vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 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: MA

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 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: AZ

Complaint narrative:
.Between XXXX XXXX XXXX, I attempted to dispute several unauthorized transactions totaling approximately {$2600.00}. During this process, multiple representatives mishandled my disputes, provided false information, and refused to give proper documentation. 

On XX/XX/year>, an agent named XXXX told me he filed my dispute, but the next day I learned the dispute had never been submitted. I called again on XX/XX/year>, requesting written confirmation of my dispute. I was repeatedly denied this. 

I was transferred to a supervisor named XXXX, who was incapable of confirming that my dispute was properly filed. She gave me a false reference number ( XXXX ) and hung up when I asked for an escalation. 

Another representative incorrectly told me I would not qualify for a provisional credit because the dispute was too old, even though XXXX recent disputes were confirmed as eligible. 

A supervisor named XXXX also hung up during my call, after another agent stated I would not get a provisional credit. Throughout these calls, I received conflicting and inaccurate information, false reference numbers, and no documentation confirming that my disputes were in the system. 

Importantly, XXXX of the disputed transactions occurred while I was incarcerated. I provided documentation proving my incarceration, which prevented me from disputing the transaction at the time. Despite this, the bank refused to provide a provisional credit, citing the disputes age, even though the delay was caused by circumstances beyond my control and the banks mishandling of the original dispute process. 

I have recordings and screenshots documenting each instance of agent and supervisor misconduct. The repeated refusal to provide accurate information, escalation, or documentation shows a clear pattern of negligence and mishandling of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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 2025-11-14 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: MS

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
Account Name Account Number SERVICE XXXX ABILITY RECOVERY Balance Balance Updated Recent Payment {$1400.00} XX/XX/XXXX Account Type Collection Monthly Payment Responsibility Individual Original Balance {$1400.00} Date Opened XX/XX/XXXX Highest Balance Status Status Updated Collection account. 
XX/XX/XXXX. 
XX/XX/XXXX {$1400.00} past due as of Terms On Record Until 1 Month XX/XX/XXXXXXXX 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 2025-11-14 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: AZ

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: NJ

Complaint narrative:
Please the attachment below. 

Date : XX/XX/year> Subject : Authorization to Act on Behalf of XXXX XXXX TO WHOM IT MAY CONCERN : This letter serves as a formal declaration. I, the undersigned Principal, XXXX XXXX, residing at XXXX XXXX XXXX, and contactable at XXXX and XXXX, hereby XXXX authorization to all reporting bureaus ( XXXX TRANSUNION, XXXX  ) Signature of Principal XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Please the attachment below. 

Date : XX/XX/year> Subject : Authorization to Act on Behalf of XXXX XXXX TO WHOM IT MAY CONCERN : This letter serves as a formal declaration. I, the undersigned Principal, XXXX XXXX, residing at XXXX XXXX XXXX, and contactable at XXXX and XXXX, hereby XXXX authorization to all reporting bureaus ( XXXX TRANSUNION, XXXX  ) Signature of Principal XXXX XXXX XXXXXXXX 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 2025-11-14 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: FL

Complaint narrative:
Check my report, didnt not approve of this, do not recognize. please remove.

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 2025-11-14 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:
Check my report, didnt not approve of this, do not recognize. please remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
The issue is with my account in Citibank. I constantly had my account locked and had to call them to gain access. This time I tried to use it at a casino atm and after using it they blocked my account right away. Now my account is closed and my funds are locked. I tried calling and getting answers but they keep sending me in circles. Today I was told that my account has been closed and that my funds will be released and sent in XXXX days. I dont have a job and need access to those funds very urgently.

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 2025-11-14 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-14 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 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 2025-11-14 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: KY

Complaint narrative:
This complaint concerns an account originally held by XXXX XXXX XXXX ( Account XXXX XXXXXXXX ), which was reported as charged off and sold on XX/XX/XXXX for a balance of {$690.00}. According to my credit file, this account was transferred to XXXX XXXX XXXX XXXX, who is now attempting to collect a different amount ( {$330.00} ) without providing any documentation, validation, or lawful notice of assignment. 

I was never notified by XXXX XXXX XXXX that the debt was being sold, transferred, or assigned, nor did I authorize my personal information to be shared with XXXX XXXX XXXX or any third party. This raises significant concerns regarding improper data handling and noncompliance with disclosure requirements. 

XXXX XXXX XXXX has contacted me repeatedly regarding this alleged debt. I have instructed them XXXX separate times, most recently on XX/XX/XXXX, to stop contacting me, as permitted by 15 U.S.C. 1692c ( c ) under the Fair Debt Collection Practices Act ( FDCPA ). Despite these written and verbal cease-and-desist requests, XXXX XXXX XXXX continues to contact me almost daily, which is a clear violation of 15 U.S.C. 1692c ( c ) and constitutes harassment. 

Additionally, the way this account is being reported to the credit bureaus is inaccurate and misleading. XXXX XXXX is reporting the account as a charge-off/sold, while XXXX XXXX XXXX is reporting a different balance, status, and information. This constitutes false or misleading representation of the character, amount, and legal status of the debt, which is prohibited under 15 U.S.C. 1692e ( 2 ). 

This inconsistent and double reporting has caused damage to my credit, harmed my ability to obtain loans and credit, and created confusion about who actually owns the debt and whether the reporting is lawful. 



I have contacted the credit bureaus multiple times to have these accounts rectified and they continue to ignore the blatant violations of the USC Codes that are outlined above in my complaint. I have gone through the dispute process with them multiple times and they always return with the same statement of, " meets the FCRA standards/requirements. ''

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 2025-11-14 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: NC

Complaint narrative:
XXXX XXXX is currently reporting inaccurate and impossible payment information on my closed credit card account. According to the credit bureaus, the account was closed by XXXX XXXX on XX/XX/XXXX, and was later charged off in XXXX. However, XXXX XXXX is reporting late payments and derogatory statuses for XXXX, XXXX, and XXXX, which is factually incorrect and should not be occurring long after the account was closed, with no further activity possible. A closed and charged-off account can not continue to generate new late payments or new XXXX delinquency statuses. This reporting is factually incorrect and violates : FCRA 607 ( b ) information must be reported with maximum possible accuracy FCRA 623 ( a ) ( 1 ) furnishers may not report information they know or should know is inaccurate FCRA 623 ( a ) ( 2 ) furnishers must correct and update incorrect or incomplete information My dispute through the credit bureaus was met with XXXX XXXX 's verification of the inaccurate reporting, without any correction. The payment history they are furnishing not only contradicts the closure date and includes delinquencies after charge-off, but also displays inconsistent remarks across bureaus, further adding to the confusion and inaccuracy. Because these errors are impossible and harmful to my credit, I am requesting CFPB assistance to require XXXX XXXX to either ( XXXX ) remove the inaccurate payment history or ( XXXX ) delete the entire account if accurate records can not be verified.

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 2025-11-14 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: NC

Complaint narrative:
XXXX XXXX is currently reporting inaccurate and impossible payment information on my closed credit card account. According to the credit bureaus, the account was closed by XXXX XXXX on XX/XX/XXXX, and was later charged off in XXXX. However, XXXX XXXX is reporting late payments and derogatory statuses for XXXX, XXXX, and XXXX, which is factually incorrect and should not be occurring long after the account was closed, with no further activity possible. A closed and charged-off account can not continue to generate new late payments or new XXXX delinquency statuses. This reporting is factually incorrect and violates : FCRA 607 ( b ) information must be reported with maximum possible accuracy FCRA 623 ( a ) ( 1 ) furnishers may not report information they know or should know is inaccurate FCRA 623 ( a ) ( 2 ) furnishers must correct and update incorrect or incomplete information My dispute through the credit bureaus was met with XXXX XXXX 's verification of the inaccurate reporting, without any correction. The payment history they are furnishing not only contradicts the closure date and includes delinquencies after charge-off, but also displays inconsistent remarks across bureaus, further adding to the confusion and inaccuracy. Because these errors are impossible and harmful to my credit, I am requesting CFPB assistance to require XXXX XXXX to either ( XXXX ) remove the inaccurate payment history or ( XXXX ) delete the entire account if accurate records can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: WA

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: TX

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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