vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 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: GA

Complaint narrative:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: MD

Complaint narrative:
I am writing to dispute the inaccurate information reported on my credit report with Experian. I have previously submitted disputes regarding these inaccuracies, but they have not been corrected, which continues to affect my credit score and financial standing.

As you are aware, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian for failing to properly investigate consumer disputes and for reporting inaccurate information on credit reports. I am referencing this case as part of my ongoing dispute, as I believe that my situation falls under the same issues cited in the CFPBs action. 
I have already submitted multiple disputes regarding these inaccuracies, and they have yet to be corrected. This failure to address and resolve the discrepancies not only violates the Fair Credit Reporting Act ( FCRA ) but also directly impacts my ability to access credit, and in some cases, negatively affects my interest rates and loan opportunities. 
As per the FCRA and as demonstrated in the CFPBs case against Experian, I request that you : Immediately investigate these disputes. You are required to conduct a reasonable investigation into the accuracy of the information and correct any inaccuracies within XXXX  days. 
Provide an update or resolution. Please notify me of the findings and actions taken with respect to my disputes. 
Remove any unverifiable or inaccurate information. If you can not verify the accuracy of the information in question, I request that you remove it from my credit report entirely. 
Additionally, please provide me with a written confirmation of the actions taken, including an updated copy of my credit report reflecting the corrections. 
I trust that you will resolve this matter promptly and in compliance with all applicable laws and regulations. 
Thank you for your attention to this matter. I look forward to your swift response.

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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 non-monetary relief
Consumer complaint received 2025-08-07 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:
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 2025-08-07 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: FL

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 2025-08-07 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: MO

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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.

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 2025-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
They sent a letter to my place of employment, without my name on the outside letter stating that I will be held in contempt if I dont pay this. My employer opened it and read the whole thing because it was address to my employer and not me. I continue to receive phone calls 7 days a week at least 3-5 calls a day for debt loans.

Harassment.

I have made 3 offers of 50 % of the amount owed. Which is what I can afford. They continue to stress they want me to make payments and that I can only receive a few grand off. At this point they should dismiss it all.

I am a single father of 2 kids with full custody and the sole provider for them. I am taking on the world for them because that is what my kids deserve.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: GA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
I opened a bank account with citibank a few months ago and have had my payroll direct deposited for a while now. 

On Tuesday XX/XX/XXXX I noticed a mobile deposit of a check into my account that I did NOT intitiate. I changed my login information to my bank account, and contacted citibank to alert them. I was informed to call back on XX/XX/XXXX when the check posts to find out what the check was and where it was from, as they could not see it in their system. 

when I called back on XX/XX/XXXX I was informed the check was being flagged as fraud, and my account would be frozen for investigation. I lost all access to login and seeing any information on my account from that point on. 

I was informed any and all deposits/transactions would be frozen and blocked/rejected as my account would be marked for closure and a new account could possibly be opened up. 

I received notification that my direct deposit was not rejected and deposited into my frozen account on XX/XX/XXXX. Citibank has refused to give me access to my funds, allow me to view any account statements, or correspondance of procedure and steps forward to resolve this matter. My payroll deposit was XXXX into my citibank checking and XXXX into my citibank savings. 

Everytime I have called, I have gotten a different explanation as to what the status of my account and balance is, and anytime I ask for confirmation, or explanation, I have been informed " I just have to wait for citibank to send out documentation in the next 10-14 business days '' Escalated to their Executive response team, and have been told I have to wait for CITIBANK to decide what to do with my funds.

This is flat out theft and a scam. I have no recourse, and no action to be able to advocate for my funds.

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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am requesting that the following actions be taken immediately : Delete the XXXX XXXX bankruptcy ( Case XXXX XXXXXXXX ) from my credit report if it can not be directly verified with the bankruptcy court, in accordance with FCRA 1681i ( a ). 

Correct or remove all related accounts ( XXXX XXXX XXXX XXXX XXXX that are still reporting derogatory information despite being discharged in bankruptcy. These accounts should reflect a {$0.00} balance and a " discharged in bankruptcy '' status, or be deleted if unverifiable.

Provide written confirmation of the investigation results, including whether the information was verified with the original source, not third-party databases like XXXX. 

Send an updated copy of my credit report showing all corrections or deletions within 15 business days.

If these corrections are not made, I will pursue all remedies available under the FCRA for willful non-compliance.

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 2025-08-07 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: IL

Complaint narrative:
This letter serves as a formal follow-up to my initial dispute XXXX XXXXXXXX regarding inaccurate information being reported on my consumer credit report by Equifax, XXXX XXXX XXXX  for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am now invoking my rights under FCRA 611 ( 15 U.S.C. 1681i ), which mandates that consumer reporting agencies reinvestigate disputed information and provide a detailed description of the procedure used to determine the accuracy and completeness of the disputed items. Since your previous response returned the accounts as verified, I am now requesting the specific method of verification used to reach that conclusion, including the name and contact information of the furnisher, and the original source of the data used to verify the accuracy of the delinquency status reported. If you are unable to provide this information, or if the furnisher can not produce documented evidence bearing my original wet signature authorizing the reporting of such information, then per the FCRA, all contested items in my original dispute must be permanently deleted from the credit report you maintain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-08-07 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$18000.00} XXXX XXXX - Account Number : 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 : {$890.00} INQUIRIES : XXXX Date : XX/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 2025-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: LA

Complaint narrative:
I had a complaint with chime about an original dispute that I put in for unauthorized transactions on my account. Per chime request I was to file a police report contact the merchant and see if I can get a refund. Once contact the merchant they let me know that they couldnt offer a refund and insisted that I contacted the bank for refund credit. Chime has ask me to upload the documents of this conversation and yet still denied my claim saying they found no error on the transactions. This had been the same exact case over and over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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:
These were received without notice and may not hold approval. Kindly assess the related documents.

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 2025-08-07 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:
These materials pertain to sudden inquiries that may not have formal approval. Please review.

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 2025-08-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Kikoff Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX XXXX XXXX  I signed up for a cash advance called grand cash advance and the developer is from kickoff LLC. I downloaded the app off of the XXXX XXXX. I signed up and I was approved for {$75.00}. I requested the {$75.00} and it would it said it would arrive in my account by XX/XX/XXXX but once I saw that the repayment date was too close, which was XX/XX/XXXX I wanted to close the account I reached out to their customer support several times and the agent told me that unfortunately, they can not fully close the account and they have the right to debit any money or any outstanding balance, even if the account is closed and I explained I never got the advance And I never received the advance said several times to close the account and remove my bank and debit card to not get charged. The agent said that that he can not fully close the account. This morning XX/XX/XXXX I received an email that my that the advance of {$75.00} was taken out of my account and I have never received the {$75.00} advance then I was charged a {$9.00} membership even though the account was closed that is stealing And took money out of my account that I was that was never given to me. I filed a complaint via the Better Business Bureau and I called my bank and file a claim I want my money back XXXX XXXX XXXX is refusing to refund me so I reached out to my bank and file a claim. This is a fraudulent app And their people take advantage of those that are barely making it and that are struggling financially. This morning I received a email from another agent named XXXX and she told me she looked closely at my account and told me. Said she taken a closer look on my account and she understand that you have requested a cash advance but you haven't received it and you don't want it anymore because of the repayment date is too soon for you to pay, unfortunately, once the request for cash advance has been initiated, it could not be modified anymore. Additionally, the repayment date is being automatically generated by the system and it is based off your linked paycheck. 

And basically, she said she understand that this has been confusing and that this might not be what you have expected as a resolution but she wants to still acknowledge the effort you've put into understanding the situation. Once again shes refusing to refund the other agents refuse to refund. I have been back-and-forth with these people and it has been stressful so I filed a claim with the bank since XXXXXXXX XXXX XXXX is refusing to refund and XXXX never doing business with these people again terrible customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Home Loan Center, Inc.
State: AZ

Complaint narrative:
XXXX XXXX is calling over XXXX times per week. XXXX calls in the last week & every week. I have told them to stop speaking to the representative thats calling. But it hasnt stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit report all of which I did not initiate, authorize, or recognize. 
I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with non-monetary relief