vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have been in a many months long saga with Experian. I have to resort to using the CFPB because Experian does not have any customer support at all. They simply put you in a circular automated phone system which just hangs up on you and they never contact you again.

History of problem : A fraudster made an Experian account with my social but their email and phone credentials then proceeded to open a credit card in my name and make transactions. I was able to resolve this and am now trying to dis-associate my social seucirty number with the fraudsters credentials so they can not do this again. I sent experian my credentials over mail ( it was so difficult to do this, their online system does not work - everything with them is max pain ) and they verified I am who I am and sent me an email saying the account was " reset '' and I can make a new one with my credentials and my social security number.

New problem : This " reset '' did not work and I still can not log into my Experian to protect myself against fraud. EXPERIAN DOES NOT HAVE CUSTOMER SERVICE. There is nobody to reach out to except the CFPB. I wish Experian was out of business- they are so bad and hold everyone hostage. Please reach out to them and force them to resent my account or contact me and respond so I can fix this final piece of fraud prevention.

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 2025-11-12 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: CA

Complaint narrative:
Ensure that contested accounts are cleared within the legal time constraints.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: SC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-11-12 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: AL

Complaint narrative:
I am writing to dispute the following items that appear on my credit report. I believe that the information is inaccurate and/or incomplete, and I request that the following accounts be investigated and corrected according to the Fair Credit Reporting Act ( FCRA ). 


CHARGED OFF Unknown, XXXX, XX/XX/2020, {$1000.00} LATE PAYMENTS XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-12 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: PA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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 ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HOME BANCSHARES, INC.
State: FL

Complaint narrative:
Bank manager was rude, I closed the account on the spot, she filed a frivolous complaint with XXXX XXXX now I can not open an account anywhere

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear XXXX  Dispute Department, I am writing under my rights granted by the Fair Credit Reporting Act ( FCRA 611 ) to dispute the following inaccurate and unauthorized information that appears on my XXXX  credit file. 

An inquiry from XXXX XXXX ( XXXX Bank ) was reported on or around XX/XX/XXXX, with a projected removal date of XX/XX/XXXX. I never applied for any XXXX XXXX  credit product and did not authorize this XXXX  inquiry. This entry does not belong to me and is being reported in violation of FCRA 604 ( a ) ( 2 ), which requires a permissible purpose before any credit pull.

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 2025-11-12 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: FL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute certain information on my credit report provided by Equifax. Please review the following accounts that I believe are inaccurately reported : Charged Off Accounts : XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$170.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$8700.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$8700.00} Late Payment Accounts : XXXX, Account Number : XXXX XXXX LEND, Account Number : XXXX XXXX XXXX, Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: PA

Complaint narrative:
I am filing a complaint against Chime for failing to properly follow Regulation E ( 12 CFR 1005 ) when handling three separate disputes I submitted.

Chime denied all three disputes despite receiving documentation up front proving that the charges were invalid. Chime did not reasonably investigate and did not issue provisional credit in any instance.

( 1 ) + ( 2 ) Xfinity Two Disputes Denied Despite Proof Charges Were Not Owed I filed two separate XXXX-related disputes with Chime. 
Before Chimes denial, I contacted XXXX directly and was told in writing by an XXXX representative : The alleged balance being pursued did not exist The {$120.00} equipment charge would be waived automatically The {$360.00} balance should be disregarded The {$300.00} was approved to be refunded. 

I provided these transcripts to Chime as supporting evidence before their decision. 
Despite clear merchant confirmation that I owed {$0.00}, Chime denied both XXXX disputes. 
This indicates Chime : Did not properly review the documents provided Failed to reasonably investigate as required under Reg E Failed to issue provisional credit These denials contradict the original creditors written statements and appear to violate Reg Es requirements regarding investigation and resolution of billing disputes.

( 3 ) Fly Play Airlines/ FlightNetwork Service Not Provided I booked flights through XXXX for travel on XXXX XXXX XXXX. XXXX XXXX later filed for bankruptcy and ceased all operations as of XX/XX/XXXX. 

XXXX emailed me confirming : My flights were canceled They would not be rebooked Refund claims would be submitted Refund should return to original payment method I provided this documentation with my original dispute to Chime.

Chime denied the dispute anyway, even though : No service was ever provided The merchant ceased operations A refund was the only possible outcome This appears to violate Reg E because : Services were not received Chime failed to reasonably investigate Chime failed to issue provisional credit Regulation E Failures Across all three disputes, Chime failed to : Conduct a reasonable investigation Consider the evidence provided Issue provisional credit during the investigation Correctly resolve documented billing errors These actions constitute apparent non-compliance with Reg E.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-11-12 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: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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 ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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 ( 15 U.S. Code 1692e ) 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 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX Current address XXXX Birch Tree Way XXXX XXXX, MI XXXX XXXX XX/XX/year> Full ssn XXXX Email XXXX Phone number ( XXXX ) XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian Credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at that appears related These accounts have resulted in several fraudulent collections & Charge off accounts appearing on my consumer XXXX credit report. I've attached a list of the collections and charge off accounts in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have not attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-11-12 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 account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

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 2025-11-12 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: AL

Complaint narrative:
I am disputing the following accounts listed on my Experian credit report as they contain inaccuracies, including incorrect charge-off dates, balances, and other discrepancies. Please investigate these accounts for removal or correction. 

Charged Off Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-12 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:
Take a moment to review this item ; its delayed and may contain inaccuracies.

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 2025-11-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I got behind on my mortgage payments, because I was out of work with no income for over a year in XXXX, because I caught XXXX XXXX twice, I been dealing with long XXXX  since then. Back in XXXX was a year behind in payments. Unfortunately, I lost my XXXX  in XXXX of XXXX. She left money for us, so I used all the money she left to pay my mortgage, so I was up to today but XX/XX/XXXX. When, I made the payment I was told by XXXX customer service agent, starting XXXX XXXX my mortgage payments will return back to {$570.00} a month. When, I called in XXXX XXXX to make my payment, I was told by the agent that my mortgage has increased to {$1200.00} a month, I was told my homeowner insurance was increase to {$4600.00} a year, and my property tax increased to {$2700.00} a year. I spoke with M & T Bank on several occasions, and was never told. I never received any letters or correspondence from either companies in the mail. When, I told M & T bank that I never received any documents later on the day a hand deliver letter was deliver. The statement I should have gotten from them, and didn't. The letter wasn't post mark at all. 
M & T bank told me I would have to find my own insurance company, and cancel my insurance if I want cheaper insurance. My insurance would send me a refund check, and for me to sign the check over to M & T bank. Before, I could do that I received an email from M & T bank with a new homeowner insurance company, so I have them. It was only {$1600.00} a month. When, I tried to give M & T bank the refund check for {$720.00} from the insurance company they wouldn't take it. I was told by XXXX different agents. I would have to make 3 mortgage payments, before they could adjust my insurance. I was never told that.

I have a Homeowner Tax credit as well, that was not apply either. It's no way I own them all this money. I asked M & T bank 3 times to do a mediation, so this problem can be fix. I do have any documents you may need for proof. My monthly income is {$1300.00}. I am a disable senior citizen who is trying to keep my home I had for over XXXX  years. Thank you much for your help.

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 2025-11-12 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: SC

Complaint narrative:
I am writing to dispute the following information that appears on my credit report. I believe these items to be inaccurate or incomplete, and I respectfully request that they be reviewed and corrected according to the Fair Credit Reporting Act ( FCRA ). 


I am disputing the following items on my Equifax credit report : Charged Off Accounts XXXX XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief