vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My self and my XXXX teens had been unable to use our XXXX  accounts. I tried the chatbox with no help I called and the automated operator said to find an email sent by XXXX  and follow directions in email. There was no email so I tried calling again no answer so I tried live chat no answer tried phone number again pushed random button until I was connected to a live agent. Said there was a 50 minute wait left my number for a call back. Well PayPal called back instead of XXXX  and of course they couldnt help. So now I have money in all XXXX XXXX  accounts that are frozen and no one to help me figure out how or why it is frozen

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: AL

Complaint narrative:
When I went to bed on Friday ( XXXX ) I had {$70.00} available in my my pay to access that I was keeping in there temporarily for emergency basis. When I woke up Saturday morning ( XXXX ) that {$70.00} had disappeared with no knowledge of what happened to it, no transactions made by me, and no notice given to me about any actions taken to my account. I have called Chime off and on for 4 days now being given answers that cant be given a straight set response ranging from the {$70.00} is generating in the system to be available to you to your balance is {$0.00} and that {$70.00} expired and will not be available to you anymore until you get another direct deposit to as far as today being told by a Chime representative that that {$70.00} was not yours even though it went into a checking account in my name with my social security number attached to it and into the my pay feature in that same exact account with my name and social security number attached to it from a paycheck direct deposited from my most recent employer XXXX XXXX XXXX from a paycheck with my name and social security number attached to it. I had a limit of {$300.00} to access in my pay with Chime and as shown in the screenshot I have only used {$230.00} which shows I should have still had that {$70.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: WI

Complaint narrative:
Let me reiterate that this complaint is entirely legitimate and requires immediate attention. My credit report contains inaccurate information that does not meet the required standard of maximum possible accuracy. 
These errors are causing serious and ongoing negative impacts on my life. I insist that these inaccuracies be thoroughly investigated and either corrected or removed without delay.

Resolving this issue is not merely necessary it is critical.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Dear XXXX, I am writing to dispute several items on my credit report. Below, I have outlined the accounts in dispute, separated by each credit bureau Equifax, These accounts are being disputed due to inaccuracies, and I respectfully request that these items be reviewed and corrected according to the Fair Credit Reporting Act ( FCRA ). 

CHARGED OFF XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$97.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$510.00} INQUIRIES XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: LEXISNEXIS
State: MI

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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi Bank has repeatedly called me up to 3 times a day over the course of the last couple months. I have a spreadsheet of dates and calls. I am working to resolve the debt but their repeated phone calls are against the law and this company needs to be compliant.

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 2025-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I was attempting to purchase park tickets from a seller online. On XX/XX/year>, I sent a {$250.00} deposit through XXXX as they instructed. After I sent the money, I did not receive any confirmation for the tickets. 
The seller then pressured me to make a second payment of {$400.00} for a hotel reservation that I did not ask for. When this payment was attempted, my bank placed it on hold. The seller repeatedly pushed me to call the bank to approve the charge, which made me suspicious. 
I asked the seller to proceed with the park tickets only, but they claimed they could not separate the tickets and hotel and insisted they must be bundled together. I then told the seller to cancel the entire arrangement since I had never received any confirmation or proof of the booking. They refused to send any confirmation or refund the {$250.00} I had already paid. Instead, they continued pressuring me to send additional money to finalize the deal. 
At this point I realized I was being scammed. I contacted my bank right away to report the fraudulent activity and ask whether the {$250.00} XXXX payment could be reversed or whether the transaction could be investigated. The bank helped filed a claim and said that it was not guaranteed that the XXXX payment could be reversed.

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 2025-12-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R.T.R. Financial Services, Inc.
State: NY

Complaint narrative:
I am being charged for a emergency transportation that the hospital requested not me. Im on a fix income I receive social security only. I have XXXX  that should cover me XXXX percent. I cant not pay that debt. Im in a fix income.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 non-monetary relief
Consumer complaint received 2025-12-01 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: Experian Information Solutions Inc.
State: MO

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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any 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 2025-12-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
with Equifax 's I submitted a cover letter, details of error on my credit report, providing credit report, utility bill, copy of ID ( DL ), last four ss, identity thief affidavit notarized. In order to dispute and to delete the creditor of, Dept of Edu wrongfully reporting late payment XXXX, XXXX, and XXXX days flag. XXXX all XXXX credit bureau. I am inquiring about Equifax. Using laws FCRA 605b & 611. Documents were sent XX/XX/XXXX, credit bureau received XX/XX/XXXX with certified mail. I need the creditor Dept of Edu late payments to be deleted from my account due to wrongfully reporting on all XXXX accounts. Account XXXX XXXX : XXXX. XXXX Amount : XXXX  XXXX XXXX. Account : XXXX Amount : XXXX. 
These all have late payments reporting a XXXX, XXXX, XXXX day late payment. 

Below is USPS Tracking Number : XXXX, XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have made several attempts to resolve these inaccuracies directly with the companies that furnished the incorrect information to your agency. I contacted each creditor and collection agency listed and spoke with the representatives assigned to my file ; however, despite explaining the errors in detail, no corrective action was taken. I was repeatedly assured that updates would be submitted to the credit reporting agencies, but those updates were never made, and the inaccurate information continues to be reported. 

In addition to these conversations, I made multiple follow-up calls to ensure the matter was being addressed. Unfortunately, many of these calls resulted in excessively long hold times, and on several occasions, the automated system disconnected my call before I could reach a representative. These repeated attempts demonstrate my good-faith effort to resolve the matter directly with the data furnishers, yet the inaccuracies remain uncorrected. For these reasons, I am now formally requesting your assistance under the Fair Credit Reporting Act to investigate and remove all unverified or inaccurate information from my credit file.

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 2025-12-01 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies on my credit report. These items are either entirely unverifiable, reported in error, or are unauthorized inquiries. This complaint is submitted under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. I demand that each disputed item be fully investigated, corrected, or deleted as required by law. 
Addresses Disputed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This address is incorrect. It XXXX have been mistakenly associated with my file. I dispute this as false and request removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have no connection to this address. Including this harms my credit history. Immediate deletion is requested. 

Accounts Disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance Owed : {$0.00} Charge-off I have no knowledge of this account. The charge-off status is false. There are no records or notices sent to me regarding this account. Under FCRA, unverified information must be removed. I request deletion and proof of verification. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$880.00} XXXX This account is inaccurately reported as charged-off. I have consistently paid all my obligations, and I never received any notice of late payments or default. The reporting is therefore inaccurate. Please verify the account and correct or delete immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance Owed : {$61.00} Collection I dispute this debt because I have no record of entering into any contract with this creditor. The collection is unverified and inaccurate. FDCPA requires validation before reporting ; until verified, this must be removed. 
XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance Owed : {$1500.00} Collection I dispute this account as I have no knowledge of it. Any reporting of this account is inaccurate and harms my credit history. Immediate investigation and deletion requested. 
Inquiries Disputed : XXXX XXXXXX/XX/XXXX Unauthorized inquiry ; remove from report. 
XXXX XX/XX/XXXX I did not authorize this inquiry ; delete immediately. 
XXXX XX/XX/XXXX This inquiry was not initiated or approved by me. Remove from credit file. 
I request that each disputed item be fully investigated with all involved parties. If verification can not be provided, each item must be deleted in accordance with FCRA. I also request written confirmation of the investigation results. 
Supporting Documents Attached : Proof of current and previous addresses, identification, and utility bills verifying residence history. 
Thank you for your prompt attention to these matters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Formal Dispute of Inaccurate Late Payment Reporting Violations of FCRA & XXXX XXXX : U.S. Department of Education XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Dear Credit Bureau , I am writing to formally dispute an inaccurate and unlawful XXXX late payment being reported on my credit file for the above-referenced federal student loan account. Your reporting shows a XXXX late payment for XX/XX/XXXX, even though this loan is in a legally authorized deferment, during which no payment was due or required. Your report currently states : Status : Open Deferred ( payments begin XX/XX/XXXX ) Monthly Payment : {$0.00} Status Updated : XX/XX/XXXX Last Payment : XX/XX/XXXX ( current ) Balance : {$6300.00} Because this loan is in authorized deferment, a late payment is legally impossible and therefore can not be accurately reported. VIOLATIONS OF FEDERAL LAW 1. FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) A furnisher may not report information that it knows or should know is inaccurate. Reporting a late payment when the account was in deferment violates this requirement. 2. FCRA 15 U.S.C. 1681e ( b ) Credit bureaus must maintain maximum possible accuracy. A 90-day late during a no-payment-due period is objectively inaccurate. 3. Higher Education Act 20 U.S.C. 1080a Federal student loan servicers are prohibited from reporting adverse information during authorized deferment or forbearance periods. The late mark violates federal student loan reporting standards. 4. FCRA 15 U.S.C. 1681i Under my right to reinvestigation, I demand a full reinvestigation. If the furnisher can not provide valid documentation showing a payment was dueand it was notthe derogatory mark must be removed. ACTION REQUESTED I request the following actions be taken immediately : Remove the inaccurate XXXX late payment reporting for XX/XX/XXXX. Correct and update the account to properly reflect active deferment status. Provide the name, address, and documentation used to verify this late payment, including any records showing a payment was due during deferment. If the inaccurate reporting is not corrected, I will proceed with formal complaints to : Consumer Financial Protection Bureau ( CFPB ) U.S. Department of Education Federal Student Aid ( FSA ) Ombudsman Group Any other appropriate oversight entities This erroneous reporting significantly impacts my creditworthiness and violates clearly established federal law. Sincerely, XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX Attachments : Copy of Government-Issued ID

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 2025-12-01 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:
I am disputing the following items on my TransUnion credit report : Charged-Off Accounts TU : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XXXX Balance : {$880.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX Balance : {$14000.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX Balance : {$1100.00} XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XXXX Balance : {$7300.00} XXXXXXXX XXXX Account Number : XXXX Date Opened : XXXX Balance : {$0.00} Inquiries TU : XXXX XXXX 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 explanation
Consumer complaint received 2025-12-01 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with explanation