vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
In XX/XX/year>, American Express closed two of my credit card accounts and issued adverse action letters stating that my accounts were past due and that another account was not maintained in accordance with the terms. These statements are incorrect and do not reflect my actual payment behavior. 
Throughout XXXX, I made multiple payments every month on each of the accounts and consistently paid my minimum due on time, often early. At no time was any account 30 days past due. My payment history was strong, consistent, and well-documented. 
The only irregularity occurred in late XX/XX/year>, when a single returned payment was triggered because American Expresss system repeatedly failed to generate a required PIN for an {$8000.00} cash advance that was available on my account ending in XXXX. I attempted the PIN generation multiple times, but the system continually produced an error and would not allow me to access the funds American Express had made available. Because of this system malfunction, I temporarily redirected funds, which resulted in the returned payment. I immediately paid my minimum due within the same billing cycle, and the account remained current.

Despite this, on or around XXXX XXXX XXXX, American Express issued two adverse action notices stating reasons that were not accurate. The company did not acknowledge the system errors that contributed to the returned payment, nor did it reflect my multiple timely payments. I contacted the company for clarification and spent several hours attempting to resolve the issue, but I was told that the accounts could not be reopened, and the reasons in the adverse action letters could not be corrected.

I requested that American Express review my payment history, review the system errors related to the cash-advance PIN failure, correct the adverse action reasons, and ensure that no inaccurate information was being reported to credit bureaus. These requests were not honored, and the company continued to rely on inaccurate information.

I am requesting that the CFPB require American Express to conduct a full accuracy review, correct the false reasons provided in the adverse action notices, confirm that no inaccurate negative information has been or will be furnished to credit reporting agencies, and reinstate my accounts, which were closed based on information that was incomplete and not reflective of my actual payment behavior.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-14 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
Navient and XXXX  are in clear violation of FCRA 605B ( 15 U.S.C. 1681c-2 ).

I submitted a valid identity theft report, sworn affidavit, and full supporting documents.

Navient acknowledged receipt on XX/XX/year> but has FAILED to block or delete the fraudulent Navient accounts from my XXXX  credit file. 

Under FCRA 605B ( b ) and 605B ( c ), once a furnisher receives an Identity Theft Report and affidavit, they are legally required to BLOCK and REMOVE the fraudulent information from all consumer reporting agencies WITHIN FOUR BUSINESS DAYS.

Navient has not removed the fraudulent accounts and continues to furnish false data. 
XXXX  has also failed to honor my FCRA 605B request and continues to report fraudulent tradelines.

I did NOT apply for, authorize, or have any relationship with Navient. These accounts were created through identity theft and DO NOT belong to me.

The following accounts must be permanently deleted : Navient Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Navient Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Navient and XXXX  have violated : FCRA 605B ( b ) - ( c ) Failure to block within 4 business days FCRA 623 ( a ) ( 6 ) Furnishing information after notice of identity theft FCRA 611 Failure to conduct a reasonable investigation FCRA 607 ( b ) Failure to ensure maximum possible accuracy I have submitted : My sworn identity theft affidavit Government-issued identification Proof of address Full list of fraudulent accounts Copy of Navients acknowledgment email dated XX/XX/year> Screenshot showing XXXX is STILL reporting the fraudulent Navient accounts I am requesting immediate enforcement action and a formal directive requiring : 1. Navient to notify XXXX  and permanently delete ALL fraudulent Navient accounts, and 2. XXXX  to immediately block and remove these accounts under FCRA 605B.

Please compel full deletion of these fraudulent tradelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am documenting willful FCRA violations for immediate federal litigation against Equifax. This is not a dispute- this is evidence preservation for a multi-defendant lawsuit involving systematic credit data fabrication. 

XXXX ACCOUNT # XXXX constitutes XXXX FRAUD : reporting {$4300.00} on Equifax while XXXX  shows {$3800.00} for the same account. This isn't just inaccurate- this is DATA TERRORISM. The account reports through XX/XX/year> - future dates that don't exist in reality. XXXX  already confirmed this was fraud by deleting it, yet Equifax continues this criminal reporting. 

XXXX XXXX XXXX ACCOUNT XXXX XXXX represents IDENTITY THEFT through willful negligence, reporting as charge-off from XXXX. I have never had an XXXX XXXX card or any relationship with XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: WV

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-14 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: Chime Financial Inc
State: PA

Complaint narrative:
On XX/XX/year> a charge of {$380.00} was charged to my checking account. I hadn't authorized this charge. I immediately contacted my bank and was advised that I would have to wait for the charge to go through in order to dispute it. Once it cleared I was then asked to provide documentation to prove I hadnt authorized the transaction. 

Each time I provided information my claim was denied. Ive spoken to various CHIME members, supervisors, they had me file a police report, I had to provide hospital records confirming I was in the office at the time of the charge.

I have appealed the decision 5 times and each time they deny my claim and I am just out of the money. I dont think its fair that I should have to go through all of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: IN

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.

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2025-11-14 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: NV

Complaint narrative:
I HAVE NEVER BEEN LATE ON THE ACCOUNTS LISTED AS DELINQUENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Advertised " no impact to credit score '' yet still pulled credit report. Aka Hard Inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: MD

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 2025-11-14 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: MD

Complaint narrative:
To the Consumer Financial Protection Bureau, I am submitting this follow-up regarding my complaint No. XXXX against IQ Data XXXX . IQ Data has responded, but they have not provided any of the documentation required to validate the alleged debt. Their response only states that the account was assigned to them and that validation documents will be mailed, yet no actual proof or supporting documents were provided. Under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must provide full validation before continuing any collection activity. Proper validation includes, but is not limited to : A copy of the signed lease or contract Itemized move-out charges A complete final statement of account Proof of the creditors ownership or assignment of the debt Documentation showing how the amount was calculated IQ Data has not provided any of these documents. Simply naming the original creditor does not satisfy federal validation requirements. Additionally, I previously issued a cease and desist and debt validation request, meaning IQ Data is legally required to stop all collection activity until validation is provided. Their failure to provide documentation while maintaining that the balance remains due is improper and violates the FDCPA. I respectfully request that the CFPB require IQ Data to : 1. Provide full and complete validation of the alleged debt, or 2. Cease collection activity and remove any reporting associated with this unvalidated debt. Thank you for your continued assistance with this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
EQUIFAX HAS NOT PROVIDED ME WITH A FREE ANNUAL COPY OF MY CREDIT REPORT TODATE XX/XX/year> HENCE THE REASON I FILED MY CFPB COMPLAINT # XXXX AGAINST EQUIFAX. " I WILL NOT LOG INTO ANY WEB SITE TO OBTAIN MY ANNUAL CREDIT REPORT FROM EQUIFAX, AS IT HAS REQUESTED THAT I DO. '' PURSUANT TO THE CREDIT REPORTING ACT, I AM REQUIRED ONE FREE ANNUAL CREDIT REPORT FROM THE THREE CREDIT REPORTING AGENCIES, " AND OF WHICH I REQUESTED THAT A COPY OF MY CREDIT REPORT BE SENT TO ME AT MY MAILING ADDRESS AT XXXX. XXXX WASHINGTON DC FROM EQUIFAX, '' HOWEVER EQUIFAX HAS FAILED AND/OR HAS REFUSED TO HONOR THIS REQUEST.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-11-14 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: AL

Complaint narrative:
I am requesting the removal or correction of the following accounts listed on my TransUnion credit report, as they do not accurately reflect the state of my credit history. 

Charged Off Accounts : XXXX - Account : XXXX, Date : XX/XX/XXXX, Balance : {$0.00} Inquiries : XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX Late Payments : XXXX - Account : XXXX XXXX  - Account : XXXX XXXX  - Account : XXXXXXXX XXXX - Account : XXXXXXXX XXXX  - Account : 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 2025-11-14 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: VA

Complaint narrative:
Dear Sir/Madam, I am submitting this complaint regarding accounts reported on my Equifax credit report. The following accounts are inaccurately reported as charged off, and I request a full investigation into these entries : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} MXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$210.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: NY

Complaint narrative:
I am not associated with these accounts ; they must be deleted within 15 days per USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Chime Financial Inc
State: CA

Complaint narrative:
I am a victim of identity theft. An identity thief has opened or attempted to open accounts at various financial institutions since last month. I have been calling them to clarify that I was not the one who opened the fraudulent accounts, While most of them were cooperative, Chime was very difficult to deal with. After I received the Chime Visa Card in the mail, I called its customer service on XX/XX/year> and first talked to a rep named XXXX. I requested her to close the account, and she demanded the following : a FTC report, a police report and a copy of both sides of my photo ID. I could not file a FTC report at the time due to the government shutdown. I could not file a police report because they will not take my case until I suffer a loss. Since I had no previous dealing with Chime prior to the creation of this fraudulent account, I do not feel comfortable providing a copy of my photo ID. Then she sent me an email stating Chime have taken appropriate action to stop any further activity if any unauthorized accounts were identified. When I asked her what it meant by appropriate action, she just repeated what the email had stated and abruptly hung up. I called again, and talked to a rep named XXXX who just said the same thing as XXXX. He also abruptly hung up. These were the worst customer service experiences I have ever had. Identity theft victims such as myself should not be subject to unprofessional treatment like this. The requirement for the closure of a fraudulent account is also too cumbersome for identity theft victims who already have a lot of problems to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: IN

Complaint narrative:
I am writing to dispute the following accounts that have been inaccurately reported on my credit report. The accounts listed below contain errors that violate the Fair Credit Reporting Act ( FCRA ) due to incomplete or inaccurate reporting. 

Charged Off Accounts : XXXX Account Number : XXXX Date : XX/XX/year> Balance : {$0.00} Inquiries : None Late Payments : XXXX Account Number : 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 2025-11-14 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: ND

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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