vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: AR

Complaint narrative:
Chime took XXXX dollars out of my account on XX/XX/year>, when my employer pay went into my account. I called Chime and the autamative teller stated they could not find a reason for the XXXX dollar removal. I was transferred to a live teller explained the issue. She could not see a reason for the funds removal. She then transferred me to on hold status for an extended amount of time. 
Then this morning my electric was shut off. I had made a payment using Chime to my electric company. The electric company reports my extension date was voided because my payment never went through, however on my chime account it showed the payment did in fact go through.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. XXXX XXXX XXXX XXXX ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of XXXX XXXX XXXX  accounts, XXXX loans, XXXX  loans and XXXX XXXX XXXX consumer accounts. These accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the XXXX inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and XXXX inquiries as reported. The aforementioned accounts, collections and XXXX inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and XXXX  inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and XXXX  inquiries are in fact a result of identity, theft, and fraud.

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 2025-06-03 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: GA

Complaint narrative:
I recently identified fraudulent accounts on my credit report following a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I demand they be blocked and deleted within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXXXXXX XXXX XXXXXXXX : XX/XX/year>

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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the XXXX mentioned stated below : Current Address and Name : My full name is : XXXX XXXX My correct date of XXXX My correct Social Security XXXX My correct address 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 2025-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received notification by my credit monitoring service that a new checking account was opened at Chase bank with my personal information on XX/XX/XXXX. XX/XX/XXXX I contacted XXXX and they verified that an account was recently opened, but could not verify my identity and requested I go into a Chase store to do so. XX/XX/XXXX I went into a Chase location and they informed me that my name, DOB, DL, address, and SSN was used to open a checking account. No activity has occurred on the account so far. They closed the account. I have since received a Chase debit card in the mail dated XX/XX/XXXX and also XXXX letters stating that the account was verified therefore unable to open.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: United PanAm Financial Corp.
State: CA

Complaint narrative:
i pulled my credit report and noticed that XXXX XXXX is on my credit and has written off this account as profit of loss and I know by law you can not keep reporting it if you have wrote it off already

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am disputing an inaccurate tradeline for XXXX Bank XXXX ( XXXX XXXX ) on my Experian credit report. I made a final settlement payment of {$440.00} on XX/XX/XXXX, and XXXX Bank has since provided written confirmation ( dated XX/XX/XXXX ) that my account is closed with a {$0.00} balance. 

Despite this, Experian continues to report the account as charged-off with a {$440.00} balance, which is materially inaccurate and violates the Fair Credit Reporting Act ( FCRA ), as the debt has been fully paid and resolved. 

I previously filed a dispute through Experian, submitted this documentation, and the correction was denied without justification. XXXX XXXX XXXX have both updated the tradeline to reflect a {$0.00} balance and closed status, confirming the accuracy of my claim. 

I am now requesting that Experian immediately correct the tradeline to reflect a {$0.00} balance and settled status or remove the tradeline entirely if XXXX Bank can not verify it accurately.

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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: IA

Complaint narrative:
Ally Financial is reporting an account that was XXXX in bankruptcy as having XXXX payments made during the bankruptcy automatic stay, and after the bankruptcy discharge. Per bankruptcy law there can be NO reporting of any payment activity after the initial filing date of XX/XX/XXXX during the automatic stay, and after the bankruptcy discharge. Reporting XXXX  payment on the XXXX account for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX is in violation of the bankruptcy discharge violation, and must be removed. 

It has reached a point of frustration that XXXX  and Ally are failing to remedy this situation, and forcing me to file an XXXX XXXX  against both company 's in the XXXX XXXX XXXX Iowa Bankruptcy XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: CA

Complaint narrative:
I recently identified fraudulent accounts on my credit report following a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I demand they be blocked and deleted within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXX * * * * * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$1500.00} Inquiries XXXX  Date : XX/XX/XXXX XXXX CARD Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/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 non-monetary relief
Consumer complaint received 2025-06-03 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. XXXX XXXX XXXX XXXX ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of XXXX XXXX XXXX  accounts, XXXX loans, XXXX  loans and XXXX XXXX XXXX consumer accounts. These accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the XXXX inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and XXXX inquiries as reported. The aforementioned accounts, collections and XXXX inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and XXXX  inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and XXXX  inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 2025-06-03 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: FL

Complaint narrative:
I am submitting this complaint because Equifax is inaccurately reporting a charged-off XXXX XXXX account ( partial number XXXX ) that has shown no payment activity or valid updates since XX/XX/XXXX. 

More importantly, the reporting is inconsistent across credit bureaus. While XXXX  shows the account as closed in XX/XX/XXXX, Equifax continues to report it as activewithout any supporting activity or validation. This discrepancy undermines the integrity and reliability of the data.

I previously disputed this account, and no verification or documentation has ever been provided. Additionally, the account lacks required Metro 2 fields, such as scheduled payments and actual payment history post-charge-off, which indicates incomplete and misleading reporting.

These deficiencies violate multiple sections of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : Requires all credit data to be accurate and current.

15 U.S.C. 1681i ( a ) : Requires deletion of data that can not be verified after a consumer dispute.

15 U.S.C. 1681s-2 ( b ) : Prohibits furnishers from reporting unverifiable or outdated information. 

Court precedents such as XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) and XXXX XXXX XXXX University XXXX XXXX XXXX XXXX ) reinforce that when information can not be verified after a proper dispute, it must be removedwithout exception.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: AL

Complaint narrative:
I have contacted experian by XXXX about the inaccuracy on my credit report according to XXXX XXXX and inaccuracy must be investigated and removed they dont have the proper identification or cause. XXXX XXXX XXXX Account XXXX XXXX opened on XX/XX/XXXX and a balance of XXXX. In light of the recent lawsuit against experian XXXX asking for a fair investigation. Credit central account # XXXX opened XX/XX/XXXX. XXXX XXXX XXXX  account # XXXX opened XX/XX/XXXX and balance XXXX. XXXX XXXX XXXX XXXX account XXXX XXXXXXXX opened XX/XX/XXXX balance of XXXX XXXX XXXX XXXX account XXXX XXXXXXXX balance XXXX. Original creditor is XXXX XXXX XXXX XXXX  XXXX XXXX XXXX account XXXX XXXXXXXX and balance of XXXX. Original creditor XXXX CXXXX XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender, I did not authorize a XXXX inquiry on my report. XXXX XXXX XXXX on XXXX I did not authorize a XXXX  inquiry. Please remove 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 2025-06-03 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:
My credit report should only reflect accurate information, which is why its important to verify the accuracy of this data rather than relying solely on what the data furnisher has provided. Its frustrating to see my credit get negatively affected by inaccuracies that arent my fault. I'm deeply concerned about these errors and they've been causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. This situation is unfair and I need you to address this as soon as possible to prevent further damage.

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 2025-06-03 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: NY

Complaint narrative:
My credit report has items that have resulted from fraud. I never benefited from any of these transactions, but rather it did a lot of XXXX to me. I need these XXXX transactions to be removed from my credit report ASAP in order to prevent further XXXX  activity of my information. This is a XXXX XXXX XXXX XXXX  and is incredibly XXXX my rights are being violated which is absolutely XXXX. Do anything necessary to remove them from my report now!

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 2025-06-03 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:
I want my credit report to only reflect accurate information and I hope you know that I take my credit seriously. It's frustrating for me because Ive worked hard to build my credit, and to see it negatively affected by inaccuracies that arent my fault is very disappointing. I'm deeply concerned about the errors on my credit report and these mistakes are causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. This situation is unfair. It is stressing me out and making me anxious.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : 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 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 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 non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
On XXXX [ insert date ], Coinbase charged me {$29.00} for a XXXX XXXX XXXX  that I did not authorize or request. I contacted XXXX  immediately and was told that once the payment was settled, I would receive a full refund within XXXX business days. I have written XXXX records confirming this. 

After waiting and following up, the company is now refusing to issue the refund, citing policy despite their earlier promise. I feel misled and that this behavior borders on dXXXX XXXX XXXX practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-03 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: VA

Complaint narrative:
I recently obtained a copy of my credit report and identified several inaccuracies, including the presence of unauthorized accounts. These erroneous entries have had a significant negative impact on both my personal life and overall credit standing.

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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
As of XX/XX/XXXX a dispute results XXXX XXXXXXXX sent to me by Experian about the account ending in XXXX XXXX would remain on my Experian credit report, as a debt of {$330.00}. The dispute documents sent was a XXXX XXXX on the account, a document from the Irs showing XXXX paid on canceled debt for the year XXXX documents stated XXXX debt owed, for the year period XXXX why Experian reporting this account? that question is for Experian, under XXXX XXXX as a XXXX XXXX  alleged debt? please explain ( or ) you are Experian you do not have to answer to the allege debtor.

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 2025-06-03 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief