vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: OH

Complaint narrative:
I have XXXX XXXX  and XXXX XXXX when I get a cash deposit, I always send it to my chime account and before I have it sent I have to put in a card number. I always use my debit card because at times my credit builder is in the negative. I spoke with an agent and was advised on XXXX it was changed so anytime I have money sent I do not have the option to select which card it goes onto, instead it will automatically go to my credit builder. As a customer I should have that option instead of being told basically we dont care its going to whatever card we want, you dont have that option. I dont want to close my account with Chime but I will because this is not fair, its like I dont have no control as to where I want my money to go. I also spoke to an agent on Thursday XX/XX/year> and was placed on hold for over XXXX minutes to get hung up on, I also want to report that and how the customer service reps show no empathy/sympathy on the calls as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: MD

Complaint narrative:
This letter serves as formal notice that Experian, Equifax and TransUnion are in violation of federal law, specifically 15 U.S.C. 1681b ( a ) ( 2 ), which clearly states that a consumer reporting agency may only furnish a consumer report with the written instructions of the consumer. I have never provided Experian, Equifax and TransUnion with written consent to report any information on my consumer file. No consent constitutes identity theft. 
I have attached an Identity Theft Report documenting that the following accounts have been illegally furnished on my consumer report : XXXX # XXXX ; Date Opened : XX/XX/XXXX ; Balance : {$8100.00} XXXX # XXXX ; Date Opened : XX/XX/XXXX ; Balance : {$3900.00} XXXX # XXXX ; Date Opened : XX/XX/XXXX ; Balance : {$7300.00} XXXX # XXXX ; Date Opened : XX/XX/XXXX ; Balance : {$6500.00} Experian, Equifax and TransUnions failure to remove these unauthorized accounts is a direct violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 6802. Specifically : 1. Experian, Equifax and TransUnion have unlawfully disclosed my nonpublic personal information to third parties without my explicit consent in violation of 15 U.S.C. 6802 ( a ) & ( b ). Equifax never provided me with a clear and conspicuous opt-out notice before sharing my personal data.

2. Experian, Equifax and TransUnion have conducted a fraudulent investigation, failing to properly verify the disputed accounts. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian, Equifax and TransUnion are required to conduct a reasonable reinvestigation, yet no direct interview or proper verification process was conducted with methe only authorized source of validation.

Pursuant to 15 U.S.C. 1681 ( a ) ( 1 ), which states that the banking system relies on fair and accurate consumer reports, Experian, Equifax and TransUnions actions have severely undermined my confidence in the financial system. If Experian, Equifax and TransUnion wish to continue doing business with me, it must immediately correct these violations by removing all unauthorized accounts and information from my consumer 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 2025-07-27 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: CT

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-07-28 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: NY

Complaint narrative:
I had a disputed charge with my chime checking account debit card. It was for an online food order and my card was charged twice and the incorrect amount on the first charge. I cancelled the food order and never received anything from the merchant. I disputed with chime and according to their XXXX XXXX XXXX  disputed for transaction that take more than 10days are issued a provisional credit. When I called and asked about this I was told the dispute investigation will tske 90 days and im not eligible for the provisional credit even though their app and website clearly outlines that investigations exceeding ten days will result in the account being issued a provisional credit. They did not care and refused to explain why the investigation was taking so long or why I wasnt being issued a provisional credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
When checking my credit profile I came across hard inquiries that do not 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 non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To Whom It May Concern : I am writing to formally request that you remove or lift any fraud alerts, blocks, or security freezes currently placed on my consumer file. These freezes are preventing me from opening bank accounts and credit card accounts, and they are severely impacting my ability to manage my financial life. 

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX et seq., and other applicable consumer protection laws, I request that your agency : Remove or lift any fraud alerts, freezes, or other restrictions that are currently affecting access to or verification of my consumer file. 

Update my contact information on file to the following : Current Address : XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, CA XXXX Phone Number : ( XXXX ) XXXX To verify my identity and assist with this process, I have attached the following documents : A copy of my Drivers License ( with current address ) A recent Utility Bill ( with current address ) A copy of my Social Security Card

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 2025-07-27 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: PA

Complaint narrative:
The account XXXX XXXX is fraudulent and illegally reporting on my credit report. This false account is harming me by lowering my score, making credit approval harder, raising interest rates, increases insurance costs, and affecting job and housing opportunities; threatening my ability to secure stable housing for me and my toddler. This account being furnished on my credit report exposes me to collection activity and harassment on a debt that is not mine causing stress and impacts my mental health. This account is not my obligation and violates my rights under 15 USC 1681b ( A2 ), 1681ae, 1692b, 1681b, 1692j, 1692d, 1692e, and 1692f. 

The account information found on my credit report on XX/XX/XXXX is listed below : Account name XXXX XXXX  Account number XXXX Original creditor- Company sold- Account type Auto Loan Date opened XX/XX/XXXX Open/closed Closed Status Account charged off. {$25000.00} written off. {$3600.00} past due as of XX/XX/XXXX. 
Balance {$3600.00} Balance updated XX/XX/XXXX Original balance {$34000.00} Monthly payment- Last Payment Date XX/XX/XXXX Past due amount {$3600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: PA

Complaint narrative:
The account XXXX XXXX is fraudulent and illegally reporting on my credit report. This false account is harming me by lowering my score, making credit approval harder, raising interest rates, increases insurance costs, and affecting job and housing opportunities; threatening my ability to secure stable housing for me and my toddler. This account being furnished on my credit report exposes me to collection activity and harassment on a debt that is not mine causing stress and impacts my mental health. This account is not my obligation and violates my rights under 15 USC 1681b ( A2 ), 1681ae, 1692b, 1681b, 1692j, 1692d, 1692e, and 1692f.

The account information found on my credit report on XX/XX/XXXX is listed below : Account name XXXX XXXX Account number XXXX Original creditor- Company sold- Account type Auto Loan Date opened XX/XX/XXXX Open/closed Closed Status Account charged off. {$25000.00} written off. {$3600.00} past due as of XX/XX/XXXX. 
Balance {$3600.00} Balance updated XX/XX/XXXX Original balance {$34000.00} Monthly payment- Last Payment Date XX/XX/XXXX Past due amount {$3600.00}

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 non-monetary relief
Consumer complaint received 2025-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX  XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX VIA DEALER Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX VIA DEALER Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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:
I am disputing inaccurate information that is being reported on my credit report. I have contacted the credit bureaus ( XXXX, Experian, and XXXX ) to request removal of the following accounts/inquiries, but they have failed to provide proper validation or remove the disputed items. 

These accounts are either inaccurate, not mine, or outdated beyond the reporting time allowed under the Fair Credit Reporting Act ( FCRA ). I am requesting that these items be thoroughly investigated and permanently removed from my credit report. 

Thank you for your attention.

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 2025-07-27 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: TX

Complaint narrative:
I am disputing inaccurate information that is being reported on my credit report. I have contacted the credit bureaus ( XXXX, Experian, and XXXX ) to request removal of the following accounts/inquiries, but they have failed to provide proper validation or remove the disputed items. 

These accounts are either inaccurate, not mine, or outdated beyond the reporting time allowed under the Fair Credit Reporting Act ( FCRA ). I am requesting that these items be thoroughly investigated and permanently removed from my credit report. 

Thank you for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I am a customer of TD bank and have had these issues for months and months I have called them to complain and they just make excuses and play it off as minor. The slogan for this bank is America most convenient bank yet the atms are constantly down and inoperable. Multiple complaints have been filed by me about these issues to no avail. Most times there atms both the drive thru and inside lobby atm are down at same time causing you to drive miles to another bank within the same branch not very convenient now is it? Or youre left going to another bank branch which then TD turns around and charges you for using which is unfair and fraud in my opinion. I can only imagine how many other people have just went to another atm and incurred a surcharge because of TD banks lack of awareness or care to the matter. The location was at XXXX XXXX XXXX XXXX pa XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: GA

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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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:
Please check the information concerning EQUIFAX data breach below in attachments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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:
Please check the information concerning EQUIFAX data breach below in attachments.

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 2025-07-28 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: IL

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX ( mo ) XXXX XXXX. i presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character. ) XXXX XXXX balance {$210.00}, XXXX XXXX balance {$1800.00}. please remove these credit inquiries. FACTUAL DATA, XXXX AUTO, XXXX XXXX, CONSUMERS XXXX, XXXX, XXXX, XXXX XXXX XXXX, FIN INST XXXX, XXXX AUTO, XXXX AUTO, 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 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 2025-07-28 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: NY

Complaint narrative:
This letter serves as my formal notice of dispute concerning certain account listed on my credit report that I believe was accessed or reported without a permissible purpose as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b. Under the FCRA, a consumer reporting agency may furnish a consumer report only under specific, lawful purposes listed in 1681b ( a ). Any entity that accessed my credit file without my authorization or without a valid legal reason has done so in violation of this federal law. Upon reviewing my credit reports, I found entries that I did not authorize, nor did I initiate any transaction that would justify such access. These unauthorized entries violate 1681b ( f ), which prohibits users from obtaining a consumer report without a permissible purpose. Legal Precedent : In the case of Sterling v. Mercantile Adjustment Bureau , XXXX, XXXX XXXX XXXX ( XXXX. ), the court ruled in favor of the plaintiff, stating that a credit report pulled without a valid permissible purpose under FCRA constitutes a willful violation, which is actionable. Furthermore, multiple credit bureaus were defendants in recent lawsuits filed in 2023 for re-reporting or permitting access to consumer reports after the accounts were removed, which is also considered a willful disregard of consumer rights. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: MS

Complaint narrative:
My mom passed in XXXX of XXXX and her income played a huge part of our income. She didn't have life insurance and her funeral at the cheapest was XXXX and I had to come up with almost XXXX up front. As soon as I got her buried my step dad had to have emergency XXXX XXXX and everything has been horrendously wrong. I've done everything I can to stay current including selling my land and all of anything that would be worth anything and got paid up to this month. I am drowning in this mortgage. I pay XXXX/month and my interest rate is 9.98 % my loan hasn't went anywhere in XXXX  years now! The team members I have talked to at Vanderbilt mortgage aren't trying to help they're hateful mean, and demanding. They don't try to help you at all they try to intimidate you and make you feel like you are a horrible person who can't pay your bills and that you are going to loose your house.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: MS

Complaint narrative:
I, XXXX XXXX XXXX, am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) against Experian Information Solutions , Inc. for violations of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and the Truth in Lending Act ( TILA, 15 U.S.C. 1601 et seq. ). On XXXX XXXX XXXX, I submitted an FTC Identity Theft Report to Experian, declaring under penalty of perjury that I am a victim of identity theft. The report detailed fraudulent accounts, unauthorized hard inquiries, and incorrect addresses on my credit report. Despite my request for deletion within four days, Experian has failed to address these issues, causing significant financial and emotional harm. 

SEE ATTACHMENTS

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 2025-07-28 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: CT

Complaint narrative:
Dear CFPB, I recently reviewed my credit report and noticed that an account is inaccurately reporting XXXX late payments. I would like to formally dispute this information, as I made all payments on time for this account. 

Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to report information with complete accuracy. The reported late payments are incorrect and do not reflect my actual payment history. 

Please find attached a copy of my credit report highlighting the inaccurate entries, along with supporting documentation for your review. The late payments are shown on the following dates : [ XX/XX/year> and XX/XX/year> ]. 

I am requesting a formal investigation into this matter. Please provide verifiable documentation and payment records supporting the claim that these payments were late. If the information can not be verified, I demand that the payment status be corrected to reflect " XXXX on XXXX '' immediately. 

Thank you for your prompt attention to this matter. I look forward to your response and a resolution within the XXXX period allowed by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief