vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OK

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 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:
My personal information is incorrect and being reported incorrectly. My mother use my social security number with her name when I was XXXX and now on my credit report it's says my name and on down it's aka or also known as with her name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This company is violating my rights and have not validated my information under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently. I have made several attempts to fix this issue with them, and they are violating my rights. I'm entitled to {$1000.00} for every violating listed. They need to either pay me or delete this account ASAP. This account has been removed from other bureaus but still is reporting on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: CA

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax data breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equifax data breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my financial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/XXXX I was contacted by the chime fraud department that there was a charge of XXXX for XXXX against my account. I then opened the app to check. Need less to say the fraudster had drained my account to XXXX cents. 
I immediately notified chime customer service and reported the 13 transactions to them.

Long story short my claim was denied so I made them reopen it and gave them documents showing them that I did not XXXX  XXXX dollars of my money to this person I didn't know this person and never did business with them. So today a month later chime denied it again. That is why I'm here

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: CA

Complaint narrative:
In XXXX XXXX, my XXXX XXXX card was compromised. I did not report the fraud myself XXXX XXXX canceled my card on their own. I only discovered this when I saw through USPS Informed Delivery that a new card had been mailed to my old address. When I called customer service, I was told my card had been compromised and replaced. 
Despite this, between XX/XX/XXXX and XX/XX/XXXX, my entire balance was drained by fraudulent transactions in XXXX XXXX, XXXX, and XXXX, CA. I live in XXXX, CA and never used my card in those locations. When I activated the replacement card, I found that all of my money was already gone. 
I submitted a formal dispute on XXXX XXXX XXXX with a written statement, police report ( XXXX XXXX XXXX, filed XX/XX/XXXX ), and transaction records. I emailed these to XXXX XXXX dispute address. To this day, I have not received confirmation or provisional credit that I was told would be expedited and received in 2-3 days after statement and report was received. 
This failure has caused extreme hardship. My family had just moved from XXXX XXXX to XXXX. We were living in a XXXX  specifically to save that money to restart our lives. Because XXXX XXXX failed to block my compromised card and restore my funds in a timely manner under Regulation E ( 12 CFR 1005 ), my children and I lost all access to essential funds for food, beds, and basic survival needs. 
Requested Resolution : Immediate provisional credit for the disputed amount, as required by law. 
A full refund of all unauthorized transactions from XX/XX/XXXX XX/XX/XXXX. 
A written explanation of why my card was marked compromised, replaced, yet still drained without protection. 
This is an urgent matter of survival for my family. I am requesting CFPB oversight to ensure my funds are restored quickly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-01 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: PA

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

Account Details XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 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: IL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy : Experian : XXXX XXXX Account ending in XXXX ( Balance : {$440.00}, Limit : {$400.00} ) XXXX  Account ending in XXXX ( Balance : {$3000.00}, Original {$9500.00} XXXX XXXX XXXX Account ending in XXXX ( Closed XX/XX/XXXX, Status : Collection/Chargeoff ) Equifax : XXXX XXXX Account ending in XXXX ( Balance : {$290.00}, Limit : {$300.00} ) XXXX XXXX Account ending in XXXX ( Closed XX/XX/XXXX, Status : Collection/Chargeoff ) XXXX XXXX Account ending in XXXX XXXX Closed XX/XX/XXXX, Status : Paid, but reporting negative/late history ) TransUnion : XXXX XXXX Account ending in XXXX ( Closed XX/XX/XXXX, Status : Collection/Chargeoff ) XXXX Account ending in XXXX ( Closed XX/XX/XXXX, Balance {$0.00} XXXX Status : Negative ) XXXX  Account ending in XXXX ( Closed XX/XX/XXXX, Status : Transferred, reporting 90+ lates ) XXXX XXXX Account ending in XXXX ( Balance {$140.00}, Status : Collection/Chargeoff )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 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: IL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy : Experian : XXXX XXXX Account ending in XXXX ( Balance : {$440.00}, Limit : {$400.00} ) XXXX  Account ending in XXXX ( Balance : {$3000.00}, Original {$9500.00} XXXX XXXX XXXX Account ending in XXXX ( Closed XX/XX/XXXX, Status : Collection/Chargeoff ) Equifax : XXXX XXXX Account ending in XXXX ( Balance : {$290.00}, Limit : {$300.00} ) XXXX XXXX Account ending in XXXX ( Closed XX/XX/XXXX, Status : Collection/Chargeoff ) XXXX XXXX Account ending in XXXX XXXX Closed XX/XX/XXXX, Status : Paid, but reporting negative/late history ) TransUnion : XXXX XXXX Account ending in XXXX ( Closed XX/XX/XXXX, Status : Collection/Chargeoff ) XXXX Account ending in XXXX ( Closed XX/XX/XXXX, Balance {$0.00} XXXX Status : Negative ) XXXX  Account ending in XXXX ( Closed XX/XX/XXXX, Status : Transferred, reporting 90+ lates ) XXXX XXXX Account ending in XXXX ( Balance {$140.00}, Status : Collection/Chargeoff )

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 2025-08-31 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:
I am filing a complaint for failing to properly investigate and remove inaccurate information on my credit report related to an account with XXXX. 

XXXX. Failure to Correct Inaccurate Information I have submitted multiple disputes regarding the XXXX account, which has been reported inaccurately. Despite providing supporting documentation, the bureaus have failed to remove or correct the false information. 


XXXX. Unlawful XXXX by XXXX XXXX has re-aged my account and continues to report late payments on an account that was closed. The credit bureaus have continued to report this false information on my credit file, in violation of the Fair Credit Reporting Act ( FCRA 611 ( a ) and 623 ), which requires that inaccurate information be investigated and either corrected or removed.

3. Failure to Block Unverifiable Information Because the BridgeCrest account information is inaccurate and unverifiable, the bureaus are legally required to remove it from my credit file under FCRA 605B and 623 ( b ). Their failure to do so is harming my creditworthiness and financial opportunities. 


XXXX. Repeated Dispute Ignored Despite repeated submissions and evidence of inaccuracies, the bureaus have not complied with their obligations under the FCRA to investigate and correct or delete this information. 



Desired Resolution : I am requesting that the credit bureaus remove the XXXX account entirely from my credit reports, investigate their compliance with the FCRA regarding this account, and ensure they follow federal law for any future disputes.

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 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently reviewed my credit report and discovered multiple accounts and inquiries that I did not authorize or recognize. I never gave written instructions or permission for these entities to access or report information on my credit file. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681 and 1681b.

These accounts were added without my knowledge or consent, and I believe they are connected to identity theft. Ive already submitted an FTC Identity Theft Report ( Report # XXXX ), which confirms that Im a victim of identity theft. Despite this, the credit reporting agencies have continued to report these fraudulent items, which is unfair, harmful, and illegal.

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 2025-08-31 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: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Against Experian for Unexplained Credit Score Reduction Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian regarding an unexplained reduction in my credit score. On [ insert date ], I received an alert from Experian stating that my credit score had decreased by XXXX points, dropping from XXXX to XXXX. 

There was no new information, inquiry, late payment, collection account, or any other negative item reported on my credit file that would justify this sudden decrease. Experian has provided no explanation or reason for this drop. 

This unexplained and arbitrary adjustment to my score is causing me harm, as my creditworthiness is being misrepresented without factual basis. Under the Fair Credit Reporting Act ( FCRA ), Experian is required to ensure that all information they provide is accurate and fair. By lowering my score without cause or documentation, Experian is acting unfairly and possibly engaging in deceptive practices. 

I respectfully request that the CFPB : XXXX. Investigate Experians handling of my credit score.

2. Require Experian to provide a clear explanation for the score decrease.

3. Restore my credit score to its correct and accurate status if no legitimate negative information exists.

XXXX. Ensure Experian complies with all FCRA standards and refrains from arbitrary score adjustments. 

Please find attached screenshots of the Experian alert and a copy of my credit report showing no new negative activity. 

Thank you for your time and assistance in this matter. I appreciate your urgent attention, as Experians actions are directly impacting my financial standing. 

Sincerely, 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 explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
My employer issued a payroll check to me. Due to a mistake, I deposited this check into my friend 's Chase Bank account. Shortly after the deposit, Chase froze my friend 's account and placed the funds on hold.

My employers bank confirms that the check has cleared and the funds were successfully sent to Chase. However, Chase is still holding the funds in a pending/hold status and refuses to release or return them to the issuer. As a result, I have been unable to access my wages for months.The total amount involved is over XXXX dollars the only way chase gave us is them call me and when they ask my phone number they told me is not my number even i buy XXXX that is still not workibg I even went to the chase counter with my employer and her identity, the colleague who deposited the check for me and her identity information, as well as my own ssn check and all kinds of other information. They still refused to return the check to me, and even refused to refund it to my employer 's account I have provided documentation to Chase to prove the legitimate source of the funds, including the original check image, pay stubs, employer payment confirmation, and my identification. Chase has not provided a clear explanation of the reason for the hold or the estimated time frame for releasing the funds.

I am requesting that Chase immediately complete the investigation and release the funds, or provide a written explanation with a specific timeline for resolution. This situation is causing financial hardship as it involves my earned wages.

Supporting documents can be provided upon request.I am requesting that Chase immediately complete the investigation and release the funds, or provide a written explanation with a specific timeline for resolution. This situation is causing financial hardship as it involves my earned wages. 

Supporting documents can be provided upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: NJ

Complaint narrative:
I am writing to formally dispute the inaccurate and unverifiable reporting of the XXXX account listed on my credit file. This account is still being reported negatively by TransUnion and Experian, despite the fact that XXXX  has already deleted it after determining it could not be verified. 

The details currently appearing on my TransUnion and Experian reports are as follows : Creditor : XXXX AccounXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Account Status : Paid, Closed Payment Status : Collection/Charge-Off Remarks : Payment after charge off/collection ; consumer disputes This reporting is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ) : Since XXXX  has already removed this account for failure of verification, TransUnion and Experian are required to do the same for consistency and compliance with federal law. Continuing to report this account inaccurately creates an incomplete and misleading credit file, which violates the FCRA.

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 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
The remaining balance was {$730.00}. I paid XXXX on XX/XX/year>. I contacted Department of Education XXXX XXXX XXXX, who stated that my payments was paid in full and I requested that a paid in full letter be that was emailed to my email address to my email per my request.

Company response to consumer: Untimely response