vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/year>2025 I received 2 deposits for my 2 recipients that I provide caretaker services for. Chime took out XXXX before posting the remaining amount to my available money. There is a section in the mobile app called XXXX where you can do small " payday advances '', then your next direct deposit pays it back. Except in this case, the system took the money, but didn't update XXXX to shower at a XXXX balance. 2 weeks later, I got my next direct deposits and again the system took XXXX and didn't update XXXX. XXXX weeks later on XX/XX/XXXX, I got direct deposits and AGAIN the system took out XXXX with no update to XXXX. Tonight I'm supposed to get my direct deposits and I'm sure the system will again take another XXXX with no update to XXXX. This will total 4 times they have taken XXXX to pay back one payday loan of XXXX. I have contacted the company twice today. The first time, someone said they could see the issue and it would be worked on, .he asked me to hold and after 2 minutes, he hung up on me. I made another outreach via mobile app and requested a call and the supervisor said " i see nothing wrong with your account ''. This brings me to my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I disputed the charges on my card since the vendor did not install the parts as promised in the work order. 

Credit card company : Citi Dispute case number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Performance for vehicle inspection and service. Paid {$2700.00} for parts and service. 

XX/XX/XXXX Dropped the vehicle for replacement of parts. 

XX/XX/XXXX Picked the vehicle after replacement of parts. 

After taking the vehicle for alignment, learned that new parts were not installed. 

XX/XX/XXXX Contacted the vendor asking the details of the work done. 

XX/XX/XXXX Registered dispute with Citi. Case number XXXX. 

XX/XX/XXXX Dispute opened. 

XX/XX/XXXX Acknowledgement received from Citi. 

XX/XX/XXXX Dispute resolved without asking for any information. 

XX/XX/XXXX Contacted Citi and requested to open the case. 

XX/XX/XXXX Response received asking for more information. 

XX/XX/XXXX Replied with all the information including photographic evidence proving the parts were not replaced. The evidence has been provided after thorough inspection by a certified mechanic from a reputed repair shop. 

XX/XX/XXXX Contacted Citi and learnt that the emails go to a general mailbox and I need to mention the case number in the subject line. I forwarded all the information again with the suggested subject line. 

XX/XX/XXXX Received a response that the case was closed without providing a justification. 


I believe Citi is not supporting me as a customer. They are not doing thorough investigation on time and in a proper manner. They are not delivering the services to the customer for which they are responsible.

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 2025-05-19 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: NJ

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND XXXX  XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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 AND XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I had requested information when I close the account in person or over the phone with evidence, because the information reported in my credit report its inaccurate like stolen identity. Its been reported that I request to close the account in fact was XXXX XXXX XXXXk that close the account. 

at the bottom its the letter of the response on the one they request more time again, and again and the next day closing the claim or the ticket of this complaint.

I will be forwarding all documentations to the department of justice office of civil rights.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I had requested information when I close the account in person or over the phone with evidence, because the information reported in my credit report its inaccurate like stolen identity. Its been reported that I request to close the account in fact was XXXX XXXX bank that close the account. 

at the bottom its the letter of the response on the one they request more time again, and again and the next day closing the claim or the ticket of this complaint.

I will be forwarding all documentations to the department of justice office of civil rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XX/XX/year> To : EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX RE : Dispute of Unverified Information- Account & Account Number This letter is to Formally dispute the following account listed on my credit report. 

XXXX Bank Account Number : XXXX I am disputing the validity and accuracy of this account because I have not received any debt validation notice from the Credit or collection agency responsible for this account. The fair debt collection, practices act, FDCPA, requires them to provide written validation of the debt within five days of me requesting it ( 12 CFR 1006 .34 ( b ) ( 5 ) ). Since I havent received such validation, I can not verify the legitimacy of this debt.

Request for verification and deletion : Therefore, I am requesting that you initiate a full investigation into the account and demand verification from the creditor or collection agency listed in my report.

This verification should include : The original credit of the debt, if applicable The amount of the debt The date the debt was incurred.

Proof that I am legally obligated to repay this debt.

If the credit or collection agency can not provide valid verification, and validation, within 30 days of my inquiry, I demand that you completely delete this account from my credit report.

Credit reporting obligation : The Fair Credit Report FCRA 15 USC 1681 requires you to ensure the accuracy and fairness of the information on consumers credit reports. By not receiving proper debt validation, this account remains unverified and potentially inaccurate.

Thank you for your prompt attention to this matter. Please investigate this dispute thoroughly and provide a written response within 30 days of receipt of this letter.

The response should include : Details of the investigation, conducted regarding verification with the creditor or collection agency. A revised credit report, reflecting any changes made based on this dispute. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello, I have been dealing with TransUnion, Equifax, Experian for about 6 months trying to understand how an old loan that was marked as paid and closed nearly 10 years ago has reappeared on my credit report. After repeated appeals, all they say is that they have verified with the lender that the information is valid but do not provide any proof on what the information was. 

I have also reached out directly to the current lender XXXX XXXX who is servicing the loan for XXXX XXXX XXXX XXXX, who can only show that I have co-signed the loan in XXXX which I am not disputing. But they fail to respond on who and why someone made payments to the amount of {$52000.00} split as {$4300.00} principal and {$48000.00} to the account on XX/XX/XXXX. 

Before this date there was nothing regarding this account on my credit report. With this XXXX XXXX XXXX has showed that this account has been in good standing and making payments for the past XXXX years, which is not at all true. 

This is a classic example of re-aging of the loan with false payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello, I have been dealing with TransUnion, Equifax, Experian for about 6 months trying to understand how an old loan that was marked as paid and closed nearly 10 years ago has reappeared on my credit report. After repeated appeals, all they say is that they have verified with the lender that the information is valid but do not provide any proof on what the information was. 

I have also reached out directly to the current lender XXXX XXXX who is servicing the loan for XXXX XXXX XXXX XXXX, who can only show that I have co-signed the loan in XXXX which I am not disputing. But they fail to respond on who and why someone made payments to the amount of {$52000.00} split as {$4300.00} principal and {$48000.00} to the account on XX/XX/XXXX. 

Before this date there was nothing regarding this account on my credit report. With this XXXX XXXX XXXX has showed that this account has been in good standing and making payments for the past XXXX years, which is not at all true. 

This is a classic example of re-aging of the loan with false payment 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 2025-05-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I have cosigned a private student loan for a distant relative ( XXXX XXXX ) in XXXX with XXXXXXXX XXXX. The loan was later sold to XXXX Student Loans. 

The borrower has been making payments as much as she can after she has graduated. 

Somewhere around XXXX the loan fell off my credit report and was reported in good standing and paid off, so I assumed all is well and never looked back on it. 

With no notice I got an alert from my credit reporting companies that a loan has appeared on my account and later found in my junk email that XXXX has sold the loan to XXXX XXXX XXXX XXXX  who was going to use XXXX XXXX  as their loan processor/servicer. I pulled up my credit reports and to my shock it showed that we have been making payments to the loan for the past 24 months and it was in good standing. 

It took a while to reach out to my relative and have her pull down as much info as she can, she then told me she hasn't been making any payments since XXXX as she had to leave to XXXX as her family situation ( health issues ) has gone bad, she has continued to make payments from XXXX even when she had no job and no means of income as she knew it was her responsibility to pay back the loan. 

Upon downloading all the docs we could from XXXX we found that XXXX student loans made fraudulent transactions to the account by showing someone made a payment of {$52000.00} to the loan on XX/XX/XXXX to show it as current and good standing before they sold to XXXX XXXX. From XXXX they started reporting the account as past due and delinquent and I also started receiving daily phone calls, sometimes multiple times from XXXX XXXX XXXX who is the loan processor for XXXX XXXX I have written to XXXX XXXX many many times to get the real docs and they kept stalling and wanted me to send confidential information like SSN, DOB etc over plain email which I refused and sent them via XXXX. 

They finally sent the docs back to me in XXXX to show the promissory note signed to XXXX and the payment statements which confirm the large payment listed above, but they can not say who and why that payment was made.

This is a classic example of re aging the debt and fraud reporting.

I have reached to the 3 credit bureaus to seek validity of debt and haven't got any useful info except that they verified with XXXX that it was valid, but they would not provide the same docs to me. 

I have also filed complaints via CFPB against the 3 credit bureaus ( XXXX XXXX XXXX  ) whose reference numbers are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: FL

Complaint narrative:
Upon conducting a recent and thorough review of my credit report, I identified multiple entries that are factually inaccurate and do not reflect my true credit history. As such, I am formally demanding immediate correction in accordance with the Fair Credit Reporting Act ( FCRA ). 
Under 15 U.S. Code 1681e ( b ), consumer reporting agencies are legally required to follow reasonable procedures to assure maximum possible accuracy of the information they report. Your failure to do so constitutes a direct violation of federal law.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; Furthermore, pursuant to 15 U.S. Code 1681i ( a ) ( 5 ), if any disputed information is found to be inaccurate, incomplete, or unverifiable during a reinvestigation, the reporting agency must promptly delete or modify that item and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX {$300.00} acct # XXXX XXXX XXXX Current {$1200.00} acct # XXXX XX/XX/year> XXXX {$4000.00} acct # XXXX XXXXXXXX XXXX XXXX XXXX$1000.00} 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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: WI

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$580.00} XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$230.00} UNKNOWN # XXXX XX/XX/XXXX -- {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental and to my life and credit health.

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 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental and to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX GA XXXXnDate: XXXX XXXXTransUnion Consumer Solutions\nXXXX XXXX XXXX  PA XXXXSubject: Formal Credit Reporting Dispute  XXXX XXXX  (Account #XXXX XXXX XXXXnUnder 15 U.S.C.  1681i(a)(5)(A)\n\nDear TransUnion,\nI am writing to dispute the accuracy and completeness of the information reported on my TransUnion credit file in connection with the above-referenced XXXX XXXX account. This dispute is made pursuant to my rights under the Fair Credit Reporting Act (FCRA), specifically 15 U.S.C.  1681i(a)(5)(A), which requires the deletion or correction of any inaccurate, incomplete, or unverifiable information.\nTo resolve this matter, I request that TransUnion initiate a reinvestigation of this account and require XXXX XXXX  to provide the following:\n1.\tA copy of the original credit agreement/contract bearing my wet signature. This is necessary to verify that I legally authorized the account under question.\n2.\tA copy of IRS Form 1099-C, if XXXX XXXX  has discharged or written off this debt and claimed it as a loss on its profit and loss statements. If such a form has been filed, continued negative reporting may be inaccurate and misleading under FCRA guidelines.\nIf the information provided by the data furnisher is unverifiable or incomplete, I request that this account be removed from my credit file in compliance with 15 U.S.C.  1681i(a)(5)(A).\nEnclosed are:\n\tA photocopy of my government-issued ID\n\tProof of current mailing address (e.g., utility bill or lease)\n\tA copy of the credit report with the disputed account highlighted\nPlease respond with the results of your reinvestigation and any updated reporting within the 30-day time frame mandated by federal law.\n\nSincerelyXXXX 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 2025-05-19 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:
I recently reviewed my credit report and noticed several accounts that I did not open or authorize. These accounts appear to be fraudulent and are negatively affecting my credit score. 

I respectfully request that these accounts be investigated and immediately removed from my credit report. Please consider this a formal dispute under the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: NJ

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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