vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 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: IL

Complaint narrative:
Hello, I am requesting an investigation into these accounts due to a potential misunderstanding regarding their accurascy on my credit report. These accounts were removed previously but have been re-added without my awareness. I did not receive any notification of their reinstatement, nor have I received any related correspondence by mail.

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 2025-12-04 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: IN

Complaint narrative:
This account was cleared in full, but the report still lists it as having late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: TX

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. 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

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-12-04 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: TX

Complaint narrative:
I have no association with these accounts and seek their removal within the 15-day period required by the FCRA.

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 2025-12-04 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: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: MS

Complaint narrative:
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! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: NJ

Complaint narrative:
I am writing to dispute several inaccuracies in my credit reports. Below are the accounts I am disputing, separated by each credit bureau. 

Charged Off Accounts : XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$920.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$9000.00} Inquiries : XXXX XXXX XXXXXXXX, Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : 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 2025-12-04 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: CA

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 explanation
Consumer complaint received 2025-12-04 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: Experian Information Solutions Inc.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: IL

Complaint narrative:
The account listed is inaccurate and should not be reported under my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc

Complaint narrative:
I received some money ( {$580.00} ) from a client I worked for on XX/XX/year>. The money was withheld for 180 days and I patiently waited until XX/XX/year>. I received an email of withdrawal of the money but the Paypal team did not allow me withdraw the money. I messaged them and they said that there are some verification procedures being done on the transaction so I should be patient. I waited until XXXX XX/XX/year>, that's when I received a notification that the money ahs been taken by Paypal as a way of recovering losses. I tried asking them for clarification on what losses did they incur because of me, but they have not disclosed the reason for taking my money. 
They are now saying sorry to me because of the inconveniences when they have taken my money. I have tried talking to the client who paid, and he is willing to provide any retails required to verify that the payment was legit and no fraudulent activity involved in the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I am filing a complaint against XXXX  ( Confirmation # XXXX ) for reporting inaccurate, unverifiable, and inconsistent information, in violation of FCRA 607 ( b ) and 611 ( a ) .DISPUTED ACCOUNTS : - XXXX XXXX XXXX XXXX {$8900.00} ) - XXXX XXXX XXXX XXXX {$7000.00} ) XXXX XXXX XXXX Charge-Off # XXXX - XXXX XXXX Charge-Off # 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 2025-12-04 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: NV

Complaint narrative:
This is not my account, and it appears on my report in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: SOFI TECHNOLOGIES, INC.
State: AL

Complaint narrative:
I literally made a complaint on this company not 12 hours ago and here I am waking up to my account being closed with disputes that they refuse to fix for me from company 's I never heard it's like after I wrote u guys for help about getting my money from this company they closed my account and left my dispute un fixed and as I said earlier I've done research and found out this company has a lot of complaints about the problem of disputes literally what I'm going through now they've allowed my account to get restricted then when I asked y they've never gave me a answer so I asked well Is there any way I can get my funds from those fraudulent transactions they say yes we can dispute them and send you a check in the mail so I say ok let 's dispute them all except XXXX which Is what I know for a fact I did and it's located in XXXX Alabama the only dispute they fixed is anything pertaining to XXXX.They denied my {$1500.00} from a company named XXXX XXXX  on XXXX XXXX my {$500.00} from XXXX XXXX on XXXX XXXX  {$730.00} from XXXX XXXX XXXX XXXX and my {$430.00} from a company named XXXX on XXXX XXXX  all from My account and all are California based companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I've had several fraudulent claims with XXXX about Merchants taking money out of my account and not returning the funds. They have not informed me about any updates nor have they given me any proof that they have spoken to the merchant or that the dispute is being taken care of. My personal information also has been compromised with this happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: IL

Complaint narrative:
The account listed is inaccurate and should not be reported under my name.

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 2025-12-04 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: NV

Complaint narrative:
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! 


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 2025-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
My Virtual Card was used Date & Time Description Amount 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$43.00} XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX XXXX {$210.00} I also was able to contact merchant they stated chime never reached out to them about any investigation! My claim just keeps getting auto denied without proper investigation which is unfair because I never made those transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal 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 explanation
Consumer complaint received 2025-12-04 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: EQUIFAX, INC.
State: MA

Complaint narrative:
here 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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: CA

Complaint narrative:
I am filing a complaint regarding improper credit reporting and lender misconduct related to a private student loan ending in XXXX, originally through XXXX XXXX / XXXX / XXXX, for my attendance at XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ). This loan was obtained under substantial misrepresentation and fraud by the school, which has been widely documented by the U.S. Department of Education, state Attorneys General, and federal borrower-defense findings. 

School Fraud & Misrepresentation XXXX XXXX XXXX engaged in widespread illegal practices during the years I attended, including falsified job placement rates, inflated salary data, deceptive transfer-credit policies, hidden costs, and aggressive recruitment tactics. These are detailed in : 1. U.S. Department of Education Borrower Defense findings 2. XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX. Multi-state AG settlements 4. Federal enforcement actions These findings match exactly the misconduct that influenced me to enroll and take out this private loan. 

Credit Reporting Harm Despite having submitted a School Misconduct Discharge/BDR-equivalent claim to XXXX, the lender continues to : 1. Report derogatory information 2. Damage my credit 3. Damage my co-signers credit 4. Report inaccurate loan status 5. Fail to note the account as disputed This violates FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know or should know is inaccurate, especially when validity of the debt is under dispute due to fraud. 

Furnisher Noncompliance The lender has failed to : 1. Conduct a lawful reinvestigation under FCRA 623 2. Suspend negative reporting while the dispute is pending 3. Provide verification of the debt 4. Correct or remove inaccurate information The continued derogatory reporting is unlawful, harmful, and retaliatory.

Impact on Me and My Co-Signer This inaccurate reporting has caused : 1. Severe credit score drops 2. Denials for credit/financing 3. Emotional distress 4. Financial damages 5. Harm to my co-signers credit standing Requested Action by CFPB I am requesting that the CFPB require the lender to : 1. Cease all negative credit reporting immediately 2. Correct or delete all inaccurate information 3. Mark the account disputed and under review for discharge 4. Provide documentation validating the debt 5. Cease collection activity until the school misconduct dispute is resolved 6. Issue restitution or refund if appropriate I believe the lender is in clear violation of the FCRA and other consumer protection regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing a complaint regarding improper credit reporting and lender misconduct related to a private student loan ending in XXXX, originally through XXXX XXXX / XXXX / XXXX, for my attendance at XXXX XXXX XXXX  XXXX XXXX ( XXXX ). This loan was obtained under substantial misrepresentation and fraud by the school, which has been widely documented by the U.S. Department of Education, state Attorneys General, and federal borrower-defense findings.

School Fraud & Misrepresentation XXXX XXXX XXXX engaged in widespread illegal practices during the years I attended, including falsified job placement rates, inflated salary data, deceptive transfer-credit policies, hidden costs, and aggressive recruitment tactics. These are detailed in : 1. U.S. Department of Education Borrower Defense findings 2. XXXXXXXX XXXX XXXX XXXX XXXX XXXX 3. Multi-state AG settlements 4. Federal enforcement actions These findings match exactly the misconduct that influenced me to enroll and take out this private loan. 

Credit Reporting Harm Despite having submitted a School Misconduct Discharge/BDR-equivalent claim to XXXX, the lender continues to : 1. Report derogatory information 2. Damage my credit 3. Damage my co-signers credit 4. Report inaccurate loan status 5. Fail to note the account as disputed This violates FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know or should know is inaccurate, especially when validity of the debt is under dispute due to fraud. 

Furnisher Noncompliance The lender has failed to : 1. Conduct a lawful reinvestigation under FCRA 623 2. Suspend negative reporting while the dispute is pending 3. Provide verification of the debt 4. Correct or remove inaccurate information The continued derogatory reporting is unlawful, harmful, and retaliatory.

Impact on Me and My Co-Signer This inaccurate reporting has caused : 1. Severe credit score drops 2. Denials for credit/financing 3. Emotional distress 4. Financial damages 5. Harm to my co-signers credit standing Requested Action by CFPB I am requesting that the CFPB require the lender to : 1. Cease all negative credit reporting immediately 2. Correct or delete all inaccurate information 3. Mark the account disputed and under review for discharge 4. Provide documentation validating the debt 5. Cease collection activity until the school misconduct dispute is resolved 6. Issue restitution or refund if appropriate I believe the lender is in clear violation of the FCRA and other consumer protection regulations.

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