vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: FL

Complaint narrative:
Around XX/XX/year> I was taking for a ride for a website that I paid for that was never built I have five different bank accounts involved here and I've been paid from every single one of them except for chime and a XXXX XXXX owes me {$1800.00} yet and I've waited over a year for this money and I want it back it's time I was approved with XXXX but because I called the bank it got sent to them I want this money back now I've waited it almost a year

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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:
Despite being paid in full, the account continues to show late payment information.

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 2025-11-09 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: WA

Complaint narrative:
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. 
DEPT OF EDUCATION/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance {$4000.00} Therefore, the following accounts must be deleted from my report immediately.

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 2025-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Complaint ID XXXX This is a feedback to the response of Truist Bank , who were not being honest when they said they sent me information giving me a chance to make a payment plan with them. 
First they gave me conflicting information about opening an account after I was a victim of a scam. I was told to open up another account which I did, because I was expecting money to be deposited into my account from abroad. I opened the account with the hope that my finances and bills would not be interrupted. 
When I called The fraud department and told them I needed to withdraw money from my account, because my light bill had been disconnected, they advised me to go to the bank and withdraw the money over the counter. When I arrived at the bank I tried to withdraw the money that was left in my account and I was told I could not. 
They gave me a number to call which I did and was told I should have not been allowed to open up a new account whist my old account was locked because of fraud. 
This was very upsetting because they closed the new one also I was left with no bank account for months, my bills are backed up even until this day. 
I was even accused by a customer service agent of signing the checks that were put into my account fraudulently. I stated that the signature on the checks was not my signature and the Bank even sent back the scammers the money the scammers deposited into my account, which did not make any sense to me. 
The reason it has taken me a while to respond is because I am considering Legal action against Truist for their incompetence and the stress and hurt they have caused me. 
Their communication has been poor and for an agent to imply I was signing fraudulent checks was very hurtful. 
I have records of everything that happened ; letters, recorded phone calls, and records of all the calls and txt the scammers were threatening me with. 
I also know every time I called the Bank customer service agent, it is recorded. So I know they have proof of every phone call I made, the time date, and what was said on that call. 
I have proof of Truist letters being sent after I had lodged my complaint with The CFPB. Which they had claimed they sent previously. 
Now they want me to pay the balance, which I think is not fair given I was a victim of a scam.

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 2025-11-09 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: OH

Complaint narrative:
XX/XX/XXXX Under U.S.C. Sec 15 1681,1682,1683,1684, ( a, b ) 10298g, within FCRA rights and requirements the attached items must be removed immediately. These items are a grave violation to my consumer credit report under FCRA U.S.C Sec 15 1681 which explains if an item can not be verified 30 days from receipt ( late payment, 1099c form from collection agency, printed copies of a persons signature and if this can not be validated under FCRA within 30 days from receipt the items must be removed. A counter lawsuit will be issued if deemed any credit bureau is in VIOLATION of my FCRA USC Sec 15 laws at any point. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$740.00} XXXX Date Opened XX/XX/XXXX Balance {$14000.00} XXXX  Date Opened XX/XX/XXXX Balance {$100.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$590.00} XXXX  XXXX  Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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:
The information that was dispute on my credit report was not removed and is not accurate information I am a victim of identity theft I have disputed this information with all three credit bureau Tranunion XXXX and Experian. 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

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 2025-11-09 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:
The information that was dispute on my credit report was not removed and is not accurate information I am a victim of identity theft I have disputed this information with all three credit bureau Tranunion XXXX and Experian. 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
DEAR CitiCards CBNA : I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : Original Credit Agreement ( the contract I allegedly signed, if applicable ) Full Itemized Statement ( showing how the balance was calculated ) Forward Flow Agreement ( proving debt transfer from original creditor ) Chain of Title / Assignment Documents ( showing legal transfer of ownership ) Complete Payment History Records ( verifying payments or delinquencies ) Validation Notice ( per FDCPA 1692g ) Notice of Default / Intent to Collect ( as required by law ) Proof of Statute of Limitations ( confirming debt is legally collectible ) Credit Reporting Agreement ( authorizing reporting to bureaus ) Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable. 

Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). Courts including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX that unverifiable or misleading data can not lawfully remain on a consumers credit file.

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 2025-11-09 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: TN

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 XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am filing this complaint because Experian has failed to comply with my dispute under the Fair Credit Reporting Act ( FCRA ) and related laws. Specifically : I submitted a pre-arbitration notice and dispute to Experian ( and/or the data furnisher ) outlining that the account in question was being reported after I had issued a cease-and-desist and that I required verification/documentation of the debt. 

Experian updated my dispute status in its portal showing Completed investigation of FCRA dispute consumer disagrees, with a reason code Invalid date which does not address my actual dispute : namely, lack of validation, failure to supply documentation, and continued communication through credit reporting notwithstanding the cease-and-desist which is a violation under the fdcpa I have not received any written or electronic notice that includes the description of the procedure used to investigate, the name/address/phone number of the furnisher contacted, or copies of any verification documents. Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), a consumer reporting agency must provide this information I have not received the information I requested from jump assignment of contract and other information which will show In the info I upload, they stated invalid date for dispute reasons that was not outlined in the pre arbitration notice Because I issued a valid cease and desist to the furnisher, continued credit reporting of the account appears to be a form of communication about the debt via credit reporting potentially violating the Fair Debt Collection Practices Act ( FDCPA ) if the furnisher is a debt collector, and/or continuing reporting without verification is an abuse of rights under FCRA.

The account remains on my credit report despite no verification provided and no meaningful reinvestigation ( the code Invalid date does not address the substance of the dispute ). That is a failure to ensure maximum possible accuracy.

I have suffered harm in the form of credit score damage/increased interest costs/emotional distress due to uncertainty and the burden of tracking this unresolved dispute. 
I would like the arrangements of amount requested from the pre arbitration still be in tact and they fix this issue immediately as I will be sending complaints to other resources as well I will sned a follow up pre arbitration notice again requesting damages and more

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 2025-11-09 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: CA

Complaint narrative:
I disputed closed credit card with balance of {$590.00} from XXXX XXXX bank but investigation from Experian comes back verified and updated and still reporting on my credit, however I disputed same account with XXXX  and XXXX  and theyre investigations came back with account deleted and removed from theyre credit reporting due to information being incorrect and inaccurate or invalid

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 2025-11-09 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-11-09 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-11-09 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: CT

Complaint narrative:
Re : Request to Remove Inaccurate Credit Information To Whom It May Concern : Upon receiving a copy of my credit report, I have identified the following item ( s ) that contain inaccuracies : XXXX  XXXX XXXX XXXX DATE OPENED XX/XX/year> BALANCE {$8700.00} This account is the result of identity theft and all the information reported in here are all erroneous and fraudulent. Please block this account in my credit reports.

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 2025-11-09 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: FL

Complaint narrative:
I did not authorize this inquiry and I did not speak with this lender on the date indicated. Accordingly, I respectfully request that you remove this inquiry from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law 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 2025-11-09 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Management Holdings, LLC
State: GA

Complaint narrative:
This is an unpaid medical collection for {$550.00} with a placement/Date Assigned of XX/XX/XXXX. Under the credit bureaus public policies effective XXXX, unpaid medical collections may not be furnished until at least ONE YEAR after placement. Despite this, the tradeline is appearing now.

I disputed with the credit bureaus and requested deletion for premature furnishing, and asked for the method of verification and the documents relied upon. I also requested validation from the collector, including an itemized bill ( CPT/HCPCS codes, dates ), insurance EOBs, proof of collection authority, and copies of what was furnished to the CRAs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FC HoldCo LLC
State: DC

Complaint narrative:
I have been paying on a car loan with XXXX XXXX XXXX for approximately XXXX years, and I believe I have been subjected to predatory lending practices and inaccurate credit reporting. 
When I first obtained the loan, I was offered a very high interest rate despite making consistent payments and showing proof of income. Over the past XXXX years, I have made regular monthly payments, yet the balance has barely decreased, and the loan does not appear close to being paid off. 
This situation has caused significant financial hardship and feels unfair and misleading. I believe I have already paid back more than the vehicles original value. 
Additionally, I have discovered that XXXX XXXX XXXX is reporting incorrect information to the credit bureaus, including inaccurate balance amounts and potentially false payment history. This has negatively affected my credit score and overall financial stability. 
When I contacted XXXX to request an account review, full payment history, and payoff amount, I did not receive a clear explanation or documentation of how my payments have been applied toward principal and interest. I believe the loan terms, interest, and reporting practices are deceptive and should be investigated.

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