vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 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: CA

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. I would like to assert that no permissible purpose under XXXX USC XXXX ( XXXX ) has been established and under the Fair Credit Reporting Act this must be established. 

XXXX U.S.C XXXX ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information. 

XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX U.S.C section XXXX A Section XXXX : States a consumer reporting agency can not furnish a account without my written instructions. 

XXXX U.S.C XXXX ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 

XXXX U.S.C XXXX ( a ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX U.S. Code XXXX ( XXXX ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX U.S.C XXXX ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX U.S.C XXXX ( a ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX U.S. Code XXXX ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc
State: PA

Complaint narrative:
Someone hacked my Chime account. Made fraudulent purchases, I immediately contacted chime, filed a dispute, changed my virtual card numbers, as it was believed to have gotten info from online. Someone was still making fraudulent charges, I called chime 7 times reporting fraud, they had me change my password, pin, physical and virtual card numbers 7 times and no success. Chime is refusing to give me a new account number, allow me to close my account and open a new one with new numbers because they arent able. Someone has access to my account number and theyre saying there isnt anything they can do to fix it, aside from all of the things Ive already done 7 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments i've attached a copy of my report to this complaint on the following date XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action

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 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: GA

Complaint narrative:
WESTLAKE FIN is falsely reporting on my credit. I have never had any accounts with them. Per my research WESTLAKE FIN is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Continental Finance Company, LLC
State: WI

Complaint narrative:
Im working on rebuilding my credit and intend to reduce my credit card balances. However, over the past XXXX months, I may have missed some payments due to my wifes battle with XXXX. I informed them about my potential delay and eventually caught up, paying the full {$1000.00} limit plus an additional {$29.00}. Unfortunately, XXXX froze my account and deemed my application fraudulent based on information from a third-party credit bureau XXXX They refuse to disclose the information they received from the credit bureau. Additionally, they claim that my account is on fraud. The only issue I had with alleged thieves was in Alabama, where I had cards in my name through XXXX XXXX. Everything is fine with the bank XXXX Missouri, and I believe its a conspiracy because Im trying to rebuild my credit and pay my debts, despite facing stereotypes against certain groups of people.

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 2025-11-04 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: CA

Complaint narrative:
i have reviewed my credit report and found these unverified items. 
please remove, update or correct these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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:
Dear Experian, I am writing to formally dispute the following inaccuracies in my credit report. These discrepancies involve accounts that are reported incorrectly, and I request your immediate investigation into these matters. Below are the details of the disputed accounts : Charged-Off Accounts : XXXX Credit Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} Discrepancy : This account was marked as charged-off, but I believe it is being reported incorrectly. Please verify the status and accuracy. 

XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$800.00} Discrepancy : I dispute the balance and the account status. Please verify and provide full documentation. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$300.00} Discrepancy : The reported balance is inaccurate and does not reflect the amount owed. Kindly correct this item. 

XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Discrepancy : I dispute the reporting of bankruptcy on my credit file. Kindly verify and correct. 

Inquiries : XXXX XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX  XXXX XXXX  Fin - Date : XX/XX/XXXX XXXX  XXXX XXXX  Fin - Date : XX/XX/XXXX XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX Service - Date : XX/XX/XXXX XXXX XXXX Service - Date : XX/XX/XXXX XXXX XXXX Service - Date : XX/XX/XXXX XXXX XXXX Fin - Date : XX/XX/XXXX XXXX XXXX Fin - Date : 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
Consumer complaint received 2025-11-04 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX U.S. Code XXXX ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/year>, several transactions appeared on my JP Morgan Chase checking account that I never made. These transactions were processed in New York State, a state I have never visited ; I reside in Colorado. The transactions included a cash withdrawal of {$480.00} from an ATM and XXXX payments for a resort in XXXX, XXXX for {$530.00} and another for {$77.00}. I never made these transactions, yet the bank claims I did, even though I have never traveled to New York.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
XX/XX/XXXX - tried to internationally wire money over XX/XX/XXXX - transfer failed XX/XX/XXXX - called to ask where my money was and was told I should have a fully refund by XX/XX/XXXX XXXX - didnt receive my money so called but and they told me they didnt have my money and to call the following money but I tried to explain that I was moving countrys and wouldnt be able to make the call and got no solution to my problem

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-04 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: VA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under XXXX USC XXXX ( Section XXXX ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating XXXX USC XXXX ( Section XXXX ( c ) ). 
Harassment under XXXX USC XXXX ( Section XXXX ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under XXXX U.S. Code XXXX. 

I demand that the following items be deleted immediately from my credit report :

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC
State: NV

Complaint narrative:
National Credit Adjusters is reporting a collection account for an alleged debt originally from XXXX with a balance of {$280.00}, opened around XX/XX/XXXX. Its showing on my credit report as of XX/XX/XXXX. 

I dont believe this debt is accurate or valid. Ive never received any documentation from NCA proving that this debt belongs to me or that they have the legal right to collect or report it. Ive disputed the account, but all I received back was a generic statement that it meets FCRA requirements without any proof or supporting details. 

So far, NCA hasnt provided an itemized statement, copy of the original agreement, or verification showing the account is legitimate. Im requesting that they stop all collection and credit reporting until they can provide full and proper validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: GA

Complaint narrative:
I am requesting that the CFPB investigate and ensure these items are corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ). 
Disputed Accounts XXXX XXXXXXXX ( XXXX XXXX ) Account # XXXX, Reported XX/XX/XXXX, Balance {$0.00} Listed as charged off with a {$0.00} balance, which is inaccurate. Please verify and correct or remove. 

XXXX XXXX ( XXXX ) Account # XXXX, Reported XX/XX/XXXX, Balance {$0.00} This account appears outdated or misreported. I request verification or deletion if it can not be substantiated. 

XXXX XXXX ( XXXX ) Account # XXXX, Reported XX/XX/XXXX, Balance {$0.00} I dispute the charge-off status showing with a {$0.00} balance. Please verify accuracy or remove. 

XXXX XXXX XXXX Account # XXXX, Reported XX/XX/XXXX, Balance {$740.00} This account is being reported without proper validation. Please provide verification or delete if unverifiable. 

Bankruptcy Case/File # XXXX, Reported XX/XX/XXXX, Balance {$0.00} I am requesting full verification that this public record is accurate and properly linked to me. If not verifiable, it should be deleted. 

Disputed Inquiries XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Summary : I do not recall authorizing these inquiries or applying for credit with these entities on the dates listed. I request that TransUnion verify each inquiry with proof of authorization. Any inquiry that can not be verified as initiated by me should be removed. 

Late Payment XXXX Account # XXXX I am disputing the late payment history reported on this account. I believe the payment was made on time, or there is an error in how the payment was applied. Please verify with supporting documentation or remove the inaccurate late payment 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 non-monetary relief
Consumer complaint received 2025-11-04 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: NC

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX XXXX - XX/XX/XXXX - {$3200.00} XXXX XXXX XXXX - XX/XX/XXXX - {$1800.00} XXXX - XX/XX/XXXX - {$1900.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$210.00} Hard Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: NC

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX XXXX - XX/XX/XXXX - {$3200.00} XXXX XXXX XXXX - XX/XX/XXXX - {$1800.00} XXXX - XX/XX/XXXX - {$1900.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$210.00} Hard Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I would like equivalent to remove any unauthorized or incorrect inquiries from my credit report and provide written confirmation once the correction is completed. 

Additionally, I want equifax to ensure that my credit file is secured from future unauthorized access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief