vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 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: CT

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information reported on my credit file. Upon reviewing my credit report, I found multiple items that I believe to be incorrect or outdated. These items do not reflect my true credit history and are negatively affecting my credit standing.

According to the Fair Credit Reporting Act ( FCRA ), I am requesting that these inaccurate items be investigated and either verified or removed from my credit report if found to be incorrect. Below are the details of the disputed accounts : XXXX, XXXX Account # XXXX This account was paid off and is showed as paid but still listed as past due. 
XXXX XXXX XXXX Account # XXXX This account is showing inaccurate information on payment amount. 
XXXX XXXX XXXX XXXX Account # XXXX The balance is incorrect, and I was never notified or updated with any information after repossession, This is violating my rights. 
XXXX XXXX- Account # XXXX The balance is also incorrect, and I was never notified or updated with any information after repossession, This is violating my rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: KY

Complaint narrative:
Monday XX/XX/year> chime closed my account for violating terms of service they would not tell me what terms I violated or how all my funds were in the account the closed with no prior notice this has hindered my ability to travel home and pay my bills I have with no explanation why they did this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: MO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$31.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$31.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute and request the deletion of outdated and inaccurate personal information from my credit file, specifically related to old employers and past addresses. I have contacted both TransUnion and Equifax previously regarding these issues, and was informed that updates would be made. However, as of today, these inaccurate records remain on my report. 
Employers to Remove : - XXXX ( TransUnion ) XXXX XXXX XXXX XXXX XXXX ( Equifax ) XXXX XXXX XXXX XXXXXXXX ( Equifax ) Addresses to Remove : - [ List outdated addresses here that need to be removed ] Impact on Disputes : The continued presence of these outdated employers and addresses is actively interfering with my ability to fairly dispute negative accounts. Disputed items are being improperly verified because they are being linked to this outdated personal information. This violates my rights under the Fair Credit Reporting Act ( FCRA ) 611.

Important Notice Regarding Legal Action : Please also be reminded that there is an active class action lawsuit against the credit bureaus regarding the failure to properly investigate and delete negative accounts, despite consumers providing valid disputes and supporting documentation. Your ongoing failure to remove outdated personal data and reinvestigate disputed accounts places your agency at legal risk and may result in regulatory penalties or further consumer litigation.

I am requesting immediate removal of the employers and addresses listed above, as well as a reinvestigation of any accounts previously verified while this outdated personal information was on file. Please confirm the deletion and provide me with an updated copy of my credit report reflecting these changes.

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 2025-06-23 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:
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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$44.00} XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$350.00} XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$62.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXXXXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$85.00}

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 2025-06-23 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:
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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXXXXXX INQUIRIES : XXXXXXXX XXXX Date : XX/XX/year>

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 2025-06-23 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$85.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: PA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
" This account is over 7 years old from the date of first delinquency and should no longer appear on my credit report per the Fair Credit Reporting Act. Please remove it from my file. ''

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 2025-06-23 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: CA

Complaint narrative:
I

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also 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 seven 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.

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 2025-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I received a bank statement from Capital One for an account I did not open. I called the number on the statement and gave them my SSN before realizing it was fake. I then contacted the real Capital One to alert them of this fraud and have them shut down the account. I am now writing to protect my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: EVERBANK, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
In XX/XX/year>, I reached out to XXXX XXXX XXXX XXXX XXXX after no response or limited investigation from the bank 's customer service on this matter ). He referred me to his resolution team. 
I shared the copy of the returned checks on an account from XXXX ( not opened by me ), the penalty assessed by the IRS ( now {$3200.00} as IRS just added another {$1700.00} penalty and the state {$720.00} ) for the checks declining. The checks were issued to me but for another account, which I had not opened. 
I asked for reimbursement for these penalty amounts and provided copies to Everbank of the returned check and penalty letter. 
Resolve indicated that he would investigate the matter. 
It took over XXXX  months to investigate, only for Everbank to decline reimbursement of the penalty. They stated that I must have known about the account, since I called to have the account closed. 
When I explained that I called Everbank for a different banking matter ( my XXXX XXXX ; I had been a XXXX Everbank customer for several years ) and that the representative on the phone, also mentioned that there was an account that was being closed due to inactivity -- did I wish to close it -- I said sure, if it's inactive. I did not know about it, otherwise, nor did I know that the bank had sent me checks for this account. 
As I tried to explain, XXXX said didn't want to hear any additional information or explanation ; and the bank considered the matter closed. 
IRS just sent me a letter adding additional penalty and interest for the declined check now totaling {$3200.00} ( plus a {$720.00} penalty from the state ). For the bank 's mistake in opening an account, I suffered {$4000.00} in penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: CL Holdings LLC
State: OH

Complaint narrative:
I asked company for validation that I owe them the debt. I also informed them that I do not owe them any debt please stop reporting incorrect information on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
On or about XX/XX/XXXX, I transferred a {$20000.00} balance from another credit card to my Barclays AAdvantage credit card pursuant to an offer I received. Prior to the transfer, I had a balance of approximately {$18000.00} on the Barclays credit card at a XXXX XXXX APR. 

The offer stated the amount transferred would have no interest on the balance transferred as long as I paid the amount I had transferred back by XX/XX/XXXX. On XX/XX/XXXX, I called Barclays to find out the best method to pay the {$20000.00}. The representative told me that if I paid the {$20000.00}, it would be applied to the balance with the highest interested rate, i.e. the previous balance. The remaining amount of the balance transfer would be subject to the higher interest rate of XXXX XXXX. I told the representative this was misleading in that nothing in the offer indicated the transferred balance could not be paid back without paying the prior balance. She seemed sympathetic but was unable to offer any help. I said I would like file a complaint. 

I was transferred to the representative 's manager who told me the same thing. I asked where this was disclosed, and she said it was in the terms and conditions. I asked this information was provided in the original offer. She repeated that it was in the terms and conditions. I asked her to email me a copy. She said that she could only mail it to me. I asked the font size and the length of the disclosure in an effort to have her recognize that this was never made clear. I started asking other questions and she began to talk over me and then hung up.

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 2025-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit report shows collection accounts that I believe include inaccurate information. Under my rights as outlined in 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a fully accurate report. I am asking for a review of these entries, and if they can not be confirmed as accurate, they should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Dear valued XXXX, i would like to bring to your attention that we have recently noticed fraudulent charges on your credit card account. This is not the first time we have informed you about these charges, as we have sent previous notifications regarding the same issue. We have repeatedly requested for the fraudulent charges to be discharged and the balance to be reset. Despite multiple payments made towards the balance, i have unfortunately still incurred significant losses.i have also been in communication with your fraud department to resolve this matter as soon as possible. i urge you to take immediate action and discharge all fraudulent charges, as well as refund any frozen amounts from these internet charges. i have acted in good faith and made several payments towards the fraudulent balance, in addition to interest fees. i kindly request for your prompt attention in resetting the balance on these credit accounts. Thank you for your cooperation in this matter. Sincerely

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