vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 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: FL

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-11-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: KEYCORP
State: UT

Complaint narrative:
In XX/XX/year>, my KeyBank checking account overdrafted and funds were automatically drawn from my KeyBank line of credit. I attempted to resolve the issue immediately after receiving a late notice in XX/XX/year>, visiting my local branch in person on multiple occasions ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). 

Each time, I was told the issue would be resolved first by employee XXXX XXXX, then by Branch Manager XXXX XXXX, and later by XXXX XXXX. Despite these assurances and my in-person authorization paperwork, no payment was processed by KeyBank. 

As a result, my account was reported delinquent to the credit bureaus, damaging my credit score, and prohibiting me from conducting business. I ultimately had to figure out how to make the payment myself through a third party payment processor on XX/XX/year>, including fees that should not have been charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: AL

Complaint narrative:
I am submitting this complaint as a consumer seeking accurate and verified reporting across all credit bureaus. The accounts listed below appear to be inaccurate, unverifiable, or reported in error. I am requesting a formal investigation and verification under the Fair Credit Reporting Act ( FCRA ) Sections 602 and 611, as well as permanent removal of any information that can not be fully verified as accurate and current. 

1. Charged Off Account XXXX XXXX XXXX XXXX ( Account # XXXX ) This account should not be listed as charged off. It was included in XXXX  XXXX Bankruptcy ( Case # XXXX, filed XX/XX/XXXXXXXX  ) and should reflect a {$0.00} balance with the correct bankruptcy notation. Please update or delete this tradeline. 

2. Inquiries XXXX ( XX/XX/XXXX ) I did not authorize this inquiry and have no record of a credit application with this entity. Please remove it from my credit report as an unauthorized inquiry. 

3. Late Payment Reporting XXXX ( Acct # XXXX ), XXXX ( Acct # XXXX ), XXXX  ( Acct # XXXX ) These tradelines are reporting late payments that are inaccurate. My payment history does not reflect any delinquencies for these accounts. Please verify with the furnishers and correct or delete the late payment data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: GA

Complaint narrative:
Come closed my account on XXXXXX/XX/year> without my knowledge because I filed for XXXX  XXXX bankruptcy. My account was not overdrawn, they closed it and did not give me my money, which is about {$1500.00}. When I contacted them .. several times, I am being told that they closed my account and I will not receive a refund of the money that was in my account and it is nothing else that they can do. I do not over come any money and I dont understand why they would just close my account without my knowledge or without allowing me to get my money out of my account. Now they are saying I have a XXXX balance but they cant tell me where my money is and how I would be able to receive the money in my account. My come account is listed on my bankruptcy paperwork as an asset and my lawyer stated they should never closed it. Now I literally have no money and can not pay my bills, eat, put gas in my car or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
DEBT COLLECTOR HAS FAILED TO PROVIDE THE NECESSARY DOCUMENTATION TO SUCCESSFULLY VERFIY THE ACCOUNT IT IS ATTEMPTING TO COLLECT A DEBT ON. DEBT COLLECTOR MUST CEASE ALL COMMUNICATION THROUGH ALL MEDIUMS THAT INCLUDES MY CREDIT REPORT, UNTIL FURTHER INVESTIGATION CAN BE DONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: Global Lending Services LLC
State: FL

Complaint narrative:
A hard inquiry was made by Global Lending Services without my consent as there are no past due payments. The rep stated that she does not know why I have a hard inquiry and need to call transunion to remove it. XXXX  rep stated that was not there doing and I need to submit a CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-11-07 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-11-07 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: GA

Complaint narrative:
I am writing to dispute certain accounts reported on my Experian credit report, as they contain inaccuracies that I believe violate my rights under the Fair Credit Reporting Act ( FCRA ). I request that the following entries be investigated and corrected or removed if the information is unverifiable. 

XXXX XXXX Account Number : XXXX Date Reported : XX/XX/XXXXXXXX  Balance : {$3200.00} I dispute the accuracy of the balance and account status reported on this entry. Please investigate and either correct the balance or remove the account if it can not be verified. 

XXXX Account Number : XXXX Date Reported : XX/XX/XXXXXXXX  Balance : {$9800.00} I am disputing this account due to potential inaccuracies in both the reported balance and the payment history. Please review this entry and provide verification or remove it from my credit report if it can not be substantiated. 

XXXX XXXX XXXX Account Number : XXXX Date Reported : XX/XX/XXXXXXXX   Balance : {$28000.00} I dispute the validity of this account. I request that the entry be verified and, if no evidence is provided, that it be removed from my credit report. 

XXXX XXXX XXXX 

Account Number : XXXX Date Reported : XX/XX/XXXXXXXX  Balance : {$4500.00} This account is being disputed due to concerns over the balance and reporting. I request that the information be corrected or removed if it can not be verified. 

XXXXXXXX XXXX XXXX 

Account Number : XXXX Date Reported : XX/XX/XXXXXXXX  Balance : {$11000.00}

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 2025-11-07 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: IL

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 2025-11-07 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: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: VA

Complaint narrative:
I am writing to express my deep concern regarding the disputed accounts currently appearing on my credit report. I have raised these inaccuracies multiple times and consistently requested thorough investigations. However, despite my continued efforts, I have not received a resolution or seen any meaningful progress. These erroneous accounts are having a serious impact on my credit standing and are creating significant barriers in my everyday life. The consequences of these reporting errors have caused ongoing hardship, and I am left with no alternative but to urgently seek your assistance in resolving this matter. I respectfully request a comprehensive investigation into each disputed account and that immediate corrective action be taken to update my credit report accordingly. Restoring the accuracy of my credit file is essential to regaining control over my financial future. I urge you to treat this matter with the highest priority and take swift, decisive action. Thank you for your prompt attention and support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CO

Complaint narrative:
XXXX Dear Chime Disputes Team, I am writing to formally request a reinvestigation of my recent unauthorized transaction dispute, which was denied. The charges in question are multiple transactions labeled as XXXX that appeared on my Chime account. 

I did not authorize these charges, nor did I benefit from them in any way. I use an XXXX and do not use XXXX XXXX, nor have I made any purchases through XXXX or its services recently. I have also verified through my XXXX account ( via XXXX and XXXX ) that there are no matching transactions or recent purchases associated with my XXXX account. 

Under Regulation E ( 12 CFR 1005 ), I request that Chime conduct a full reinvestigation of my claim and provide documentation explaining how your investigation determined that I authorized these charges. Please provide the specific evidence or merchant information Chime relied upon in denying my claim. 

Additionally, I have taken steps to secure my accounts, change passwords, and lock my debit card to prevent further unauthorized activity. I am attaching supporting screenshots showing the disputed transactions on my Chime account and the absence of any corresponding XXXX XXXX or XXXX XXXX  charges. 

Given the information provided, I respectfully request that Chime reverse these unauthorized charges and issue a provisional credit pending reinvestigation, as outlined in Regulation E. If this is n0t done, I will be forced to file a CFPB complaint and take Legal Action against Chime. 

Thank you for your prompt attention to this matter. I look forward to your response and the documentation regarding your findings. 

Sincerely, XXXX - Dispute number

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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:
I am writing to dispute the following negative items on my credit report as provided to me on [ Insert Report Date ]. The details of the items are as follows : 1. XXXX XXXX Account Number : [ Account Number ] Amount Past Due : {$1000.00} Remarks : Unpaid balance reported as a loss by the credit grantor. 
Status : Charge Off I believe this entry is inaccurate and requires further investigation. I request that you conduct a thorough investigation of the listed account, as I have no record of this debt being charge-off. 
Please confirm that the necessary steps will be taken to correct or remove this error from my credit report. Per the Fair Credit Reporting Act, I expect to receive written verification of the results of your investigation within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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:
This entry is not accurate and mischaracterizes my payment behavior. I request prompt correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Movement Mortgage LLC
State: NC

Complaint narrative:
XXXX XXXX, with Movement Mortgage inflated both my non-taxable gross income and my taxable income ( social security disability ) by 25 %. He left several documents blank with the exception of the portion for my notarized signature, to include a document to the SSA that would allow him access to medical and other records that he has absolutely no business requesting. He misrepresented the type of loan ( cash out vs refinance ) in the final closing documents, lied to my wife over the phone regarding the social security information and income, counted income that does not exist, lowered my credit score by XXXX points to a XXXX in order to get easier approval at a higher rate, and has been dishonest and misleading throughout the entire process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are 10 accounts from Dept of EdXXXX that are reporting inaccurate information. I have reached out several times to XXXX with no resolve for several months including XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> giving sufficient time to resolve the issues. This is causing me XXXX  stress in the tough economic times when I apply for credit I'm denied due to the large amount of inaccurate information.

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 2025-11-07 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: NV

Complaint narrative:
I found incorrect details in my personal profile, including outdated or unfamiliar names, addresses, phone numbers, and employment history. Some of this information is not associated with me, and these inaccuracies could lead to misidentification or confusion with others. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my personal information. I am requesting a full investigation and prompt correction of these errors.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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:
I am submitting this filing to dispute several inaccurate entries on my credit report. Below are the details of the accounts in dispute for each credit bureau. 

Charged Off Accounts : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$0.00} Inquiries : XXXX XXXX  Date of Inquiry : 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 explanation