vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MN

Complaint narrative:
I am filing this complaint because Chime unexpectedly closed my bank account without warning or explanation, causing significant inconvenience and financial harm.

I opened my Chime account in XX/XX/XXXX and used it for direct deposit and bill payments. On XX/XX/XXXX, I was informed that Chime had closed my account effective immediately, with no notice or explanation. 

I contacted customer support multiple times ( on XX/XX/XXXX, and XXXX ) asking why this occurred and to request the immediate release of my funds. Chime responded that the closure was per policy, but did not provide any specifics. My remaining balance was eventually released on XX/XX/XXXX, but by then I had already missed my rent payment ( late fee of {$75.00} ) and incurred overdraft fees ( {$35.00} ) at another bank in order to make essential purchases.

This abrupt closure and lack of communication caused me financial loss and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: DC

Complaint narrative:
I am writing to demand the immediate and permanent removal of fraudulent accounts and unauthorized inquiries that have reappeared on my credit report, despite having been previously deleted.\n\nThese items were already disputed and removed after I submitted an Identity Theft Report. However, they were later reinserted without proper notice or verification, which violates FCRA 611 ( a ) ( 5 ) ( B ). Now, I am formally requesting that these items be permanently BLOCKED AND REMOVED FROM MY CREDIT REPORTS AND ALL THREE CREDIT BUREAU under FCRA 605B.

HARD INQUIRIES AND ACCOUNTS THAT KEEP POPPING BACK UP ON MY REPORT 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 I have enclosed the following documents, as required by law : \n 1. A notarized affidavit affirming I did not authorize or open the disputed accounts.\n 2. A copy of my FTC Identity Theft Report.\n 3. A copy of my government-issued ID.\n 4. Proof of my current address.\n 5. A list of the fraudulent accounts and inquiries.\n\nUnder FCRA 605B, you are required to block this fraudulent information from my report within four ( 4 ) business days of receiving this request and supporting documentation. This is not optional, and I am exercising my rights under federal law.\n\nPlease send written confirmation that these items have been permanently removed and blocked from reappearing in the future. Also, provide an updated copy of my credit report reflecting these changes.\n\nIf you fail to comply, I will escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) , the Federal Trade Commission ( FTC ) , and may seek legal recourse for damages under the FCRA.

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 2025-06-29 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: LA

Complaint narrative:
There are items on my credit that shouldn't. I have disputed these items several times asking for these documents. I there was no thing sent to me.

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 2025-06-29 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-06-29 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: CA

Complaint narrative:
I recently immigrated to the United States from XXXX. On XX/XX/XXXX, while applying for auto insurance, I discovered that LexisNexis had falsely attributed a motor vehicle accident dated XX/XX/XXXX to me through a CLUE Auto Report. 

This is factually impossible. I did not reside in the United States at the time of the alleged accident, had no U.S. driver 's license until XX/XX/XXXX, and had no Social Security Number at the time of the alleged accident. At the time of the alleged accident, I was living in XXXX and was not present in the United States. I can verify this with extensive evidence. 

Despite these facts, LexisNexis allowed this inaccurate record to appear in my consumer file, which has since been relied on by multiple insurers. As a result, I had to be excluded from the auto insurance policy for the car I share with my spouse. This has caused me financial and emotional harm. 

This constitutes a clear failure by LexisNexis to comply with its obligations under the Fair Credit Reporting Act, specifically its duty to maintain reasonable procedures to ensure the maximum possible accuracy of consumer information. Matching an accident record to someone who did not exist in any U.S. system at the time- no license, no SSN, no residence- demonstrates an egregious failure of basic data verification. 

I contacted LexisNexis on XX/XX/XXXX and XXXX to ask them to remove the inaccurate information from my consumer report. The agent was obstructive and unhelpful and requires more training in relation to FCRA obligations. I clearly articulated my complaint to the agent and stated the factual impossibility that I could have been involved in an accident when I was not a US person at the time and was not physically present in the United States at the time. The agent did not advise me of my rights under the FCRA and did not help me lodge a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: TX

Complaint narrative:
[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] [ Creditor or Credit Bureau Name ] [ Their Address ] [ City, State, ZIP Code ] Subject : Request for Account Details Not a Dispute To Whom It May Concern, I am writing in regard to the closed auto loan account listed under account number XXXX, which appears on my credit report. Please note that I am not disputing this account or its reporting. However, I am requesting additional details for my personal records. 

Specifically, I am requesting the following information associated with this account : The date of first delinquency. 

The date of last payment. 

The date of charge-off, if applicable. 

I would appreciate your assistance in providing this information at your earliest convenience. If any additional authorization or documentation is required from me to process this request, please let me know. 

Thank you for your time and cooperation. 

Sincerely, [ Your Full Name ] [ Last 4 digits of SSN if required or applicable ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: TX

Complaint narrative:
[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] [ Creditor or Credit Bureau Name ] [ Their Address ] [ City, State, ZIP Code ] Subject : Request for Account Details Not a Dispute To Whom It May Concern, I am writing in regard to the closed auto loan account listed under account number XXXX, which appears on my credit report. Please note that I am not disputing this account or its reporting. However, I am requesting additional details for my personal records. 

Specifically, I am requesting the following information associated with this account : The date of first delinquency. 

The date of last payment. 

The date of charge-off, if applicable. 

I would appreciate your assistance in providing this information at your earliest convenience. If any additional authorization or documentation is required from me to process this request, please let me know. 

Thank you for your time and cooperation. 

Sincerely, [ Your Full Name ] [ Last 4 digits of SSN if required or applicable ]

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 2025-06-29 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am XXXX XXXX member. In the past I was charged very little if anything when checking in because I use my points. On XX/XX/25 at XXXX I arrived at XXXX XXXX and checked into the hotel. The rep was aware that I was using my points. XXXX XXXX rep ( said he was from XXXX ) told me the charge would be {$55.00} for incidentals. I used my Wells Fargo card to pay for the charges. When I got to my room I later checked my checking acct. I was not charged {$55.00} but instead {$60.00}. I turned my card off immediately. The next day I woke up to a notification that another charge of {$70.00} had been ATTEMPTED to be deducted from XXXX. It was declined. The next night of my stay I did not turn my card off after using it. The next morning there was a {$70.00} charge deducted by XXXX. When I asked about it not XXXX person could tell me why all this money was taken from my acct. I did not have a bar or even water in my room. I did not get anything and have it added to my tab. I did not have room service. Attached is what XXXX gave me. Both charges are still showing as pending on my acct and have not been released. A total inconvenience XXXX XXXX is telling me to reach out to my bank. Which I have filed a report. My funds are still being held and not released. XXXX and XXXX when I didnt get anything.

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 2025-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: OH

Complaint narrative:
Never received any documentation before receiving a summons from Weltman, Weinberg & Reis. Send two emails with no response to Weltman , Weinberg & Reis from the email address on the summons letter. Claim to be the lawyer in the lawsuit on the summons letter being the plaintiff is XXXX XXXX. When asking for a debt verification letter I was sent statements from XXXX XXXX with a whole bunch of blocked out account numbers and was sent a file number from Weltman, Weinberg & Reis with blocked out account numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: DE

Complaint narrative:
I am filing this complaint due to multiple unresolved inaccuracies and reporting errors on my credit file with TransUnion. 

Despite multiple previous attempts to dispute these items, the credit reporting agency has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to ensure maximum possible accuracy as required by 15 USC 1681e ( b ) and to properly reinvestigate under 15 USC 1681i ( 5 ).

I am requesting immediate investigation and correction/removal of the following : Inaccurate Personal Information : Current address is : XXXX XXXX XXXX XXXX XXXX, DE XXXX Remove outdated/incorrect address : XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX incorrect employer : XXXX XXXX Remove 7 Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were either unauthorized or no longer reflect any active, initiated credit application. 

Remove 4 Inaccurate Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate dates ( opened, last activity, closed ), creditor type, and remarks. 

Does not match XXXX  or XXXX  reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Discrepancies in opened date, last activity, closed date, and remarks. 

Reporting conflicts with XXXX  and XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Last verified date, date opened, and date of last activity are all incorrect. 

XXXX XXXX XXXX XXXX Errors in dates ( verified, opened, closed ), creditor type, and activity info. 

These errors violate my right to accurate reporting and have caused material harm. 

Harm Caused : I was denied credit and housing opportunities due to these inaccuracies. 

I experienced higher interest rates based on false negative information and credit accounts closing due to what TransUnion is reporting creditors say Im high risk because of TransUnion.

This situation caused significant emotional distress and delayed personal financial plans and business opportunities.

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 2025-06-29 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: FL

Complaint narrative:
XXXX is reporting multiple inaccurate items related to an account on my credit reports Specifically, the following fields are incorrect : - Date of last report - Date of last activity - Account type - Payment status - Payment history I have submitted disputes to both XXXX and the credit bureaus, including documentation supporting my claim. However, XXXX has failed to investigate the dispute or correct the inaccurate information as required under the Fair Credit Reporting Act ( FCRA ). and the credit reporting agencies are saying this is verfied as accurate and you can clearly see that is a Lie, there has been no investigations at all they are just going by what the E-oscar is reporting back from computer no real person has done this investigation These inaccuracies are materially affecting my creditworthiness and have gone unresolved despite my good-faith attempts to fix them. XXXX is continuing to furnish unverified and false data, which is a violation of 15 U.S.C. 1681s-2. 

I am requesting the Consumer Financial Protection Bureau to investigate and compel XXXX and the credit reporting agencies to : XXXX. Properly investigate my dispute in full compliance with the FCRA, XXXX. Correct or delete all inaccurate information, XXXX. Provide documentation verifying the accuracy of what they are reporting, XXXX. Cease reporting unverifiable or false information. 

I have attached copies of my dispute letters, credit report excerpts, and related evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX is reporting multiple inaccurate items related to an account on my credit reports Specifically, the following fields are incorrect : - Date of last report - Date of last activity - Account type - Payment status - Payment history I have submitted disputes to both XXXX and the credit bureaus, including documentation supporting my claim. However, XXXX has failed to investigate the dispute or correct the inaccurate information as required under the Fair Credit Reporting Act ( FCRA ). and the credit reporting agencies are saying this is verfied as accurate and you can clearly see that is a Lie, there has been no investigations at all they are just going by what the E-oscar is reporting back from computer no real person has done this investigation These inaccuracies are materially affecting my creditworthiness and have gone unresolved despite my good-faith attempts to fix them. XXXX is continuing to furnish unverified and false data, which is a violation of 15 U.S.C. 1681s-2. 

I am requesting the Consumer Financial Protection Bureau to investigate and compel XXXX and the credit reporting agencies to : XXXX. Properly investigate my dispute in full compliance with the FCRA, XXXX. Correct or delete all inaccurate information, XXXX. Provide documentation verifying the accuracy of what they are reporting, XXXX. Cease reporting unverifiable or false information. 

I have attached copies of my dispute letters, credit report excerpts, and related evidence.

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 2025-06-29 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: KS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block 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 consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$420.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-06-29 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: KS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block 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 consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$420.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief