vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 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: SC

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND XXXX. 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 explanation
Consumer complaint received 2025-08-22 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: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/year> around XXXX I tried to get in touch with and equifax representative. I asked why my my score went down XXXX points for no reason. He started to explain that I have these 2 accounts in collections which I understood that, however the score dropped tremendously with no rhyme or reason. I also asked about still reporting closed account and informed them I paid off my car note and still have like I owe money on my credit score. I was trying to get an answer the rep was rude and didn't want to explain properly. My score was a XXXX and all of the sudden when I asked about why score dipped within 2weeks it went down XXXX points. From the conversation we had equifax is maliciously tanking my score and not updating my information which hindering credit side. I just want a full investigation concerning my score. 

Here are the accounts in question Accounts XXXX XXXX XXXX XXXX  which the account close and paid in full on XXXX XXXX and the score went down on the XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Last reported on XXXX XXXX and the loan has been paid off still have me owing {$930.00}.

Still taking my score down on these closed accounts as well. 

XXXX XXXX XXXX XXXX  Last reported on XXXX XXXX which the account is closed amount is for {$930.00} and one for XXXX which is an loan XXXX XXXXXXXX is closed and don't have a balance, however, is on the collection side The amount is for {$3400.00}. 

XXXX XXXX is at a XXXX balance is closed and getting dinged the amount as well is for {$1100.00}. 

I tried to get these things corrected but no luck from the Equifax side it frustrating as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: CA

Complaint narrative:
I made a transfer of {$150.00} from my chime account to my XXXX XXXX XXXX XXXX XXXX  debit card. Because I was unaware of a restriction on my debit card the {$150.00} was never posted in my bank checking account. I spoke with an agent from XXXX and they confirmed with me that the funds were never posted into my account balance. I have filed a dispute with chime and it was denied, so I reopened the dispute and submitted proof that the funds were never posted via a copy of my bank statement that showed the {$150.00} were never posted and an email from XXXX representative who explains in the email that the money was never posted. Chime still denied my dispute a second time, even with the documentation I presented.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
This relates to the balance transfer policy for credit cards of Capital One Bank. Capital One Bank allows its customers to do a credit transfer through a check mailed to the customer. The bank advises customers to wait for at least 15 days before inquiring on the whereabouts of the check, which is sent by refgular USPS mail. Even though the check is not received by the customer, Capital One debits the customer 's credit card instantaneously for the balance transfer amount and fees ( i.e., before the check reaches the customer and the customer is able to deposit it ). In other words, before the loan is actually transacted ( and customer possesses the amount, the loan is debited to the customer 's credit card account.

I spoke with the Balance Transfer Dept of Capital One and a Senior Account Supervisor reiterated that policy.

A balance transfer transaction should mean the check is actually presented and the customer has the fund, not when Capital One mails a check. For example, what if a check is lost in mail? Is the customer on the hook?

I believe the policy is unfair at minimum and potentially illegal. A loan can not close when the money is still with the lender, as per me. What do you think?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/year> at XXXX I contacted PNC and advised my father is in a XXXX XXXX  and he is applying for XXXX and there is a 5 year look back and I need each statement for the last 5 years and I also needed copies of all checks over {$500.00} for the last 5 years. After XXXX min on the phone with the rep, she assured me that both the statements and the copies of the checks were being sent to me. Approx a week later I received the statements but no copies of the checks. 

I waited thinking possibly they were sent separately and they never arrived. I called again XX/XX/year> at XXXX and I again spoke to a rep and they advised the checks were never requested. He stated he needed to request research to get the copies of the checks and I would have them by the following Thursday. I spoke to rep for XXXX and he assured me they will be sent. 

I again never received them and called on XX/XX/year> at XXXX, I requested a supervisor and advised I was finished speaking to reps bc I have already called 2 times earlier and never received what was promised. Rep kept delaying giving me a supervisor and after I demanded, they finally got one on the phone. I adv the supervisor I needed the copies of the checks for the 5 year look back for XXXX and he said we can not even do that. I explained this is a very common practice for XXXX to do a 5 year look back and if PNC did not have the ability to do this, this was a huge problem because this effects people getting XXXX to stay in a XXXX XXXX. I also advised if this is the case, I should have been called and no one has reached out to me. He said they def should have called nd he spoke to someone else and they advised him he needed to have someone in the escalation department call me because they actually handle the checks.

I received a call today XX/XX/year>, at XXXX a rep called me and stated that they can provide me the checks, however there is a {$5.00} fee per check. There are hundreds of checks over {$500.00}. My father is in a XXXX XXXX  and needs XXXX XXXX XXXX. He is only receiving some XXXX and benefits from my deceased mother. He does not have the ability to pay for copies of checks as an attorney needed to be hired and has to be paid to handle XXXX and he is currently self pay for the XXXX XXXX  at over XXXX XXXX a month. 

First it should not have taken 4 phone calls regarding this information. In addition, due to this being for XXXX and a 5 year look back, there should not be a fee of {$5.00} per check. They are jeopardizing him being able to receive XXXX and stay in the XXXX XXXX  as his income will not support a monthly bill of this size. 

I also work for a XXXX XXXX XXXX XXXX area and there is no fee for this type of request due to it relating to XXXX and the rep only solution was for me to pay it or print my own but I do not own a printer to be able to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My debit card was stolen along with my bag and used for unauthorized transactions. I reported the theft and the unauthorized charges to Chase immediately. Chase denied my claim, saying it was my fault because I had my PIN written down, even though the transactions were not authorized by me.

I provided evidence showing I could not have made the transactions, including my work timesheet and paystub, but Chase refused to consider it. When I asked a manager to explain how their decision followed Regulation E, or to provide a proper denial letter, they refused.

I am requesting that Chase comply with Regulation E, reopen my case, and reimburse me for the unauthorized charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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:
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. A couple of days ago I received a letter stating that you have 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-22 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: FL

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. A couple of days ago I received a letter stating that you have 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: NY

Complaint narrative:
I requested account statements from XXXX XXXX and Discover so I could review the balances and confirm the activity being reported in my name. After receiving these statements, I confirmed that the accounts and transactions were not authorized by me. This information is being used to support my dispute, as these accounts are the result of identity theft and should be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I discovered that my Equifax credit score is not appearing on my credit report. Despite checking multiple times and submitting disputes, Equifax has failed to provide my score as required. This omission prevents me from monitoring my credit standing, comparing it with other bureaus, and ensuring accuracy across my reports. I have already submitted disputes and requests for correction, but no action has been taken.

This is harming my ability to evaluate my creditworthiness and is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies to provide complete and accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing a fraudulent account that has been erroneously reported on my credit file. I have no association with this account and never authorized its existence. Its inclusion is misleading, inaccurate, and damaging.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: MD

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 2025-08-22 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: MO

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: WA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$410.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: NJ

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. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect PersonaXXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXXXXXX - Incorrect Personal , has violated my rights.

I looked at my credit bureau EXPERIAN credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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. I kindly request that you block this information from my credit report within four business days.

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 2025-08-22 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: NC

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 response to consumer: Closed with non-monetary relief