vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: OH

Complaint narrative:
On XX/XX/XXXX my digital wallet was hacked and there was money stolen out of both my accounts in my XXXX XXXX. I disputed the transactions through both of my financial institutions and took security measures to protect the account from further fraud and chime denied my claim. I reached out to them they told me to provide proof of my dispute with my other financial institution I uploaded the documents and my claim was still denied. I reached out to chime again to see why and they informed me they never received my documents I sent then reopened my claim and told me to send the documents again. I did that and claim still denied. I reached out again they basically said I cant open the dispute back up cause its been open 3 times not cause of errors on my part but theres. I just want my money back and I still dont have a dispute. There was a supervisor XXXX who was very rude to me and she needs to be trained in dealing with escalated issues.

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

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-11-11 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: Fidelity National Information Services, Inc. (FNIS)
State: IN

Complaint narrative:
I reviewed my ChexSystems Consumer Report and identified areas for dispute. I was very upset upon discovering these fraudulent accounts, unauthorized transactions and inaccurate information ; thus, I demand that it be resolved in a fair andequitable manner that it be investigated and, if necessary, be corrected or removed.

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 2025-11-11 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: SC

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an installment loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card opened at XXXX under account XXXX opened on XX/XX/XXXX, a credit card opened at XXXX under account XXXX on XX/XX/XXXX, a credit card opened by XXXX  under account XXXX XXXX XX/XX/XXXX, A credit card opened at XXXX under account XXXX on XX/XX/XXXX, a personal loan opened at XXXX XXXX XXXX XXXX  under account XXXX on XX/XX/XXXX, a credit card opened at XXXX XXXX XXXX XXXX under account XXXX XXXX XX/XX/XXXX, a credit card opened at XXXX XXXX under account number XXXX XXXX XX/XX/XXXX and a credit card opened at XXXX under account XXXX on XX/XX/XXXX. 

These accounts have resulted in several fraudulent collections appearing on my consumer TransUnion credit report. I have attached a copy of the consumer TransUnion credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of a sworn Identity Theft affadavit as proof from that all of the aforementioned consumer credit accounts are the 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 non-monetary relief
Consumer complaint received 2025-11-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Purchased an open box computer from XXXX XXXX on XX/XX/2XXXX XXXX a couple of days later the price went down so i went back to XXXX XXXX and they said since it was a flash sale they couldnt honor the price drop since it only lasted a few hours and they didnt see it. so i used my capital one quicksilver purchase protection from XXXX.and submitted a price protection claim for the lower price. the last day of the 15 day return policy i contacted XXXX  claims and asked if my claim was being approved or not XXXX  they told me on the phone that my claim was approved to pay out XXXX from the initial XXXX after taxes which brings the cost down to the advertised price of XXXX i received the email from them with the same payout info and waited a couple of days and i noticed a payout of only XXXXXXXX XXXX  i contacted mastercard claims they said they made a mistake because im only covered up to XXXX in price adjustment. this is unacceptable because it is creating a loss for me and false expectations. i then contacted capital one and they issued a " price adjustment '' for the amount of XXXX which was the balance of the claim. they didnt tell me they opened up a dispute with XXXX XXXX instead. a few days later the computer became defective so i told capital one to dispute the charge for the full amount of the computer .i sent them documentation. and then they told me i was missing some kind of documentation from the store that i made an attempt to return the item. the store will not give that because it gives the customer a higher chance of getting their money back thru the credit card. now im stuck in both ways here and i need this resolved one way or the other.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

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

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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 am submitting this complaint to request a full investigation into the accuracy and validity of several items currently being reported on my credit reports. I believe some accounts are being reported inaccurately or should no longer appear, and I am requesting each credit bureau to verify, correct, or remove the disputed information in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Account Creditor : XXXX XXXX Account Number ( partial ) : XXXX Date : XX/XX/XXXXXXXX  Balance : {$53.00} Dispute Reason : This account is over ten years old and should have been purged from my credit file in accordance with FCRA 605 ( a ), which limits reporting of negative accounts to seven years. Please remove this outdated account immediately. 

Late Payments Please investigate and verify the accuracy of the following late payment notations. 
If these accounts were reported in error, or if the creditors failed to report updates or payment arrangements accurately, I request prompt correction or deletion. 

Creditor Date Reported Issue XXXX XXXX XX/XX/XXXX Late payment reported ; verify accuracy. 
XXXX XXXX XX/XX/XXXX Late payment reported ; verify accuracy. 
XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late payment reported ; verify accuracy. 
XXXX XXXX XX/XX/XXXX Late payment reported ; verify accuracy. 
XXXX XXXX XX/XX/XXXX Late payment reported ; verify accuracy. 
XXXX XXXX XX/XX/XXXX Late payment reported ; verify accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late payment reported ; verify accuracy. 
XXXXXXXX XXXX XXXX Late payment reported ; verify accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate information regarding certain accounts that have been reported to the credit bureaus. Below are the accounts I believe to be incorrect, and I am requesting your assistance in investigating and correcting them. 
Charged-Off Accounts : Bankruptcy Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$0.00} TransUnion ( TU ) XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX Date Opened : XX/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 non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Sunbit, Inc.
State: FL

Complaint narrative:
In XX/XX/year>, I submitted an unauthorized activity claim to Sunbit regarding charges that I did not authorize. Sunbit acknowledged receipt of my claim but has failed to provide any updates or resolution. Despite multiple follow-ups by phone and email, I have not received a provisional credit, a written claim determination, or required updates within the regulatory timeframes. 

When I contacted Sunbit for a status update, representatives stated that another company was handling my claim. No name, contact information, claim number, or written documentation was provided. This creates confusion about who is responsible for resolving my dispute and prevents me from exercising my rights. 

It has been more than 90 days since I filed the claim. Sunbit continues to withhold information regarding my case and has not resolved or credited the unauthorized transaction. Their lack of response appears to violate federal requirements under Regulation Z ( for credit transactions ) and/or Regulation E ( if any portion of the transaction was processed as an electronic transfer ).

I am asking CFPB to review this matter due to Sunbits failure to : Properly investigate the unauthorized activity claim Provide required written notices or status updates Issue a timely determination or provisional credit I have supporting records including : Claim submission confirmation from Sunbit Dates and names of representatives I spoke to Documentation showing no update or credit provided

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I reviewed my ChexSystems Consumer Report and identified areas for dispute. I was very upset upon discovering these fraudulent accounts, unauthorized transactions and inaccurate information ; thus, I demand that it be resolved in a fair andequitable manner that it be investigated and, if necessary, be corrected or removed.

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am disputing with a creditor the amount of a credit card owned. Experian has not considered the investigation outcome and it is having a negative response on my credit report. Ive notified them and have not gotten any response in over 30 days. Ive submitted several disputes.

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 2025-11-11 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:
I am submitting a dispute to TransUnion concerning the accounts listed below. Please investigate these charged-off accounts, inquiries, and late payments and update my credit file in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts 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

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 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: FL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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:
My consumer file contains multiple accounts, inquiries, and records that are inaccurate, outdated, or unverifiable in violation of FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ). These inaccuracies have caused significant harm to my creditworthiness and its really frustrating.

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute and correct the inaccurate personal information appearing on my credit report, specifically the previous addresses that do not belong to me. These errors are causing unnecessary complications and delays in my credit applications, which has been extremely frustrating and stressful to deal with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: AR

Complaint narrative:
I have received communications regarding this debt ( or it has appeared on my credit report ), but I have not been provided with sufficient documentation to verify the debt. This includes the original amount owed, proof of the original creditor, and evidence that American Express has the legal right to collect on this debt.

Company response to consumer: Closed with explanation