vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: IA

Complaint narrative:
I have never used Chime. However, i received an email notifying me that {$300.00} was sent from me to someone named XXXX. Since I never made a Chime account, I was puzzled. So I logged into Chime using my email and a password, I figured maybe I had created an account a while ago and just forgot about it or something. Then I noticed that indeed, my email was associated with the account and there was banking and routing information that was not mine. The phone number associated with the account was also not mine. So I called Chime freaking out because I didnt want my personal information to be potentially used in fraudulent activities or scams. After some phone calls with various Chime reps, the closes the account associated with my email. However, they refused to discuss any of the details with me, instead saying appropriate actions will be taken. I work for a law firm. This intentional vagueness is very concerning because the potential of my personal information being out in the ether is very troubling. I have researched other people on XXXX who have corroborated this same thing happening to them with Chime. DO NOT TRUST THESE FOLKS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Requested this to be documented accurately XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was using Bank Of America ATM XXXX at their XXXX location and I deposited {$880.00}. The screen confirmed that it had received {$830.00} and printed a receipt with a malfunction message, however {$0.00} was added to my accounts digital balance. I contacted Bank Of America and they refused to issue me credit although I had trusted them to deposit the last of my cash in my account. As you can understand now I am late on bills, my phone has been shut off and I am in need of groceries. All because of an ATM malfunction. Im so disappointed in Bank of America

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 monetary relief
Consumer complaint received 2025-11-22 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: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and XXXX XXXX U.S. Code XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Splash Cash Holdings LLC
State: MO

Complaint narrative:
I initiated a loan with Splash Cash for {$500.00} in XXXX. They sent me 4 different contracts and all 4 had different payback rates. When i talked to them on the phone with each contract, i told them i didnt want ACH payments. They setup ACH payments anyway. Splash Cash was told on XX/XX/XXXX to remove the ACH debit they had on file for me. That when I had money to pay this debt, I would call in and give my debit card to pay this. On XX/XX/XXXX they charged my debit card for {$240.00} without my authorization. I called Splash Cash. They told me a woman named XXXX would call me back as she was on another call. I then called the bank and paid {$31.00} for a stop payment setup on Splash Cash. Since I had debit overdraft protection and was more over drawn then allowed at that time. The charge was returned. Splash Cash then charged my card again without my authorization on XX/XX/XXXX for {$240.00}. Upon calling Splash Cash again, I was told I would have to call on Monday.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-22 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: NJ

Complaint narrative:
To Whom It May Concern, I am disputing multiple inaccurately reported accounts that were previously verified by their furnishers despite containing clear inconsistencies that violate both the FCRA and XXXX XXXX XXXX XXXX XXXX. The furnishers failed to conduct a reasonable investigation, and the information you are publishing does not meet the maximum possible accuracy standard required by law. 

Accounts XXXX Disputed 1. XXXX XXXX XXXX XXXX XXXX XXXX Major inconsistencies across bureaus : Conflicting DLAs ( XXXX, XXXX, XXXX ) Conflicting high balances ( {$0.00} vs {$4300.00} ) Ongoing payment activity after charge-off Inconsistent remark codes Monthly CO codes for two years XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Conflicting high balances ( {$0.00}, {$2500.00}, {$4100.00} ) Conflicting DLAs ( XXXX, XXXX, XXXX ) Conflicting statuses ( settled, paid charge-off, paid less than owed ) Late payments reported AFTER charge-off Inconsistent remark codes XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Different account numbers across bureaus Conflicting DLAs Conflicting high balances ( {$0.00} vs {$2000.00} ) Conflicting statuses ( charge-off vs late 180 days vs sold ) Inconsistent payment histories 5-year reporting discrepancies Bureaus must assure maximum possible accuracy which is not occurring here. 

FCRA 611 ( a ) Disputed information that can not be verified accurately must be corrected or deleted.

FCRA 623 ( a ) ( 1 ) ( A ) Furnishers are providing inaccurate information, which the bureaus continue to publish.

FCRA 623 ( b ) Furnishers failed to conduct a reasonable investigation.

Verification is invalid when major factual conflicts still exist. 

XXXX XXXX Standards Violated DOFD inconsistencies Late reporting after charge-off Conflicting balances Conflicting statuses Missing/contradictory payment history Inconsistent remark codes Improper post-charge-off updates

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 2025-11-22 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
To Whom It May Concern, I am disputing multiple inaccurately reported accounts that were previously verified by their furnishers despite containing clear inconsistencies that violate both the FCRA and XXXX XXXX XXXX XXXX XXXX. The furnishers failed to conduct a reasonable investigation, and the information you are publishing does not meet the maximum possible accuracy standard required by law. 

Accounts XXXX Disputed 1. XXXX XXXX XXXX XXXX XXXX XXXX Major inconsistencies across bureaus : Conflicting DLAs ( XXXX, XXXX, XXXX ) Conflicting high balances ( {$0.00} vs {$4300.00} ) Ongoing payment activity after charge-off Inconsistent remark codes Monthly CO codes for two years XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Conflicting high balances ( {$0.00}, {$2500.00}, {$4100.00} ) Conflicting DLAs ( XXXX, XXXX, XXXX ) Conflicting statuses ( settled, paid charge-off, paid less than owed ) Late payments reported AFTER charge-off Inconsistent remark codes XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Different account numbers across bureaus Conflicting DLAs Conflicting high balances ( {$0.00} vs {$2000.00} ) Conflicting statuses ( charge-off vs late 180 days vs sold ) Inconsistent payment histories 5-year reporting discrepancies Bureaus must assure maximum possible accuracy which is not occurring here. 

FCRA 611 ( a ) Disputed information that can not be verified accurately must be corrected or deleted.

FCRA 623 ( a ) ( 1 ) ( A ) Furnishers are providing inaccurate information, which the bureaus continue to publish.

FCRA 623 ( b ) Furnishers failed to conduct a reasonable investigation.

Verification is invalid when major factual conflicts still exist. 

XXXX XXXX Standards Violated DOFD inconsistencies Late reporting after charge-off Conflicting balances Conflicting statuses Missing/contradictory payment history Inconsistent remark codes Improper post-charge-off updates

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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: NJ

Complaint narrative:
This account was opened with out my authorization. i am submitting an idenity theft report under 605bb please block and remove this tradeline and notify the furnisher 's immediately XXXX acct number XXXX XXXX XXXX XXXX XXXXXXXX reported balance {$11000.00} status : COLLECTION * * * Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing XXXX  days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX  / acct number XXXX XXXX XXXX XXXX XXXXXXXX reported balance status * * * * Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report RADIUSGLOBAL acct number XXXX XXXX XXXX XXXX XXXXXXXX reported balance {$2300.00} status : COLLECTION * * * * Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of XXXX XXXX. XXXX. They were to notify me of this in writing XXXX  days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX  acct number XXXX XXXX XXXX XXXX  XXXX reported balance {$250.00} status : COLLECTION * * * * Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing XXXX  days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX acct number XXXX XXXX XXXX XXXX XXXXXXXX reported balance {$1900.00} status : COLLECTION * * * * Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing XXXX  days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt

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 2025-11-22 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: NJ

Complaint narrative:
This account was opened with out my authorization. i am submitting an idenity theft report under 605bb please block and remove this tradeline and notify the furnisher 's immediately XXXX acct number XXXX XXXX XXXX XXXX XXXXXXXX reported balance {$11000.00} status : COLLECTION * * * Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing XXXX  days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX  / acct number XXXX XXXX XXXX XXXX XXXXXXXX reported balance status * * * * Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report RADIUSGLOBAL acct number XXXX XXXX XXXX XXXX XXXXXXXX reported balance {$2300.00} status : COLLECTION * * * * Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of XXXX XXXX. XXXX. They were to notify me of this in writing XXXX  days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX  acct number XXXX XXXX XXXX XXXX  XXXX reported balance {$250.00} status : COLLECTION * * * * Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing XXXX  days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX acct number XXXX XXXX XXXX XXXX XXXXXXXX reported balance {$1900.00} status : COLLECTION * * * * Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing XXXX  days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt

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 2025-11-22 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:
These accounts are unrelated to me, and I am asking that they be taken off my report within 15 days per FCRA rules.

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 2025-11-22 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : XXXX XXXX, a consumer reporting agency XXXX furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


XXXX U.S. Code XXXX outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


XXXX U.S. Code $ XXXX a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

XXXX U.S. Code XXXX Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
After several months maybe a year it was found that the car loan is being reported inaccurate, loan was never XXXX  days late which is on the credit report harming myself and the joint applicant. 

The car was stolen in XX/XX/year> and never retrieved and later found that the vehicle was stolen a second time And returned to credit union but never was notified. Claimed it was sent certified but the owners never received information due to living circumstances. 

Information on report not accurate.

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 2025-11-22 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: GA

Complaint narrative:
After several months maybe a year it was found that the car loan is being reported inaccurate, loan was never XXXX  days late which is on the credit report harming myself and the joint applicant. 

The car was stolen in XX/XX/year> and never retrieved and later found that the vehicle was stolen a second time And returned to credit union but never was notified. Claimed it was sent certified but the owners never received information due to living circumstances. 

Information on report not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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: LA

Complaint narrative:
I have a collection on my credit report from XXXX XXXX XXXX for XXXX XXXX XXXX XXXX account with a balance of {$640.00}. This account is from an account that I had with XXXX XXXX in the year of XXXX. There is incorrect information on my credit report as it is saying that this account was opened in year XXXX which is XXXX  years later. I disputed the account with XXXX and Experian because this account is older than XXXX  years and can not be legally reported under the FCRA XXXX. XXXX removed and deleted this debt, but Experian did not and told me that the information is accurate and did not remove it. I am filing a complaint due to this inaccuracy on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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: FL

Complaint narrative:
In the month of XXXX of the year 2025 I was tricked into signing a fraudulent contract with XXXX XXXX XXXX located in XXXX FLorida. 
There were several contract disputes with the contract such as repairs being made. 
I moved out of the XXXX XXXX, which I had a right to do and they are claiming that I owe them something. The contract is in Dispute! Thats what a contract is, its an agreement between XXXX or more people. Either side can violate the terms of the contract and when that happens then a judge has to settle the dispute. Neither side can legally claim anything untill the Judge rule 's. 
The way it works is nobody owes anybody anything untill the judge rules on it and at that point a little piece of white paper is obtained by XXXX of the parties. Its called a Judgement! 
The XXXX has no Judgement on me therefore I don't owe anybody anything. I explained this to XXXX  but they keep saying that the XXXX validated the debt. This is fraud!!! This is fraud by XXXX  They are reporting a contract that I was fraudulently induced into signing and in addition to that I was not given the product that I was promissed. This is how companies are in business. they pay credit reporting companies such as TransUnion to Fraudulently Extort people. This is Extortion.

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