vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
This situation has led to considerable stress and disrupted my sleep, which is especially frustrating given my diligent compliance with all payment obligations. Encountering problems for actions I didn't take feels unjust. I urge you to address this issue swiftly, correct any inaccuracies in my account, and help restore peace of mind.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: TX

Complaint narrative:
Approximately XX/XX/XXXX, my son sent me a Chime link referral. He would receive {$200.00} and I would receive {$100.00} if all Eligibility requirements were met.

Per the terms on the Chime website, I had met all the requirements. But when I called Chime on several occasions, they state I didn't make the {$200.00} qualifying direct deposit within 45 days of opening the account. I made {$100.00} deposit every 2 weeks within the 45 days to make my qualifying {$200.00} deposit.

The last time I called Chime, they are stating a {$200.00} per transaction is needed, but no where on the website does it state that. The verbiage on the website is not what customer service is stating, and this is why I am here making this complaint.

Chime is not honoring what is on the website according to their eligibility requirements. This institution has negative reviews and they are stealing money from their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: SC

Complaint narrative:
I am submitting this complaint regarding several inaccurate and unverified items appearing on my credit report. These errors are harming my credit profile, and I am requesting a full investigation and correction under the Fair Credit Reporting Act ( FCRA ). 

First, my credit file is showing the address XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX, which does not belong to me and has no connection to my identity. This is an incorrect address, and I request that it be removed from my credit report immediately. 

Second, there are multiple accounts reporting late payments, but I have never made late payments on these accounts. The incorrect late payment reporting is as follows : XXXX XXXX XXXX XXXX Account XXXX Opened XX/XX/XXXX Late payment reported inaccurately XXXX XXXX XXXX Account XXXX Opened XX/XX/XXXX Late payment reported inaccurately XXXX  Account XXXX Opened XX/XX/XXXX Late payment reported inaccurately I request that these payment histories be re-investigated and corrected, as they do not accurately reflect my payment behavior. If proper proof can not be provided, the late payment marks should be corrected immediately. 

Lastly, there is a charge-off account from XXXX CARD XXXX XXXX for {$650.00} ) that I do not recognize. I have no knowledge of this account and never authorized it. Because of this, I request removal of this account if it can not be verified with original documentation. 

I kindly request the CFPB to review and investigate all of these items, remove the incorrect address, correct the late payment reporting, and delete the unknown charge-off account if it can not be proven valid. I would appreciate written confirmation once the investigation is completed. 

Thank you for your time and assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: WI

Complaint narrative:
I am disputing the account ( XXXX ) listed under TransUnion due to incorrect and unverifiable reporting. I request that these accounts be fully investigated and deleted if the information can not be proven accurate. 

Charged Off XXXX  ( No charged-off accounts listed under XXXX ) Inquiries XXXX XXXX XX/XX/year> XXXX XX/XX/year> Late Payments TU CITIZENS BANK XXXX Account Number : 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 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Company Midland credit management keep reporting on my credit every month they have shows me validation that I owe the debt no lettering saying I owe it. LAWS state delete Hard iquires 15 U.S Code 1681 delete Charges Offs 15 U.S Code 1681 ( c ) 2

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: IN

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 explanation
Consumer complaint received 2025-12-01 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: TX

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items.

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: IN

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 explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am formally disputing a collection account being reported by LVNV Funding LLC, original creditor XXXX XXXX Bank XXXX. Account number XXXX. I do not recognize this debt, and I was never notified about it prior to discovering it on my credit reports. I have never received a validation notice, any explanation of the alleged balance, an itemized breakdown, or any proof that LVNV Funding LLC has the legal authority to collect this debt. This lack of communication and documentation violates Regulation F of the Fair Debt Collection Practices Act ( FDCPA ), specifically 12 CFR 1006.34 ( b ) ( 5 ), which requires a complete validation notice including the name of the original creditor and a detailed breakdown of the balance.

Furthermore, reporting this debt to the credit bureaus without first notifying me of my right to dispute it violates 15 U.S.C. section 1681s-2 ( a ) ( 7 ) ( A ) of the Fair Credit Reporting Act ( FCRA ). Providing this information to credit reporting agencies without proper verification and my consent also violates 15 U.S.C. section 1681e ( b ), which mandates accuracy, and 1681b, which governs permissible purposes for accessing or furnishing consumer information. I am requesting that LVNV Funding LLC immediately provide all of the following : a complete and legally compliant validation notice, a copy of any signed agreement bearing my signature, a full breakdown of the balance allegedly owed, and documentation proving their legal right to collect on behalf of XXXX XXXX Bank XXXX. The accounts must be permanently deleted from all consumer reporting agencies. Reporting unverifiable and unauthorized information is not only harmful and unfair, it is also illegal under federal law. I respectfully request that the CFPB investigate this matter and ensure LVNV Funding LLC is held accountable for full compliance with all applicable laws. I also request written confirmation of the investigation outcome and any corrective actions taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/XXXX, I opened a financial account with Fifth Third Bank through XXXX. Shortly after, I initiated a transfer of {$20000.00} from my linked account. On XX/XX/XXXX, I was notified that the account had been closed. At that time, no funds had been withdrawn. However, nine days later, on XX/XX/XXXX, the {$20000.00} was debited from my account. 
I attempted to dispute this transaction with my bank, but the dispute was denied on the grounds that it was considered authorized at the time. Since XXXX closed and froze my account, I have no access to these funds. My only request is to have my money returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: FL

Complaint narrative:
I identified several negative items on my credit report that are being reported inaccurately and without the documentation required under the Fair Credit Reporting Act. I disputed these items with the credit bureaus and the furnishers, but no original records or validation were provided. XXXX XXXX XXXX XXXX is reporting late payments from XXXX without supplying any evidence that the payments were actually due and unpaid on those specific dates. XXXX XXXX XXXX is reporting a charged-off auto loan with a large past-due balance but has not produced the contract, repossession documentation, deficiency calculation, or any proof verifying the delinquency timeline or balance. XXXX XXXX is reporting a hard inquiry dated XX/XX/XXXX, and it appears twice, yet no signed authorization or permissible purpose has been provided. These items remain unverified and inaccurate, and the credit bureaus have continued reporting them without supporting evidence. This has harmed my credit profile and affected my ability to obtain fair financial opportunities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: TX

Complaint narrative:
I am requesting a reinvestigation of the accounts below that appear on my Equifax credit report. Several of these accounts show conflicting dates, incorrect balances, or amounts that do not match what the original creditor shows. Some accounts are reporting {$0.00} but still show as charged off, which is inconsistent. I am asking Equifax to verify every account with complete documentation. If the furnishers can not provide full proof of accuracy, I request deletion according to FCRA 602, 607, and 611. 

CHARGED OFF 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 INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, nj XXXX XXXX XXXX XXXX  Re : Request for Investigation Under the FCRA Report Date : XX/XX/year> SSN ( Last XXXX Digits ) : XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of the following information appearing on my credit report, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 611. The account listed below contains information that is inaccurate, incomplete, and/or unverifiable, and I respectfully request an immediate investigation. 



Account Information Being Disputed Creditor Name : XXXX XXXX XXXX Account Number ( Partial ) : XXXX Date Reported : XX/XX/year> Type of Error : This is Not my account Account reported inaccurately Balance incorrect Payment history incorrect or unverifiable Fraud/identity theft Creditor can not validate the debt Duplicate reporting Account status incorrect Sincerely 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 2025-12-01 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: MO

Complaint narrative:
I did not open this account, and the information being reported is incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Issue : CareCredit XXXX Synchrony Bank ) retroactively charged approximately {$1900.00} in deferred interest on a nearly paid-off {$600.00} promotional balance, and customer service refuses to review or adjust this despite the charge being disproportionate. 

What happened : I had a XXXX deferred-interest promotion through CareCredit for a medical XXXX. I consistently paid the balance down ( from an initial loan of over {$4000.00} ) over the promotional period and had only about {$600.00} remaining. I unintentionally missed the exact payoff deadline, and Synchrony then added roughly {$1900.00} of retroactive interest over XXXX times the remaining balance. 

When I contacted customer service to request a review, supervisor escalation, or goodwill adjustment, I was told nothing can be done. '' I was only offered a hardship settlement that would close the account and damage my credit, which is not an appropriate or fair resolution. I only missed the final month to payoff because my statements were on paperless and went to my junk mail and received no other notification my balance had increase by almost {$2000.00}. 

Why XXXX filing the complaint : The retroactive interest charge is excessive and disproportionate compared to the remaining balance, and I believe Synchrony should review the situation for a more reasonable resolution. I am not seeking to avoid payment I simply want the interest reconsidered. 

You can see in the attachment the XXXX statement with only {$660.00} left to pay and an interest charge of {$1900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: FL

Complaint narrative:
The record under review contains errors and lacks completeness in describing my financial history. I respectfully request immediate examination and correction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I provided Ally Bank my account/routing number from XXXX to transfer funds to Ally. The amount was debited to XXXX  and was available in my Ally account and I was able to continue using it for another week. I then tried to XXXX money from Ally to my chase debit account and Ally told me my funds were unavailable and needed to be reviewed for fraud. The next day my account was locked. Ive called 6 different days and have gotten 6 different answers with regard to what needs to happen for my funds to be available. Ive asked to speak to someone higher up or in a different department was not allowed to do so. They are unable to give me a timeline, or reason for flagging my transfer from XXXX and would not give me the contact information for the Third Party that Ally uses stating that they dont know who the third party is and cant get in contact with them. No notice was given that the transfer was flagged until the bank asked me to call and verify my XXXX request when I needed to withdraw funds. No notice was given when my account was completely locked until I tried to login to my account via the Ally mobile app. I have asked XXXX to request a return of the funds from Ally.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 
I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XX/XX/XXXXbusiness days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: TX

Complaint narrative:
These are inaccurate items. They show as late payments.

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