vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: UT

Complaint narrative:
On XX/XX/XXXX I received a text which I deleted but it came from as a chime fraud alert for a balance. Then a while after got a call around XXXX ish from what I though was a chime member turned out to be a scam. I know a the works of a scammer but without giving my information out only the last XXXX digits of my card they were able to close my credit builder and my savings account without my authorization and when I called a chime member right after all of that they said only a chime employee can do that. The times from the phone call I had with the scammer to the times my accounts got closed is all within the same time of the scam in which after my accounts were closed I thought I was dealing with a chime member. Saying my accounts had this happened morr than once and it has. So needed to take further steps to keep my account safe and since at that time my accounts were closed and all my money was in my checking it didn't hit me i was being scammed. Sent over {$3000.00} dollars and only because my accounts were closed so I literally thought I was dealing with a chime employee when I sent the money off. They had me convinced which is thee XXXX time this has happened to me being able to get into my account. And if it wasn't a chime member then how were they able to access my account without my personal information. I have the phone call logs and times emails that all add up to the time of the scam. To prove I didn't have a chime employee close my accounts all of thee sudden for no reason when they asked that I authorized it. My account was hacked or I was played and was denied real quick on my dispute. Refuse to give up that's all my money and they just deny it like that. I understand that I sent the money. But would of never have done so if they didn't have me believe they were a chime member when they closed my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In 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 XXXX 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 2025-08-17 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: NY

Complaint narrative:
This complaint is against the national credit reporting agencies ( Equifax, Experian, and TransUnion ) for failing to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), which requires proper reinvestigation of disputed items.

Despite multiple disputes with supporting documentation, each bureau verified or re-reported inaccurate and unverifiable information without properly conducting a reinvestigation. I am requesting the Automated Consumer Dispute Verification ( ACDV ) procedures and full documentation used to verify these accounts. 
Disputed Accounts XXXX XXXX XXXX XXXX  Acct. XXXX XXXXXXXX XXXX XXXX XXXX XXXX Acct. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct. XXXX XXXX XXXX XXXX XXXX Acct. XXXX XXXX XXXX XXXX XXXXXXXX ( Orig. Creditor : XXXX XXXX XXXX XXXX Accts. XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Acct. XXXX XXXX XXXX  Acct. XXXX XXXX  XXXX Accts. XXXX, XXXX, XXXX XXXX XXXX BANK XXXX Acct XXXX XXXX XXXX XXXX XXXX  Acct. XXXX XXXX XXXX Acct. XXXX XXXX XXXX  Accts. XXXX, XXXX XXXX XXXX XXXX XXXXE Acct. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Acct. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Accts. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX Acct. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Accts. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Types of Errors Across All Bureaus : Incorrect payment history False late payment notations Improper charge-off or collection status Accounts verified without documentation of debt Unverifiable or inaccurate data remaining after dispute FCRA Violations Failure to initiate investigation within 5 business days.

Failure to forward disputes to furnishers within 5 business days.

Failure to complete investigation within the statutory 3045 days. 


Failure to delete or correct unverifiable information per 1681i ( a ) ( 5 ) ( B ).

Failure to provide notice of results within 5 business days after completion.

Verification of accounts without providing underlying documentation.

Requested Resolution Immediate deletion or correction of all disputed accounts that remain inaccurate or unverifiable. 


Full XXXX  XXXX XXXX and verification procedures used by each bureau. 


Written confirmation of all corrective actions taken. 


Issuance of a free updated credit report reflecting changes. 


Explanation of why items were verified despite evidence to the contrary.

Escalation Notice If not resolved, I intend to pursue further enforcement actions, including filing complaints with the FTC, my State Attorney General, and seeking damages under 15 U.S.C. 1681n & 1681o for willful and negligent violations of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Ive been receiving letters from a debt collector called Midland Credit Management threatening to sue me for a debt if I do not respond to there claims in a timely fashion. They have not substantiated if the debt is actually mines and insist that I make payment towards this debt. I am not familiar with the debt I am being accused of having and would like help and or guidance on how I should respond to this debt collectors claim

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: TX

Complaint narrative:
I am submitting this complaint regarding multiple unauthorized credit inquiries that have appeared on my transunion credit report without my knowledge or consent. 

These inquiries were not initiated or authorized by me, and I have no business relationship with the entities responsible for them. I am concerned that this may be a result of identity theft or misuse of my personal information. These inquiries are negatively affecting my credit profile, and I am requesting that they be investigated and removed from my report immediately. 

I have already contacted TransUnion and the companies listed in the inquiries but have not received a satisfactory resolution. Therefore, I am seeking the assistance to ensure these unauthorized inquiries are removed promptly and that my rights under the Fair Credit Reporting Act ( FCRA ) are upheld. 

Below I have listed all unauthorized inquiries : XXXX  ( Bank ) XX/XX/year> XXXX XXXX XXXX Finance ) XX/XX/year> XXXX XXXX  XXXX Retailer ) XX/XX/year> XXXX ( Bank ) XX/XX/year> XXXX XXXX XXXX XXXX Auto ) XX/XX/year> XXXX XXXX ( Retailer ) XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/year> XXXX  ( Retailer ) XX/XX/year> XXXX ( Bank ) XX/XX/year> XXXX XXXXXXXX XXXX ( Auto ) XX/XX/year> XXXX XXXX  ( Finance ) XX/XX/year> XXXX  ( Bank ) XX/XX/year> 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 2025-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In 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 2025-08-17 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: EQUIFAX, INC.
State: LA

Complaint narrative:
In 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
In 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 2025-08-17 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: GA

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-08-17 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: ADP Inc.
State: MN

Complaint narrative:
There were XXXX transactions that I did not make. I was denied my dispute after XXXX  months. They do not have an appeal process. I hand wrote a letter and asked for supporting documents and that I want to appeal. I have not received any other correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: Consumer Portfolio Services, Inc.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Re : Unauthorized Hard Inquiries Immediate Removal Requested Dear CFPB Representative, I am filing a formal complaint against Consumer Portfolio Services ( CPS ) regarding repeated unauthorized hard credit inquiries. On my credit report, CPS placed hard inquiries on the following dates : XX/XX/XXXX XX/XX/XXXX I did not apply for credit, sign any contract, or authorize these inquiries. 

I previously disputed these inquiries directly with the credit bureaus and Consumer Portfolio Services. Despite my disputes, I was told the inquiries were verified and accurate. However, no proof of authorization has ever been provided in response to my requests. This matter has been ongoing for over a year, and Consumer Portfolio Services has failed to demonstrate a permissible purpose for accessing my credit file. 

Under the Fair Credit Reporting Act ( FCRA, Section 604 ), a creditor must have both a permissible purpose and consumer consent before obtaining a credit report. Without documented authorization, these inquiries are unlawful. 


Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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 submitting this complaint regarding multiple unauthorized credit inquiries that have appeared on my equifax credit report without my knowledge or consent. 

These inquiries were not initiated or authorized by me, and I have no business relationship with the entities responsible for them. I am concerned that this may be a result of identity theft or misuse of my personal information. These inquiries are negatively affecting my credit profile, and I am requesting that they be investigated and removed from my report immediately. 

I have already contacted equifax and the companies listed in the inquiries but have not received a satisfactory resolution. Therefore, I am seeking the assistance to ensure these unauthorized inquiries are removed promptly and that my rights under the Fair Credit Reporting Act ( FCRA ) are upheld. 

Below I have listed all unauthorized inquiries : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XXXX XXXX XX/XX/scrub>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 2025-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/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 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 2025-08-17 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: ENCORE CAPITAL GROUP INC.
State: DE

Complaint narrative:
To Whom It May Concern, I am writing to formally request that Midland Credit Management , Inc. cease and desist all further communication with me regarding an alleged debt in the amount of {$680.00}, reportedly dated XX/XX/year>. 
Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( c ), I am exercising my right to request that you immediately stop contacting me. You may not communicate with me again except to notify me that : You are terminating collection efforts ; You may invoke specified legal remedies ; or You intend to invoke specified legal remedies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These inquiries were not authorized and proof has not been provided showing otherwise, the following inquiries are listed by company and date : 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 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 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 XXXXXX/XX/XXXX EXPERIAN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Synovus Bank
State: MD

Complaint narrative:
Someone opened a XXXX XXXX XXXX XXXX in my name. And I did not do it. XXXX  deleted it when I disputed it but when I disputed it with XXXX  and XXXX  the declined my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: MN

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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