vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-12-03 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: NC

Complaint narrative:
I have been fighting fraudulent information on my credit report due to identity theft. I have placed fraud alerts on my credit reports and under federal law all information related to identity theft is supposed to be blocked which currently has not happened.

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 2025-12-03 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: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-12-03 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I received a call from a woman on XX/XX/year> claiming to be from XXXX Bank and she said they had a credit inquiry from someone using my name and social security number with a different address and state. She asked me to remain on the line while she transferred me to an XXXX to resolve the matter. A person answered at the transferred number and identified himself as XXXX XXXX the XXXX working for Experian and said I could call him back at ( XXXX ) XXXX. He stated there have been numerous inquiries into my credit with applications not from me. When he started asking me to verify account numbers ; I told him I wouldnt discuss that on the phone. My caller ID identified him calling back 3 times on XX/XX/year> ; but, I didnt answer the call. I went to the Experian website, logged in and put a 12 month fraud alert on my account. I believe this individual doesnt work for Experian and is attempting to commit identity fraud with my 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 2025-12-03 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 explanation
Consumer complaint received 2025-12-03 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: PA

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX and Experian have violated my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by reporting an unverified, inaccurate, and unauthorized collection account to my credit report. 

A collection account from XXXX XXXX XXXX suddenly appeared on my Experian report with the following inaccurate and suspicious information : Date opened : XX/XX/year> Reported balance : {$210.00} Original balance : {$65.00} Balance date : XX/XX/year> Status : Collection account I was never contacted, never mailed a validation notice, and never provided the legally required XXXX dispute window under FDCPA XXXX ( a ). 

I was also never provided the required XXXX notice or any fee-waiver determination if this debt is government-related, which is required before any reporting or collections can occur. 

No debt validation was ever sent to me, yet XXXX XXXX XXXX reported this account to Experian anyway. 
This violates : FDCPA XXXX ( a ) ( failure to provide validation notice ) FDCPA XXXX ( false/misleading representation ) FCRA XXXX ( a ) ( furnishing inaccurate information ) FCRA XXXX ( failure to conduct reasonable investigation ) In addition, the balance increased from {$65.00} to {$210.00} without explanation or documentation. 
The dates and information reported are inconsistent, arbitrary, and inaccurate. 

I dispute this account entirely and have requested validation and removal from both XXXX XXXX XXXX and Experian. Neither has provided any documentation proving the debt exists, belongs to me, or was legally permitted to be reported

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: VA

Complaint narrative:
I am submitting an urgent complaint due to the continued reporting of fraudulent and inaccurate information on my credit reports and the failure of the credit bureaus and the furnisher ( XXXX ) to comply with the Fair Credit Reporting Act ( FCRA ). This situation involves identity theft, ongoing harm, and a refusal by the companies to take the legally required corrective actions. 

A XXXX credit card account that does NOT belong to me was added to my credit file as a result of identity theft. I never opened, used, or authorized this account. The fraudulent account is reporting negative information, including derogatory marks, which is causing immediate and ongoing damage to my credit profile and financial wellbeing. 

I submitted formal disputes to the credit bureaus and XXXX, citing my rights under the FCRAincluding 15 U.S.C. 1681g, 15 U.S.C. 1681 ( a ) ( 4 ), 1681i, and 1681c-2which require consumer reporting agencies and furnishers to fully investigate, block, and delete all identity-theft-related information once properly notified. I provided supporting documentation, including identity theft reports and proof of valid personal identifying information. Despite this, the fraudulent XXXX account has NOT been removed. 

In addition to refusing to delete the fraudulent account, the credit bureaus are still reporting : Outdated and inaccurate personal information ( old addresses, old phone numbers, former employers ) Unauthorized credit inquiries directly connected to the identity theft Negative reporting triggered by fraudulent activity These errors violate federal law, and the companies have failed to meet their obligations under the FCRA, including the duty to : Conduct a reasonable investigation Block identity-theft-related information within XXXX business days of receiving proper documentation Remove inaccurate, incomplete, or unverified information Provide a full and accurate disclosure of my file Their lack of action is causing immediate and substantial harm, including credit score damage, credit denials, and emotional and financial distress. 

I am requesting immediate CFPB intervention to ensure : XXXX. The fraudulent XXXX account is permanently deleted. 
XXXX. All negative reporting tied to identity theft is removed. 
XXXX. All unauthorized inquiries are removed. 
XXXX. All outdated or inaccurate personal information is corrected. 
XXXX. The companies comply with all applicable FCRA requirements without further delay. 

This matter is urgent, and I am requesting expedited review Please refer to the attachments below

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 2025-12-03 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: TX

Complaint narrative:
This account does not belong to me and is being reported inaccurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
I had an offer to get extra ( I think it was XXXX, maybe XXXX bonus incremental earn above base earn or category ) rewards over and above the base earn on any transaction. So, that should mean that if I earned XXXX on XXXX Wholesale transactions, I should earn that XXXX base and then another XXXX on top of that, so I should earn XXXX points. Bank of America though is bilking me and giving me 1 % rewards on XXXX wholesale and then XXXX on the bonus rewards. In fact, if it was an ONLINE transaction which these were mostly, I should have got 3 % Online transaction Rewards earn PLUS the Bonus rewards earn offer this XXXX and 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 2025-12-03 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: CA

Complaint narrative:
I am submitting this complaint because Experian has repeatedly failed to properly reinvestigate and correct an inaccurate late payment being reported on my credit file by XXXX XXXX, Account XXXX. XXXX. I first disputed this error on XX/XX/XXXX, and sent a follow-up notice on XX/XX/XXXX. Experian has not provided any documentation, verification, or supporting evidence proving that the XX/XX/XXXX late payment they continue to report is accurate. They also failed to provide details of their reinvestigation or identify the furnisher who allegedly verified the information. This violates the Fair Credit Reporting Act, including XXXX obligations under XXXX U.S.C. XXXX to conduct a reasonable reinvestigation and remove unverifiable information. Since Experian has been unable or unwilling to obtain verification from XXXX XXXX, federal law requires the deletion of the disputed information under XXXX ( a ) ( XXXX ) ( A ). Experians continued reporting of this unverified late payment has caused ongoing harm to me and demonstrates negligent or willful noncompliance.

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 2025-12-03 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: AZ

Complaint narrative:
Review the materials youve been given ; the inquiries arrived abruptly and might not carry approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: MI

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-12-03 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: MI

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-12-03 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: GA

Complaint narrative:
I WANT THIS INACCURATE ACCOUNTS BLOCKED AND REMOVED FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS

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 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
During an XXXX XXXX flight they advertised 0 % interest and XXXX miles. They said it was a special inflight offer that I would have to use the code to get this specific offer. Used the card to make some purchases under the assumption I'd have time of 0 % to pay it off. After reviewing my account I realized they charged interest. Upset and confused, I called to speak to customer service and was not able to have anything resolved. I started to search the internet and see if others experienced the same thing and found a few post with the exact scenario I encountered.

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 2025-12-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Chime Financial Inc
State: VA

Complaint narrative:
Between XXXX and XX/XX/2025, I used XXXX XXXX paycheck advance program. Each month, I borrowed advances and paid instant advance fees, but my repayments did not match the amounts disclosed. Instead, balances were inconsistently rolled forward, sometimes showing underpayments, sometimes exact matches, and sometimes unexplained excess charges. 
Here is the monthbymonth record I documented : XX/XX/2025 : Prior balance {$310.00}, advances {$850.00}, fees {$20.00}, total owed {$1100.00}, payments {$1100.00}, new balance {$89.00}. 
XX/XX/2025 : Prior balance {$89.00}, advances {$790.00}, fees {$16.00}, total owed {$890.00}, payments {$890.00}, balance {$0.00}. 
XX/XX/2025 : Advances {$540.00}, fees {$8.00}, total owed {$550.00}, payments {$320.00}, new balance {$220.00}. 
XX/XX/2025 : Prior balance {$220.00}, advances {$1200.00}, fees {$20.00}, total owed {$1500.00}, payments {$1500.00}, balance {$0.00}. 
XX/XX/2025 : Advances {$1400.00}, fees {$20.00}, total owed {$1500.00}, payments {$1000.00}, new balance {$500.00}. 
XX/XX/2025 : Prior balance {$500.00}, advances {$970.00}, fees {$20.00}, total owed {$1500.00}, payments {$1000.00}, new balance {$490.00}. 
XX/XX/2025 : Prior balance {$490.00}, advances {$1000.00}, fees {$18.00}, total owed {$1500.00}, payments {$1500.00}, balance {$0.00}. 
Across these XXXX months, I borrowed {$6900.00} in advances and paid {$120.00} in fees. My total repayments were {$7300.00}, leaving me with a net overpayment of {$550.00} compared to the advances I actually received. 
Despite contacting Chime customer service multiple times, representatives denied that any repayment adjustment program exists and disconnected calls without resolution. My concern is that Chime systematically collected repayments in excess of the amounts disclosed, using rolling balances to mask overcharges, and is refusing to acknowledge or correct the overpayments. 
I am requesting that Chime review my repayment history for XXXX 2025, confirm the total overpayment of {$550.00}, and issue the appropriate refund or adjustment with interest. I also request written confirmation of my eligibility for repayment adjustments and assurance that repayment policies are communicated clearly to customers going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally explain the circumstances surrounding the theft and unauthorized use of my XXXX debit card. I am requesting that my case be reviewed again, as I have been wrongfully held responsible for fraudulent transactions that I did not make. 
My XXXX card was stolen before I ever had the opportunity to use it. The individual who stole my card is of the same race as me, which I believe led to confusion and the incorrect assumption that I was the person who made the transactions. I want to be very clear : I did not make these charges, and I was not in possession of the card when the fraud occurred. 
My mailbox is located on XXXX XXXX, at a distance from my home, which makes it vulnerable to theft. I also regularly travel to my parents house to pick up my mail, so I am not always present when mail is delivered. I had no knowledge that my XXXX  card had arrived or had been taken until I realized funds were missing. 
Once I discovered the fraud, I took every step required of me : I filed police reports documenting the theft and unauthorized transactions. 
I contacted XXXX immediately to report the issue. 
I submitted a claim with Bank of America. 
I provided all information requested and fully cooperated with the investigation. 
Despite all of this, my claim was denied, and I am now being told I am responsible for the damages. I am simply asking for what I rightfully earned. I had no involvement in this theft, and I have no idea how the individual obtained my card or my information. 
I respectfully request that my case be reopened and fully reconsidered. The denial has placed an unfair burden on me, and I am only asking to recover the benefits that were stolen before I ever had access to them.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation