vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I just received a letter that my Social Security number and date of birth has been accessed. There is a loan on my account that does not belong to me. I have proven that with my signature with the bank someone took out {$1500.00} in my name from security finance. Now my credit has been breached with my Social Security date of birth somebodys trying to apply for Unemployment in my name in Arkansas and I live in Wisconsin the Number, they give us a call for Trans Union. Unable to get a hold of someone.

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 2025-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
I have a previous complaint out with Target. This continues more problems with them. Target turned me over to XXXX XXXX XXXX on XX/XX/year>. Target now turned me over to XXXX XXXX XXXX on XX/XX/year>. XXXX XXXX XXXX said XX/XX/year> no more calls or letters from Target and they noted that my income is social security XXXX. How many debt collectors has Target sent my information out to? How do I get Target to stop harassing me? Target is hurting my credit score and me. My only source of money is social security XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: Chime Financial Inc
State: IL

Complaint narrative:
On XX/XX/year>2025. I had an appointment for a service to be made. XX/XX/scrub> 2025. The service was cancelled. The money was not refunded into my account when it was cancelled. I contacted chime to resolve the issue. The first dispute failed in XXXX. Reasoning being is because they found no error. Then I filed it in again in XXXX. They got back to me in about a week. Saying it was failed again. Despite me having documents showing I had money given to them from my account for the services and cancellation. They still denied it for the same reasoning.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Al, XXXXEquifax Information Services LLC XXXX XXXX XXXX XXXX  GA XXXXn Re: Formal Dispute of Inaccurate Reporting  Account XXXX XXXX XXXX XXXX \nThis letter serves as a formal dispute under the Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681 regarding the reporting of the account from XXXX XXXX XXXX XXXX XXXX, which is being inaccurately reported on my Equifax credit file. Your records state that this account is a Paid Collection / Paid Charge Off (narrative codes 134 and 125). This reporting is inaccurate, misleading, and in violation of the FCRA for the following reasons: \n1. Inaccurate and Misleading Reporting  The account shows as both Closed  Paid and also coded as a Charge Off/Collection. Once an account is paid in full, it cannot simultaneously be reported as a charge-off without misleading creditors and damaging my creditworthiness. Courts have recognized that inaccurate or misleading entries are grounds for removal. - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   The Court held that credit reporting that creates a materially misleading impression violates the FCRA.\n 2. Failure to Maintain Maximum Possible Accuracy  Under 15 U.S.C. 1681e(b), Equifax is required to ensure maximum possible accuracy in reporting. Reporting a paid account as a continuing derogatory charge off does not meet this legal standard. - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reinforces that inaccurate or incomplete reporting is a violation of 1681e(b). \n3. Duty to Conduct a Reasonable Reinvestigation  Pursuant to 15 U.S.C. 1681i, once a consumer disputes information, Equifax must conduct a reasonable reinvestigation. Failure to correct this misleading reporting after notice of dispute constitutes willful noncompliance under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. \n4. Continued Reporting as a Charge-Off is Prejudicial  The continued derogatory notation after payment is equivalent to double punishment. The FCRA prohibits reporting that unfairly penalizes consumers beyond the factual status of the account. \nDemand for Deletion: \nBecause this account is inaccurately reported as a paid charge off, I demand its immediate deletion from my credit report. If Equifax cannot verify the accuracy of this reporting with full supporting documentation from XXXX XXXX XXXX, you are legally required under 15 U.S.C. 1681i(a)(5)(A) to delete it. If this account is not removed within 30 days, I will pursue all legal remedies available to me under the FCRA, including claims for statutory damages, attorneys fees, and costs. I expect written confirmation of the deletion within the time frame allowed by law. \nSincerely,\n XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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: CA

Complaint narrative:
I noticed a drop in my credit score of over XXXX points in early XX/XX/XXXX. I ran a credit report with the XXXX major bureaus and notices information on my account that was not accurate. I disputed the incorrect names which have now been removed and the accounts that I didnt recognize. All accounts have since been rectified from what I can tell per the dispute results, other than XXXX account with XXXX XXXX. I called XXXX XXXX today XX/XX/XXXX around XXXX and spoke to a customer service agent. They could not confirm that my information was connected to an account. I would like to have this information removed from my credit report as it appears to be negatively affecting me or more details provided on what the account is for so that I can verify its correct. Based on my records, I have no information confirming the accuracy of this account and it doesnt belong 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 2025-09-27 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 noticed a drop in my credit score of over XXXX points in early XX/XX/XXXX. I ran a credit report with the three major bureaus and notices information on my account that was not accurate. I disputed the incorrect names which have now been removed and the accounts that I didnt recognize. All accounts have since been rectified from what I can tell per the dispute results, other than one account with XXXX XXXX. I called XXXX XXXX today XX/XX/XXXX around XXXX and spoke to a customer service agent. They could not confirm that my information was connected to an account. I would like to have this information removed from my credit report as it appears to be negatively affecting me or more details provided on what the account is for so that I can verify its correct. Based on my records, I have no information confirming the accuracy of this account and it doesnt belong 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 2025-09-27 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
XXXX is reporting inaccurate information on my CareCredit account. My last payment date is listed as XX/XX/year>, while XXXX XXXX XXXX report XX/XX/year>. I previously disputed this with XXXX  on and provided proof of the correct date, but the report remains inaccurate. 
Under the Fair Credit Reporting Act ( FCRA 1681e ( b ) & 1681i ( a ) ( 1 ) ), all information must be accurate and verifiable. I request that XXXX correct or delete the inaccurate last payment date and update all reporting agencies with the correct date.

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 2025-09-27 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: CA

Complaint narrative:
I discovered an account from XXXX XXXX incorrectly reporting on my TransUnion credit file. This is not my account. I have never opened or authorized credit with XXXX XXXX. The tradeline is reported with conflicting and inaccurate information, showing as both Closed and with an Outstanding Balance of {$2900.00}, and provides no payment history. This violates the Fair Credit Reporting Act ( FCRA 607 ( b ), 611, 609 ( a ) ), which requires consumer reporting agencies to maintain maximum accuracy and provide proper documentation for disputed accounts. The debt is unverified, inaccurate, and harmful to my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: PA

Complaint narrative:
TransUnion as well as other competitors ( such as equifax and experian ) has been reporting inaccurate information on my credit report in which is affecting my credit. I need accurate reporting so I can utilize my credit. Please check my report with this bureau. Trans union. Experian. Equifax.

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 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
All 3 credit bureaus are incorrect. They are reporting incorrect items causing my credit score to be lower than it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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 writing to formally dispute certain items on my credit report that I believe may have been compromised as a result of the data breach affecting Experian. As a victim of this breach, my personal and financial information was exposed without my consent, placing me at risk of identity theft and fraudulent activity.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that the information contained in my credit report is accurate, complete, and verifiable. I am requesting that you investigate and promptly delete any and all items that may have been affected by this breach, as they can not be verified as accurate or legitimately associated with me. 
The specific items I am disputing include : Account Name : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$2100.00} Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Unauthorized Hard Inquiries : 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 explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: KEYCORP
State: AZ

Complaint narrative:
In XXXX I deposited a check and waited for the bank Keybank to verify funds! When they did I went into the bank and asked agin and they helped me with a wire transfer! Then it was recalled! I talked to the bank several times and everything was good! In XXXX I get a message from a lawyer that says I owe {$22000.00}! First time I knew about this!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: FL

Complaint narrative:
on XX/XX/year> at XXXX XXXX, I received an email from Chase Bank with a Chase Fraud Alert with subject line " Action Needed : Please confirm activity '', stating that XXXX XXXX has attempted to charge {$650.00} to my Chase Bank account, and the payment has been declined. 
I immediately called back to chase on their phone number ( XXXX ) XXXX and told them that the charge was really not authorized, and that they did right by declining the transaction. Chase cancelled my Debit card and I also requested Chase Bank to post a notice on my bank account that I do not authorize any charges from XXXX XXXX  to my bank account. 
Now, on XX/XX/XXXX, I am opening up my Chase Bank statement and seeing that Chase sent my money to XXXX  on the next day, XX/XX/year>. 

This is really frustrating, because I have been very clear on my call to Chase saying that XXXX XXXX was NOT authorized to charge my bank account, but still, Chase took my money without my authorization. Much the opposite, I clearly told Chase that I would NOT authorize. 
The main reason for the frustration is that Chase is not following the orders of the account owner, and is depleting the bank account unauthorizedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
These debt collectors have engaged in abusive, deceptive, and unfair practices in violation of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, they failed to follow the legally required five-step debt validation process, denying me my right to proper notice and verification, which constitutes an unfair and unlawful practice. Under the FDCPA, I am entitled to up to {$1000.00} per violation, and these actions represent clear violations of my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
These debt collectors have engaged in abusive, deceptive, and unfair practices in violation of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, they failed to follow the legally required five-step debt validation process, denying me my right to proper notice and verification, which constitutes an unfair and unlawful practice. Under the FDCPA, I am entitled to up to {$1000.00} per violation, and these actions represent clear violations of my consumer rights.

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 2025-09-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: MARINER FINANCE, LLC
State: KY

Complaint narrative:
I cashed a check that was mailed to me as a loan offer from mariner finance. My bank placed a hold on the check and subsequently closed my account because XXXX deemed the check from mariner finance a risk. XXXX returned the funds of the loan to mariner finance and their bank. However, mariner finance will not return the loan funds to me. And I am still making payments to mariner finance for a loan that I technically have not received. I want to receive the loan funds or else have this loan cancelled and my payments that I have XXXX returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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:
Regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account contains inaccurate information. In the payment history section of this account on TransUnion for the month of XX/XX/2019 it shows 30 days past due. In the payment history section of this account on XXXX  for the month of XX/XX/2019 it shows paid. ( SEE ATTACHED DOCUMENTS ) Both can not be accurate on the same account on two different credit bureaus from the same source. This is after the Dispute results from both TransUnion and XXXX  claim this information was verified. It was clearly not verified and is inaccurate information. If XXXX XXXX changes this information after both TransUnion and XXXX  claim this information was verified, then that proves to the CFPB and in a court of law that these credit bureaus are not verifying the information as they claim. It is my right under the FCRA to accurate information on 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 2025-09-27 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: WV

Complaint narrative:
Today, XX/XX/year> I received a credit card in the mail with my name and address on it from Wells Fargo for XXXX XXXX account ending in XXXX with a credit limit of {$1000.00} I did not apply for this card at all. I want to report 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 non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
This debt is not owed because the school closed. My student loans are all being discharged becuase the school is no longer a credible college. This loan should also be discharged as the school can not provide me what was promised becuase it was shut down.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: IL

Complaint narrative:
On XX/XX/year> we were frauded {$6500.00} from our US Bank online bank account. Cash advances from a credit card for {$4300.00} was added to our checking account. Three purchases totalling {$6500.00} were made using my debit card at 2 stores. At no time did us bank text us to verify if these charges were authorized. This includes 3 store charges & 2 cash advances. Us bank has declined our fraud case claiming our credit card with pin was used for these purchases. We were told to contact our police department to get security footage from the 2 stores to prove who used my debit card. Without notification from the bank, we had no opportunity to stop these charges. Currently the bank is withholding our social security checks to pay back what we allegedly owe them.

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 2025-09-27 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Chase is allowing a customer to use my Social Security Number to open a credit card. A while back I applied for a credit card at Chase and was denied because someone already has an account with my SSN. I tried talking to fraud and I just kept getting passed around from department to department.

Company response to consumer: Closed with explanation