vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 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: GA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  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 a collections account opened at DEPT OF ED/XXXXXXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries 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 explanation
Consumer complaint received 2025-11-04 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: NJ

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 XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX # XXXX -- Balance : {$33000.00} - Date Opened : XX/XX/XXXX XXXX # XXXX -- Balance : {$85.00} - Date Opened : XX/XX/XXXX XXXX  # XXXX -- Balance : {$1100.00} - Date Opened : XX/XX/XXXX XXXX # XXXX - Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX - Date Opened : XX/XX/XXXX XXXX # XXXX -- Balance : {$1800.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX -- {$770.00} - Date Opened : XX/XX/XXXX XXXX XXXX  # XXXX -- Balance : {$760.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 explanation
Consumer complaint received 2025-11-04 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:
Dear Equifax, I am writing to dispute the following negative entries on my credit report as provided by your bureau. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you investigate and verify the following accounts. 
XXXX. XXXX XXXX XXXX Providers ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) This account is listed as a collection/chargeoff with a balance of {$2100.00}. Please provide supporting documentation to verify the accuracy of this report. 
XXXX. XXXX XXXX ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) The account shows a collection/chargeoff with a balance of {$110.00}. I ask that you provide evidence of the validity of this debt. 
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  ) This account is marked as a collection/chargeoff with a balance of {$110.00}. I request that you provide confirmation that this entry is accurate. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) The account is reported as collection/chargeoff with a balance of {$32000.00}. Please provide proof of this debt and ensure that all information reported is accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries 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 explanation
Consumer complaint received 2025-11-04 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: DISCOVER BANK
State: IL

Complaint narrative:
XXXX Additional information in regard to this claim. Discover claims that there was no fraud, in which they have not supplied anything in regard to my last reply to date. 
However, I have companies that are trying to send me refund checks to me directly because of when Discover is doing, when these companies clearly provided Discover information and gave them approval for fraud as I have been stating all along. 

I don't even know what to do with these checks because Discover is just charging everything off, and now sent to a letter stating that I am only one month behind on my payments and another that states they may file a lawsuit.

Which is it? I am going to say FRAUD 100 % and they need to pay since now the companies are siding with me and sending checks directly to me instead of supporting Discover.

What do I do now. This is ridiculous, and I need someone to make this company pay me, credit my account pack, and start following their 100 % coverage for fraud. 
Please help. This is ridiculous. 
Thank you XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: 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 XXXX and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX # XXXX -- Balance : {$20.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX  Inquiry Date : 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 explanation
Consumer complaint received 2025-11-04 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: CA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-04 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-04 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: NY

Complaint narrative:
I want my full reimbursement of {$220.00} for disputing multiple charges that i do not allow that have been denied on multiple occassions. The first situation i tried to resolve on conumerfinance for {$51.00}. The ticket has been closed unrightfully. Situation is as described. On XXXX XXXX I ordered 6 items from shake shack in XXXX NY. The company ( store ) switched my order purposely and gave me someone elses order, after I gave a tip and called back the driver immediately after opening the meal and seeing that it wasnt my order. I then tried to contact XXXX support for a reshipment of the item, a refund, XXXX credits, anything to compensate for my troubles ( order was over {$50.00} ) the order I recieved was about {$20.00}. They denied me, claiming that I abused the refund policy, but I havent used door dash in over a year. Due to this, I contacted my bank, gave them the picture of my actual order that is shown on the door dash app, the receipt of the order I recieved ( which clearly shows a difference in food, my contact information, etc ). Also gave evidence that I tried contacting door dash for hours. Chime denied my claim the first time, even though I provided clear proof that I did not recieve the order I wanted ( me and my friend who I ordered for did not even eat the food because it was a completely different order ). After chime denied the claim, I was very upset with the company I have been with for over XXXX, this is not the first time they declined a dispute of mines that I showed clear concise evidence that the merchant is basically stealing money. They re opened another dispute and with more evidence that I recieved the wrong order, they deny it again. A lot of these corporations consistently try to hide their bad product or service with aggression towards the consumer as if we are doing something wrong. If I did not receive my order, I expect a refund. This goes with every service I receive because Im paying my hard earned money on it. Now for the second situation, i paid {$170.00} on XXXX XXXX to a scooter company on XXXX  shop that has denied reimbursing me for a defective scooter that i fell off of and sustained multiple injuries from, they wanted me to ship said scooter back but i would have to pay for shipping, packaging, etc and the total to do all of this would be the price of the scooter itself. So i decline to do so and filed a dispute with my bank which also gets denied.All of the evidence I have gathered was sent to Chime Bank on multiple occassions. This is my final warning before I sue. 
And I wont be suing for {$220.00} it will be more XXXX for my troubles. If you Chime Bank decline it, then you open my grounds to sue for greater than XXXX for the months Ive been waiting and also for the injuries I have sustained and for the mental anguish it has put me through.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

Account name XXXX XXXX XXXX Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$25000.00} Account name XXXX XXXX XXXX Account number XXXX Account type Loan Date opened XX/XX/XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: SC

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-04 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name.

Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: TX

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately XXXX  XXXX | XXXX  XXXX | XXXX OF XXXX XXXX | XXXX/XXXX  XXXX | XXXX  CARD XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX  XXXX XXXX | XXXX XXXX. The following inquiries are not authorized. Please remove it from my credit report immediately XXXX AUTO XX/XX/XXXX | XXXX  IN XX/XX/XXXX | XXXX XXXX XXXX XX/XX/XXXX | XXXX XXXX XX/XX/XXXX | XXXX XXXX XXXX XX/XX/XXXX | XXXX XXXX XX/XX/XXXX | XXXX XXXXL XX/XX/XXXX | XXXX XXXX XXXX XX/XX/XXXX | XXXX XXXX XX/XX/XXXX | XXXX XXXX XXXX XX/XX/XXXX | XXXX XX/XX/XXXX | XXXX  XX/XX/XXXX | XXXX XXXX XX/XX/XXXX | XXXX XXXX XXXX XXXX XX/XX/XXXX | XXXX XX/XX/XXXX | XXXX XX/XX/XXXX | XXXX/XXXX  XX/XX/XXXX | XXXX XX/XX/XXXX | XXXX XX/XX/XXXX | XXXX XX/XX/XXXX | XXXX XX/XX/XXXX | XXXX XXXX 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 2025-11-04 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: NJ

Complaint narrative:
I filed a billing dispute with Citi ( Case XXXX ). Citi requested documentation, which I emailed on time to XXXX on multiple dates ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year> ). I have proof of delivery with attachments. 

Citi closed the dispute stating they never received my documents and now refuses to re-open the case, despite evidence that I complied with their request. This is an internal handling error on XXXX side, not customer inaction. 

Im requesting Citi review my case again and reopen the dispute under the Fair Credit Billing Act.

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 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/year> I contacted Capital One regarding my credit line decrease. This decrease in credit from {$15000.00} to {$5000.00} made my credit score decrease from XXXX to XXXX which puts me into a less favorable position to obtain better credit rates when I am in the process of build my credit. I have been a customer of Capital One for over 10 years. I make more money now and I have been on my job longer than I was when I was given this Capital One Venture card. I also have a much higher credit score now than when I applied for the card. I asked Capital One to increase the card back to {$15000.00} credit limit and I was denied. What reason would I be denied!?!?!! I make more money, have paid my other two Capital One credit cards off each month and my credit score was a XXXX! The reason that I believe that was denied was because of RED LINING! The address in which I receive my mail is in an XXXX XXXX XXXX neighborhood. 
This is the reason why I am contacting you and I would like a full investigation into this matter because there is no reasonable reason why I am being denied credit that I previously had and I did not abuse. I was never late, I paid my debt before the due dates, and I make more money! This is wrong on so many levels. Also, I just paid them an annual renewal fee less than 30 days of Capital One decreasing my credit. I would love to close the account but that would decrease my credit even more.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX XXXX Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$35000.00} Account name XXXX XXXX XXXX  XXXX Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$45000.00}

Company response to consumer: Closed with explanation