vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: Chime Financial Inc
State: VA

Complaint narrative:
I used a link or some form of advertisement to open a new account with Chime with the understanding that by linking my direct deposit and using their debit card I would receive XXXX  XXXX amount back per monthly qualifying XXXX XXXX and XXXX % percent up to XXXX  XXXX amount from using my Chime Debit card on qualifying purchases within XXXX  days of account opening OR within XXXX days of activating the card. 

I contacted Chime via phone call and app chat, the only forms of communication available leaving me with no on-the-record protection against misadvisement, and received incredibly varying responses on new account bonuses including " {$350.00} simply for opening a new account '' ( phone call communication ), and in XXXX chat session was advised that I could receive a combined total of {$500.00} via {$350.00} qualifying direct deposits and {$150.00} qualifying debit card purchases. I have screenshots of the chat communication.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-10-16 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:
As obligated by 15 U.S. Code 1681g, please delete the disputed accounts within the legal timeframe.

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 2025-10-16 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof. 
I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : 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 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 2025-10-16 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
I am filing a complaint regarding a collection account that has appeared under my name from LVNV Funding LLC in the amount of {$1200.00}. 

I do not recognize this account, and I have no knowledge of owing this debt. I have not received any valid documentation that establishes the origin, validity, or ownership of this alleged debt. 

I have attempted to contact LVNV Funding LLC directly in order to verify the debt, but I have been unable to reach them or obtain any meaningful information. This lack of transparency makes it impossible for me to confirm whether the debt is mine, and it raises concerns about whether this account has been reported in error. 

This collection is negatively impacting me, and I am requesting : Validation of the debt as required under the Fair Debt Collection Practices Act ( FDCPA ), including original creditor name, account documentation, and itemized breakdown of the alleged balance.

Removal of this collection from my credit report if LVNV Funding LLC can not provide proper validation.

CFPB review of LVNV Funding LLCs practices, since I have been unable to obtain the legally required information regarding this account.

I am disputing this debt because I do not recognize it, and without validation, I do not believe I owe it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2025-10-16 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: OH

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I deposited a check from XXXX XXXX XXXX XXXX XXXX on XX/XX/year>, which is a federal student loan refund. Chase placed a 7-day hold and refused to give me written notice explaining why. When I asked, the employee said Chase can hold it for 7 days if we want and doesnt have to give anything in writing because I was told at account opening. When I pressed for a reason, the employee said smugly, Oh, you want a reason? We received hundreds of thousands of these checks and they were fraudulent. That claim seems false since my college is very small and unrelated to my check. This violates Regulation CC ( 12 CFR 229.13 & 229.16 ), which requires written notice for extended holds. Chases refusal to comply and false reasoning are delaying access to my federal education funds and causing hardship. Please investigate and insure compliance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-16 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:
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 XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX  ] Account Number : [ XXXX ] Creditor Name : XXXX XXXX XXXX XXXX  ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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:
Dear CFPB, I am submitting this complaint regarding serious inaccuracies on my credit report that have caused substantial financial harm, undue stress, and potential damage to my creditworthiness. These errors include incorrect addresses, unauthorized inquiries, and unverified collection accounts reported by [ Credit Bureau Name ]. These actions violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 
XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Reported as my address. This is incorrect. I have never resided at this address, yet your bureau has included it in my file. This false reporting creates confusion for lenders, creditors, and potential employers who use my credit report to verify residency. Such reporting violates FCRA 1681c ( a ) ( 1 ) regarding accuracy of identifying information. The presence of this incorrect address is materially misleading and adversely affects my reputation and creditworthiness. 
XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Incorrect address ; I have never lived or received mail here. The reporting of this address exposes me to potential identity misappropriation and increases the risk of fraudulent accounts being linked to my identity. FCRA 1681e ( b ) requires that consumer reporting agencies maintain procedures to ensure maximum possible accuracy. This false information has already caused me anxiety and has impacted my ability to secure credit efficiently. 

XXXX XXXX XXXX Opened XX/XX/year> Unpaid Balance {$1500.00} Reported as a collection. I have no knowledge of this account and deny ever opening or owing it. Reporting this account without verification violates FCRA 1681i ( a ) ( 1 ) and FDCPA 1692e, which prohibit misleading or false representation of any debt. This reporting has caused stress, unnecessary collection calls, and impacted my ability to obtain credit. I request that this account be fully verified with proper documentation ; if verification can not be provided, it must be deleted immediately.

These inaccuracies are materially misleading, negatively affecting my creditworthiness, creating financial obstacles, and causing emotional distress. I request CFPB assistance to : 1. Ensure [ Credit Bureau Name ] conducts a proper investigation of each disputed item.

2. Verify each collection account or remove unverifiable accounts immediately.

3. Remove all incorrect addresses and unauthorized inquiries.

4. Provide written confirmation of corrections and removal.

The bureaus failure to accurately report this information violates federal law and has caused tangible harm. I request that CFPB intervene to ensure compliance with FCRA and FDCPA and restore the accuracy of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am filing a formal dispute against inaccurate reporting of XXXX accounts currently appearing on my credit file : XXXX XXXX  XXXX and XXXX XXXX. Both accounts were paid in full and should not be reported as charged off or past due. Despite being resolved, both continue to show charge-off and delinquent statuses, which misrepresents my payment history and violates the Fair Credit Reporting Act ( FCRA 607 ( b ) and 611 ). 

XXXX XXXXXXXX XXXX continues to report a charge-off of {$830.00}, and XXXX XXXX reports a charge-off of {$430.00}, even though both were satisfied. I have already disputed these items with the credit bureaus, yet they remain inaccurately listed. I am requesting a reinvestigation to ensure the accounts are accurately updated and deleted as agreed.

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 2025-10-16 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: AL

Complaint narrative:
Upon reviewing my credit reports, I discovered multiple accounts and inquiries being inaccurately reported and negatively impacting my credit profile. Several XXXX XXXX  accounts, including those associated with XXXX, XXXX, and XXXX XXXX, were listed as charged off with conflicting and unverifiable information. These accounts reflect inconsistent balances, incorrect dates, and discrepancies between credit bureaus, which clearly indicate reporting errors. Additionally, XXXX XXXX XXXX is reporting a collection account allegedly purchased from XXXX, yet no proof of ownership or original signed agreement has ever been provided despite previous disputes. Furthermore, XXXX XXXX XXXX XXXX is reporting late payments that were never properly verified, even after prior dispute resolutions. I also found several unauthorized hard inquiries from companies such as XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX , which I did not authorize or initiate. These inaccurate and unverifiable reports have caused serious harm to my creditworthiness and reflect noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

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 2025-10-16 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: CT

Complaint narrative:
I reported unaothorized credit searches on my credit file to Experian after first reaching out to the companies that reported these to Experian. 

I filed a compalint with BBB about this, they received no repsonses and no response from EXPERIAN on my complaint and stated there was nothing more they coud do as the businesses and Experian failed to reply in the required time. 

I sent Experian on the XXXX of XX/XX/year> a formal complaint including the searches that were unauthorized and unknown. 

They sent a nonsensical letter back stating they had received a complaint but it didn't in their opinion look kile i had sent it ( even though I included a signed cover letter/copy of ID and SSN number. 

I called the number and spoke to the fraud department and they refused to discuss the matter any further despite request to speak to a XXXX as it 'failed to meet their criteria '. I stated that i am formally reporting fraud and/or unauthorized hard searches on my account and they stated they would not even look at this. 

I asked them why the information and criteria for them to take unauthorized or fraudulant hard enquiries on my account seriously as a consumer but the conversation went nowhere with a very clear 'we don't care ' attitude.

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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under 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 non-monetary relief
Consumer complaint received 2025-10-16 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: NY

Complaint narrative:
I submitted complaint # XXXX -- -This is the response Company responded Status Company responded on XX/XX/2025 Response type Closed with explanation Company 's Response We have received your request. However, we are unable to locate a credit file for you for one of the following reasons : You have not applied for credit recently You have not actively used your credit in the last ten years, or You have not lived in the United States or have not been issued a United States Social Security number. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit XXXX XXXX XXXX. 
My Response This is totally false. I have used my credit cards for points and have loans that are reported on the other Bureaus Experian and XXXX. I just used my credit card today for points. How can they say you have not applied for credit recently You have not actively used your credit in the last ten years. also, they stated you have not lived in the United States or have not been issued a United States Social Security number. If you have any additional questions, I also was born in US and a citizen. I had my Social Security number for over 50 years the same number. I sent in a copy with my driver 's license and letter 3 times. They are blatantly submitting false information to you. They are affecting my credit, and I want to take legal action. this matter is not rectified immediately ; I intend to pursue legal action for damages resulting from this ongoing negligence and noncompliance. I am fully prepared to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seek relief through the courts if necessary. Please see letter attached to Equifax several times. her is the last one sent in XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Collection accounts appearing on my credit report seem to contain inaccurate details. In accordance with my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a credit report that is accurate and verifiable. I am requesting a detailed investigation of these accounts, and if accuracy can not be confirmed, they must be deleted.

Company response to consumer: Closed with non-monetary relief