vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XXXX, I sent {$290.00} from my XXXX XXXX account to a Chime account/card that is no longer active. The transaction shows as sent, but the Chime account was previously closed. 

I contacted Chime, and they stated they cant locate the funds or confirm whether they received them. XXXX XXXX ( XXXX XXXX XXXX ) denied my claim, stating that I authorized the payment, but did not resolve the issue of funds being sent to a closed account. 

I have not received a refund, and neither company has confirmed the destination of the funds. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: NV

Complaint narrative:
I have found fraudulent accounts on my credit report, XXXX XXXX with the account number XXXX opened on XXXX, XXXX XXXX  with the account number XXXX opened on XXXX, XXXX XXXX with the account number XXXX opened on XXXX, XXXX  XXXX with the account number XXXX opened on XXXX, XXXX XXXX XXXX with the account number XXXX opened on 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 2025-08-15 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: AL

Complaint narrative:
XXXX XXXX XXXX have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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 2025-08-15 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: FL

Complaint narrative:
I am formally disputing the missed payment entries being reported on the above account in my credit file. The entries are factually inaccurate, incomplete, and/or unverifiable, and therefore violate the Fair Credit Reporting Act ( FCRA ) and the Metro 2 industry standard

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am formally disputing the missed payment entries being reported on the above account in my credit file. The entries are factually inaccurate, incomplete, and/or unverifiable, and therefore violate the Fair Credit Reporting Act ( FCRA ) and the Metro 2 industry standard

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 2025-08-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
I bank with XXXX XXXX XXXX XXXX XXXX ( BECU ). I purchased tickets to an event. When I got to the event it was not as they had advertised it on their website. There is no way I could have known that until I entered the event because it was entirely indoors. I confirmed with an employee at the event that several of the attractions that were advertised on their website were not present at the event. The merchant and their ticketing agency have a strict no refund policy, so I contacted BECU and disputed the charges. The merchant sent evidence that I booked the tickets, which was not in dispute, but did not address my dispute that the goods or services were not as described. They also have not provided any terms and conditions that indicate the experience may not be as advertised, and I am unable to locate in my own research that their terms state this either. BECU has resolved the dispute in the merchants favor with the explanation that the customer ( me ) is responsible for understanding the merchant 's terms and conditions. I have reopened the dispute twice asking BECU to provide the evidence they relied on to make their conclusion, as well as a written explanation of how they reached their conclusion using that evidence, pursuant to XXXX XXXX XXXX, Regulation XXXX of the Electronic Fund Transfer Act. BECU has failed, on XXXX occasions, to provide me these details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: AMERICAN EXPRESS COMPANY
State: AK

Complaint narrative:
I am writing to formally dispute an unauthorized American Express ( Amex ) account that appears on my credit report. I recently discovered this account while reviewing my credit information on XXXX XXXX. 
The Amex account in question was opened without my knowledge or consent. I have never applied for nor authorized the opening of any Amex account. Prior to seeing it listed on my credit report, I received no communication via mail, email, or phone from American Express regarding this account. This leads me to believe that this account was opened fraudulently using my personal information.I already attempted reaching to Amex customer care, they asked for a few of my basic credentials and they claimed no search for an active account on their name. Despite me telling them its clearly on my credit report for a few months now without my knowledge and consent, XXXX said if they cant find account they dont have anything else they can help with. 
I request that this account be investigated and removed from my credit file immediately under the protections provided by the Fair Credit Reporting Act ( FCRA ). Please also consider this letter as a formal request to place a fraud alert on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XX/XX/year>, I disputed a Redeemed Repossession tradeline reported by XXXX XXXX on my credit reports with Experian, Equifax, and TransUnion. Each bureau marked the tradeline as verified or updated in response to my dispute. I asked the bureaus what documentation they relied upon to verify the account. All XXXX directed me to contact XXXX XXXX instead of providing the verification package. 

I am requesting that the credit bureaus provide the full verification package they used to verify the repossession, including all legally required notices, certified mail receipts, and evidence proving the repossession actually occurred. Sale of contract documents or payment history alone does not constitute proof of repossession. 

If the bureaus can not provide verifiable documentation, they are required under FCRA XXXX ( a ) ( XXXX ) ( A ) to delete the remark from my credit reports.

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 2025-08-15 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: PA

Complaint narrative:
THIS BANKRUPTCY RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. ITS INCLUSION ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND IS CAUSING SIGNIFICANT EMOTIONAL DISTRESS. I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS SERIOUS ERROR. SEE THE ATTACHED DOCUMENT FOR VERIFICATION.

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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
THIS BANKRUPTCY RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. ITS INCLUSION ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND IS CAUSING SIGNIFICANT EMOTIONAL DISTRESS. I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS SERIOUS ERROR. SEE THE ATTACHED DOCUMENT FOR VERIFICATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: MI

Complaint narrative:
While I was locked up from XXXX to XXXX several accounts was opened up in my name. The names : XXXX XXXX Bank XXXX XXXX, XXXX XXXX XXXX XXXX, SYNCB/PPMC XXXX XXXX XXXX XXXX XXXX * * XXXX * * *, XXXX XXXX, CREDIT XXXX BANK XXXX, XXXX XXXX XXXX, XXXX CARD XXXX, SELFINC/LEAD XXXX, ALL accounts follow under AFFIRM XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, PAREOZxx, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. Attached are the following accounts.

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 2025-08-15 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: IA

Complaint narrative:
I recently checked my latest credit report and noticed multiple accounts that didnt belong to me and are harming my profile moving forward.

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 2025-08-15 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: IA

Complaint narrative:
I recently checked my latest credit report and noticed multiple accounts that didnt belong to me and are harming my profile moving forward.

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 2025-08-15 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: GA

Complaint narrative:
Their investigation did not fix an error on my 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 non-monetary relief
Consumer complaint received 2025-08-15 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: GA

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. 

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 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 2025-08-15 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: KY

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : 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 2025-08-15 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:
Their investigation did not fix an error on my 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 2025-08-15 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: GA

Complaint narrative:
Their investigation did not fix an error on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX capital one was notified of fraudulent transactions that were withdrawn from my account without my authorization to XXXXXXXX XXXX. The amount was for {$2000.00} on XX/XX/XXXX capital one state that the transaction was authorized and that I participated with the withdrawal that is in fact Inaccurate information. XX/XX/year> I appeal the decision with capital one showing them documentation and also FTC report of the identity theft on XX/XX/year>. I also mentioned XXXX capital one that there was a unknown name on my bank account and which I do not know list it as a joint account owner ; this information was also restated on XX/XX/XXXX when I appealed the decision from capital one in which they told me was verified and that I participated in the fraudulent transaction that I did not authorize to XXXXXXXX XXXX and the amount of {$2000.00}. XXXXXXXX XXXX and I do not have a relationship or a business relationship together for me to pay the money out of my bank account. My account has been completely taken over and also restricted by capital one in the joint account owner that I do not know.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Deletion of Inaccurate Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXX DOB : XXXX XX/XX/XXXX Dear Consumer Agency, I am writing to formally request the deletion of inaccurate personal information in my file, specifically incorrect addresses and misspelled or incorrect names that are either not mine or are inaccurate. This incorrect information is causing confusion and must be corrected immediately to reflect the truth. 

Heres my CORRECT personal information : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all information in my file is accurate and complete. I request that you promptly investigate this matter and remove the erroneous information. 

Please confirm in writing that these changes have been made and provide me with an updated copy of my file showing the corrections. 

Thank you for your prompt attention to this issue. I look forward to your response and the resolution of this matter. 

Sincerely, 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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Experian XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Deletion of Inaccurate Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXX DOB : XXXX XX/XX/XXXX Dear Consumer Agency, I am writing to formally request the deletion of inaccurate personal information in my file, specifically incorrect addresses and misspelled or incorrect names that are either not mine or are inaccurate. This incorrect information is causing confusion and must be corrected immediately to reflect the truth. 

Heres my CORRECT personal information : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all information in my file is accurate and complete. I request that you promptly investigate this matter and remove the erroneous information. 

Please confirm in writing that these changes have been made and provide me with an updated copy of my file showing the corrections. 

Thank you for your prompt attention to this issue. I look forward to your response and the resolution of this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: U.S. BANCORP
State: WI

Complaint narrative:
My credit card was fruadlenty used and maxed out And I put in multiple disputes and identity theft complaints The bank and company failed to protect me my accounts and my money I was charged with multiple late fees and over draft fees forcing my accounts into negative Leaving me vulnerable to collected debt and vulnerable credit cards Now my accounts are closed and sold to other companies as well as all my personal information Which I did not agree to

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