vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Around XXXX of 2024, XXXX, XXXX XXXX XXXX, reported 3 months of non payments on account number XXXX. Please note that XXXX XXXX 's loan servicing agency, ( XXXX XXXX  XXXX  ), had transferred my loan to XXXXXXXX XXXX XXXX without my knowledge. However, I continued to XXXX payments to XXXXXXXX XXXX XXXX which they failed to transfer to their new loan servicer. When this allegation came up, I provided 3 months of canceled checks and bank statements which showed that those payments were made. Therefore, XXXX research department resolved the matter but failed to remove the record from my credit report. My credit still shows 30, 60, and 90 days late payments which is not true. 

Secondly, Due to temporary XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) XXXX, XXXX granted me loan payment adjustment to accommodate my 65 % of XXXX checks for 10 months. XXXX gave me a payment plan of {$8.00}, XXXX per month x 6 months. Till date, I have not defaulted this plan, however, XXXX the loan servicer for XXXX XXXX continued to report this plan as late payments which is not fair. Please see the attached documents for your review.

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 2025-09-01 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: CA

Complaint narrative:
My bank noticed weird charges on my debit card and notified me. They asked me to check the charges if I did not recognize them and I did not recognize them. So I checked the charges and submitted the form back to my bank. My bank said okay great we have blocked the charges and no money has been taken from your account. This happened several times and finally my bank said you need to replace your debit card so I did. Every time I got notified of these same charges my bank said we have blocked these transactions no money has been taken from you. On XX/XX/XXXX of 2025 I noticed all this money taken from my account it was the same transactions I said were not mine. So I had to dispute them today my bank sent me an email saying the investigator said they found no error occurred and my claims were rejected my bank saw unfamiliar charges on my acccount notified me promised to block the charges and they never did allowing these charges to go through. They did not secure my account as promised then denied my claim when I disputed them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: FL

Complaint narrative:
HARD INQUIRIES : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Email : XXXX Phone : XXXX I am submitting this rebuttal regarding Experians XX/XX/year>, response to my XX/XX/year>, complaint. Experian failed to comply with FCRA 607 ( b ), 605B, 611, 616617 and continues to report inaccurate personal information and six unlawful accounts, causing financial harm and XXXX XXXX 

Failure to Reinvestigate & Ensure Accuracy : Experian did not independently verify, correct, or remove inaccurate names, addresses, or collection accounts. 

Simply directing me to creditors or public records is not a reinvestigation and violates FCRA 611.

Inaccurate reporting breaches FCRA 607 ( b ) and 1681e ( b ), causing credit denials and increased interest rates.

Unlawful Collection Accounts & Violations : XXXX XXXX XXXX  ( Acct. # XXXX, {$2400.00} ) FCRA 605B, 607 ( b ), 611 ; FDCPA 807, 808, 809 ( b ) ; debt sold/reported without consent. 

XXXX XXXX XXXX ( Acct. # XXXX, {$640.00} ) FCRA 611, 623 ( a ) ( 1 ) ( A ) ; FDCPA 807, 808, 809 ( b ) ; inaccurate balance and unauthorized reporting. 

XXXXXXXX XXXX XXXX XXXX ( Acct. # XXXX, {$0.00}, sold to XXXX ) FCRA 607 ( b ), 611 ; FDCPA 807, 808, 809 ( b ) ; deceptive reporting without assignment or validation. 

XXXX XXXX XXXX ( Acct. # XXXX, {$30000.00} ) FCRA 605B, 607 ( b ), 616617 ; FDCPA 807 ; contradictory balances, worsening hardship. 

XXXX XXXX XXXX ( Acct. # XXXX, {$390.00} ) FCRA 611 ; FDCPA 807, 808, 809 ( b ) ; no proof of ownership, unauthorized collection. 

XXXX XXXX XXXX ( Acct. # XXXX, {$380.00} ) FCRA 607 ( b ), 611 ; FDCPA 807, 808, 809 ( b ) ; inflated/unverified balance, unauthorized reporting.

Demand : Delete all six accounts and all inaccurate personal information within 15 days. 

Provide written confirmation of deletion. 

Notify all parties Experian shared my report with in the last six months of these corrections. 

Failure to comply will result in CFPB escalation, FTC complaint, State Attorney General action, and federal civil litigation under FCRA XXXX for statutory, actual, and punitive damages. 

This is your final notice. Full compliance is expected within 15 days. 

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 2025-09-01 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: GA

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 : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/scrub>/2015, Balance : {$2100.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-01 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: AZ

Complaint narrative:
These false entries, of which I am not the rightful owner, must be cleared within 15 days per USC 1681g.

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 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

1681c2 ) that you, the TransUnion 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 : ACCOUNTS : XXXX - Account Number : 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, Date Opened : XX/XX/year>2022, Balance : {$710.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>2022, Balance : {$4900.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>2022, Balance : {$3300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-01 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: OH

Complaint narrative:
I'm writing to formally dispute an account currently being reported on my credit file that is in the middle of pending litigation. Because this matter is actively being challenged in court, and the outcome is still undetermined, the reporting of this account is not only premature it is legally and factually inaccurate. 

You are reporting this account as if its valid and resolved, when in reality, its status is far from settled. I am currently pursuing legal action regarding this account, and until that process is concluded, you can not truthfully or accurately report this information without misrepresenting my credit history. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to report information that is accurate, complete, and not misleading. Reporting a disputed account as factually correct while litigation is still pending is a violation of that responsibility. The presence of this account on my report creates a false and damaging impression of my financial standing and must be corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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: Experian Information Solutions Inc.
State: TX

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 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 2025-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
On XX/XX/, 2025, I initiated a XXXX  wire transfer of {$1200.00} from my Citi Bank XXXX XXXX XXXX account to my XXXX XXXX XXXX. The funds were debited from my Citi account, but never appeared in my XXXX account. 

I contacted XXXX wire department, and they confirmed that they did not receive the wire. I then contacted Citi Banks wire department, who initially told me the wire was processed successfully. At my request, a wire trace was opened to locate or return the funds. 

On XX/XX/2025, I called Citi for an update. I was informed that on XX/XX/XXXX, Citi requested XXXX XXXX XXXX ( the receiving/clearing bank ) to refund the full amount of {$1200.00}, since the wire had been rejected. I was told the refund should take 34 business days. 

However, as of XX/XX/XXXX, 2025one month after the transferI still have not received my money back. When I called Citi again, they told me XXXX XXXX XXXX had not yet returned the funds. Each time I call, I am given inconsistent or unclear information, and no concrete timeline for resolution. 

It has now been nearly a month with no refund, and my funds remain in limbo. I am requesting the CFPBs assistance in having Citi Bank resolve this issue and credit my account with the missing {$1200.00} as soon as possible.

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 2025-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Midwest Fidelity Services, LLC
State: FL

Complaint narrative:
In approximately XXXX or XX/XX/year>, I contracted services from XXXX XXXX XXXX for vehicle transportation. They initially charged me {$140.00} USD, which I considered unjustified due to issues with the service provided. Before initiating a dispute, I contacted a XXXX XXXX to seek advice on the process. The agent assured me that by changing my card details, any issues related to an additional {$200.00} USD charge for initiating the dispute would be resolved in my favor and would not cause further problems. 
Relying on this advice, I changed my card details and then initiated the dispute with XXXX XXXX for the {$140.00} USD XX/XX/year> ]. However, the dispute was unsuccessful, and XXXX XXXX XXXX collected the {$140.00} USD. Subsequently, XX/XX/year>, XXXX, I received an email from Midwest Fidelity Services LLC, a debt collection company acting on behalf of XXXX XXXX XXXX, demanding payment of {$200.00} USD, apparently as a penalty for the failed dispute. Additionally, Midwest Fidelity Services LLC has been calling me before XXXX XXXX XXXX despite my being on duty with my command, which violates fair debt collection practices. 
I believe the lack of warning from the XXXX XXXX agent about the risk of collections or penalties, combined with the failed dispute, has placed me in a situation where I could face a negative impact on my credit. I have attempted to resolve this by contacting XXXX XXXX, but I have not received a satisfactory solution. I request the CFPB 's intervention to investigate XXXX  XXXX 's conduct for providing inadequate advice and XXXX XXXX XXXXMidwest Fidelity Services LLC for imposing an unjustified additional charge and making calls before XXXX AM while I am on duty. I seek protection from any negative reporting to my credit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT  XXXX XXXX XXXX XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX, XXXX, PA XXXX Account number : XXXX To whom it may concern, I am writing about my account referenced above. I have been a customer since XXXX and have worked to keep my account in good standing. Due to an unexpected motherhood hardship job loss, family crisis in XXXX, I fell behind and fall behind payments starting XX/XX/XXXX. 
I understand the late payment is accurate, but I respectfully request a goodwill adjustment : please consider removing the late payment remark from my account reporting with the credit bureaus or removing the account. This change would greatly help me as I work to rebuild my credit after that difficult period. 
Thank you for your consideration. I appreciate your help and the account history we have had. If you need any additional information, please contact me at. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT 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 non-monetary relief
Consumer complaint received 2025-09-01 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: OH

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 explanation
Consumer complaint received 2025-09-01 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: NY

Complaint narrative:
I am writing to formally dispute inaccurate personal information that is currently appearing on my credit reports with Equifax, Experian, and TransUnion. I am requesting a thorough investigation and the immediate removal of the incorrect information detailed below. 

The following personal information is inaccurate and not associated with me : Incorrect Name : The name " XXXX XXXX XXXX is listed as an alias or " Also Known As. '' This is an incorrect name, and it should be removed from all my credit files. 

Incorrect Previous Address : The address " XXXX XXXX XXXX XXXX XXXX, AZ XXXX '' is listed as a previous address. I have never resided at or used this address, and it should be removed. 

Incorrect Previous Address : The address " XXXX XXXXXXXX XXXX XXXX  XXXX, NY XXXX '' is listed as a previous address. I have never resided at or used this address, and it should be removed. 

The presence of this inaccurate information is a violation of the Fair Credit Reporting Act ( FCRA ) and may be negatively impacting my credit report. I have already contacted the credit bureaus directly, but the information has not been corrected. 

I kindly request that you take action to investigate this matter and compel the credit bureaus to remove this false information from my credit file immediately. I have attached copies of my driver 's license, social security card, and recent utility bill to verify my true identity and current address. 

Thank you for your time and attention to this important matter. I look forward to your prompt response and a swift resolution.

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