vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 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: AL

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 AL XXXX ACCOUNTS : XXXX - Account Number : 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 explanation
Consumer complaint received 2025-06-24 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2025-06-24 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  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 XXXX XXXX FL XXXX INQUIRIES : XXXX XXXX XXXX Date : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: AZ

Complaint narrative:
A while back, I requested my Consumer Report to be frozen from LexisNexis. Shortly after I was finished with some stuff, I used the pin provided to request the freeze to be lifted. It was never lifted, and I tried to open a new credit account, and it was blocked, because of LexisNexis failure to do their jobs. On top of that, recently, within the last 60 days, I requested the information needed to unfreeze my report ( the PIN number from them ), and provided CLEAR photos of the proof of identity, and I got a letter saying they're denying it, because they couldn't read the ID. I have double checked it, and it's perfectly clear, so either they're using filters to purposely filter out IDs, or they're not wanting to do their job. Either way, I have made attempts at calling and emailing them, and there have been no response and a long hold, and no one ever answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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:
Subject : Dispute and Request for Removal of Fraudulent Addresses Under the Fair Credit Reporting Act ( FCRA ) I am writing to formally dispute and request the immediate removal of fraudulent addresses appearing on my credit report. These addresses are not affiliated with me in any way and indicate the presence of inaccurate and potentially unauthorized activity tied to my credit profile. 

The following addresses are not mine and must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have previously submitted a request to have these addresses removed, yet they remain on my report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i Procedure in case of disputed accuracy, you are required to conduct a reasonable investigation when a consumer disputes the accuracy or completeness of any item in their file. Failure to comply constitutes a violation of federal law. 

Per my rights under the FCRA, I am requesting that you : 1. Immediately investigate and remove all fraudulent addresses from my credit file.

2. Send me a written confirmation once the investigation is complete and the addresses have been removed.

3. Provide the name, address, and telephone number of any furnisher ( s ) who supplied these addresses. 

Please consider this letter a formal dispute under the FCRA. If these fraudulent addresses are not removed promptly, I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). You have 10 days to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/year> I received a text message from someone pretending ( I didnt know at the time ) to be chime. In the message it said, A recent change triggered a temporary hold. You can lift it by verifying your info. And provided a link In the message, I clicked the link and the chime website appeared. I login and verify my account. About 30 mins later, I received emails stated that my address was changed to a Texas address. I live in Georgia. Then I get a notifications stating I requested money from my XX/XX/XXXX. So now Im confused and Im at work. I go to the restroom and go on my app where I notice all my money was gone. 
XX/XX/year> at XXXX I received an email stating there was a new login in XXXX, NY. Im in Georgia. At XXXX a transfer of {$470.00} was made to a XXXX. At XXXX another transfer of {$210.00} was made to the XXXX. I dont own a XXXX XXXX I called and had both transactions disputed. The one for {$210.00} was denied the next day. The one for {$470.00} was denied on XX/XX/year>. Both were denied because no error occurred, says chime. What am I suppose to do? That was part of my rent money. Now Im in a hold. Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: MO

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

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. 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 non-monetary relief
Consumer complaint received 2025-06-24 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: MO

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

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 explanation
Consumer complaint received 2025-06-24 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: MA

Complaint narrative:
TransUnion is currently reporting three derogatory accounts on my credit file, all of which are either inaccurate, unverifiable, or in violation of the Fair Credit Reporting Act ( FCRA ). These entries are causing direct harm to my creditworthiness and do not meet the legal standards for continued reporting. 

The first account is from XXXX  XXXX - XXXXXXXX XXXX XXXX XXXX XXXX reported as a charge-off with a balance of {$3800.00} and a date of XX/XX/XXXX. This charge-off is over eight years old and should no longer be appearing on my credit report. Under FCRA 605 ( a ) ( 4 ) [ 15 U.S. Code 1681c ], charge-off accounts can not remain on file for more than seven years from the date of the first delinquency that led to the charge-off. TransUnion has failed to follow this requirement, allowing an obsolete, negative item to remain on my record unlawfully. 

The second account is from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported as a collection in the amount of {$3400.00}, with a date of XX/XX/XXXX. I have never received verifiable documentation supporting the legitimacy or ownership of this debt. Despite requesting validation, neither the furnisher nor TransUnion has been able to provide sufficient proof that I owe this amount or that it is being reported with the highest degree of accuracy, as required by FCRA 1681e ( b ). Continued reporting without validation constitutes negligent noncompliance. 

The third entry is a vague and generic collection entry labeled only as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, with a date of XX/XX/XXXXXXXX  for {$330.00}. This entry is especially suspicious due to the lack of identifying informationno named creditor, no account number clarity, and no supporting documents. This violates not only FCRA 609 ( a ) ( 1 ), which gives me the right to know the source of the information being reported, but also 1681i ( a ) ( 1 ), which mandates reinvestigation when a consumer disputes an entry. TransUnions failure to provide the name of the original creditor or any validation of this debt leaves me no choice but to question its legitimacy and demand its immediate removal. 

This pattern of negligence shows a lack of reasonable procedures to assure maximum possible accuracy, as required by federal law. These items are having a materially damaging effect on my credit profile and impeding my ability to qualify for financial products and fair rates.

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 2025-06-24 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: RI

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! 

"

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 2025-06-24 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  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 XXXXXXXX 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, Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$940.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: OLD NATIONAL BANCORP
State: MI

Complaint narrative:
I opened an Old National Bank checking account on XX/XX/XXXX. Afterward, I made XXXX direct deposits of {$3500.00} ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) to qualify for the welcome bonus. 

I called them on XX/XX/XXXX to ask why I did not receive any bonus. I was told that I did not make qualifying direct deposits. 

Old National Bank advertised that opening a checking account gets up to {$650.00} bonus. 
It was advertised at the obvious spot on their website as follows. 
( https : //www.oldnational.com/personal/checking/checking-offer/ ) To qualify the XXXX dollar bonus, 1. Open an ONB Preferred Checking1 or ONB Everyday Checking account.

2. Make qualifying direct deposits totaling at least {$3500.00} per month for 3 consecutive calendar months after account opening.

3. Enjoy your bonus payout! * ( See attached screenshot ) However, in the terms on the bottom of the page, it changes the definition for the " Qualification Period '' to " The qualifying minimum direct deposits must be made to the new account for 3 consecutive calendar months beginning in the calendar month following the calendar month in which the new account was opened. '' ( See attached screenshot ). 

As the customer service explained to me, the month that my account opens does not count. Therefore, they will not honor the {$650.00} bonus even after 130 days of account opening. 

Here, their statement contradicts each other. In the obvious spot, they stated 3 consecutive calendar months after account opening. However, in the terms, they used very vague and hard-to-understand words to disqualify the direct deposit in the calendar month of account opening.

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 2025-06-24 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX BANK XXXX XXXX XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-24 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: FL

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 : XXXXXXXX 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, Balance : {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$95.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$17.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$19.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$75.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$690.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$6900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$580.00}

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