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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to dispute the following accounts on my credit report, as I believe they are inaccurate and do not accurately reflect my credit history. Please review the following details and take appropriate action according to the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Accounts : XXXX, XXXX, XX/XX/XXXX, {$1000.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$1800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$0.00} XXXX  XXXX, XX/XX/XXXX XXXX {$460.00} XXXX  XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX, XX/XX/XXXX, {$1000.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$820.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$360.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$740.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$920.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$1400.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$720.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$840.00} XXXXXXXX XXXX, XXXX, XX/XX/XXXX, {$1500.00} XXXX XXXX XXXX, XX/XX/XXXX, {$350.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$870.00} XXXX, XXXX, XX/XX/XXXX, {$770.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$500.00} XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXXXXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX LATE PAYMENTS : XXXX, XXXX XXXX XXXX, XXXX DPT EDXXXX, XXXX DPT EDXXXX, XXXX DPT ED/XXXX XXXX  DPT ED/XXXX XXXX DPT EDXXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: EQUIFAX, INC.
State: NC

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 
"

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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am filing a complaint for inaccurate credit reporting under the Fair Credit Reporting Act ( FCRA ). XXXX is reporting a collection account for {$160.00}, but the reporting is conflicting, incomplete, and unverifiable. 

The tradeline is marked as In Collections / Derogatory but shows XXXX late payments ( XXXX ) and no last payment information. A debt can not be placed in collections without a documented delinquency timeline. The absence of payment history makes this reporting inaccurate and misleading. 

This violates FCRA 623, which prohibits furnishers from supplying incomplete or misleading information, and FCRA 611, which requires that reported information be verifiable.

I previously disputed this information with the credit bureaus and was not provided any billing statements, payment history, or documents verifying delinquency as required under FCRA 609.

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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
A collection account is being reported on my credit report without proper validation or proof that I owe the alleged debt. I never received documentation or a notice of validation from the collection agency. Despite disputing the account, it remains on my file in violation of my rights under the Fair Credit Reporting Act ( 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 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: NJ

Complaint narrative:
I am submitting this complaint because several items being reported by XXXX XXXX, and TransUnion appear inaccurate, incomplete, outdated, or unverifiable. I am requesting a full FCRA-compliant reinvestigation. The disputed items are listed below by bureau. 
Charged-Off Accounts in Dispute XXXX Acct : XXXX Reported Date : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Acct : XXXX Reported Date : XX/XX/XXXX Balance : {$8500.00} Reason for dispute : Account details are inconsistent with other bureaus. I am requesting verification of the accuracy of dates, balance, and status. If the furnisher can not provide proper documentation, the accounts must be deleted. 

Hard Inquiries in Dispute XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Reason for dispute : I do not recognize these inquiries. I request proof of permissible purpose under the FCRA. Any inquiry that can not be verified must be deleted. 

Late Payments in Dispute ( Identical XXXX accounts as XXXX XXXX XXXX ) Reason for dispute : These appear duplicated or inaccurate. I request complete payment history verification. Any unverifiable late entries must 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 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: Block, Inc.
State: CA

Complaint narrative:
I am a sole proprietor service provider who had a customer book an appointment with me, came in for her service on XX/XX/XXXX, and then filed a dispute with her credit card company on XX/XX/XXXX to get a refund saying her service was cancelled. I was notified by my credit card processor ( Square ) of the charge back and was directed to dispute the chargeback by providing evidence with the reason for disputing it.

Here is the information I provided to Square along with all my documentation : I understand that this customer claims that she wants a refund for a service that she claims was cancelled but in fact she came in and received her service, which was a session of non-laser tattoo removal of permanent makeup eyeshadow. Attached are the intake and consent forms she filled out and signed, a before photo of her eyelids, and a screenshot of the follow up text that I sent her a week and a half after her service. It should also be noted that I processed her payment using the Square XXXX device so she was present with her card in order for the charge to go through once the service had been rendered. Cardholder never contacted me with any concerns after receiving her service and did not respond to my text checking in with her. 

I can understand if a customer would want to get her money back if the reason was not getting the correct service or not being satisfied with the service. But here I was submitting her signed informed consent agreement in her own handwriting and the payment was made using the card in person and the customer 's card issuer seems to have simply disregarded my evidence in favor of their card holding customer.

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: FL

Complaint narrative:
1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.

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: 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: MD

Complaint narrative:
I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I dont have account with this merchant and Citi bank allowed them to fraudulently use my account. Citi bank says no fraud liability however they did not protect me our honor their guarantee.

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 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
These inquiries do not align with my records and appear unauthorized. I respectfully request prompt review and resolution. Attached are documents for your evaluation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase customer service representatives have purposely inhibited my ability to close this credit card, making me have to pay yet another annual fee on this credit card that I no longer want. 

I called into their customer support to close this credit card in XXXX. At which time, the representative told me I would lose my points and benefits unless I waited till XXXX. 

Come XXXX, I still wasn't able to close my account because Chase would not post my points or rewards. My points were all stuck in pending. 

Consistently, Chase has made the process to cancel their credit card extremely frustrating and painful, locking me in to keep paying the annual fee for this credit card that I no longer want. 

They've charged me yet another annual fee despite my protests and insistence that this credit card be cancelled. The customer service representative XXXX refused to give me a refund, and told me I would have to wait until XX/XX/XXXX to close the card even, else I forfeit my account 's pending points again. 

This is a predatory business practice in which Chase forces me to keep a product I don't want, charging me annual fee after annual fee, refusing to let me close it without punitive measures against my account ( seizing my earned points, for example ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I was phished by an impersonator on my Wells Fargo account on Sunday just after thanks giving when I realized I was being fished the money was already gone from my account I called right away to the fraud department and they filed the claim at that point. It has been since Sunday now its Thursday and they declined the claim and did not get my money back I still have mortgage to pay and other bills to pay with XXXX in a couple weeks I have nothing in my account for my family I have XXXX kids and left with no money. I dont know how Im going to get through this month I have asked them to close that checking account and switch me to a new account that has already been done. I have also changed user names and passwords to all accounts on my phone I need help. In the files I am sending there is a picture that shows I supossivly entered the letter n to I did not enter that letter they did also it went through apple to do this.

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: EQUIFAX, INC.
State: NC

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following accounts that are inaccurately reported on my credit report. I request that these items be thoroughly investigated and corrected as necessary. 

Inquiries : XXXX  Date : XX/XX/year> Late Payments : XXXX  Account Number : XXXX

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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Please assess the provided resources ; the inquiries came without early warning and might not be authorized.

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:
These inquiries do not correspond with any actions I have taken and appear unauthorized. I request a timely review and corrective measures. Attached is documentation for verification.

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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
A collection account is being reported on my credit report without proper validation or proof that I owe the alleged debt. I never received documentation or a notice of validation from the collection agency. Despite disputing the account, it remains on my file in violation of my rights under the Fair Credit Reporting Act ( FCRA ).

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 — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
I just had the worst experience at this XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX were unprofessional, contentious, rude, and disrespectful. Apparently my marriage certificate, government ID and Social Security card weren't good enough for a simple name change. 

XXXX angrily stormed out and went to lunch, clearly not caring if the situation was resolved. XXXX, kept saying " im just tryna help you out '' as if he was doing me some sort of grand favor. Even after I went to have a seat in the waiting area, XXXX kept audibly popping off saying " Im not bout to be sitting here arguing with you '' as if he was trying to assert his dominance over the situation and have the last word. 

Looking at the other reviews, it's obvious that the employees at this Fifth Third bank location could care less about servicing their customers. I have reached out to XXXX XXXX, the regional VP of this office and I would strongly encourage him to look at these reviews and check the miserable, nasty attitudes of these employees. This reflects very poorly on him and Fifth Third bank as an institution. I have now closed my account and would never recommend banking with these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: UT

Complaint narrative:
I opened a new Chime account through the promotional link for the New Member Offer XXXX {$350.00} bonus. I used the correct promotional link at the time of enrollment, and I completed a qualifying direct deposit of more than {$200.00} within XXXX  days of opening the account, which meets all terms listed in Chimes own policy at : XXXX XXXX XXXXXXXX. 

Despite this, Chime is denying the bonus and claiming the promotion was not attached, even though I followed every required step. If Chimes tracking system failed to register the promo link during sign-up, that is a system error, not a failure on my part. The qualifying deposit was received within the required timeframe, and I met the conditions exactly as written. 

Customer support and a supervisor refused to escalate my case for a manual rewards review, even though the promotional terms do not state that members are ineligible when tracking fails. 

I am requesting that Chime honor the {$350.00} New Member Offer or apply a manual rewards adjustment, as I satisfied all qualifying requirements according to the published terms.

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: NV

Complaint narrative:
Dear Sir/Madam, I am disputing the following charged-off accounts that I believe are inaccurate or incomplete on my TransUnion credit report. The details of the accounts in question are listed below : Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$100.00} XXXX XXXX XXXX Number : XXXX Date Opened : XX/XX/XXXX Balance : {$170.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$170.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} Inquiries : XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Credit Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX XXXX 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