vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Despite my previous dispute and reinvestigation request, the credit reporting company continues to report inaccurate information on my credit file. The accounts in question remain unverified, incomplete, or incorrect, yet they were verified without sufficient documentation or evidence of accuracy from the furnisher. 

I initially disputed these items, and the investigation results indicated that the items were verified as accurate. However, no valid proof or original account-level documentation was provided to substantiate that verification. This violates the Fair Credit Reporting Act ( FCRA ) 611 ( a ), which requires the reinvestigation of disputed information to be thorough, complete, and properly verified. 

I have since reviewed my updated credit report and confirmed that the same inaccurate information remains. The continued reporting of unverifiable or false data has negatively affected my creditworthiness, causing harm through credit denials and score reductions. I am now requesting a formal reinvestigation and deletion of all items that can not be fully verified with original documentation from the furnisher.

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 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
Due damages from a natural disaster, such as Hurricane Ian

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: TX

Complaint narrative:
Greetings, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

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 2025-11-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX all accounts charge off 's and pursuant to their presence on my credit file under the definition provided by 15 U.S.C 1681a ( 2 ) ( A ) ( I ). These Charge offs must be deleted immediately under 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 2025-11-04 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: CA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: TX

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 2025-11-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC
State: NJ

Complaint narrative:
After getting served intent to foreclosure papers I realized that Cross Country Mortgage have been sending my tax payments to the wrong parcel number for years. What's more alarming is during the first year of this Cross Country Mortgage should have noticed that the city were returning the tax payment back to them because the information didn't match. Instead of reaching out to the city or to me they did nothing and accepted the returned checks. Through out all of this they would send me email notifications stating that my tax payments have been paid. 

Now I actually got served Foreclosure documents and had to hire a lawyer to file an answer which is not cheap. The most disturbing part is that Cross Country Mortgage is dragging their feet to pay for the missed tax owed and they are pushing the cost on me through my escrow. THIS SHOULD BE ILLEGAL because this is negligence on their side. I hope this agency can help me through Cross Country Mortgage shady business practice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NY

Complaint narrative:
THEY DENIED MY DISPUTE AFTER I SENT IN DOCUMENTS OF TRANSACTIONS I WASNT AWARE OF THAT IVE DISPUTED FROM XXXX I NEVER BEEN ON THAT WEBSITE AND IT TOOK MY MONEY I EVEN SENT IN A POLICE REPORT TO SHOW PROOF MY PHONE AND PERSONAL THINGS WAS STOLEN I WANT .. IF I DONT GET MY MONEY BACK WHICH WAS OVER $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: TN

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX CARD # XXXX -- {$7800.00} - Date Opened : XX/XX/XXXX XXXX CARD # XXXX -- {$6300.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/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 explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: OH

Complaint narrative:
I wan na file lawsuit against XXXXChime. I am tired of going back-and-forth and Im very very sad on how much money they have been taken out of my account. Im a single mother. I need all my money. Were already going through a lot of changes with the government and for them to have a foreigner speak with you and take so much interest rates and take half of your money out of your account. Also, if youre freezing your car, no one should be able to get into your account at all and it still happens every time you call them they give you excuse and theyll send you a ticket through email and have someone call you back then informed me that you have to wait several days to receive your refund. If you even get it most of the time youre denied from the refund that you were asked to get I am in dire need of assistance and I do not want anyone to actually work with trying. Chime is a scam bank and you can not even use Chime in a lot of places because its being a scammedwith them about my account. I constantly have to get new cards cause my card has been data breached. Im constantly freezing my debit card and its not freezing at all. Im constantly getting apps taking money out of my account while my account is frozen. Im constantly calling them about refunds and theyre also taking so much money out of my account just to hold my savings in my checking, they took almost {$300.00} out of my account plus when I receive my tax return every time I call them. There is a foreign person speaking. I can understand nothing that theyre saying it takes days and days and days for them to reach out and get back with me about the concern. Ive been with trying for several years and Im actually sick of it and I want to follow lawsuit against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
An account from Jefferson Capital Systems is appearing on my credit report that I do not recognize. I have never had an account with this company. I asked for verification under the FDCPA, but they have not provided proof that I owed the debt. I believe this is an error and a violation of the FCRA and FDCPA. I request the CFPB 's help in having this account properly investigated and removed if it can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
It took nearly XXXX weeks, a dozen phone calls and XXXX faxes to get my credit card. The company gave confusing, incomplete and/or incorrect information to me at multiple points ( ie the website giving wrong application status, a postal letter telling me which documents I needed to provide after I had already provided those documents, an agent not indicating the correct list of documents which could be valid proofs of identify, etc ). The company would only proactively communicate by postal letter leading to long cycles before I got updates unless I called in to ask myself. 

Most upsetting, an agent hung up on me when I asked to speak with her supervisor.

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 monetary relief
Consumer complaint received 2025-11-04 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: TX

Complaint narrative:
I am requesting a reinvestigation under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) regarding multiple accounts that remain inaccurately reported and unverified on my credit report. These items were previously disputed, but the investigation results failed to include any verifiable documentation from the original creditor or furnisher confirming their accuracy.

Despite my prior dispute, the same accounts continue to appear with errors or unverifiable information, indicating that the previous investigation was incomplete or not conducted in compliance with FCRA requirements. The credit reporting company and/or furnisher has not provided original account-level evidence, billing statements, or signed agreements to substantiate the validity of these accounts.

The continued reporting of unverifiable information has negatively affected my creditworthiness and access to credit. I am now demanding that a full reinvestigation be conducted and that all unverifiable or inaccurate accounts be deleted immediately to ensure compliance with federal law and the accuracy of my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: MD

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-04 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: LA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). The freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. 

Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I filed a billing dispute with Bank of America for a charge from XXXX XXXX. 
The company provided no way to cancel inside its platform. When I contacted my bank, the merchant immediately canceled my membership and denied me access while keeping my payment. 
I attached the email from XXXX XXXX that says membership canceled due to chargeback. 
Bank of America denied my dispute saying they could not confirm cancellation.

Im asking for a re-review and refund because the merchant did not deliver the service I paid for and removed my access.

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 2025-11-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-04 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: TX

Complaint narrative:
This is my second request for reinvestigation regarding inaccurate information that continues to appear on my credit report, despite a prior dispute and a previous filing with the Consumer Financial Protection Bureau ( CFPB ). The credit reporting company and/or furnisher previously claimed the items were verified, but no original source documentation or evidence of verification was ever provided.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of any disputed information and delete or correct data that can not be verified. The ongoing reporting of inaccurate and unverifiable information demonstrates noncompliance with these federal requirements and a failure to uphold my consumer rights. 

I have made good faith efforts to resolve this matter through proper dispute channels, yet the same errors remain. This continued inaccuracy has negatively impacted my credit standing and access to credit opportunities. I am now demanding a full reinvestigation and deletion of all unverifiable or inaccurate entries to ensure my credit report reflects only accurate, complete, and verifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: TX

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc.
State: AP

Complaint narrative:
Google Pay does not adhere to their own refund policies and this needs to be addressed. Multiple times I requested a refund for fraud charges on my account to apps that support XXXX  XXXX, XXXX XXXX, and XXXX XXXX. To me this means Google Pay supports this as well. 

XXXX XXXX holds all refund request till it falls from their policies and they deem it unrefundable. I have fought for refunds with Google Pay for a few years now and only ever received it once with the help of CFPB, but all other refunds that total to almost XXXX USD are unrecoverable due to Google Pay abusing their own policies and neglecting refund reviews or closing requests without properly updating consumers. 

I am asking for a full refund on all charges to an app called XXXX XXXX and the refunds I havent been refunded for on XXXX. I am requesting a refund, if it is not possible all documents, all policy letters, everything they used to deem my refund, nonrefundable so I may report them to higher authorities and if necessary file a class action lawsuit against them for negligence and abuse of authority for monetary gain. Also to report them for support supporting fraud, XXXX XXXX, XXXX XXXX that can be accessed to XXXX  as well as XXXX XXXXXXXX.

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