vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing this complaint against Equifax for their failure to respond to my dispute letter dated XX/XX/year>, sent via certified mail, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which requires consumer reporting agencies to conduct a reasonable reinvestigation of disputed information within 30 days of receiving a consumers dispute. 
On XX/XX/year>, I mailed a dispute letter to Equifax, disputing the following inaccurate and unauthorized information on my credit report : Inaccurate Accounts : XXXX XXXX XXXX Account Number XXXX : This account is reported inaccurately and should be corrected or removed. 
XXXX XXXX XXXX Account Number XXXX : This account is also reported inaccurately and should be corrected or removed. 
As of XX/XX/year>, Equifax has not responded to my dispute letter, nor have they corrected or removed the inaccurate accounts, unauthorized inquiries, or incorrect address from my credit report. This failure violates FCRA 1681i, which mandates that Equifax investigate and respond to consumer disputes within 30 days. 

Equifaxs failure to respond to my dispute and correct the inaccurate information has caused significant harm, including a negative impact on my credit score, limitations on financial opportunities, and undue emotional stress. The presence of unauthorized inquiries and incorrect information further jeopardizes my creditworthiness, violating my consumer rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: McKenzie Management LLC
State: IL

Complaint narrative:
On XX/XX/year>, my XXXX XXXX XXXX said that my account is restricted and can not transfer funds that I already had on my XXXX XXXX XXXX. I called XXXX to let them know the issue they then sent me over to XXXX XXXX XXXX to escalate my issue further and that is when they told me to give them 48 hours to look over my. After one week of not hearing back from XXXX XXXX I took the initiative to give the a call and then they explained to me that I was forever banned from XXXX XXXX with no explanation or reason. I have been a loyal customer with XXXX XXXX  for the last 4 years and used it many times with friends and family as it makes it convenient for us to transfer and send money to each other. I demand my situation to be further looked into further and given an explanation for my account being restricted and to be legally further looked into.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
On XX/XX/year>, the dispute reason on Payment 2 {$830.00} was changed from Unauthorized to Significantly Not As Described. I never changed the reason of the dispute PayPal customer service made the change on their end. 
On XX/XX/year>, the dispute on Payment XXXX was closed as it was determined that the service provided was able to be verified as being completed by the Seller. On XX/XX/year>, you appealed the dispute on Payment XXXX. 
On XX/XX/year>, a credit was provided to your Account for Payment 1 {$900.00}. I received the credit and on XX/XX/year>, the funds for Payment XXXX were debited from the Account. This caused a negative balance of - {$880.00}. 
On XX/XX/year>, your appeal on Payment XXXX was denied due to the service being confirmed as being completed by the Seller. This was an unauthorized transaction. 
XX/XX/year> : PayPal denied my claims. The actions taken to resolve my claims are not in accordance with the PayPal Purchase Protection Policy. Payment 1 was not credited to my Account, and Payment 2 being denied is not in accordance with the PayPal Protection Policy.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

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  ] 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 2025-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a dispute on XX/XX/year> attached with a FTC report for the account XXXX. Transunion initially removed it and then added it back after making a complaint with the CFPB. This account just reported a late payment but had been closed when I initially seen it on my report and was reported as fraud to the FTC. 

This account on my credit report also has misleading information. The credit limit and past due amounts are also different between Transunion and XXXX. 

They are also doing this with another account. XXXX XXXX There is no way they are doing their investigations as numerous account come up on my report as non matching information. 

The accounts possible remain as well and have been reported almost 10 times for the same thing. This account is also onthe report. This company is not doing their due diligence in investigating these accounts. 

XXXX XXXX ( FRAUDULENT ) Account # XXXXXXXX XXXX XXXX XXXX XXXX  shows different dates and statuses between Transunion and XXXX. 

XXXXXXXX XXXX XXXX XXXX shows different dates and statuses between Transunion and XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX  shows different dates and statuses between Transunion and XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX shows different dates and statuses between Transunion and XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX shows different dates and statuses between Transunion and XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX  shows different dates and statuses between Transunion and XXXX. 

XXXX XXXX XXXX XXXX XXXX  * Shows different dates amounts and statuses on all bureaus. No investigation was completed based off of this. This is misuse of my credit file.

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 2025-06-23 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing inaccurate and potentially unlawful reporting by XXXX XXXX XXXX XXXX XXXX XXXX  ) involving XXXX charged-off accounts : a credit card, a personal loan, a loan that was traded into a new loan, and an auto loan that was repossessed. 

I have submitted formal disputes to credit bureaus ( XXXX, Experian, and XXXX  ) under the Fair Credit Reporting Act ( FCRA ) and FDCPA. I am requesting the CFPB investigate due to unresolved and serious inaccuracies in all three accounts : XXXX. XXXX Credit Card ( Acct # XXXX ) - Balance of {$1600.00} exceeds {$1000.00} credit limit - Account shows charge-off since XX/XX/XXXX but balance keeps increasing - 100 % credit utilization is still being reported post charge-off - Negative payment history continues monthly despite closure - This is misleading, punitive, and violates FCRA 605 ( a ) ( 4 ) and 607 ( b ) XXXX. XXXX Unsecured Loan ( Acct # XXXX ) - Original balance : {$2000.00} ; reported balance inflated to {$4700.00} - Charge-off reported since XX/XX/XXXXXXXX XXXX XXXX XXXX months of negative history reported, even after charge-off - No itemization of charges, fees, or interest - Balance increase appears arbitrary and unverifiable XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Original loan : {$25000.00} ; balance after XXXX : {$33000.00} - Charged off and marked repossessed in XX/XX/XXXXXXXX XXXX  - No accounting of sale proceeds, deficiency balance calculation, or required notices - No documentation validating post-repo charges or final balance - No validation provided despite formal request under FDCPA 809 XXXX XXXX  Paid Auto Loan ( Opened XX/XX/XXXX, Account # XXXX ) This auto loan was fully paid and closed in good standing in XX/XX/XXXX when I traded in the vehicle and financed a new XXXX through XXXX. However, this account is still being reported in a way that makes it appear connected to the current repossession, or as if it carries an unpaid balance. This results in duplicate or misleading reporting. 

It should be marked Paid in full, closed with no outstanding balance, no delinquency, and no connection to the new repossession account. I request this account be clearly separated and verified as resolved or removed from all reports if it is contributing to negative scoring inaccurately. 

These accounts have inaccurate balances, outdated or misleading charge-off reporting, and have not been properly validated per federal law. XXXX has failed to investigate or correct the accounts under FCRA 611 and 623 ( b ). I request the CFPB investigate UFCUs credit furnishing and collection practices and require accurate and lawful reporting. These accounts should be corrected or deleted immediately if validation can not be provided.

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: EQUIFAX, INC.
State: GA

Complaint narrative:
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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX/XXXX/XXXX, Balance : {$340.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$100.00} INQUIRIES : DEPT OF ED Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX DEPT OF ED Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I received an alert from XXXX XXXX XXXX that a new collection account had been added to my credit report. On XX/XX/year>, I contacted Credit Collections, XXXX XXXX XXXX XXXX, MA. XXXX to inquire about this account. I was informed that the account was incorrectly reported as it belonged to another individual whom shared my same date of birth, but resided in another state. I then contacted esurance car insurance agency who the account is linked to and they verified that the account did not belong to me. 

I filed an identity theft report with XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, Fl. and I need the account deleted from my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
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: EQUIFAX, INC.
State: TN

Complaint narrative:
I urgently request the deletion of these unauthorized accounts from my credit report, as I did not open them and was unaware of their existence. In compliance with USC 1681g, please remove them within 15 days. Attached are the required supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} INQUIRIES : XXXXXXXX XXXXXX/XX/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 2025-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I formally dispute all inaccurate, unverifiable, and unsubstantiated information reporting on my credit file. Your current reporting fails to comply with the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, and Metro 2 data reporting standards. You are reporting derogatory data without furnishing documented, factual evidence of accuracy or permissible purpose.

You are obligated under FCRA 611, 1681e ( b ), 1681i ( a ), and Metro 2 compliance standards to maintain maximum possible accuracy. Allegations of delinquency, derogatoriness, and ownership are presented without certified, verifiable proof. The deficiencies in your reporting are material violations of federal law. 

I demand that you provide full documentation proving the lawful reporting of each disputed item, including contracts bearing my wet signature and proof of permissible purpose for every inquiry. If such evidence does not exist, you must DELETE these accounts immediately. 

Disputed Personal Information : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are required to certify all data as fully accurate, complete, and compliant. Failure to resolve these violations will force me to escalate this matter to the CFPB, FTC, and my Attorney General. 

I authorize you to mail me full documentation and updated reports reflecting corrections.

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Telephone : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX Social Security Number XXXX, a resident of XXXX XXXX XXXX XXXX, TX XXXX , submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 

Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXXXXXX  Current Address : XXXX XXXX XXXX XXXX XXXX TX XXXX Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number.

Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: TN

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: MA

Complaint narrative:
I got a notification from chime my account was closed with no reasoning or explanation with over XXXX k in the account have not received my funds as a struggling father of XXXX with serious XXXX XXXX  going on my kids have no food nothing and we can not pay our rent

Company response to consumer: Closed with explanation