vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-22 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: Chime Financial Inc
State: IL

Complaint narrative:
I have been receiving charges from a different accounts named XXXXXXXX XXXX  since XX/XX/XXXX. I first received fraud text alerts from Chime. I responded no to the text received on XX/XX/XXXX and XXXX. I was later charged on XX/XX/XXXX for {$3.00} twice before locking my card. In the time between contacting chime and locking my card. It was multiple attempts to take money from my account. I order a new bank card and asked chime to block anything related to metapay. For my dispute I uploaded proof that I have never used metapay and I dont have my card number connected to XXXX XXXX XXXX. After contacting XXXX, XXXX, and XXXX XXXX they confirmed no activity on my account. I received my new card, but attempts are still taking place. With the recent being yesterday for {$15.00} and {$5.00}. The charge name changes, but the one I seen are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: VA

Complaint narrative:
On XXXX I went to the XXXX XXXX dealership to get my vehicle serviced and ended up wanting to trade my XXXX  in for a new model. I was offered one and advised XXXX XXXX  rep from the beginning that I was ready to go as I was preapproved by XXXX  XXXX and thats all I need to run my credit. XXXX I go to pickup my car and met with the finance manager who kept trying to add mess to y loan and i already said no. Unbeknownst to me, this man ran my credit anyway and through so many different lenders that I was irritated getting letters in the mail a month or so after my purchase. I even locked my report that same day as I received a notification that he was trying to pull my credit & not with XXXX  XXXX. So sketchy.

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 2025-06-22 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: EQUIFAX, INC.
State: VA

Complaint narrative:
On XXXX I went to the XXXX XXXX dealership to get my vehicle serviced and ended up wanting to trade my XXXX  in for a new model. I was offered one and advised XXXX XXXX  rep from the beginning that I was ready to go as I was preapproved by XXXX  XXXX and thats all I need to run my credit. XXXX I go to pickup my car and met with the finance manager who kept trying to add mess to y loan and i already said no. Unbeknownst to me, this man ran my credit anyway and through so many different lenders that I was irritated getting letters in the mail a month or so after my purchase. I even locked my report that same day as I received a notification that he was trying to pull my credit & not with XXXX  XXXX. So sketchy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
A credit card application to XXXX through Comenity bank was placed on my account without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: EQUIFAX, INC.
State: WI

Complaint narrative:
On or about XX/XX/year>XXXX  I called Equifax Credit Bureau about information being reported to my current consumer report fraudulently. The items in question are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Servicer under contract with Federal Student Aid
State: MD

Complaint narrative:
I am writing to formally file a complaint against the U.S. Department of Educations Federal Student Aid Office ( FAFSA ) regarding unacceptable and unresolved issues related to my XXXX financial aid application. I believe this constitutes a failure to provide clear financial communication and timely service, ultimately affecting my right to access federal educational funding. 

I am a student at XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ). I submitted my XXXX FAFSA application months ago. Despite making all the required corrections and resubmitting the application several timesincluding mailing in a paper signature for my contributor ( my spouse ), as requestedFAFSA has failed to update or process my application. They have confirmed receipt of my mailed form but have not provided any progress update or final status. 

I have called FAFSA support repeatedly. While some agents were helpful, I have been : Denied access to a supervisor Denied the ability to speak with technical support Given repetitive, inaccurate instructions that have already been followed Referred back and forth between FAFSA and my school, creating a cycle with no resolution In addition, I have not received my submission summary report in the mail which I was informed that will possibly fix the issue. I have been waiting for a letter in the mail from them for almost two months.

This situation has created confusion, hardship, and the risk of delayed or canceled education due to financial aid denial. I am asking the CFPB to investigate whether FAFSA and/or its affiliated servicing contractors are engaging in practices that violate consumer protection standards under federal education loan servicing regulations.

Summary of Complaint : Failure to update or finalize FAFSA application despite full compliance Miscommunication and improper handling of mailed documents Repeated obstruction of escalation or supervisor access Inconsistent and unclear guidance regarding school aid eligibility and bankruptcy concerns Financial harm due to inability to access approved aid I have supporting documentation including mailed form confirmations, application corrections, and correspondence logs, which I am willing to provide upon request. 

I request the CFPB to investigate this matter and help ensure that FAFSA properly processes my financial aid application and provides the transparency and communication required under federal law. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-06-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have tried to correct the inaccuracies to my credit reports. All of my reports should be without deviation, but these negative items that I try to fix seem to stay the same and nothing is done. I have files a complaint with the FTC to help with this issue. See attachment below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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:
I have tried to correct the inaccuracies to my credit reports. All of my reports should be without deviation, but these negative items that I try to fix seem to stay the same and nothing is done. I have files a complaint with the FTC to help with this issue. See attachment below.

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 2025-06-22 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I am disputing a hard inquiry from Citibank/Best Buy that appears on my XXXX  credit report dated XX/XX/year>. I contacted Citibank directly, provided my full name, SSN, and reference number, and they confirmed that no application exists under my information. 

I did not authorize a hard inquiry. 

I contacted XXXX  to have this unverifiable inquiry removed. They refused and insisted that I submit an FTC identity theft report, even though I am not claiming fraud or identity theft. I am disputing the inquiry under FCRA 1681i, based on lack of authorization and lack of permissible purpose.

Despite the furnisher ( Citibank/Best Buy ) confirming that no application can be found, XXXX  continues to mark my disputes as verified. I am questioning how this inquiry could possibly be verified when the furnisher can not locate any record of my application or consent. This suggests that XXXX  is failing to conduct a proper reinvestigation, as required by the FCRA. 

I am requesting that the CFPB enforce my rights under the FCRA, require XXXX  to conduct a lawful reinvestigation, and remove this unauthorized hard inquiry from 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 2025-06-22 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I am disputing a hard inquiry from Citibank/Best Buy that appears on my XXXX credit report dated XX/XX/year>. I contacted Citibank directly, provided my full name, SSN, and reference number, and they confirmed that no application exists under my information. 

I did not authorize a hard inquiry. 

I contacted XXXX  to have this unverifiable inquiry removed. They refused and insisted that I submit an FTC identity theft report, even though I am not claiming fraud or identity theft. I am disputing the inquiry under FCRA 1681i, based on lack of authorization and lack of permissible purpose. 

Despite the furnisher ( Citibank/Best Buy ) confirming that no application can be found, XXXX continues to mark my disputes as verified. I am questioning how this inquiry could possibly be verified when the furnisher can not locate any record of my application or consent. This suggests that XXXX is failing to conduct a proper reinvestigation, as required by the FCRA. 

I am requesting that the CFPB enforce my rights under the FCRA, require XXXX  to conduct a lawful reinvestigation, and remove this unauthorized hard inquiry from 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 2025-06-22 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of FRAUDULENT ACCOUNTS TO BE REMOVED : Personal Information to Be Corrected or Removed : Incorrect Employer : XXXX XXXXXXXX XXXX Incorrect Employer : XXXX XXXX Incorrect Name : XXXX XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Incorrect Date of Birth : XXXX ________________________________________ Fraudulent Accounts to Be Removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX_____________________ Fraudulent Collections to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are e the result of identity theft and fraud.

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 2025-06-23 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: OH

Complaint narrative:
I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/year>

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 2025-06-22 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: NY

Complaint narrative:
I have recently received a copy of my credit report & notice several accuracies and unauthorized accounts information reporting to my credit report .These remarks have been detrimentalto my life and credit health

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 2025-06-22 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have recently received a copy of my credit report & notice several accuracies and unauthorized accounts information reporting to my credit report .These remarks have been detrimentalto my life and credit health

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 2025-06-22 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: AL

Complaint narrative:
I asked that these unauthorized accounts be removed from my credit report in pursuit to 15 USC 1681c-2, you are violating my rights under FCRA. I also disputed these accounts on XXXX XXXX in partnership with Transunion.

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 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Reporting information on a consumer 's credit report without their written consent is identity theft. I did not give anyone written or verbal permission for them to place such information on my consumer report. Because my privacy rights have been violated. I am demanding the company block and remove the accounts from my consumer report no later than 4 business days after such information that I have provided. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>.

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 2025-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I am filing a formal dispute regarding inaccurate late payment information reported by Navy Federal Credit Union on my credit reports with both XXXX XXXX XXXX 

The account in question is being reported with XXXX, XXXX, and XXXX late payments for XXXX, XXXX, and XX/XX/2024, which is incorrect and does not reflect my actual payment history. 

I have never been late on this account. My recordsincluding payment confirmations and bank statementsclearly show that payments were made on time during those months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: VA

Complaint narrative:
Subject : Formal Dispute and Demand for Deletion of Inaccurate Account XXXX XXXX  I am writing to dispute the inaccurate and conflicting information being reported on my credit file regarding the account listed below : Creditor Name : XXXX XXXX  Account Number last four : [ XXXX ] Reported Delinquency : 60 Days Late ( XX/XX/XXXXXXXX  ), then 120 Days Late ( XX/XX/XXXX ) Inconsistencies & Violations : 1. Chronological Impossibility : Reporting the account as 60 days past due in XX/XX/XXXX followed by 120 days past due in XX/XX/XXXX is factually and mathematically impossible under any standard payment schedule. A 120-day delinquency can not chronologically follow a 60-day delinquency that occurred nearly a year earlier. Also statement shows worst history 60 days past due not 90 or 120+. 
2. Violation of FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) : Credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy. This reporting fails that test.

3. Violation of FCRA 611 ( a ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : As a consumer, I am disputing the accuracy and completeness of this account. You are now legally obligated to conduct a reasonable reinvestigation and delete the account if it can not be verified accurately.

4. Violation of FCRA 609 ( a ) ( 1 ), 15 U.S.C. 1681g : I am demanding disclosure of all documentation used to furnish this derogatory information, including payment history, delinquency logs, and original reporting from the furnisher.

Demand for Immediate Action This entry is factually and legally deficient. The conflicting dates and severe delinquency claims are : Inaccurate Misleading Unverifiable Damaging to my credit profile If you are unable to verify the accuracy of the reported data with documented evidence, as required by law, you must delete this XXXX XXXX  account from my credit file entirely. 

Failure to act within 30 days will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. I am also prepared to pursue remedies under 15 U.S.C. 1681n for willful noncompliance and damages under 1681o for negligent failure to maintain accurate records.

Supporting Enclosures : Copy of my government-issued ID Proof of current mailing address Copy of the disputed credit report with XXXX XXXX  account highlighted I expect a written response detailing the results of your reinvestigation, as required by law. If you can not verify this account with original documentation from XXXX XXXX, it must be deleted in full. 

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 non-monetary relief