vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
* * Equifax Credit Report Access Request * * To Whom It May Concern : I can not access my Equifax credit report. Please provide full access and remove all blocks immediately. 

Name : XXXX XXXX XXXX XXXX : XXXX XXXX : XX/XX/scrub>XXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Thank you. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: TX

Complaint narrative:
Hello i had my account closed by chime due to telling a few representatives off i know this was not ok but everytime it seemed that my issue would not be resolved and i became frustrated i was wondering if there is anyway to obtain a new account with chime on a final warning or something of that sort i truly miss my relationship and i am paying for the mistake and would never do this again i was with you since XXXX please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I mailed this letter to Experian Equifax and Trans Union and they have not updated my personal information I am writing to update/correct my personal information on file with your company. 

Please update my address to : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX City, XXXX, Zip : XXXX, TX XXXX Please remove all the other addresses off my report that are highlighted, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 

My name is XXXX XXXX. Please remove any other aliases. 
Please remove all phone numbers. They do not belong 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 non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I mailed this letter to Experian Equifax and Trans Union and they have not updated my personal information I am writing to update/correct my personal information on file with your company. 

Please update my address to : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX City, XXXX, Zip : XXXX, TX XXXX Please remove all the other addresses off my report that are highlighted, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 

My name is XXXX XXXX. Please remove any other aliases. 
Please remove all phone numbers. They do not belong 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 non-monetary relief
Consumer complaint received 2025-07-20 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: CA

Complaint narrative:
I am writing pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C 1681i ) to dispute inaccurate information appearing on my credit report maintained by your agency. My consumer report includes an address that is inaccurate and not associated with me in any way. 

The address is erroneous, and it's inclusion on my credit file constitutes a violation if my rights under the FCRA. As you are required by law to maintain maximum possible accuracy in the information you report ( 15 1681e ( b ) I request an immediate reinvestigation and removal of the inaccurate address on file. Please find along with this dispute documentation verifying my correct and current home address. 

In accordance with 15 U.S.C 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation failure to comply with these requirements may constitute a willful noncompliance with the FCRA and subject your agency for damages under 15 U.S.C 1681n or 1681o as applicable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The following personal information are wrong : Incorrect Name - XXXX XXXX XXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 

Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX  - The following personal information is incorrect- The personal data reporting is inaccurate.

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 2025-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, I made a series of digital purchases totaling approximately {$8000.00} for the mobile game Raid : XXXX XXXX, published by XXXX These purchases were made using multiple payment processors ( including XXXX, XXXX, XXXX, XXXX ) connected to my Huntington National Bank and XXXX accounts. 

XXXX promoted a collaboration with the XXXX XXXX franchise, advertising exclusive champions through time-limited in-game events. However, they never disclosed that these champions would be permanently unobtainable. I relied on their history of bringing back previous champions ( such as " XXXX '' ) and their vague language in support tickets, which repeatedly implied these champions could return. 

Additionally, I purchased high-tier champions like XXXX who were later weakened ( nerfed ) post-purchase without compensation. This diminished the functional value of the virtual goods I paid for, similar to paying full price for a product that is downgraded after sale. 

I contacted XXXX repeatedly via email and in-game support to request clarification and/or refunds. They gave unclear answers for over a year before recently confirming the XXXX  XXXX champions would never return and that no refunds would be offered. 

XXXX XXXX refund policy claims they may issue discretionary reimbursements for virtual goods, but in practice, they refused to acknowledge the misleading marketing or post-purchase devaluation. I submitted physical chargeback dispute packets to both Huntington and XXXX, including a full list of transactions, screenshots of marketing materials, email correspondence between me and XXXX, and a breakdown of payments by method ( credit, debit, XXXX XXXX, XXXX, etc. ). 

To date, I have not received any acknowledgment or updates from XXXX and limited automated responses from XXXX ( a letter letting me know they have received my packet ). No provisional credit has been issued. I feel the banks are not fulfilling their obligation to investigate valid disputes involving deceptive or misleading merchant conduct. 

I am requesting a full review of my case and the associated documentation already mailed to both banks. If the banks fail to assist, I am prepared to escalate this matter further.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Inaccurate & unverified information was recently reported on my Experian credit report. According to the Fair Credit Reporting Act ( FCRA ) Law 15 U.S.C. & 1681, the recently late payments & false information reporting must be removed ASAP.

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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
My name is XXXX XXXX Im reporting the out date information of previous address linked under my credit that I would like permeated deleted to help restored and fix my credit I no longer live at these addresses I would like the following deleted I will also my recent lease to my current address XXXX XXXXXXXX XXXX XXXXXXXX XXXX LA XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX gates at XXXX XXXX never lived there XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am submitting this complaint regarding XXXX failure to acknowledge or process my mailed dispute in accordance with the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, my mailed dispute letter was successfully delivered to an individual at the Experian address P.O. XXXX XXXX, XXXX, TX XXXX, confirmed by USPS records ( Exhibit A : USPS tracking results ; Exhibit B : tracking receipt ). According to XXXX own Virtual Assistant, disputes received by mail are reflected in the Alerts section of the consumers online account ( Exhibit C ). 

As of today, XX/XX/XXXXXXXX XXXX days after deliverythere is still no indication in my account that the dispute was received or is under investigation. There are no alerts or messages ( Exhibit D ), and more importantly, no consumer statement or notation on the disputed item as required by the FCRA ( Exhibit E ). 

To ensure consistency, I mailed identical dispute letters and supporting documents to XXXX XXXX XXXX on the same day. Both credit bureaus acknowledged receipt of my disputes, and the disputed account is now marked as disputed in my consumer report, with investigations underway. 

XXXX lack of response, failure to update my credit file, and omission of a legally required consumer statement raise serious compliance concerns. I respectfully request the CFPBs assistance in ensuring that Experian acknowledges and investigates my dispute in a timely and lawful manner.

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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Date : XX/XX/XXXX To : [ XXXX XXXX Experian XXXX XXXX XXXX XXXX or all ] [ Insert credit bureau XXXX XXXX Subject : Dispute of Inaccurate Charge-Off Reporting XXXX XXXX Account Number : XXXX Dear [ Credit Bureau Name ] XXXX XXXX am writing to formally dispute the inaccurate charge-off status reported on my credit file for the XXXX XXXX account listed above. This account is currently listed as charged off with a balance of {$370.00}, despite the past due amount showing {$0.00} and no valid verification of the charged-off status being provided. I previously disputed this account on XX/XX/XXXX, and XX/XX/XXXX, requesting full documentation to validate the negative information. To date, I have not received acceptable proof of the charge-off or an accurate breakdown of the balance. Therefore, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to demand that : You furnish documentation verifying the charge-off status, including : A copy of the original signed credit agreement, A full payment history, Evidence supporting the reported charge-off and balance ; If this documentation can not be produced, I request the deletion of this account from my credit file or the immediate correction of the status to reflect a {$0.00} balance with no charge-off ; Please provide a written explanation of the results of your reinvestigation and an updated copy of my credit report. Reporting a charged-off account with no balance due, and without proper validation, is misleading and violates the FCRA. If this matter is not resolved appropriately, I am prepared to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and explore additional remedies. Please respond within the XXXX period required by law. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Date : XX/XX/XXXX To : [ Equifax / XXXX XXXX XXXX XXXXXXXX XXXX or all ] [ Insert credit bureau XXXX XXXX Subject : Dispute of Inaccurate Charge-Off Reporting XXXX XXXX Account Number : XXXX Dear [ Credit Bureau Name ] XXXX XXXX am writing to formally dispute the inaccurate charge-off status reported on my credit file for the XXXX XXXX account listed above. This account is currently listed as charged off with a balance of {$370.00}, despite the past due amount showing {$0.00} and no valid verification of the charged-off status being provided. I previously disputed this account on XX/XX/XXXX, and XX/XX/XXXX, requesting full documentation to validate the negative information. To date, I have not received acceptable proof of the charge-off or an accurate breakdown of the balance. Therefore, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to demand that : You furnish documentation verifying the charge-off status, including : A copy of the original signed credit agreement, A full payment history, Evidence supporting the reported charge-off and balance ; If this documentation can not be produced, I request the deletion of this account from my credit file or the immediate correction of the status to reflect a {$0.00} balance with no charge-off ; Please provide a written explanation of the results of your reinvestigation and an updated copy of my credit report. Reporting a charged-off account with no balance due, and without proper validation, is misleading and violates the FCRA. If this matter is not resolved appropriately, I am prepared to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and explore additional remedies. Please respond within the XXXX period required by law. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Date : XX/XX/XXXX To : [ XXXX XXXX XXXX  XXXX TransUnion XXXX XXXX or all ] [ Insert credit bureau XXXX XXXX Subject : Dispute of Inaccurate Charge-Off Reporting XXXX XXXX Account Number : XXXX Dear [ Credit Bureau Name ] XXXX XXXX am writing to formally dispute the inaccurate charge-off status reported on my credit file for the XXXX XXXX account listed above. This account is currently listed as charged off with a balance of {$370.00}, despite the past due amount showing {$0.00} and no valid verification of the charged-off status being provided. I previously disputed this account on XX/XX/XXXX, and XX/XX/XXXX, requesting full documentation to validate the negative information. To date, I have not received acceptable proof of the charge-off or an accurate breakdown of the balance. Therefore, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to demand that : You furnish documentation verifying the charge-off status, including : A copy of the original signed credit agreement, A full payment history, Evidence supporting the reported charge-off and balance ; If this documentation can not be produced, I request the deletion of this account from my credit file or the immediate correction of the status to reflect a {$0.00} balance with no charge-off ; Please provide a written explanation of the results of your reinvestigation and an updated copy of my credit report. Reporting a charged-off account with no balance due, and without proper validation, is misleading and violates the FCRA. If this matter is not resolved appropriately, I am prepared to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and explore additional remedies. Please respond within the XXXX period required by law. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am disputing the inaccurate reporting of late payments on my student loan account. The reported delinquencies occurred during an approved deferment period, during which no payments were due. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumers are entitled to accurate reporting. Additionally, according to 34 CFR 685.205 ( b ) under the Higher Education Act, federal student loans in deferment must not be reported as late or delinquent. 

Despite multiple attempts to resolve this directly with the loan servicer, the inaccurate information has not been corrected and I have received no adequate response.

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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am disputing the inaccurate reporting of late payments on my student loan account. The reported delinquencies occurred during an approved deferment period, during which no payments were due. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumers are entitled to accurate reporting. Additionally, according to 34 CFR 685.205 ( b ) under the Higher Education Act, federal student loans in deferment must not be reported as late or delinquent. 

Despite multiple attempts to resolve this directly with the loan servicer, the inaccurate information has not been corrected and I have received no adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: NV

Complaint narrative:
I wanted to inform you that I've recently faced a data breach that has compromised my personal information. This incident has caused me significant worry regarding the security of my sensitive data. Due to the breach, there are now fraudulent accounts and debts associated with my name. I would appreciate it if you could consider this when examining my credit report and take appropriate actions to correct any inaccuracies or fraudulent entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I wanted to inform you that I've recently faced a data breach that has compromised my personal information. This incident has caused me significant worry regarding the security of my sensitive data. Due to the breach, there are now fraudulent accounts and debts associated with my name. I would appreciate it if you could consider this when examining my credit report and take appropriate actions to correct any inaccuracies or fraudulent entries.

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 2025-07-20 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: NY

Complaint narrative:
I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. CXXXXe XXXX - Procedure in case of disputed accuracy, and 15 U.S. CXXXXe XXXX ( b ) - Compliance procedures to assure maximum possible accuracy of the information. t recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated : * * Creditor/Collection Agency Name : XXXX XXXX XXXX * Account Number : XXXX * * Amount : {$63.00} * * Date of Account : XXXX Creditor/Collection Agency Name : XXXX Account Number : XXXX Amount : {$2400.00} Date of Account : XXXX Creditor/Collection Agency Name : XXXX BANK XXXX Account Number : XXXX Ammount : {$560.00} Date of Account : XXXX Creditor/Collection Agency Name : XXXX Account Number : XXXX Amount : {$570.00} Date of Account : XXXX Creditor/Collection Agency Name : XXXXXXXX XXXX Account Number : XXXX Amount : {$640.00} Date of Account : XXXX Creditor- Collection Agency Name : XXXX XXXX Account NumberXXXX Amount : {$1000.00} Date of Account : XXXX Creditor - Collection Agency Name : XXXX XXXXXXXX Account numberXXXX Amount : {$0.00} Date of account : XXXX I did not authorize this account and do not recognize the mentioned debt. I request that you investigate this account and remove it from my credit report as soon as possible. 
In accordance with the FDCPA, specifically Section XXXX ( 15 U.S.C. XXXXg ), I request validation of this debt. Please provide me with verifiable proof that this debt belongs to me. 
I appreciate your prompt attention to this matter and look forward to your response in accordance with the FCRA and FDCPA.

Company response to consumer: Closed with non-monetary relief