: IL

Complaint narrative:
On about XXXX I was a loyal customer to chime and about 3 years ago XXXX chime informed me that I have 30 days to get my remaining funds from my account or it will be terminated and tried to get it reopen and was denied several time without clarification. Just unfortunately we unable to assist you at the moment years go by. I not longer can get into ny account but ill provide any personal information necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Several accounts on my TransUnion credit report are being reported inaccurately or in a way that does not align with federal law or Metro 2 guidelines. These reporting issues have not been properly addressed despite previous dispute attempts, and they continue to impact my ability to obtain fair credit.

Some of the main problems include : Certain accounts are marked with a charge-off status, yet they continue to reflect a balance and show repeated CO entries for several months. This falsely gives the impression of ongoing delinquency and is inconsistent with Metro 2 formatting rules for charged-off accounts. 

The Date of First Delinquency ( DOFD ), Date Opened, and Date of Last Activity ( DLA ) are either missing, incorrect, or inconsistent across tradelines. This violates FCRA 623 ( a ) ( 5 ), which mandates accurate delinquency dates. 

A few accounts are simultaneously labeled as charged-off and open, which conflicts with account status logic and could confuse lenders reviewing my file. 

Some items include language like meets FCRA requirements or consumer disputes this account, but I was never provided with proper investigation results or documentation as required under FCRA 611.

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 2025-04-02 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: CL Holdings LLC
State: TX

Complaint narrative:
JEFFERSON CAPITAL SYSTEM ORIGINAL CREDITOR : XXXX {$7000.00} ACCOUNT # XXXX not my account and its reporting to all three major credit bureaus. Remove as it is affecting me and not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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:
I recently submitted a dispute because I am deeply concerned about an account on my credit report that still appears to be inaccurate and incomplete. Its clear that a proper investigation was not conducted, and the incorrect information remains. This situation has been incredibly stressful, leaving me feeling overwhelmed and discouraged. 

Please, I need your helpI dont know what else to do, and this is seriously affecting my life. Also, I want to make it absolutely clear that I am the one personally submitting this dispute, not a third party.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Event : Upon verifying my uber ride with the license plate on my app, my phone was stolen out of my hand while it was unlocked by a motorist. I asked the uber driver to cancel the ride while I attempted to chase the thief. Upon failing to retrieve my phone I requested apple to set my phone into lost mode and erase. On day of theft, I went to the police station to file a report ( there was only one that accepted tourist ) and due to carnival, they had high volumes and made us come back on another date per appointment. The next day my business partner discovered fraudulent XXXX  charges from our chase business account and later my personal banking account. My business partner and I reported the charges as fraud and they were able to cancel pending charges. I also discovered that I was locked out of my gmail account, as my password was changed. We filed the police report during our appointment as instructed. 

We sent the following documentation to chase bank : police report, proof of being locked out of my gmail, proof of us being in XXXX XXXX XXXX ), proof of filing a replacement phone with my insurance, proof of reporting my phone as lost to apple with time stamp, proof of location of my lost phone upon my return with time stamp. 

They stated that my phone authenticated the XXXX  transaction and therefore it was us that made the transaction. We have explained that the phone was stolen while it was unlocked and that thief hacked into my email, so this is how the person was able to authenticate this transaction. We asked for their research to prove that it was authorized by myself and they have not replied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: SC

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: IL

Complaint narrative:
Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with the CREDIT BUREAU, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the accounts below in my file : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: CA

Complaint narrative:
Inaccurate and incomplete information reported in violating of 15 USC 1681 e ( b ) and 15 USC 1681 ( i )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: CA

Complaint narrative:
Inaccurate and incomplete information reported in violating of 15 USC 1681 e ( b ) and 15 USC 1681 ( i )

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 2025-04-02 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: TX

Complaint narrative:
Please see supporting documents pertaining to Equifax data breach identity theft below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX { Last XXXX XXXX XXXX } Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX Subject : Urgent Dispute of Fraudulent Accounts Due to Data Breach Identity Theft Report # XXXX Dear Equifax Dispute Resolution Team , I am writing to urgently dispute multiple fraudulent accounts that have been opened in my name and linked to my Social Security number as a result of the Equifax data breach. I have included a copy of my Identity Theft Report # XXXX ) for your reference. As a victim of this breach, I have identified unauthorized accounts that I did not open or authorize. 
The details of the fraudulent account are as follows : XXXX XXXX XXXX : Open Date XXXX XXXX. XX/XX/year> XXXXXXXX XXXX XX/XX/year> XXXX XXXX Bank XXXX. XX/XX/year> In accordance with 15 USC 1681c-2 ( a ), I demand that this account be blocked and removed from my credit report within four ( 4 ) business days of your receipt of this letter. Should you fail to respond adequately, I may pursue a small claims action against your agency, seeking damages of {$1000.00} per violation under 15 U.S.C. 1692k for the following reasons : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Violation of 15 U.S. Code 1681o Violation of 15 U.S. Code 1681n ( b ) ( Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681b ) Violations under 15 U.S. Code 1681c Violation of 15 U.S. Code 1681a ( 4 ) ( Right to privacy ) Under 15 U.S.C. 1681 ii ( 7 ) ( Method of verification ) Thank you for your urgent attention to this critical matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Experian XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report.

Dear Equifax, Transunion, Experian I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law.

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly.

Reinserting previously disputed and inaccurate information without explanation.

Failure to notify consumers about investigation results effectively.

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 

Please review the inaccurate information being reported.

Under the FCRA, you are required to : Conduct a proper investigation in to the dispute.

Inform me of the results of the investigation in a clear and comprehensible manner.

Provide me with any documentation you rely on if the disputed information is verified as accurate.

Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly.

If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report.

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 2025-04-02 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Experian XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report.

Dear Equifax, Transunion, Experian I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law.

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly.

Reinserting previously disputed and inaccurate information without explanation.

Failure to notify consumers about investigation results effectively.

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 

Please review the inaccurate information being reported.

Under the FCRA, you are required to : Conduct a proper investigation in to the dispute.

Inform me of the results of the investigation in a clear and comprehensible manner.

Provide me with any documentation you rely on if the disputed information is verified as accurate.

Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly.

If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report.

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 2025-04-02 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: KY

Complaint narrative:
Description : This complaint is being filed against TransUnion for reporting inaccurate and unverifiable negative information on my consumer credit report in violation of the Fair Credit Reporting Act ( FCRA ).

TransUnion is reporting one or more derogatory accounts ( late payments, charge-offs, collections ) that have never been validated with proper legal documentation. I have not been provided : An original contract bearing my signature ; A full accounting of the balance owed; A verified chain of assignment ; Proof of the debts ownership or legal reporting authority.

According to FCRA 1681i, TransUnion must conduct a reinvestigation of disputed information and delete any item that can not be verified. Their continued reporting of unverifiable information constitutes willful noncompliance and has caused me measurable financial harm. 

I am requesting that the CFPB compel TransUnion to : Remove all negative entries that can not be validated ; Provide a full audit trail of any information verified ; Cease the unlawful practice of unverifiable reporting.

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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-04-02 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: IL

Complaint narrative:
Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with the CREDIT BUREAU, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the accounts below in my file : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1400.00}

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 2025-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I made a payment of {$1300.00} for closing date XX/XX/XXXX out of my XXXX account. They failed to provide a copy of my payment and a statement which would have reflected my transaction and XXXX balance, but yet my payment does not exist on my legal statement which is missing. I was told about a week ago that i had my online account. I have never had an online account! I never opened my accounts online and do not do any form of online banking whatsoever. 

XXXX from XXXX  has online accounts to my knowledge from previous discussions. My Experian report XXXX for XX/XX/XXXX is missing all my payments and they only go back to XX/XX/XXXX. They also dont have any of my payments. XXXX XXXX  also failed to provide my XXXX last XXXX and refused to provide the XXXX statement, which had my payment and would have shown my payment and a XXXX balance. 

Additionally, American Express was given the police reports for XXXX in the spring of XXXX filed on XX/XX/XXXX for a mix up of persons with XXXX patients within my medical records. Police report number XXXX. This is in addition to the police report filed by XXXX XXXX XXXX XX/XX/XXXX police report number XXXX for ID theft. XXXX XXXX is the only company that has refused to escalate this to their corporate escalation team and refused to provide an email to communicate with me to send the proof, and I have been requesting it since XXXX. I have asked for their corporate escalation to follow up with me. I have sent them many things all year by fax and XXXX Mail. I dont want this email listed on the account, but will communicate with them so that the back office is aware that it is me filing the complaints and easier to get them what they need. 

Additionally, there is a {$14.00} interest charge dated from XXXX that is also not mine. I disputed that with XXXX in XXXX XXXX who stated that she escalated this as well on XX/XX/XXXX. I feel really frustrated that i have been dealing with American Express since XX/XX/XXXX with no solid resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-02 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: SC

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX 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 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