vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 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: KS

Complaint narrative:
On XX/XX/XXXX .. there is a pay anyone transaction. For {$40.00}. To a XXXX ... XXXX XXXX XX/XX/XXXX .. there's pay anyone transaction. For {$50.00}. XXXX XXXX XXXX XXXX The person. Who i was trying to send money to. Didn't receive this. So I called. Around XXXX XXXX XXXX XXXXhe XX/XX/XXXX. To let chime know within XXXX. That it was sent to a wrong address it should have sent to XXXX XXXX I was told to request ut back. So I did several time. But. I told them cancel it .. it was within XXXX hours..... I called back later that day. And disputed transaction section. Since I wasn't getting anywhere with .this... I was on the phone. XXXX hour. Before I was ask to verify it was me... I told the person okay I ha XXXX to hang up to get the link on my phone he argued with me and said no I had to do it with him on the phone or I would have to start over.with dispute process. I ask for his supervisor. He said. Oh he will tell XXXX the same .. XXXX mins later. I am able to speak with supervisor. The superior unstood I had. A phone that didn't allow me to do what was ask of me .. so XXXX ask me to log out my account. Log back in. Check the forgot password. And that's how I was able to verify myself to chime. Dispute was filed told them everything... no. XXXX money was funded to my account. XXXX days later i get a message on my chime app. Dispute delckine. And that all I got. No information. On. What or who or even if it was used. Nothing..... I ask chime. Can you provide anything about who I was.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello, I am filing this complaint because the credit bureaus failed to investigate my dispute of false reporting on my credit report. I have contacted them twice so far and most recently they have not corrected the errors on my report and they have not removed them. They have XXXX days to investigate and that is more than enough time. I sent them all verifying docs as well as a detailed explanation as to what the issue is. I am aware of the laws and they can't do that legally. They must remove this stuff from my reports immediately. I am currently looking at other options to resolve this with a consumer rights attorney if this is not fixed.

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 2025-08-09 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: TX

Complaint narrative:
Hello, I am filing this complaint because the credit bureaus failed to investigate my dispute of false reporting on my credit report. I have contacted them twice so far and most recently they have not corrected the errors on my report and they have not removed them. They have XXXX days to investigate and that is more than enough time. I sent them all verifying docs as well as a detailed explanation as to what the issue is. I am aware of the laws and they can't do that legally. They must remove this stuff from my reports immediately. I am currently looking at other options to resolve this with a consumer rights attorney if this is not fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: CA

Complaint narrative:
You officially on notice that there is errant account ( s ) or incorrect information on the credit report and the items below are now disputed per FCRA 611 ( a ). Your companys references on the credit report are wrong because of the lack of completeness and/or accuracy. FCRA 623 ( b ) ( 1 ) makes it perfectly clear, if the information is not 100 % correct, it must be removed. A response is required by law within 15 days of receipt of this letter, or for the item in question to be permanently expunged from the record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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:
You officially on notice that there is errant account ( s ) or incorrect information on the credit report and the items below are now disputed per FCRA 611 ( a ). Your companys references on the credit report are wrong because of the lack of completeness and/or accuracy. FCRA 623 ( b ) ( 1 ) makes it perfectly clear, if the information is not 100 % correct, it must be removed. A response is required by law within 15 days of receipt of this letter, or for the item in question to be permanently expunged from the record.

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 2025-08-09 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-08-09 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: TX

Complaint narrative:
I am filing a formal complaint against Equifax for reporting inaccurate and unauthorized information on my consumer credit file. This includes both collection accounts I have no knowledge of and multiple credit inquiries I did not authorize. 

Unauthorized Collection Accounts : XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX {$2300.00} I have never opened any accounts with these entities, nor have I received any billing statements, notices, or communications from them prior to seeing these items on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they report. These accounts fail that requirement. 

Unauthorized Credit Inquiries : 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 did not authorize these inquiries , nor did I initiate any credit applications with these companies on the listed dates. Under the FCRA, 15 U.S.C. 1681b, a consumer reporting agency may only furnish a credit report for permissible purposes. These inquiries do not meet that legal standard.

I have disputed both the collection accounts and the inquiries directly with Equifax, requesting that they : Immediately investigate and delete the unauthorized collection accounts. 

Immediately investigate and remove the unauthorized credit inquiries. 

Provide written confirmation of the deletions. 

Identify the name, address, and contact information of the furnishers and inquirers. 

As of this filing, Equifax has failed to remove or correct the inaccurate information and unauthorized inquiries, causing harm to my creditworthiness and violating my rights under the FCRA. 

I am requesting the CFPBs assistance in compelling Equifax to comply with the FCRA and correct my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts frain my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX is reporting an inaccurate {$410.00} debt from XXXX XXXX  to my credit report. I never moved into or occupied the apartment. My rental application was denied, and XXXX XXXX  issued me a refund check for my disposition, confirming no lease or tenancy existed. Despite this, the debt was placed for collection on XX/XX/year>XXXX  and is damaging my credit. 

I received no prior written correspondence or validation before being contacted years later, which was unexpected and left me without any opportunity to prepare a response. This account is inaccurately affecting my credit report with bureaus TransUnion. 

Violations : FDCPA 15 U.S.C. 1692e False representation of the character, amount, or legal status of the debt.

FDCPA 15 U.S.C. 1692d Engaging in conduct intended to harass, oppress, or abuse, including placing an unexpected collection call years after the alleged debt without prior written correspondence.

FCRA 15 U.S.C. 1681s-2 Duty to report accurate information to credit reporting agencies. 
Negligent Recordkeeping & Breach of Duty Failing to maintain accurate account records and communication history, resulting in improper collection activity and violating reasonable industry standards. 


Key Details : Account # : XXXX  Original Creditor : XXXX XXXX Current Collector : XXXX XXXX XXXX XXXX XXXX XXXXXXXX  Amount Reported : {$410.00} Refund previously issued by original creditor after application denial.

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 2025-08-09 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:
SO, I noticed on my Experian credit report that it reported a late payment, and that raised a red flag with me. Upon further investigation I noticed an account that says it was late and that I supposedly owed them {$730.00} dollars on an installment loan. 

The company is called XXXX out in XXXX XXXX Texas. I obviously did not authorize this transaction and filed a police report immediately. The case # XXXX. The police report was filed at the XXXX XXXX, Texas Police department. ( XXXX ) XXXX option XXXX. 

I called the company and they stated they cant talk to me about the account because it has already been sent to collections. XXXX XXXX XXXX XXXX XXXX Texas, XXXX. 

Address is as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Texas 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 2025-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Subject : Unjustified Permanent Account Restriction Without Explanation Company : PayPal , Inc. Account Holder : XXXX XXXX XXXX XXXX XXXX Account : XXXX Date of Incident : XX/XX/year>XXXX  Complaint : PayPal has permanently restricted my account without providing any specific reason or justification. Despite multiple inquiries, their customer support repeatedly stated that the decision is final and can not be appealed. I was told : Unfortunately, we can not share specific details that led to this decision Please be assured that if there were any possibility of overturning this decision, we would pursue it. However, this decision is final, and there is no option for appeal. 
This lack of transparency is deeply concerning. I am unable to access my funds, close my account, or understand what policy I allegedly violated. PayPals refusal to provide any actionable information or path to resolution appears to violate principles of fair consumer treatment and due process. 
I am requesting that the CFPB investigate PayPals practices regarding account restrictions, lack of disclosure, and denial of appeal rights. I also request assistance in either restoring access to my account or enabling me to close it and withdraw any remaining funds.

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: OH

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life.

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history.

Thank you for your attention to this matter.

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 2025-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: VA

Complaint narrative:
Sofi banking is closing my account with money in it after I had disputed charges that stole my compensation check from the Veterans Administration. I need help they are stealing my money and holing my money and not giving it to me. They will not tell me anything. I am being punished for using there support system. If you email the ceo you will get a response. XXXX XXXX XXXX 

Please contact me at the provided information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: TX

Complaint narrative:
I am filing a formal complaint against Equifax for reporting inaccurate and unauthorized information on my consumer credit file. This includes both collection accounts I have no knowledge of and multiple credit inquiries I did not authorize. 

Unauthorized Collection Accounts : XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX {$2300.00} I have never opened any accounts with these entities, nor have I received any billing statements, notices, or communications from them prior to seeing these items on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they report. These accounts fail that requirement. 

Unauthorized Credit Inquiries : 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 did not authorize these inquiries , nor did I initiate any credit applications with these companies on the listed dates. Under the FCRA, 15 U.S.C. 1681b, a consumer reporting agency may only furnish a credit report for permissible purposes. These inquiries do not meet that legal standard.

I have disputed both the collection accounts and the inquiries directly with Equifax, requesting that they : Immediately investigate and delete the unauthorized collection accounts. 

Immediately investigate and remove the unauthorized credit inquiries. 

Provide written confirmation of the deletions. 

Identify the name, address, and contact information of the furnishers and inquirers. 

As of this filing, Equifax has failed to remove or correct the inaccurate information and unauthorized inquiries, causing harm to my creditworthiness and violating my rights under the FCRA. 

I am requesting the CFPBs assistance in compelling Equifax to comply with the FCRA and correct my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: CO

Complaint narrative:
Cease Collection & Demand for Validation Alleged Debt To Whom It May Concern, I am in receipt of your recent communication regarding an alleged debt you claim I owe. I do not recognize this debt, and I dispute it in its entirety.

Under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, you are required to provide full and complete validation of this debt before you may continue any collection activity. Until you have done so, you must cease all collection efforts, including but not limited to phone calls, letters, and reporting to credit bureaus.

Specifically, I demand that you provide : 1. The amount of the alleged debt, with an itemized accounting of principal, interest, fees, and other charges.

2. The name and address of the original creditor.

3. A copy of the original contract or agreement bearing my signature.

4. Documentation proving you have the legal right to collect on this debt, including the full chain of assignment or transfer from the original creditor to your agency.

5. A complete payment history from the original creditor, including all charges and credits.

If you can not provide this documentation, you must immediately : Cease all collection efforts.

Remove any reporting of this debt from my credit file.

Confirm in writing that the matter is closed.

Be advised that any further attempts to collect this alleged debt without proper validation will constitute a violation of the FDCPA and may result in legal action against your company.

This is my final notice regarding this matter until validation is provided. All future communications must be in writing only. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: FL

Complaint narrative:
To Whom It May Concern, I, XXXX XXXX XXXX, am writing to formally dispute inaccurate and unverifiable address information currently appearing on my credit report.

Upon reviewing my credit file from the nationwide consumer reporting agencies, I found multiple addresses listed that are either outdated, incorrect, or completely unknown to me. These addresses are not and have never been my current or previous residences, and their presence on my credit report may lead to identity theft concerns, misrepresentation of my credit history, and potential harm to my creditworthiness.

Pursuant to the Fair Credit Reporting Act ( FCRA ) 611, I request that you : 1. Identify the source of each disputed address.

2. Provide documentation verifying my direct association with these addresses.

3. Remove all addresses that can not be verified as legitimate past or current residences of mine. 
4. Update my credit file to reflect my correct and current address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Enclosed with this letter, I have included : * A copy of my government-issued ID * Proof of my current address ( utility bill/bank statement ) * A copy of my credit report highlighting the disputed addresses As required by the FCRA, please complete XXXX investigation within 30 days and provide the results in writing. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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