vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 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: CA

Complaint narrative:
I disputed two accounts with TransUnion that are inaccurate and do not belong to me. I also filed a CFPB complaint last month to address these errors. However, TransUnion is still reporting these same accounts, which is damaging my credit profile. This demonstrates that TransUnion did not properly investigate or resolve my disputes in compliance with the Fair Credit Reporting Act.

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 2025-08-28 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 a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: Opportunity Financial, LLC
State: MS

Complaint narrative:
I have reached out to the creditor and asked for correction to be made. Creditor continues to state they can fix the reporting but I need to take care of the debt immediately! i asked creditor to send me all information by mail and they stated that they could not mail me any information nor debt validation but would do it by email. After the first call I asked for, all contact to be by mail so I could have all documents to look over. instead i started receiving hang up calls and daily calls from there after. i sent dispute letters asking form the same information and they would just send a paper saying it's verified. Dates of letters XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX calls incoming that I took even after continues asking for mailed information XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Along with several other days of hag up calls

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Consumer Financial Protection Bureau Re : Formal Complaint on XXXX XXXX XXXX Account XXXX in XXXX ( Fraudulent Charges ) To Whom It May Concern, I am submitting this formal complaint through the Consumer Financial Protection Bureau regarding fraudulent charges on my XXXX XXXX XXXXXXXX account ending in XXXX. 

I repeat : these charges are fraudulent. The account belongs to me ; however, my card was stolen and used without my authorization or approval. Unauthorized transactions totaling {$460.00} were made, and I am demanding that these charges be removed immediately. 

To support my claim, I am providing the following documentation : Federal Trade Commission Identity Theft Report Official Police Report Both reports confirm that these transactions were made fraudulently without my knowledge or consent. 

XXXX XXXX XXXXXXXX has an obligation under the Electronic Fund Transfer Act ( EFTA ) and Regulation E to investigate and resolve this matter promptly. Failure to remove these unauthorized charges is a violation of my consumer protection rights.

I am requesting immediate removal of the fraudulent charges and full restoration of the affected funds to my account. Please confirm receipt of this dispute and advise me in writing of the corrective actions taken.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting.

I never had an account with Professional Debt, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law.

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: PA

Complaint narrative:
This XXXX XXXX XXXX  account does not belong to me. I never opened or authorized this account, and it was closed by the creditor due to suspicious or fraudulent activity. Despite this, it continues to appear on my credit report and negatively affects my credit history. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this inaccurate account be removed from my credit file.Despite numerous letters sent to my by XXXX XXXX XXXX stating the account was closed as suspicious activity it is still effecting me and causing me financial distress. I will seek an attorney if this is not actually investigated and removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: PA

Complaint narrative:
This XXXX XXXX XXXX  account does not belong to me. I never opened or authorized this account, and it was closed by the creditor due to suspicious or fraudulent activity. Despite this, it continues to appear on my credit report and negatively affects my credit history. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this inaccurate account be removed from my credit file.Despite numerous letters sent to my by XXXX XXXX XXXX stating the account was closed as suspicious activity it is still effecting me and causing me financial distress. I will seek an attorney if this is not actually investigated and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: TX

Complaint narrative:
Subject : Complaint Regarding Improper Credit Reporting by XXXX XXXX During CARES Act Relief Dear CFPB, I am filing this formal complaint against XXXX XXXX  regarding improper credit reporting on my mortgage account Loan Number XXXX. 
I was placed on a CARES Act forbearance plan due to financial hardship. Before the expiration of the initial term, I requested and was approved for an extension under the COVID-19 Recovery Standalone Partial Claim ( Loss Mitigation Program Consumer Relief Guide ). 
Despite being under approved relief, my mortgage account has been reported as delinquent for the months of XX/XX/XXXX through XX/XX/XXXX. This is a direct violation of CARES Act Section 4022, which requires servicers of federally backed mortgages ( e.g., XXXX, VA, XXXX XXXX XXXXXXXX XXXX ) to report accounts as current when borrowers have entered approved payment relief programs. 
This inaccurate reporting has caused harm to my credit and is in conflict with both the CARES Act and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: TX

Complaint narrative:
Subject : Complaint Regarding Improper Credit Reporting by XXXX XXXX During CARES Act Relief Dear CFPB, I am filing this formal complaint against XXXX XXXX  regarding improper credit reporting on my mortgage account Loan Number XXXX. 
I was placed on a CARES Act forbearance plan due to financial hardship. Before the expiration of the initial term, I requested and was approved for an extension under the COVID-19 Recovery Standalone Partial Claim ( Loss Mitigation Program Consumer Relief Guide ). 
Despite being under approved relief, my mortgage account has been reported as delinquent for the months of XX/XX/XXXX through XX/XX/XXXX. This is a direct violation of CARES Act Section XXXX, which requires servicers of federally backed mortgages ( e.g., XXXX, VA, XXXX XXXX XXXX XXXX ) to report accounts as current when borrowers have entered approved payment relief programs. 
This inaccurate reporting has caused harm to my credit and is in conflict with both the CARES Act and the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Fraudulent XXXX Transfers Bank Denying Responsibility To Whom It May Concern, I am filing a formal complaint regarding fraudulent activity on my Chase Bank account. 

On XX/XX/year>, I was contacted by criminals spoofing my banks official phone number and impersonating the fraud department. They tricked me into believing my account was under attack and directed me to approve XXXX transfers through the Chase app. In reality, these were fraudulent transactions, and my funds were stolen. 

Despite reporting this immediately, Chase Bank has stated they may not be responsible because I authorized the transfers. However, my authorization was obtained under fraudulent impersonation and deception. This is a clear violation of consumer protections under the Electronic Fund Transfer Act ( Regulation E ), which covers transfers made as a result of fraud or false pretenses. 

I am requesting the CFPB investigate this matter and require Chase Bank to treat these losses as fraud, restore my funds, and update their policies so consumers are not left unprotected when criminals impersonate bank employees. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX FL, XXXX XXXX / XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: Chime Financial Inc
State: FL

Complaint narrative:
I have had multiple issues with this company in how it takes money and doesnt allow the services associated with the fees. From the spot me bonus fluctuating and the XXXX  cancellations, chime has failed to meet even the most basic of expectations. My loan for {$100.00} needed to be paid for but over a XXXX month period. I missed the first payment due to a XXXX  XXXX and prolonged time away from work causing me to use all my savings. Supposedly, the system registered the late {$35.00} loan adjustment repayment as a loss of work. The system then revoked all my accumulated credit that had been built over the course of a year, and placed it on XXXX with a restriction to my pay. I however have never switched employers or providers. I received a direct deposit today in the amount of {$700.00}. The application told me prior to this deposit that once I get the deposit, my chime credit would be reinstated. However, when I received the deposit, they took money to pay for the loan, and the credit builder. But they labeled me as a new user losing all my credibility with the company.Now its saying I need yet ANOTHER direct deposit to have a credit limit of {$50.00}. When my limit was {$500.00}. Im in a financial struggle, where eating is a luxury and surviving is a must. I was hoping to use my money to buy food, unfortunately, I dont even have enough money to pay my rent. When I expressed this to the company, they all informed me that they will NOT HELP me in reinstating privileges stating the app is a robot and makes its own irreversible decisions. That doesnt sit well with me that a robot is in charge of my money and no human can override the decisions. Once I reached a supervisor after being placed on hold for an hour and hung up on multiple times throughout the process, he said he could do nothing but escalate it. When I asked, what does that mean for me? He then told me that I need to receive another direct deposit and they will not be able to reverse anything the system has decided. I feel that is a blatant lie, as chime is a fintech company, and therefore has humans that are capable of overriding such procedures. The supervisor then told me to hang up he has nothing left to say to me. I asked again, what are you saying. Are you saying youre unable to help, or refusing to help. And he told me yet again, i needed to hang up because i am wasting his time and he has far better things to do. After leaving me on hold for nearly another hour, he yells at me and hangs up on me. I feel they were hoping I would hang up the phone to save them time on explaining the actual protocol.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Receivable Management Services LLC
State: GA

Complaint narrative:
I never had XXXX  as XXXX XXXX my information was leaked in a data breach

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX  XXXX account number XXXX XXXX has inaccuracies on it Equifax TransUnion hazard at XXXX Experian hazard at XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX  XXXX account number XXXX XXXX has inaccuracies on it Equifax TransUnion hazard at XXXX Experian hazard at XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: TX

Complaint narrative:
On XX/XX/year>, I submitted a certified dispute letter to Equifax. My disputes were targeted to specific accounts only ( XXXX  XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX accounts, XXXX XXXX misclassified, and certain revolving accounts with missing data or improper comments ). 

Instead of conducting a reasonable reinvestigation, Equifax applied the notation Consumer disputes reinvestigation in process to nearly every tradeline on my file, including accounts I never disputed and even long-closed/obsolete accounts. 

On XX/XX/year>, I received FICO alerts showing multiple descriptor updates and an immediate XXXX drop in my Equifax FICO XXXX score as a direct result of these mass dispute codes. My Annual Equifax Credit Report dated XX/XX/year> confirms that dispute in process notations were applied across the board, misrepresenting my credit profile to lenders and damaging my score. 

I did not request mass disputes. This blanket action shows Equifax failed to reasonably investigate my actual disputes, acted in bad faith, and created new harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am over this XXXX XXXX different credit bureaus reporting XXXX different credit scores. Whats my real XXXX score XXXX, XXXX or XXXX? Some deleting old charge off accounts the other credit bureaus still showing this XXXX. The madness needs to stop. These accounts are old the charge off according to 15 US Code 1681 ( c ) 2 and 15 US code 1692 ( g ) and 16 USCode1666 b all of these collections and late payments should be removed off of my credit files. I demand you remove all of this negative information from my files. The XXXX and XXXX both have been brought by other companies and additional fees processed. Please remove this immediately off all three bureaus. 
I request immediately deletions of these old XXXX accounts. Where is the darn verified proof for these accounts. And when I received the free reports in the mail why they printed XXXX down and I dont understand how to read this information too much together not an organized account information detail. XXXX credit bureaus deleted all my old addresses some want. Where is the freaking consistency across these firms. First I didnt give my permission to furnish my information or to give too no one lets start there please fix all this immediately. If its closed take it off these creditors have received their monies. Let me have the freedom I deserve again. Sending me XXXX pages XXXX the heck down. XXXX XXXX educators has changed my status and the bureaus still reporting this old XXXX information. Why are you modifying any of this the information is older than 7 years. I demand deletion of all these negative accounts immediately!!! 
XXXX. XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX with my name on it that you furnished my information to without my freaking consent I demand Transunion, XXXX XXXX XXXX  to remove this XXXX immediately!!! XXXX tired I need this fixed and if they will fall off of my report within the next XXXX months anyways remove the collections or late payments. I need a fresh start!!!! 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief