vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Upon reviewing my credit report, I found certain collection and charge-off entries to be inaccurate, outdated, or unverifiable. Despite submitting disputes and providing supporting documentation, these accounts remain unverified and continue to negatively impact my credit. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of these accounts. Any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-22 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: CA

Complaint narrative:
Subject : Formal Complaint Against Equifax for Failure to Comply With Identity Theft Protections Under the FCRA To Whom It May Concern, I am submitting this formal complaint to the Consumer Financial Protection Bureau regarding identity theft and the continued reporting of fraudulent information by Equifax, a nationwide consumer reporting agency. Despite providing Equifax with proof XX/XX/year>, supporting documentation, and multiple disputes, Equifax has continued to report items that are a direct result of identity theft. 

When a consumer provides valid documentation proving identity theft, as well as being part of Equifax XXXX XXXX ( claim # XXXX ) such evidence should not be questioned or ignored. XXXX refusal to act upon the documentation I submitted has caused me unnecessary hardships, financial expenses, emotional distress, and ongoing interference with my credit and daily life. 

As outlined under the Fair Credit Reporting Act ( FCRA ), including but not limited to : FCRA XXXX ( XXXX U.S.C. XXXX ) requiring consumer reporting agencies to block and remove all information resulting from identity theft ; XXXX U.S.C. XXXX requiring furnishers to conduct proper investigations and correct inaccurate or fraudulent information ; XXXX U.S.C. XXXX providing for civil liability for willful noncompliance ; XXXX XXXX. XXXX providing for civil liability for negligent noncompliance ; it is my legal right to have all identity-theft-related items removed and blocked from my credit report, and to be compensated for damages resulting from XXXX noncompliance. 

I also want to emphasize that I have previously submitted XXXX separate disputes to Equifax requesting the removal and blocking these fraudulent items. Each time, my disputes were improperly denied, despite the evidence provided and the legal obligations placed upon the agency. 

XXXX ongoing failure to comply with the FCRA has caused continuous harm, including financial loss, time expenditure, emotional strain, and limitations in my ability to secure credit and maintain financial stability. I respectfully request that the CFPB investigate XXXX handling of my identity theft documentation and disputes, require the immediate removal and blocking of all fraudulent items, and address the violations of my rights under federal law. 

Thank you for your time and attention. I have prepared and provided additional documentation necessary to support this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Today, I discovered that an account was reported to XXXX using my personal information without my authorization. The account was reported on XX/XX/year> by XXXX XXXX XXXX. I did not apply for a loan, did not contact this company, and have never had any relationship with them. This appears to be the result of identity theft or fraud. 

The reporting companys contact information : XXXX dba XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WI XXXX Phone : XXXX Email : XXXX This fraudulent account has appeared on my credit report and is negatively affecting my credit profile. I am requesting that it be investigated and permanently removed from XXXX and all credit reporting agencies.

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 2025-12-22 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: CT

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: COLUMBIA BANKING SYSTEM, INC.
State: CA

Complaint narrative:
On XXXX XXXX. 2025 my ledger said there was {$110000.00} in my account. Between XXXX. XXXX, and XXXX XXXX. XXXX  there was fraudulent withdrawals of {$84000.00}. On, or about XXXX XXXX. went to the bank, they said I needed to talk to XXXX XXXX. 
On, or about XXXX XXXX. went, and called the bank, failed to get in touch with XXXX again. 
On, or about XX/XX/XXXX. failed again to meet up with XXXX. XXXX. finally meet up with XXXX, and filed fraud complaint. On XXXX XXXX. called XXXX Bank headquarters in XXXX XXXX, and talked to XXXX who said a provisional XXXX credit was added to the account. New balance was {$76000.00}. On XXXX XXXX. the issued a letter stating they wouldn't reimburse {$980.00} of fraud charges. On XXXX XXXX. they issued another letter stating they wouldn't reimburse {$22000.00} of fraud charges. On, or about XXXX XXXX. I called headquarters again, and talked to XXXX, he gave me a number to call ( XXXX ) XXXX XXXX if the money was not returned. As of today XXXX XXXX I still have not received the rest of the money, nor any notification to me. As of today I'm still {$34000.00} short of complete reimbursement. The bank is XXXX XXXX XXXX XXXX  XXXX XXXX. which the bank changed hands around XXXX XXXX. XXXX  which is when the fraud seems to have happened.

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am submitting this complaint to report an Identity Theft/ XXXX dispute involving unlawful reinsertion of a previously deleted tradeline on my Experian credit report. 

The tradeline is reported as XXXX XXXX XXXX XXXX associated with account number XXXX, and it is now appearing with a masked/non-identifying account number ( XXXX ). This account was previously disputed, investigated, and deleted/blocked from my credit file as identity theft. 

I am a victim of identity theft and I did not authorize, open, or use this account. I do not recognize the account and do not accept responsibility for it. An FTC Identity Theft Report is on file ( # XXXX ) and accompanies this complaint along with proof of identity. 

Despite the prior deletion/block, Experian has reinserted this tradeline, and it is being reported as charged off ( CO ) with a past due balance of {$22000.00} and negative payment history. This reinsertion is appearing with only a masked account number ( XXXX ), which prevents meaningful identification and raises verification and reinsertion compliance concerns. I also did not receive any notice explaining the basis for reinsertion. 

Because this account was previously deleted as identity theft, I dispute the accuracy, ownership, authorization, and legal reportability of this tradeline. This submission is intended to be processed as an Identity Theft/ XXXX XXXX request ( with supporting FTC documentation ), not as a routine payment/billing dispute. 

The continued reporting of this account after prior deletion, and the use of a non-identifying masked account number ( XXXX ), requires manual reinvestigation rather than automated verification. 

I am not attempting to bypass any process. I am a victim of identity theft and I am submitting documentation to ensure this dispute is correctly coded and reviewed as Identity Theft/Fraud and to prevent this reinsertion from being overlooked or misclassified.

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 2025-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
On XX/XX/year> I transferred {$390.00} in XXXX from XXXX to XXXX. I sent the XXXX to my XXXX XXXX  at XXXX since all of my other XXXX XXXX are able to receive XXXX to a XXXX XXXX  address. The transfer was successful at XXXXXXXX XXXX end and it was indeed transferred to my wallet address controlled by XXXX, however, since it was sent in XXXX and not XXXX XXXX  never credited my account for the transfer. I checked the wallet and to this day, several months later, the {$390.00} is still there in the wallet but XXXX has not credited my account. I have tried explaining this to XXXX customer support and they are most unhelpful. Since I am able to see that the XXXX did in fact get deposited into a wallet controlled by XXXX  I am now filing this complaint to see if some resolution can be made. This is not a situation wherein crypto was sent to the wrong address and is just " lost '' forever because it can easily been seen sitting in the wallet I sent it to meaning it was received and credited to that wallet although XXXX never then credited my XXXX  account for the crypto. I am attaching screenshots of the transfer and the wallet balance and a link to the wallet balance is here : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: GA

Complaint narrative:
chime closed my checking account with my direct deposit i just refilled for my XXXX XXXX XXXX XXXXXXXX and i receive an email about chime closed all my accounts my pay line of credit is fine if they close it my checking account doesnt make any sense i have filed XXXX  XXXX years ago and still has my chime account so it doesnt make any sense at all I need someone to respond to this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: PA

Complaint narrative:
URGENT : REGULATION E VIOLATION & MEDICAL ENDANGERMENT - RE : XXXX XXXX XXXX  ( CHIME ) '' " I am filing an emergency complaint against XXXX XXXX XXXX XXXX Chime partner ) regarding Claim # XXXX. Despite a supervisors verbal admission of fraud on XX/XX/XXXX, the bank issued a bad-faith denial. This willful violation of 12 CFR 1005.11 ( Regulation E ) has caused a XXXX XXXX XXXX My XXXXXXXX XXXX XXXX XXXX XXXX XXXX  was cancelled and I am in a XXXXXXXX XXXX without funds for medication. I am demanding immediate federal intervention and a settlement of no less than {$35000.00} for gross negligence and medical injury to a protected XXXX adult

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 2025-12-22 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: CA

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 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 2025-12-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I am submitting this complaint regarding a creditors repeated reporting of an unauthorized account that does not belong to me. 

I never applied for, authorized, or consented to this account. After discovering it on my credit reports, I disputed it as unauthorized and identity-theft related. Each time I dispute the account, the creditor temporarily closes or suppresses it, then later reopens and re-reports the same account without providing any proof that I authorized it. 

The creditor repeatedly sends form letters demanding that I identify or provide information about the individual who committed the fraud. I do not have this information, and the law does not require an identity-theft victim to identify the perpetrator as a condition of correction. 

Despite multiple disputes and prior complaints, the creditor has failed to provide a signed application, proof of identity verification, or any documentation showing that I opened or authorized this account. Instead, the creditor continues a cycle of temporary closure followed by reinsertion, which causes ongoing harm to my credit. 

This is not a one-time error. It is a repeated pattern of conduct that shows the dispute is not being handled in a reasonable or compliant manner under the Fair Credit Reporting Act. Supporting documentation is attached.

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 2025-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$580.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX  # XXXX XX/XX/XXXX -- {$7100.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$650.00} INQUIRIES : XXXXXXXX XXXXXX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
the house was already for sale when the closing date approached. the lender pennymac was called to inform them that we were in the process of selling the house and that the house was going to be completely pay, then the payment was scheduled for a certain date, but they withdrew the money before that date. the money wasn't available, and the transaction couldn't be completed. they were contacted, and they said there was no problem, that they would fix it. then I found out I had a bad credit report. I've never had problems paying my bills ; my credit history has always been good always try to pay on time and its not fair that due to an error on their part my credit is XXXX when it was high

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OK

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: IN

Complaint narrative:
my loan was sold along with my private information. 
loan * ( asset ) information social security number birthdate all my personal information i trusted them with. 

from XXXX XXXX to mr.copper aka XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: WA

Complaint narrative:
Cash app will not issues me a debit card but they won't give me an explanation why. I used cash app in good standards all the time. They give me the option to order it on my account but they deny it and wont let me know why. I have called their customer service and talked to them on chat and they wont tell me. They just talk me in circles.

Company response to consumer: Closed with explanation