vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I was previously XXXX and was on a XXXX dollar repayment plan with a XXXX. I have received no correspondence from them although I have been out of town caring for my ailing mother. Ive checked my email and the first thing Ive received for them at all is that my account is past due. This was after I got my alert from XXXXXXXX XXXX saying that I had a past due account. I immediately contacted them and they put me into a forbearance. The girl was talking very fast and I could hardly understand her. When I got onto my credit report, I noticed that my score dropped from XXXX to XXXX. I called them and the girl said there was nothing she could do. I would just have to contact Experian. I asked to speak to a supervisor and she said I could be transferred to somebody else to be told the same thing. I received no bills no emails no sorts of statements and according to the XXXX they are required to send me statements. I have requested that this XXXX be removed from my credit And I am unable to get any assistance. I did a dispute with Experian and within XXXX days, I got a letter back saying there was nothing they could do to help me, but they would forward it to the company that put it on there. I have great credit and do not feel Im being treated fairly. Had I known my plan ended and I needed to contact them I would have done so right away. Again, no statements, no emails and no phone calls.

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 2025-07-17 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: EQUIFAX, INC.
State: WI

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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 request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : 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 explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Chime Financial Inc
State: NJ

Complaint narrative:
In XX/XX/XXXX I deposited a {$450.00} check from state of XXXX Chime took {$450.00} back in XX/XX/XXXXXXXX XXXX months after fact, then I call. They said it was paid out to someone else. I went to XXXX of XXXX, they ask for cancel check. Ask Chime, they said a statement was fine. Went back, that state said no, went to institute and they said no its paid to them. Call yesterday the XXXX of Chime said yes it was paid but the institute requested the money back XXXX  months later. I XXXX can I see this request. Nope this is how it is, I was told. If money was requested back, then Chime is the one that agreed to give it. I would have been able to have records of it. I believe this is absolutely insane. Chime should be held responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I mistakenly paid my credit card bill twice this month. I tried to cancel the payment but XXXXXXXX XXXX told me this could not be done as the payment was in process.When I called Barclays Bank to alert them of my mistake. They originally told me on XXXX XXXX that the extra payment would be credited back to my checking account once the payment was posted. I checked my online checking account daily to see that this occurred. It did NOT. When I called Barclays Bank they gave me a different story. Even after talking to a supervisor I was told that they would only mail me a check to my home address for partial payment of what the double payment amount. I explained that I was currently living at my summer address in Vermont and that this delay involved waiting for forwarded mail, greatly inconvenient. Their supervisor said there was nothing else she could do but awarded me XXXX XXXX XXXX for compensation for this inconvenience. I am outraged by their attitude. It seems to me they should have kept their word and immediately credited my checking account. Although I was glad to get the bonus air miles it hardly helps me pay my bills this month. Now I have to wait for the forwarded check and wait again, once I receive it for the check to clear. Although XXXXXXXX XXXX and Barclays have been polite on the phone neither of these institutions have been terribly helpful in resolving this issue. Please help!

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 2025-07-17 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: Early Warning Services, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Fl XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX XXXX XXXX XXXX am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX ( Open Date : XX/XX/XXXX ) Account # XXXX Routing # XXXX Bank : XXXX  XXXX ( Open Date : XX/XX/XXXX ) Account # XXXX Routing # XXXX Bank : XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # XXXX Routing # XXXX Bank : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # XXXX Routing # XXXX Bank : XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # XXXX Routing # XXXX Bank : XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # XXXX Routing # XXXX Bank : XXXX XXXX XXXX ( Open XXXX ) Account # XXXX Routing # XXXX Bank : XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX ) Account # XXXX Routing # XXXX Bank : XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX ) Account # XXXX Routing # XXXX Bank : XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX ) Account # XXXX Routing # XXXX Bank : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ) Account # XXXX Routing # XXXX Bank : XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX ) Account # XXXX Routing # XXXX Bank XXXX XXXX XXXX XXXX  Open XXXX ) Account # XXXX Routing # XXXX Bank 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 I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the accounts in question. Please remove it immediately. 


Thank you for your assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: FL

Complaint narrative:
Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. 
TRANSUNION XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the fair credit reporting act, has violated my rights.

15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2025-07-17 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: MD

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: IN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc.
State: NV

Complaint narrative:
Unacceptable and Utterly Frustrating! 
On XX/XX/year>, I discovered a significant amount of money missing from my account when I tried to make an ATM withdrawal. I immediately contacted MoneyLion to dispute the charges. I was informed that they would investigate and that I should receive a provisional deposit within 10 days while their investigation, which could take up to 90 days, proceeded. 
However, 10 days later, I received a notice stating the dispute was closed, with no wrongdoing found. This is simply not right. The charges were made in XXXX XXXX, but I live in XXXX, Nevada, and was nowhere near XXXX XXXX when they occurred. 
I had to call back and get the dispute reopened. I was then told the provisional deposit would be expedited, but that still hasn't happened. I've even provided my GPS data for the entire month of XXXX to show my location. I'm at a loss for what more supporting documentation I can provide ; it's been over a month now. I strongly feel they didn't conduct a thorough investigation, likely just making perfunctory online inquiries rather than contacting merchants directly. They even asked if I had tried contacting the merchant, to which I responded that it wasn't my responsibility and I didn't want to impede their investigation. 
I've also submitted a Statement of Fraud to them, which I've attached. 
I've attempted to contact them via email but have received no response, not even confirmation that they received my GPS data. While I get responses through chat, I feel like I'm just getting the runaround. This situation has had a severe impact on me. I lost my job, and that money was my final paycheck, leaving me with {$0.00} in my bank for over a month. 
What's particularly baffling is their fraud protection. For the past two years, my card has been consistently declined when I try to make purchases at my local supermarket, a place I've frequented for 30 years. Yet, a {$650.00} charge in XXXX XXXX goes through without issue. This is in addition to {$500.00} in ATM withdrawals, also in XXXX XXXX, that were also approved. It makes no sense to me that they would decline a local grocery purchase but allow such significant out-of-state charges to a business I've never visited.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Back in XX/XX/year> a {$34.00} transaction occurred with merchant XXXX. I filed a dispute with my credit card company of Paypal Synchrony bank due to misleading item that resulted in me accidentally buying something I did not wish to buy. I thought I was buying a 1 year XXXX membership, but I ended up actually buying a dummy account for XXXX that had a 1 year membership, which is against the terms of service for XXXX. They would ban my account if they found out. I have not used that account and reached out to XXXX and the credit card company, and the credit card company sided with XXXX upon hearing their side. I have no idea what information XXXX provided to the credit card company. They at first on the phone told me that the case was under review still, despite the amount being re-posted to my account, and that I would have to wait until I received a letter in the mail that it was closed and I could appeal it. I called today to find it under review still until I asked further, and the agent told it was closed and they sided with the merchant, and I would not be receiving anything in the mail, and I could re-dispute it, and so I did so. The only reason they gave me to re-dispute it was that I did not receive my credit still, and the agent told me I could not re-dispute it for any other reason, even when I told them that it was against XXXX 's terms of service to buy and sell XXXX accounts, and it was against XXXX 's terms of service to buy and sell XXXX accounts, and that XXXX would ban my account if they were to find out I had an account that was bought. 
Another issue with this transaction, is that the seller on the XXXX website could very easily get the account back from me at any time by changing the login credentials, despite saying it is mine forever. It is stuck to their email address, not an email address of mine. I accidentally bought to own the account, not to rent it, and so therefore it would not be mine permanently. I would never have done the transaction if it was an account. My intention was to only buy a membership for 1 year for 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 monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The Receivable Management Services LLC
State: VA

Complaint narrative:
I am writing to file a formal complaint regarding Receivable Management Services ( RMS ), a debt collection agency that has been contacting me with excessive and harassing phone calls. I reside in Virginia, and the frequency and nature of these calls have caused undue stress and XXXX.

RMS has been calling me multiple times per day, often from different phone numbers. These calls are repetitive, and some have included aggressive or hostile language. I have asked RMS to cease this behavior and to communicate with me in writing, but they have continued to call relentlessly.

This behavior appears to violate the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from engaging in abusive, deceptive, or unfair practicesincluding repeated or continuous calls intended to harass, abuse, or annoy.

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 2025-07-17 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-07-17 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 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 2025-07-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with explanation