vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 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: Paypal Holdings, Inc
State: GA

Complaint narrative:
My phone and wallet was stolen on XX/XX/year> in XXXX XXXX. The thief used 2 of my cards fraudulently. One from another financial institution which i had no problem getting the fraudulent transactions back, and one from XXXX  which they are only giving me the smaller amounts backs. The thief used my XXXX  debit card for 14 transactions and they were able to do so because I was on a flight back across the country and when I returned home XXXX  was not open. I called first thing the morning on XX/XX/XXXX to dispute charges. The XXXX dispute team has been so frustrating to work with as I have sent them my flight information showing I was not in XXXX XXXX at the time when my card was being used unauthorized. I have sent information from other financial institutions, my application for a new drivers license, a receipt of my new phone, a screenshot showing that the thief sold my phone to a trade center in XXXX. I have sent proof that my phone and wallet was stolen and to this day XX/XX/year>, over a month later, XXXX  is still refusing to give me all of my money back. XXXX  can also see that the stolen activity on my account is unusual. I have rarely ever used my physical card to make a purchase and most importantly I rarely use the account for purchases in general. The thief literally went from store to store swiping my card. It was also obvious that it was fraud because transactions were being denied as the balance got low for certain amounts so thief would swipe again for a smaller amount until they exhausted all of my funds. My main issue is that XXXX  is conveniently giving me back the smaller amounts out of the 14 transactions, but will not give me back the large transactions that were fraudulent. Venmo lied on the claims they denied and said the account was logged in to to check balance before purchase was made. This is not true because my phone was stolen! As soon as they stole my items they immediately turned my phone off and I was able to put it on lost mode so no one could log on to do anything with my phone. There was no way my account was logged in to to check balances. I sent proof that I was across the country in my home state while charges were still being authorized and Venmo is still refusing to approve those fraudulent claims.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-29 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: TN

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XXXX XXXX XXXX XXXX XXXX Account Number : 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 2025-12-29 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 


XXXX XXXX XX/XX/year> 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 2025-12-29 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
About 6 months ago, Barclays Bank contacted me about fraud on my account. I confirmed it was fraud and they said they would send me a new account. In XXXX, they reported it as a charge off on my husbands credit report even though it wasn't his account. He filed a dispute with the credit reporting agency and they removed it from his report. Barclays then reported the fraud as a charge off against me. I filed a dispute with the Credit Reporting agency. They contacted Barclays to get it corrected and Barclays insisted it was a charge off. I've called Barclays 3 weeks ago 3 times and finally received a special phone number to get this corrected. when I called this phone # twice, I was requested to leave my phone number and account number and someone would get back to me. No one has contacted me. When I received my credit report in XXXX, a XXXX XXXX  address was listed even though I never lived there.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have made several complaints and NO resolve. I have satisfied the company 's response by mailing verifying information to Equifax, along with the request that my account continues to be unfrozen, fraud alerts removed and my personal information change fraudulently, which leads to hard inquiries and credit apps completed fraudulently. This is an ONGOING issue with Equifax since XX/XX/XXXX but has gotten increasingly worse as months gone on, averaging fraudulent activity as above mentioned 2-6xs monthly. I have requested a password/pin # or anything to improve the security of my credit report ( since the fraudsters have gotten my credit report and have my information, they are able to answer the online and phone verification process as well. I have requested by phone and in writing ( 4xs in writing in XX/XX/XXXX ), to keep my fraud alerts on, my freeze enabled and no changes to my personal information. Their response is that I have requested this information to be changed, which is untrue, I have notified them several times of the identity theft and provided a copy of my identify theft passport issued by the Attorney General 's Office. Equifax is unable to keep my personal information and credit report secure and this is causing a great deal of stress, breaches in data and time. I WANT BETTER security so that this fraud will end and my information is protected. I also pay for their monthly monitoring services which has done nothing!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: PA

Complaint narrative:
These inaccuracies have caused significant harm to my creditworthiness and its frustrating. Despite of my multiple complaints being submitted with documentation, I believe that credit bureaus are in violation. 
This conduct is not a mere oversightit is a deliberate and reckless violation of federal law. 
By continuing to report unverifiable information after multiple disputes, the bureaus have demonstrated willful noncompliance under FCRA 1681n. Such willful disregard for statutory obligations exposes them to full statutory damages, punitive damages, and immediate enforcement action. Their pattern of behaviour reflects a conscious choice to ignore consumer rights and therefore demands decisive regulatory intervention and accountability.

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 2025-12-29 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: PA

Complaint narrative:
These inaccuracies have caused significant harm to my creditworthiness and its frustrating. Despite of my multiple complaints being submitted with documentation, I believe that credit bureaus are in violation. 
This conduct is not a mere oversightit is a deliberate and reckless violation of federal law. 
By continuing to report unverifiable information after multiple disputes, the bureaus have demonstrated willful noncompliance under FCRA 1681n. Such willful disregard for statutory obligations exposes them to full statutory damages, punitive damages, and immediate enforcement action. Their pattern of behaviour reflects a conscious choice to ignore consumer rights and therefore demands decisive regulatory intervention and accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: LA

Complaint narrative:
So my mom sent me {$10.00} yesterday and I had {$10.00} on my account I bought me something for {$5.00} and I have {$4.00} on my account. last night I checked on my account and it was {$0.00} on my account. Today, this morning, I called chime customer support telling them what was going on and the lady on the phone couldn't do anything. She had brought me over to her supervisor and the supervisor was speaking rude to me and he started a whole argument on the phone! He didn't even help me! Why run a customer service, to help people? And I wasn't granted help that I wanted and needed! They're holding my money and I can't go to the store to buy anything! I was also told that I owe money to them! that is a lie! Cuz this app never did that before!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
U.S. Bank has stated to the CFPB that the foreclosure of my home does not pertain to them. That statement is inaccurate. As demonstrated by the email below and the attached documentation, U.S. Bank is directly involved in the misconduct at issue. 

I had no prior relationship with U.S. Bank. I was not a mortgage holder with this institution. I was, however, a lawful owner listed on the deed and title for the property located at XXXX XXXX XXXX, XXXX, MA XXXX. 

My interest in the property was unlawfully extinguished when my signature was forged on one or more loan documents, resulting in the theft of my title. U.S. Bank benefited from and/or relied upon these forged instruments despite the absence of any legitimate authorization from me. 


-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Thu, XX/XX/year> at XXXX Subject : CIVIL CASE. NO. XXXXXXXX XXXX XXXX XXXX  To : XXXX XXXX XXXX Cc : XXXX XXXX XXXX Hello XXXX XXXX, please find attached Plaintiffs further motion to distribute surplus and withdraw from the case. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX | Office XXXX XXXX XXXX Supervisory Contact : XXXX XXXX XXXX Legal Operations XXXX | Office 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 2025-12-29 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: WA

Complaint narrative:
Dear Sir/Madam, I am a consumer seeking to resolve inaccuracies on my credit report. Below are the details of the accounts that I believe have been reported incorrectly or in violation of the Fair Credit Reporting Act ( FCRA ). I respectfully request your assistance in correcting these discrepancies. Please see below the details of the accounts in dispute : CHARGED OFF ACCOUNTS XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7600.00} INQUIRIES XXXX XXXX  XXXX : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX  XXXX  XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXXXXXX  Account Number : 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 2025-12-29 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: OH

Complaint narrative:
XXXX. Just because I am making payments to XXXX XXXX and Accounting DOES NOT mean it was debt that I took on! 

XXXX. This account was NEVER sent to a collection agency or charged off! 


XXXX. This was an over payment of salary, a mistake on the part of the XXXX when I departed XXXX XXXX, and I was offered a payment plan to pay it back over time which I have. 

XXXX. How can this show as paid on time and a collection/charge off at the same time? I have never been late! 


XXXX. Just because I was overpaid does not mean this account was sent to a collection agency and it certainly was not charged off! Both ratings are inaccurate and false! XXXX XXXX XXXX XXXX IS WHO PAYS XXXX! NOT A COLLECTION AGENCY!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report XXXX is 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 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
Double payment of {$140.00} was taken out of my bank account on the same day for the same amount. They wont refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: TX

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple 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 non-monetary relief
Consumer complaint received 2025-12-29 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:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: Chime Financial Inc
State: MI

Complaint narrative:
XX/XX/year> I paid my XXXX bill with my chime credit card. I over paid the bill which was XXXX dollars so XXXX refunded my remain balance of XXXX XX/XX/year>. Ive called XXXX several times they have confirmed they sent the money, I call chime and they act clueless. I have a confirmation number from XXXX stating they sent a refund. I call chime to resolve the issue and they hang up on me and claim they dont see the transaction. That money they refunded was suppose to go to my other bills in which now XXXX late on paying. The confirmation number from XXXX is XXXX my address XXXX XXXX XXXX XXXX XXXX XXXX the bill is in my wife name XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Email : XXXX Phone Number : XXXX Date : XX/XX/2025 Equifax Information Services LLC XXXX. XXXX XXXX XXXX, XXXX  XXXX Subject : Dispute of Multiple Inaccurate Accounts Not Mine / No Knowledge Sincerely, XXXX XXXX Attachments : ID, SSN CARD, PROOF OF ADDRESS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Red River Credit Corporation
State: OK

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-12-29 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: GA

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple 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 2025-12-29 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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:
Dear Sir/Madam, I am writing to formally dispute the following information reported on my credit report. I request that you investigate and correct any inaccuracies or errors in my credit file, as outlined below. These disputes are filed in accordance with the Fair Credit Reporting Act ( FCRA ), and I expect a prompt and thorough investigation of each issue. 

Charged-Off Accounts XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$1100.00} Dispute Reason : Inaccurate reporting of this account. This account should not reflect a charged-off status. 

Late Payments XXXX XXXX XXXX 

Account XXXX : XXXX Dispute Reason : The reported late payments on this account are inaccurate and should be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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