vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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 CA XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$32000.00}

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 non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Account info XXXX XXXX XXXX XXXX  Account number XXXX Open/closed Closed Date opened XX/XX/year>2021 Account type XXXX  THIS ACCOUNT IS fraudulent. PLEASE REMOVE. I AM AN VICTIM OF IDETHEFT, MY PERSONAL INFORMATION HAS BEEN COMPROMISED.

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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
My non public personal information had been shared to a third party. According to the FCRA law section 605B it is illegal to have anything reported on my credit report without my permission.

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 2025-07-11 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: NY

Complaint narrative:
This is not a mistaken submissionmy credit report contains inaccurate information that does not reflect the highest level of accuracy required by law. These discrepancies have been an ongoing burden, negatively impacting my life in significant and painful ways. In times like these, resolving such issues would make a meaningful difference to my well-being.

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 2025-07-11 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
This is the third party collection. I've never signed a contract with these people

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
We have applied for MOD again, they keep denying saying " unable to find credit references '' we escalated what does that mean, they asked to wait for 24-48 hrs, when called again they said that is the only thing they can send and does not even know what does that mean. Bank Of America is wasting my time, they used the deny because i had to apply 1 year after the last MOD, i did now and now they are saying " unable to find credit references ''

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 2025-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MD

Complaint narrative:
I received a text message on XX/XX/year> stating my account had some suspicious activity it said : Chime Alert : We detected a transaction of {$110.00} at XXXX XXXX on XX/XX/year>. 
If you recognize this activity, reply Y. 
If not, reply N immediately. 
Ref # : XXXX I replied saying : N Then received a message stating : A representative will contact you shortly. 
I then received a phone call from someone saying they were a chime representative and that my account had been compromised and they needed to send me out a new card and secure my account. The person whom I thought was a chime representative took some information then explained I would be receiving a new card within 10 to 14 days. We then hung up the phone. About 10 minutes later I received a notification on my phone stating : Solid! Off your money goes to ( XXXX ) XXXX. I was confused because I had not sent any money and I didn't recognize the number. I contacted chime right away and filed a dispute they have denied my dispute twice. I am a single mom and I live pay check to pay check my entire account had been drained and chime refuses refused me even tho I didn't authorize the money transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXX XXXX XXXX XXXX XXXX Account not mine XXXX XXXX XXXX XXXX XXXX Account not mine

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 2025-07-11 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX Account number : XXXX Account name : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: FL

Complaint narrative:
I stayed at XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, FL XXXX for 8 night starting on XX/XX/XXXX, 2025. and experienced serious safety, service, and billing violations. I submitted a charge dispute through Chime with supporting evidence, but it was denied twicedespite clear documentation of hotel misconduct and unsafe conditions. 

Heres what happened : 1. XXXX XXXX  Infestation : I discovered live XXXX XXXX  in the room. I submitted photo evidence of the bites I suffered during the stay, which made it impossible to sleep safely or comfortably.

2. False Advertising & Unsafe Conditions : The room did not match the online photosfurniture and features were completely different. There was also a broken fire alarm, which would go off randomly for 45 minutes at a time, particularly between XXXX XXXX, disrupting my sleep and posing a potential code violation. This was caught on video. 
3. Wifi Misrepresentation : I called the front desk over four times regarding the non-working WiFi, which was included in the listing but never functioned. I even included a video of my confrontation at the front desk in my Chime dispute.

4. Fraudulent Pet Fee Charged on Final Day : After having no pet-related issues or fees during the entire stay, the hotel added a sudden pet fee on the last day, which appears retaliatory or fabricated. I had disclosed my pet at check-in, and the fee was never discussed or listed.

5. After making a new reservation and paying for an additional night, I was repeatedly told by the front desk that I could switch to a new roomsomething that shouldve been guaranteed, especially as a paying guest extending my stay. I packed up my entire room, taking time out of my day, only for the same staff member to suddenly deny the switch without cause, speaking to me dismissively and with clear retaliation, as if I wasnt entitled to basic consumer respect. Not only was I misled, but I was also charged the full nightly rate instead of a lower extended-stay rate, which makes the entire situation even more exploitative.

These are clear violations of : Health and safety standards Deceptive advertising and billing Failure to deliver paid services ( WiFi ) Despite submitting videos, photos, and a timeline to Chime, my dispute was wrongfully denied. I am now escalating to the CFPB to request : A refund of the pet fee at minimum Ideally, a partial or full refund for the stay due to documented unsafe and unsanitary conditions I am happy to provide all evidence again ( photos, videos, Chime communication, receipts ) to support this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I had a Citi AAdvantage Platinum Select Mastercard ( the Card ) which has an annual fee of {$99.00}. 

On XX/XX/year> I called Citi to close the account and cancel the Card prior to the annual renewal fee because I didn't use the Card. The agent I spoke with confirmed that she had closed my account and there was XXXX balance. 

On XX/XX/year>, Citi charged the annual fee ( {$99.00} ) to the Card.

I began receiving bills in the mail for this fee, but assumed it was in error. 

On XX/XX/year> I called Citi again because I continued to receive bills for the renewal fee. The Agent again assured me that the account was closed and said that all fees and interest would be waived/refunded due to their oversight re closing the account. 

I then received another bill for the fee and accrued interest on the fee. 

On XX/XX/year> I called City again to ask why my account had not been canceled and disputed the erroneously charged annual fee and interest. The agents I spoke with ( a woman and then a man identifying himself as " XXXX '' ) both said that they could not help me or waive/refund the fee or interest. When I asked to speak with a manager, XXXX refused and instead offered to schedule a call-back with a next-level agent. I accepted the offer but never received a call back. 

I have tried to resolve this on the Citi website, but there is no way to dispute the charge ( despite instructions to the contrary ), and the chat function is non-functional- it requires a phone call. 

Citi has erroneously and wrongly reported this fee and interest to the credit reporting agencies as unpaid which has damaged my credit. 

Citi has the most deplorable customer service I have ever experienced. I believe they are being incentivized to not cancel accounts- despite explicit and direct requests- in order to continue charging fees and interest.

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 2025-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
I've been a customer with US Bank for several years. On XX/XX/XXXX I was suddenly charged a {$12.00} maintenance fee on XX/XX/year>2025. When I called to complain they said they indicated the new fee rules buried in my monthly account statement. Since I have autopay set up on my account to insure that everything is maintained automatically I don't log in to read those statements on a monthly basis. 

There was no explicit notification sent to us in an email or letter about this new fee. I've requested a refund and they've refused Account number : 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 2025-07-11 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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 TX XXXX INQUIRIES : XXXX XXXX Date : XX/XX/year>25 XXXX XXXX XXXX  XXXX  Date : XX/XX/year>25 XXXX XXXX XXXX Date : XX/XX/year>25 XXXX XXXX XXXX Date : XX/XX/year>25 XXXX XXXXXXXX Date : XX/XX/year>25 XXXX XXXX  Date : XX/XX/year>25 XXXX XXXX XXXX Date : XXXX/XXXX/25

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 2025-07-11 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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 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

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 2025-07-11 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 are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-07-11 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: CA

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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 2025-07-11 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: NY

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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 NY XXXX INQUIRIES : XXXX  XXXX  Date : XXXX/XXXX/2025

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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief