vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-30 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:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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:
Upon my most recent review of my credit reports, I was once again concerned to find several items being reported inaccurately. These entries misrepresent my financial history and create a misleading picture of my creditworthiness. As a consumer, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to demand a full reinvestigation of the following disputed accounts and items. 
The first category of errors involves charge-off accounts. Some of these are still being reported with outdated or inconsistent information. Pursuant to FCRA 605 ( a ), charge-offs or similar derogatory entries must not be reported beyond seven years from the date of the original delinquency. Additionally, under FCRA 611, I am entitled to a reasonable reinvestigation, and under FDCPA 809, I may request that the original creditors validate the accuracy of these debts. 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: NC

Complaint narrative:
Upon my most recent review of my credit reports, I was once again concerned to find several items being reported inaccurately. These entries misrepresent my financial history and create a misleading picture of my creditworthiness. As a consumer, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to demand a full reinvestigation of the following disputed accounts and items. 
The first category of errors involves charge-off accounts. Some of these are still being reported with outdated or inconsistent information. Pursuant to FCRA 605 ( a ), charge-offs or similar derogatory entries must not be reported beyond seven years from the date of the original delinquency. Additionally, under FCRA 611, I am entitled to a reasonable reinvestigation, and under FDCPA 809, I may request that the original creditors validate the accuracy of these debts. 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 explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX from XXXX XXXX for XXXX XXXX and XX/XX/XXXX for XXXX XXXX  I did not authorize these transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: IL

Complaint narrative:
XX/XX/year>. Chime closed my credit builder account with {$250.00} in the account. Due to me filing bankruptcy. They did not send a correspondence stating they wer closing my account to give me a chance to move my money to the chime checking account. I received an email in XX/XX/year> that my account was closed. Not knowing til I tried to use my card and it would no longer work. 
I called on XX/XX/XXXX and told that a check would be issued on XX/XX/year>. That date has come and went. No check has been issued. I called again XX/XX/year> I was transfered to XXXX different people. The first XXXX saw my account saw the money.. but was told it only XXXX. I asked when I will get my money they said oh no you don't get that money back.i said that is my money from my payroll check from my job. Not a line of credit. Not borrowed money. I got transfered again and was told someone would email me. I got an email from XXXX stating they are looking into it. That was on XX/XX/XXXX @ XXXX that they are looking into it. I emailed on XX/XX/XXXX asking for an update, no response. Again on XX/XX/XXXX asking for an update. No response finally she responds that they are still looking into it. I respond back saying that I want my mone.No response. On XX/XX/year> I email again asking for an update. By now its been almost XXXX  months. Remind XXXX of this. I get a response XX/XX/year>, they are still looking into it. I emailed again on XX/XX/year> asking for an update. No response. I email XX/XX/year> asking for an update. No response. And emailed again XX/XX/year> asking for an update. No response. They have stolen my money with no real cause. And I just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
On XX/XX/year>, XXXX XXXX XXXX ( XXXX ) sent me a settlement letter confirming they would accept {$270.00} as settlement in full on a {$680.00} balance. The same letter states XXXX would request deletion of their collection tradeline with TransUnion and Experian once payment cleared. 

I made the required payment, and XXXX confirmed the account is resolved. However, TransUnion is still reporting this account as In Collection, which is inaccurate. 

Per XXXX  own written agreement ( attached ) and the Fair Credit Reporting Act, this tradeline should be deleted as promised. 

Attachments : Settlement letter, proof of payment, current TransUnion report showing the account still listed as In Collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: FL

Complaint narrative:
TransUnion is reporting a XXXX XXXX XXXX XXXX XXXX loan account that is unverifiable. XXXX  has already deleted this same account as unverifiable. On TransUnion, the old address previously linked to the account has been deleted, and there is no account number listed, making the tradeline impossible to attribute to me or lawfully verify. 

I requested the method of verification under FCRA 611 ( a ) ( 7 ), but TransUnion failed to provide the name, address, and contact details of the furnisher. Since all my secondary data sources are frozen, the account could not have been properly 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 2025-08-30 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: PA

Complaint narrative:
My credit report contains accounts that I did not open and never authorized. I was not notified about their addition, and I do not recognize their origin. These accounts are inaccurate and are being reported differently by each credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am formally disputing a fraudulent account that has been reported under my credit profile. I did not authorize, open, or maintain this account at any time. It is false, misleading, and an inaccurate reflection of my financial history.

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 2025-08-30 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: AR

Complaint narrative:
I am the victim of identity theft and have submitted the proper documentation under FCRA 605B ( 15 U.S.C. 1681c-2 ), including an identity theft report and proof of identity. Despite this, certain fraudulent accounts remain on my credit report. These accounts were not authorized or opened by me and have already been removed by one or more credit bureaus after verification. However, other bureaus continue to report them, which is a direct violation of the requirement to block such information within XXXX business days of receiving a valid request. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  Balance : {$2300.00XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$330.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-30 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: AR

Complaint narrative:
I am the victim of identity theft and have submitted the proper documentation under FCRA 605B ( 15 U.S.C. 1681c-2 ), including an identity theft report and proof of identity. Despite this, certain fraudulent accounts remain on my credit report. These accounts were not authorized or opened by me and have already been removed by one or more credit bureaus after verification. However, other bureaus continue to report them, which is a direct violation of the requirement to block such information within XXXX business days of receiving a valid request. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  Balance : {$2300.00XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$330.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: GA

Complaint narrative:
Several items on my credit report are inaccurate and/or unauthorized. Proper validation for these debts has not been provided, and I do not believe the reported balances are correct. I am requesting a thorough investigation of the following accounts and the removal of any that can not be substantiated with full documentation and proof of ownership : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts are either inaccurate, unauthorized, or both. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have any unverifiable or inaccurate items removed from my credit report.

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 2025-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
I am submitting a complaint against PennyMac Loan Services , LLC regarding misleading information I received about a payment plan and its effect on my credit. 

On XX/XX/year>, I contacted PennyMac to discuss assistance with my mortgage payment for medical reasons. The first representative I spoke with was unprofessional, displayed an attitude, and failed to inform me that the proposed payment plan would negatively affect my credit report. Both reps called it an unconventional plan. 

Later the same day, I spoke with another PennyMac representative who clarified that the plan would in fact be reported in a way that could damage my credit standing. Additionally, I was advised that PennyMac would not offer me any other payment assistance options that would avoid harm to my credit. 

This situation has caused me unnecessary stress and placed me in a difficult financial position. I believe PennyMacs failure to provide full and accurate disclosures, combined with the unprofessional conduct of its staff, reflects deceptive and unfair practices that harm consumers. 

I

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc.
State: IA

Complaint narrative:
I reported money lion to you guys back in XXXX or XXXX and was informed by money lion that I would get my money back and I yet to this day have not received my money not to mention the fact that they are still pulling there XXXX and taking any amount of money as they please out of my account! Now I have reported them already and apparently you guys don't feel there is a problem when XXXX there is and I will be going above and beyond you guys now since this hasn't been resolved and it's still going on and as I was informed by my attorney was I needed to submit another complaint and inform both parties that there will be legal action taken from here on our!!!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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:
Upon my most recent review of my credit reports, I was once again concerned to find several items being reported inaccurately. These entries misrepresent my financial history and create a misleading picture of my creditworthiness. As a consumer, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to demand a full reinvestigation of the following disputed accounts and items. 
The first category of errors involves charge-off accounts. Some of these are still being reported with outdated or inconsistent information. Pursuant to FCRA 605 ( a ), charge-offs or similar derogatory entries must not be reported beyond seven years from the date of the original delinquency. Additionally, under FCRA 611, I am entitled to a reasonable reinvestigation, and under FDCPA 809, I may request that the original creditors validate the accuracy of these debts. 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 2025-08-30 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: GA

Complaint narrative:
b"There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently.\n\nFRAUDELENT ACCOUNTS:\n\n XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
What happened : On XX/XX/year>, a fraudulent check for {$160000.00} was deposited into my Chase business checking account ( ending XXXX ) at the Chase branch located at XXXX XXXX XXXX XXXX, XXXX, NY. I live in California and was not in New York. I never authorized this transaction, and there is no way the individual could have had my ID or business debit card to complete the teller deposit. 

My actions : On XX/XX/year>, I followed Chases instructions and completed a compromise account switch at my local California branch. However, on XX/XX/year>, I was notified that both my old and new accounts were restricted and closed, and Chase terminated my banking relationship. 

My concern : Chase allowed a fraudulent teller transaction inside a branch without proper verification of account ownership. Instead of correcting this, Chase penalized me, the victim, by closing my accounts. This has caused severe harm to my business operations. I believe this may involve internal teller negligence or misconduct at Chase. 

What I want : 1. An immediate investigation into how this fraudulent deposit was accepted.

2. Written confirmation that I will not be held liable.

3. Restoration of my banking access or equivalent remedy so my business can continue operating.

I am requesting the CFPB to intervene and hold Chase accountable for mishandling this fraud case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX Telephone : ( XXXX ) XXXX Date : XX/XX/XXXX Subject : Complaint Against Experian, Equifax, and TransUnion Unresolved Disputes and Ongoing FCRA Violations I am filing this complaint against Experian, Equifax, and TransUnion for their continued failure to correct inaccurate and unverifiable information in my credit reports. Despite submitting multiple disputes, most recently in XXXX, the bureaus have not taken corrective action and instead issued generic verified statements without providing the legally required method of verification under 15 U.S.C. 1681i ( a ) ( 7 ).

This conduct violates : 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation.

15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide the method of verification.

15 U.S.C. 1681e ( b ) : Failure to maintain maximum possible accuracy.

Disputed Items Still Unresolved Incorrect Personal Information Previous Address : XXXX XXXX XXXX XXXX XXXX, OH XXXX Incorrect Personal Information Previous Address : XXXX XXXX XXXX, XXXX, OH XXXX Unauthorized Inquiry Credit Acceptance, XX/XX/XXXX Unauthorized Inquiry Credit Acceptance, XX/XX/XXXX Unauthorized Inquiry XXXX XXXX, XX/XX/XXXX Charge Off XXXX XXXX  XXXX XXXX XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment ( Closed/Paid ) XXXX, Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failures by the Credit Bureaus The credit bureaus have not provided : The verification method and process used. 

The name, title, and contact information of the furnishers. 

Documentation relied upon in their investigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

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 explanation