vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally request the blocking of fraudulent accounts that have been reported on my credit file. This request is being made under the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S. Code 1681c-2 ), which requires credit reporting agencies to block such information upon proper notice and documentation.

The following fraudulent accounts were opened without my knowledge or authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
As required by law, I am including the following documentation : 1. A valid Identity Theft Report filed with the Federal Trade Commission ( FTC ) 2. A copy of my government-issued ID and SSN.

3. Proof of my current address.

All documentation has been included with this dispute to fully verify my identity and address. No further confirmation should be required.

Please be advised that I am not working with any third party or credit repair agency. This dispute and all accompanying documents were prepared and submitted by me, the consumer, directly.

This is not a mistake, and I am fully aware of the contents and purpose of this request. I am asserting my rights under FCRA 605B as a consumer and a victim of identity theft. I am requesting that these fraudulent accounts be blocked from my file in accordance with the law.

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 2025-09-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing the fraudulent accounts that have been wrongfully reported under my credit profile. These accounts were not initiated by me, and I have no knowledge, involvement, or responsibility for them. Their inclusion is harmful, misleading, and paints a completely false picture of my financial standing.

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 2025-09-23 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: TX

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account Name : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$1100.00} Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$480.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$610.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$500.00} Account Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$3100.00} Account Name : XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$9.00} Account Name : XXXX BANK XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$1100.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$1200.00} Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$42000.00} Account Name : XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$1000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$1200.00} Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$1900.00} Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$2500.00} Account Name : XXXX XXXX SERV Account Number : XXXXXXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$230.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I sent certified dispute letters to Trans Union, Experian and Equifax on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX disputing incorrect and old outdated information. ( I also reported identity theft/data breaches in XXXX XXXX XXXX  due to lost or stolen computer bag on a train within XXXX days. ) ( Police Report attached. ) All three reporting agencies contacted me back saying that the information was accurate. 

I received new credit reports from Trans Union, Experian and Equifax in XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  saying that the dispute are all complete, but nothing was done. 

My name is still showing inaccurate, multiple addresses are wrong and outdated. Account balances, payment histories and invalid reporting dates on my credit are incorrect. 

I'm requesting that they actually look at my information and correct delete the information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: GA

Complaint narrative:
I am writing to dispute inaccurate information on my credit file. My credit report shows my EdFinancial student loan accounts as 90 days late in XX/XX/year>, without any prior reporting of being 30 or 60 days late. 
According to standard credit reporting practices : - 30 days late = XXXX  days past due - 60 days late = XXXX  days past due - 90 days late = XXXX  days past due It is impossible for an account to suddenly be 90 days late in XX/XX/year> if it was reported current in XX/XX/year>. This is factually inaccurate reporting. 
Additionally, under 15 U.S.C. 1666b, a creditor can not treat a payment as late for any purpose unless it has mailed or delivered the periodic statement at least 21 days before the due date. 
Improper and inaccurate reporting of a delinquency without compliance violates both this law and the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), which requires consumer reporting agencies to ensure maximum possible accuracy. 
I demand an immediate investigation into this matter. Please either : XXXX. Delete the inaccurate late payment reporting from my file; Please provide me with written confirmation of your findings and actions within 30 days, as required by the FCRA. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: KS

Complaint narrative:
I transferred {$1000.00} from my Chime credit builder account to my Checking account on XX/XX/year> at XXXX. 

After a couple more transactions or less than {$100.00}, My funds are now {$0.00} and there has been no activity or transactions to warrant this. 

I called customer service and they confirmed that they could see the remaining balance on their end of {$900.00}. However, I could not, and still can not see or access the funds. 

They suggested I update the app but that did not help. I asked them to mail a check for the remaining funds they could see I still had on their end, they said they were not able to do that. 

How do I go about recovering my funds?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: VA

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing the reporting of unauthorized and inaccurate accounts on my credit file. These accounts do not belong to me, I never opened them, and I was never informed of their addition. On top of that, the information is being reported differently across the credit bureaus, which violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) requiring credit agencies to maintain maximum possible accuracy.

This also violates 15 U.S.C. 1681i, which requires disputed information to be investigated and corrected or deleted within 30 days, and 15 U.S.C. 1681g, which guarantees me the right to a complete and accurate file disclosure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: MN

Complaint narrative:
I called USBank and requested the account be closed. The XXXX person said that they will close the account. However before they closed the account the bank allowed several charges go through several times and overdrafts this account in the amount of {$1200.00}. The bank didnt pay any of the bills nor notified me that the account was still open. They just kept overdrafting these same bills XXXX - 3 times a week and several times a month. I wasnt notified until I called to make sure that account had been closed and thats when a different XXXX said your bank balance is negative {$970.00} or something like that and I stated to her that I called and asked that the account be closed and she told me she has no record of me calling and closing the account and the overdraft fees were mine and I needed to take care of them or it was going on my credit report. I have since then asked for copies of all my statements from the first one to the last statement but the bank says they dont keep records that long. So now I feel like there isnt any place to turn to help me fight the big bank wrong doing back.

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 2025-09-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon reviewing my credit report, I noticed serious inaccuracies and unverifiable entries that have harmed my credit profile. These accounts and inquiries are being reported in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and must be permanently deleted. 
There is a reported Charge Off for XXXX XXXXXXXX XXXX showing a balance of {$0.00}. Reporting a charge off with no balance is misleading, incomplete, and unverifiable. Under FCRA 611 ( a ) ( 1 ) ( A ) and 605B / 15 U.S.C. 1681c-2, I dispute this entry and demand its permanent removal since it can not be lawfully substantiated. 
My file also shows additional Charge Offs that fail to meet accuracy requirements. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$1500.00} and XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$1900.00} are both being reported without proper documentation. For debts above {$600.00}, a XXXX must be issued if canceled or forgiven. The absence of such documentation makes these reports incomplete and misleading. This violates FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which requires maximum accuracy, and also 605B / 15 U.S.C. 1681c-2, which requires unverifiable information to be blocked. These charge offs can not be validated and must be permanently deleted.

There are also Collection Accounts being reported incorrectly. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX showing a balance of {$0.00} and XXXX  XXXX with a balance of {$2400.00} are unverifiable and misrepresent my credit history. Under FCRA 611 ( a ) ( 1 ) ( A ) you are required to reinvestigate disputed accounts, and under 605B / 15 U.S.C. 1681c-2, unverifiable or fraudulent accounts must be deleted. These collections have no valid basis and must be permanently removed. 
Additionally, my file contains unauthorized inquiries that I never approved. These include XXXX XXXX on XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX  on XX/XX/XXXX. These inquiries lack permissible purpose and are in violation of my rights under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ). Furthermore, under FCRA 619 15 U.S.C. 1681q and FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), no entity may obtain my consumer report without authorization. These inquiries are unauthorized and must be permanently deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: FL

Complaint narrative:
Upon reviewing my credit report, I noticed serious inaccuracies and unverifiable entries that have harmed my credit profile. These accounts and inquiries are being reported in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and must be permanently deleted. 
There is a reported Charge Off for XXXX XXXXXXXX XXXX showing a balance of {$0.00}. Reporting a charge off with no balance is misleading, incomplete, and unverifiable. Under FCRA 611 ( a ) ( 1 ) ( A ) and 605B / 15 U.S.C. 1681c-2, I dispute this entry and demand its permanent removal since it can not be lawfully substantiated. 
My file also shows additional Charge Offs that fail to meet accuracy requirements. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$1500.00} and XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$1900.00} are both being reported without proper documentation. For debts above {$600.00}, a XXXX must be issued if canceled or forgiven. The absence of such documentation makes these reports incomplete and misleading. This violates FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which requires maximum accuracy, and also 605B / 15 U.S.C. 1681c-2, which requires unverifiable information to be blocked. These charge offs can not be validated and must be permanently deleted.

There are also Collection Accounts being reported incorrectly. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX showing a balance of {$0.00} and XXXX  XXXX with a balance of {$2400.00} are unverifiable and misrepresent my credit history. Under FCRA 611 ( a ) ( 1 ) ( A ) you are required to reinvestigate disputed accounts, and under 605B / 15 U.S.C. 1681c-2, unverifiable or fraudulent accounts must be deleted. These collections have no valid basis and must be permanently removed. 
Additionally, my file contains unauthorized inquiries that I never approved. These include XXXX XXXX on XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX  on XX/XX/XXXX. These inquiries lack permissible purpose and are in violation of my rights under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ). Furthermore, under FCRA 619 15 U.S.C. 1681q and FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), no entity may obtain my consumer report without authorization. These inquiries are unauthorized and must be permanently deleted.

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 2025-09-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am disputing the presence of unauthorized and inaccurate accounts on my credit file. I never opened or authorized these accounts, and I was not notified of their addition. To make matters worse, the details are being reported inconsistently across all three bureaus, which violates 15 U.S.C. 1681e ( b ) of the FCRA requiring credit bureaus to report only accurate information.

This also violates 15 U.S.C. 1681i, which requires disputed information to be investigated and corrected or deleted within 30 days, as well as 15 U.S.C. 1681g, which requires credit bureaus to provide full and accurate disclosures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I made a payments ( XXXX ) on XX/XX/XXXX through XXXX for goods/services that were not provided. XXXX advertises and guarantees a XXXX XXXX program that specifically covers cases where the buyer does not receive the goods or services. 

On XX/XX/XXXX, when the seller blocked me with no delivery of product, I filed a XXXX XXXX claim with XXXX, but it was denied without a clear explanation. I have requested documentation and clarification from XXXX multiple times over the past week both via the chat function in XXXX and via email, but they have not provided a substantive response. 

XXXX failure to honor its XXXX XXXX policy and its lack of response are unfair and deceptive practices. I am seeking reimbursement of the disputed amount, consistent with XXXX stated XXXX XXXX coverage. 

I have attached documentation showing my payment, the sellers failure to deliver, and XXXX denial.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-23 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: GA

Complaint narrative:
I am sending regarding the results of the recent dispute I submitted concerning the accuracy and completeness of the information being reported on my credit file. I appreciate your investigation, but I disagree with the outcome, as the items listed below were returned as " verified '' without providing me with the details of the investigation. 

Items 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 XXXXXX/XX/XXXX In accordance with the Fair Credit Reporting Act ( FCRA ) & undefined ; 611 ( a ) ( 7 ), I am requesting the method of verification used to determine the accuracy of the disputed items. Please provide the following information for each disputed account : The name, address, and contact information of the entity that provided the information you used to verify the account. 

A description of the procedures used to verify the accuracy and completeness of the disputed account. 
All documentation you have on file retrieved during your investigation. 
Who did you interview regarding the aforementioned account? 

Additionally, I must note that the creditor failed to report the dispute to the consumer reporting agencies as required under FCRA & undefined ; 623 ( a ) ( 3 ). This failure to provide notice of the dispute is a violation of the FCRA, which further undermines the integrity of the reported information.

I am requesting proof that an actual investigation was indeed conducted and all of the above-requested documentation be sent to me, by mail, within XXXX business days! Given the lack of proper verification and the violation of FCRA obligations, I also request that this account be deleted immediately from my credit report to prevent any further damage to my financial well-being. & undefined ;

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 2025-09-23 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: CA

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