vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: MI

Complaint narrative:
This company has continued to report inaccurate and conflicting information on my credit report for over 36 months. They have sent me only partial account statements and can not verify the information reported. Despite multiple disputes and a cease and desist, they continue to report unverifiable and inconsistent data. I also submitted a police report and ftc report over a year ago. 

This violates the FCRA. Im requesting immediate deletion of the account and for them to stop all further contact. My next step is litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XX/XX/XXXX of 2023, I went to a car dealership to look into purchasing a new vehicle. They ran my credit and also checked with XXXX other lenders... totaling XXXX pulls. It was intimated to me when agencies see multiple pulls surrounding mortgages, vehicle loans in a specific period or would be viewed as one pull or it would drop off after 3 months. Almost 1 year later I was looking to get a new credit card for a balance transfer. I checked XXXX  ... although it is still showing it is only showing as one pull. Equifax is showing 4. I dont want another inquiry to jeopardize my credit score. I called Equifax and received the run around. This is costing me real dollars as I am hesitating to wait for an adjustment to my hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: TX

Complaint narrative:
I am submitting this complaint due to repeated failures to remove unauthorized credit inquiries from my credit report. I have submitted dispute letters citing FCRA protections and requesting verification under 15 U.S.C. 1681i ( 7 ), yet the inquiries remain without any valid justification provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: IL

Complaint narrative:
XX/XX/XXXX I contacted Chime through customer support to file dispute for unauthorized transactions on my account from the dates of XX/XX/XXXX and XX/XX/XXXX. These are charges I just found out about when I went to make a payment and my money was not there.They refused. I let them know I let my niece play games on my phone and she made many unauthorized purchases on my account without my knowledge, approval or permission and they refused. I called numerous times talking to agents and people claiming they were a supervisor just for a supervisor to basically call me a XXXX  and condensendelingly ask me how a kid would make a purchase, indicating rudely that I was XXXXXXXX. She made purchases to XXXXXXXX XXXX  go in the amount of {$610.00} without my permission or authorization. I have been a member of chime since XXXX and have never had this issue happen for them to treat me like this and refuse any remedies let alone professionalism. Then it says to file dispute in app which they took away that option for me in my app. So I can not submit my own dispute because there app will not allow me. Their info claims, " Yes, Chime typically reimburses members for unauthorized transactions, even if made by a family member, due to their XXXX XXXXXXXX Liability policy. If an unauthorized transaction occurs, members should report it to Chime immediately. 
Here 's why and how Chime handles unauthorized transactions : XXXX XXXX Liability Policy : Chime cards, including the Chime XXXX XXXX Card and Chime XXXX XXXX XXXX XXXX Credit Card, are backed by XXXXXXXX XXXX XXXX Liability Policy. This means members are not responsible for unauthorized charges if the card is lost, stolen, or fraudulently used, both online and offline. 
Reporting Unauthorized Transactions : If a member notices an unauthorized transaction, they should contact Chime immediately. Chime will then investigate the transaction and potentially refund the member if it is determined to be unauthorized. 
Deactivating Cards : In the event of an unauthorized transaction, Chime will deactivate the card. They may also suggest changing the password and turning off card transactions in the app as additional security measures. 
Disputes : Chime allows members to dispute most types of transactions, but there are some exceptions. For example, money transfers between Chime accounts registered under the same name, payments made with Chime Checkbook, or certain Chime features like " Round-up or Save When I Get Paid '' can not be disputed. " Yet the failed me in every way they advertise and claim protection. Instead of being concerned they treated me like a liar and refuse me to submit dispute nor will they submit XXXX for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA section 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, and XXXX  credit reporting agencies, 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 : Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-06-05 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE
State: UT

Complaint narrative:
I received notice that I'm being sued by Barclay today. The company never provided me with an overview/validation of debt. When I saw the notice, I tried to verify it online but my account is no longer valid. I haven't received any email or paper communications about that fully disclose the debt.

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 2025-06-05 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: CA

Complaint narrative:
I am a XXXX  Trafficking Victim and have sent Experian my official letters for blocking information due to XXXX  Trafficking on 605C. They have not done so and even placed on information from the perpetrators, their debts, and their places of residence. This places me and my family in harms way and risk. Because of this data breached by Experian, the criminals now know where I live! Experian was the furnishers of the data breach and they gave information about me to them. I did not allow Experian to share any of my information with anyone or post it! Experian is the third party that is illegally sharing information with the criminals in my case!

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 2025-06-05 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Someone opened fraud credit card account under my name SYNCB/TJXDC account number on credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SYNCB/TJX CO XXXX SYNCB/TJX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is XXXX 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 non-monetary relief
Consumer complaint received 2025-06-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was charged {$310.00} from XXXX merchant the order was canceled and on the website it shows that a refund was initiated although I have not been refunded its been two weeks. My Bank of America has not credited me or honored the claim and I have not been able to get in touch with the merchant I am missing {$310.00} from my account And Bankofamerica is not protecting me with my claim as they are not honoring it. I need help I am reporting the Bankofamerica for not honoring my claim. originally Bankofamerica filed this dispute as duplicate payment made when it was a canceled order that shouldve been refunded. I have not been given a provisional credit because the teller provided the claim incorrectly and then when I reopen the claim on XX/XX/XXXX they still have not given me a temporary credit I have spoke to 20 people and two managers from the bank. The merchant has stolen money from me and the bank has not reversed this although theyve been given evidence of the canceled transaction and the refund is due. I am including one proof that has the refund entitlement number although there are 12 documents that total {$310.00} from XXXX and it is a canceled order

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 2025-06-05 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: NY

Complaint narrative:
I am a U.S. military veteran disputing inaccurate, misattributed XXXX XXXX tradelines reported by Experian. These include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All are listed as XXXX XXXX XXXX {$0.00} balances, violating Metro 2 standards. Experian re-aged the DOFDs and failed to perform proper reinvestigation per FCRA 1681i and 1681i ( a ) ( 7 ). I requested full Method of Verification and deletion under 1681c-2. My file includes incorrect names ( e.g., XXXX XXXX ), increasing mixed file risk and violating 607 ( b ). Experian failed to respond with documentation. I filed a formal FTC Identity Theft Report and will submit to the NY XXXX, XXXX, XXXX, BBB, XXXX, and XXXX XXXX Banking 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 2025-06-05 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: CA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The XXXX and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal 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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal 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 non-monetary relief
Consumer complaint received 2025-06-05 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: TX

Complaint narrative:
I have no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
Illegal Credit Reporting & Furnishing During Documented Hardship ( XXXX ) All negative tradelines listed were reported : During periods of known, verbalized, or documented hardship While you were attempting to communicate or make arrangements In the context of illness ( XXXX  ), financial instability ( XXXX ), and app/card access issues INCLUDED IN THIS COMPLAINT : Furnisher/Agency Notes Indigo / Concora / XXXX XXXX  XXXX XXXX with repeated violations, false statements, no hardship processing XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX negatively while user was on hardship ( evidence pending ) XXXX  XXXX Included despite discharge/bankruptcy complications ( misreporting possible ) XXXX XXXX Triggered cascading failures ; mishandled stop-payment and internal card issue XXXX XXXXt Negative tradeline posted during hardship ; communication breakdown XXXX  Continued reporting despite disputes, ignoring XXXX  demand * XXXX  Same as above- * XXXX  Same as above * XXXX XXXX XXXX XXXX XXXXXXXX VIOLATIONS INCLUDED : FCRA 623 ( a ) ( 1 ) ( A ) Furnishing incomplete or false information FCRA 611 ( a ) Failure to properly reinvestigate consumer disputes FCRA 609 ( a ) ( 1 ) Refusal to provide full account records upon request 12 CFR 1024.39 ( a ) Failure to evaluate hardship 12 CFR 1024.41 ( c ) Failure to process resolution after hardship notification 15 USC 1637 ( b ) Nondisclosure of fees/terms at account closure 15 USC 1691 ( a ) ( 3 ) ECOA : discriminatory treatment during hardship Negligent or malicious credit score sabotage during extended illness ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: MD

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal 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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX is reporting inaccurate amount on my credit report. Account was already closed in full. 

XXXX XXXX XXXXXXXX ( Bank is reporting late payments on my credit card / loan accounts, which incorrect and that is not true. Never later.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC
State: GA

Complaint narrative:
Security Credit Services LLC Didnt send me the required notice of my right to dispute this allege collection BEFORE adding it to my consumer report. I am now requesting this information be sent to me with the address they have on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: NC

Complaint narrative:
I have disputed these accounts multiple times only for them to be updated ( continuing to report inaccurate information ) or re aged. With duplicate charge offs reporting from late XXXX, inaccurate information reporting all throughout my credit report. This company has failed to properly investigate these matters, dispute after dispute and continues to report inaccurate information to my credit report further hurting my chances of obtaining credit and violating my rights under the FCRA. 

I have disputed these accounts with the credit bureau and directly with the creditors with my most recent letters sent out today on XX/XX/year>, and I am filing this complaint with the CFPB to assure that the investigation into these matters are properly investigated. 

Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) requires credit reporting agencies to maintain reasonable procedures to ensure the maximum possible accuracy of the information they report.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) requires that information found to be inaccurate or unverifiable be promptly deleted from a consumers file following reinvestigation.

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 2025-06-05 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: NC

Complaint narrative:
I have disputed these accounts multiple times only for them to be updated ( continuing to report inaccurate information ) or re aged. With duplicate charge offs reporting from late XXXX, inaccurate information reporting all throughout my credit report. This company has failed to properly investigate these matters, dispute after dispute and continues to report inaccurate information to my credit report further hurting my chances of obtaining credit and violating my rights under the FCRA. 

I have disputed these accounts with the credit bureau and directly with the creditors with my most recent letters sent out today on XX/XX/year>, and I am filing this complaint with the CFPB to assure that the investigation into these matters are properly investigated. 

Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) requires credit reporting agencies to maintain reasonable procedures to ensure the maximum possible accuracy of the information they report.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) requires that information found to be inaccurate or unverifiable be promptly deleted from a consumers file following reinvestigation.

Company response to consumer: Closed with non-monetary relief