vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute certain inaccurate information that appears on my credit report maintained by your agency. As per my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation and removal or correction of the following inaccurate hard inquiry I notice several unauthorized inquiries on my credit report that I would like to remove & According to FERA section 605B it is illegal to report anything on my credit that is unauthorized or unverified without my permission please remove these negative items immediately thanks. 

-Inaccuracy : This account is not mine and was reported without my knowledge or authorization. 
Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. The inaccurate item ( s ) listed above fail to meet that standard.

Additionally, under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation of any disputed information within 30 days of receipt of notice of dispute. If the information can not be verified, it must be promptly deleted from the consumers file. 

I am requesting that you investigate these matters and delete or correct the inaccurate information. Please provide me with a written statement regarding the outcome of your investigation. 
For your convenience, I have enclosed copies of relevant documentation supporting my dispute. ( Include copies of any evidence such as ID, proof of address, police report, or letters. )

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 2025-05-08 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: TX

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-05-08 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: TN

Complaint narrative:
XXXX  account is reporting inaccurate information on my credit report. I've disputed this information numerous times with each of the XXXX credit bureaus, but they keep saying the information comes back as verified. How can the information be verified if all XXXX credit bureaus are reporting different information? The following is everything that is reporting differently across the credit bureaus : Date Opened, High Credit, Past Due, Last Reported, Date Last Active, Date of Last Payment, Two-year payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I value my credit the same as everyone else 's which is why I'm really concerned about the mistakes I saw on my credit report. These errors are causing me a lot of stress and its affecting everything, from loan options to higher interest rates, to my ability to get new credit. I've worked hard to build my credit, and it is disheartening to know that my rights as a consumer is being violated. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Please get this fixed and confirm that you have removed and deleted all of the above that are not reported with maximum accuracy by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a XXXX  document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: CA

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

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 2025-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OR

Complaint narrative:
My banking account got hacked after I Left my husband which Left my homeless sleeping on the streets for like XXXX weeks with my XXXX XXXX animals XXXX and XXXX I finally got my access to my account they had to use an old phone number that I originally had when opening a checking and savings account with chime to retrieve my account I had enough money left in the account to get in a hotel room so I could focus on getting into an apartment but meanwhile after retrieveing my chime accounts someone was sending money to people I DO NOT KNOW!!!! 
There was XXXX transactions I disputed for over {$4000.00} I have never in over a year of banking with chime sent money to ANYONE!!! 
And chime knows this. 
So I've waited the XXXX XXXXys for the dispute investigation they were supposed to give me a provisionary and return the over {$4000.00} to my account so I woke up this morning XX/XX/year> and see a message that the dispute was handled. But CHIME gave me {$420.00} out of the {$4000.00} Now I had to dispute that and now they are saying I have to wait another XXXX  days This is so wrong my check out date is XX/XX/year> so now what it's over {$600.00} a week here in this motel to rent weekly I don't even have enough in my account to pay for another week to pay for another week in this motel to try and wait and hope that they give me back my {$400.00} minus The {$420.00} they have given me. 
I am alone in a new city trying to figure out my new life after leaving my husband of XXXX years I have no family no friends to help me I'm going to be homeless sleeping on the streets again because of CHIME allowing people to transfer money to people All over the country that I don't even know. 
There was XXXX transactions of my account sending money out to people even after I was able to access my account after being locked out cause I got hacked so even after I retrieved my account back which was a major problem In doing so CHIME was still allowing people to transfer money to XXXX people with a total of over {$4000.00} mean while every time I was trying to use funds for motel room and groceries from XXXX and XXXX rides to get around CHIME was declining my transactions saying they thought it was fraudulent activities and I had to go through All the XXXX to get them to AUTHORIZE these TRANSACTIONS for ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: NC

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: AR

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hi I have XXXX account at capital one and they restricted my account for over a month now. 

I have cash back {$1600.00} i have been trying to use my cash back and its restricted. 

I called Capital one customer service several times and i spoke to a manager they were not ready to help me in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: FL

Complaint narrative:
I am only XXXX XXXX XXXX and I was recently added to my uncles XXXX  XXXX card {$8400.00} limit legitimately and when I logged on to see if it updated to my report and noticed XXXX accounts that are not mine. I tried to correct this and have not received any response or help from the companies. None of them. 

I filed a identity theft report with the FTC as advised by police officer I spoke with when I called the non-emergency line and it is attached to this complaint. 

XXXX. XXXX  XXXX Opened XX/XX/XXXX XXXX {$0.00} XXXX {$300.00} XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX {$540.00} XXXX {$500.00} XXXX. XXXX XXXX as XXXX for {$3200.00} Opened XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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:
It appears that these accounts are fraudulent and have no connection to them. I ask that they be removed from my credit record immediately and that a thorough investigation be conducted. Supporting documentation is enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: AK

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-08 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 accounts were created without my knowledge or consent, and I should not be accountable for them. I urge you to take swift steps to correct this matter.

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 2025-05-08 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: DC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On my XXXX  credit report dated XX/XX/XXXX, all three credit bureausTransUnion, Experian, and Equifaxhave active Extended Fraud Alerts instructing creditors to verify my identity by contacting me at ( XXXX ) XXXX before granting credit. Despite these alerts, two derogatory accounts were reported without my knowledge or authorization. 

The first is from XXXX XXXX ( account XXXX XXXX XXXX XXXX XXXX ), listed as a child support-related account with a {$6600.00} balance. TransUnion reports it as charged-off and Equifax lists it as open and 120 days late, with Equifax showing a monthly payment of {$870.00}. The second is a XXXX XXXX credit card ( XXXX XXXX, account XXXXXXXX XXXX XXXX XXXX XXXX  ) with a balance of {$8300.00}. It appears as a charge-off on all three bureaus, was opened in XX/XX/XXXX, and no monthly payments are listed. None of these accounts were opened by me, and I was never contacted by any creditor to verify an application. 

These entries are damaging my credit scores ( 603 TU, 597 EXP, 632 EQF ) and were reported in violation of the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-1 ( h ) and 15 U.S.C. 1681e ( b ), for failing to follow fraud alert procedures and for not ensuring accuracy. I am requesting immediate deletion of these accounts, a full investigation, and assurance that proper fraud protocols will be enforced going forward.

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 2025-05-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I sent a check by bank to Navient for my XX/XX/XXXX payment. The payment was sent on XX/XX/XXXX and processed XX/XX/XXXX. The payment was never applied to my loan. The payment was for {$120.00}. I just want someone to look up the check, see that the company Navient processed the check, and never applied the monies to my account. I have been trying to fix this since XXXX. The company suggested that the check wasnt processed until XX/XX/XXXX. But I had sent a payment in XXXX on the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
Citibank AAdvantage Mastercharge Account opened XX/XX/XXXX no fee for a year On XX/XX/XXXX received a statement for {$99.00} for the current year as promotion ended.

I called to cancel the card. I was sent to an agent who stated that she can get me the card with {$0.00} annual fees. No mention of a new card or a new account # or benefits that I would no longer have!!. I asked and received the answers ( that I had to pull out of agent since she was not forthcoming - XXXX was her name ). Not a good way to do business! I agreed to the terms and received a text with the disclaimer which let me know the new terms. By going into my account online, the balance was then transferred over to the new card including the {$99.00} that should have been credited since that account was closed on XX/XX/XXXX! 
I called again XXXX to find out why a bogus balance was put on a card that I had not even received yet. I was told that the balance would be {$0.00} ( which it should be ). I was told that it would take 59 days for that balance to be eradicated. (???? as it should not have been put on the new card - period. ) I told them that I would not be paying that bill as none of it was NOT due. They assured me it was not due, and no penalty or interest would accrue.

I called again on XX/XX/XXXX to close the 2nd account after they told me the balance was {$0.00}. I was switched to 2 other people for a very hard selling experience so that I would keep the account open ( less APR, Higher credit etc. ) NO WAY! Finally, afte
r 1/2 hour on the phone, I was able to get the 2nd account closed. 
Today XXXX, I received an email from Citi with a statement for the new account with the same erroneous balance ( including the {$99.00}! ) The statement was dated for a XXXX due date. Have I mentioned that the email I received today on XXXX?!!!!! 
I called again and went online to find out that the account has indeed been closed and the balance is {$0.00}!

The bank is sending out bogus statements to consumers. Someone needs to look into their practices. I would NEVER do business with this bank ever again.

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