vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 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: NJ

Complaint narrative:
I was reviewing my credit report nd notice hard inquries that do not belong tome

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: OR

Complaint narrative:
I experienced unauthorized XXXX debits made by XXXX. I notified XXXX months ago that I revoked authorization for XXXX withdrawals. XXXX continued attempting XXXX debits multiple times per day. 

On XX/XX/XXXX, I emailed XXXX requesting they stop all XXXX withdrawals. After that date, XXXX stopped attempting withdrawals for XXXX days, which shows they received my revoke request. ( Those were the only consecutive days in a row that they didn't attempt to debit me. ) However, they later resumed unauthorized attempts anyway, continuing to try multiple times per day. They stated they did not receive a request from me. 

Last week ( XXXX ), I received my first direct deposit in over a year. Within minutes of the deposit posting, Chime allowed multiple XXXX  ACH withdrawals to process simultaneously : XXXX withdrawals of {$100.00} XXXX withdrawals of {$33.00} These debits were processed immediately after the deposit hit, despite the fact that I had revoked authorization months earlier and had previously requested that all XXXX debits be stopped. XXXX was knowingly attempting predatory timing, and Chime failed to protect my account by ignoring the history of these continuous failed attempts. The activity wasn't normal. 

I immediately attempted to dispute these XXXX transfers as unauthorized on and after XX/XX/year>. 

Chime denied my dispute and refused to provide me with a Written Statement of Unauthorized Debit ( WSUD ). When I attempted to submit my dispute in writing, Chime support said they only accept phone calls, and the in-app chat forces me into a loop that provides no method to submit a written dispute. 

I clearly stated that I can not make phone calls and am legally entitled to dispute in writing. Chime refuses to allow any method other than calling, which violates Regulation Es requirement to accept written notice. 

Chimes refusal to accept written notice has prevented me from filing a valid dispute, and I am out {$410.00}. This has caused serious financial hardship, especially with essential bills and holiday needs. 

I am requesting that the CFPB assist me in having Chime : Accept my written Regulation E dispute Provide the required WSUD form by email Reopen the improperly denied dispute Issue provisional credit while they investigate Chime is blocking all legal avenues for written submission, which is not ok.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
The company response was they needed more time. That was XXXX  days ago. This information was suppose to have already been reviewed by Bank of America based on there denial letter dated XX/XX/year>. Which states that they have receive purchase receipts and contacted the vendors. No information has been provided from any of the fraudulent charges that I have disputed from XX/XX/year>. 

I have sent numerous request and have provided additional proof that I did not authorize any of the disputed charges. The Debit Fraud Department, reopened the XXXX fraud cases which had been filed based on the additional information. Both of the Debit Card fraud cases found that the charges made on my debit card account and withdrawn from my checking account had been from fraudulent merchants and all disputed charges have been reinstated back into my checking account. Many of the same fraudulent merchants also had charges on my credit card and have also been disputed. Even though the Debit Fraud cases have been decided in my favor and that the charges from the same vendors were not authorized. The Credit Card Fraud department still say that they were provided receipt of the purchases and that I authorized them. I have stated many time that that is not correct and that I never authorized any of these foreign overseas purchases. 

The Credit Card Fraud Department was sent the same information that the Debit Card Fraud department used to reopen there fraud case and determine that the charges were not authorized and reinstated the fees to my checking account. I ask the the Credit Card Fraud Department at least reopen there fraud case and review the information provided.

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 2025-11-24 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:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: GA

Complaint narrative:
XXXX is reporting collection on all 3 credit reports transunion, Equifax, and Experian when I never did a purchase with them and I did not receive a 1099c showing which is require taxes, because they already written off the debt with irs. The report is not accurate in accordance with Predatory Lending EliminationAct ( S.3549 ) 140B. Limitations on consumer12.1K.credit and maximum rates of interest Removes Repossessions from Your Credit Report Permanently.

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 2025-11-24 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: TX

Complaint narrative:
I am filing this complaint regarding multiple inaccurate and damaging entries that TRANSUNION is currently reporting on my credit file. The accounts in question are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$160000.00} ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$24000.00} ) These accounts are being reported with late payments that are factually false. My personal payment records confirm that I have never missed nor been late on any payments for these accounts, making the reported late notations entirely inaccurate and harmful. 

Under the Fair Credit Reporting Act ( FCRA ), TRANSUNION is legally obligated to maintain maximum possible accuracy in its reporting under 1681e ( b ) and to conduct a lawful, reasonable reinvestigation of any disputed information under 1681i. By continuing to report these false late-payment entries and failing to verify their accuracy, TRANSUNION is acting in violation of federal law. 

These inaccuracies are causing significant harm to my credit standing, financial opportunities, and personal reputation. TRANSUNIONs failure to correct or verify this information constitutes both negligent and willful noncompliance under FCRA 616617, exposing the agency to liability. 

I am demanding that TRANSUNION immediately reinvestigate these accounts, obtain full verification for every reported late payment directly from the original creditors, and delete any inaccurate or unverifiable derogatory information. Any failure to comply will be treated as a willful violation of my consumer rights under federal law and may result in further action and liability for TRANSUNION.

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 2025-11-24 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: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem 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 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding the unexpected and unjustified closure of my Citibank account. 

At Citibanks request, I mailed all required documents, which were delivered and received by Citibank on XX/XX/2025. For your reference, the XXXX tracking number is XXXX. After confirming receipt, your representatives informed me that the documents would be forwarded for processing within a few days. 

However, when I contacted Citibank on XX/XX/2025 to check the status, I was informedwithout prior noticethat my account had been closed. This is both surprising and concerning, as I fully complied with all documentation requests, and there was no indication of any issue. I believe this closure may have occurred in error. 

I respectfully request the following : A detailed explanation of why my account was closed. 

A full investigation into whether this closure was made in error.

Immediate steps to restore or reinstate my account if the closure was improper. 

Written confirmation once the issue has been resolved. 

This situation has caused significant inconvenience, and I expect timely communication and corrective action. Please treat this matter with urgency. 

Thank you for your prompt attention. I look forward to your 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 monetary relief
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 2025-11-24 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: PA

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 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) 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.

15 U.S.C 1681s-2 ( a ) ( 1 ) 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.

15 U.S. Code 1681i ( 5a ) ( 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 ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( 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 15 U.S.C 1681s-2 ( a ) ( 1 ) 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.

15 U.S. Code 1681i ) : 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 2025-11-24 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: FL

Complaint narrative:
Date : XX/XX/XXXX Re : XXXX / XXXX XXXX XXXX XXXX XXXX Account No. XXXX Dear CFPB, I am disputing the accuracy and legality of the account reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account No. XXXX ). The reported Date Opened ( XX/XX/XXXX ) contradicts the Date of First Delinquency ( XX/XX/XXXX ) a chronologically impossible inconsistency. This constitutes inaccurate reporting and violates FCRA 1681i ( failure to properly reinvestigate disputed information ) and FCRA 623 ( a ) ( duty to furnish accurate and complete information ).

Additionally, the furnisher has provided no proof of ownership, no proof of lawful assignment, and no original documentation substantiating the alleged debt. This failure violates FCRA 1681s-2 ( b ) regarding duties after notice of dispute and FDCPA 809 ( b ) concerning required validation of a debt.

Regulation F Violations Under Regulation F 1006.34, a debt collector must provide complete and itemized validation information, including the identity of the original creditor and documentation sufficient to substantiate the debt. No such validation has been provided.

Under Regulation F 1006.30 ( a ), a debt collector is prohibited from reporting or furnishing information to a credit bureau without proper substantiation. Continued reporting of this unverified account therefore constitutes unlawful collection activity.

Required Action Because this account is chronologically impossible, unverified, and non-compliant with federal validation standards, I demand : A full reinvestigation under FCRA 1681i, and Immediate deletion of all inaccurate, unverifiable, and improperly reported information.

Failure to comply will result in additional complaints filed with the CFPB and potential legal action for violations of the FCRA, FDCPA, and Regulation F. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: LA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2025-11-24 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: LA

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2025-11-24 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:
I am submitting this complaint regarding multiple inaccurate, unauthorized, and fraudulent entries on my credit report. Despite a previous dispute, these items remain uncorrected, causing significant damage to my creditworthiness, reputation, and financial opportunities. I demand a full investigation and immediate correction or deletion of all errors under the Fair Credit Reporting Act ( FCRA ). 
The disputed items are as follows : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : Wrong Address Detail : This address has no connection to me. Reporting it constitutes fraudulent reporting and is unacceptable under FCRA. The credit bureau has a legal obligation to maintain only accurate and verifiable information. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : Wrong Address Detail : I have never been associated with this property. Its presence on my report is misleading to lenders, employers, and other users of my credit report. Immediate deletion is required. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance Owed : {$16000.00} Issue : Charge-Off Detail : I have no knowledge of this account. This is an unauthorized and fraudulent record, and reporting it violates my rights under the FCRA. Immediate deletion is mandatory. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance Owed : {$95.00} Issue : Charge-Off Detail : I never opened or authorized this account. Its reporting as a charge-off is entirely erroneous, misleading, and harmful to my creditworthiness. Immediate removal is required. 
XXXX XXXX XXXX XXXX XX/XX/XXXX Detail : This is an unauthorized hard inquiry. It has no legal basis and is damaging my credit file. Remove it immediately. 
XXXX XXXX XX/XX/XXXX Detail : Unauthorized. This inquiry is inaccurate and damaging. Immediate deletion is required.

Desired Resolution : 1. All incorrect addresses must be deleted.

2. All late payments and charge-offs that I have no knowledge of must be corrected or removed.

3. All unauthorized inquiries must be deleted.

4. I request written confirmation of all corrections within 30 days.

I am prepared to escalate this matter to legal action, including CFPB and FTC complaints, if the inaccuracies are not corrected promptly. Reporting false information is unlawful, damaging, and unacceptable.

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 2025-11-24 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 A VICTIM OF IDENTITY THFT AND WOULD LIKE ALL ACCOUNTS ASSOCIATED REMOVED.

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 2025-11-24 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: SC

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately 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 XXXXXXXX. The following inquiries are not authorized. Please remove it from my credit report immediately 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