vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 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:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 ( XXXX ) 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: SC

Complaint narrative:
After business hours on Friday, XX/XX/XXXX, I was notified of a substantial drop in XXXX XXXX. 


Monday, XX/XX/XXXX, I discovered that in addition to my many known student loans from another provider ( XXXX XXXX XXXX ), XXXX was delegated XXXX student loan to service for each of the XXXX school years XXXX, XXXX, XXXX and XXXX. 


Immediately, once verifying that I have an additional XXXX loans with XXXX, I XXXX  how to create an online account for XXXX. I created an account for the first time, saw that a payment was due, and paid-in-full all previous amounts due along with the next XXXX statements through XX/XX/XXXX ( {$1800.00} and enrolled in autopay ). 


After creating an account with XXXX on Monday, XX/XX/XXXX, it was discovered that all loan statements were sent via electronic messages to an XXXX in their own online systemimpossible for me to see because the account was not yet registered. No statements were ever sent to a physical address or any phone calls. 
This was confirmed through subsequent calls with XXXX representatives. My XXXX XXXX had dropped by over XXXX points ( XXXX to XXXX ). 


I do not dispute the existence of the XXXX student loans, nor do I dispute my obligation to pay. I dispute the claim I was past due as inaccurate reporting, as I was never provided a due date or even informed of the loans held by XXXX ; XXXX never provided me a statement. 


The attempts to resolve this issue at the lowest level with XXXX for many weeks were met with repeated requests for more information without any further explanation whatsoever on what information was being requested of me. It should be noted there have been no other negative aspects in my credit history, ever. 


I then submitted credit disputes with XXXX XXXX XXXX XXXX  All three disputes ended with the same result. There has been no change to my credit history, and the dispute results say to see comment section. Under the comment section XXXX wrote : none. The disputes did not render a decision in this situation ; it left no comment as to why. I have attached the existing dispute proposal, dispute results, and active credit reports. 


Your assistance in this matter is greatly appreciated as I have exhausted all known remedies to get a response. My career requires me to carry a security clearance, and I have never made a late payment beyond a statement date. Had I been alerted with a statement from XXXX, the payments would have been made and recurring payments would have occurred.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: SC

Complaint narrative:
After business hours on Friday, XX/XX/XXXX, I was notified of a substantial drop in credit score. 


Monday, XX/XX/XXXX, I discovered that in addition to my many known student loans from another provider ( XXXX XXXX XXXX ), XXXX was delegated XXXX student loan to service for each of the XXXX school years XXXX, XXXX, XXXX and XXXX. 


Immediately, once verifying that I have an additional XXXX loans with XXXX, I XXXX  how to create an online account for XXXX. I created an account for the first time, saw that a payment was due, and paid-in-full all previous amounts due along with the next XXXX statements through XX/XX/XXXX ( {$1800.00} and enrolled in autopay ). 


After creating an account with XXXX on Monday, XX/XX/XXXX, it was discovered that all loan statements were sent via electronic messages to an XXXX in their own online systemimpossible for me to see because the account was not yet registered. No statements were ever sent to a physical address or any phone calls. 
This was confirmed through subsequent calls with XXXX representatives. My credit score had dropped by over XXXX points ( XXXX to XXXX ). 


I do not dispute the existence of the XXXX student loans, nor do I dispute my obligation to pay. I dispute the claim I was past due as inaccurate reporting, as I was never provided a due date or even informed of the loans held by XXXX ; XXXX never provided me a statement. 


The attempts to resolve this issue at the lowest level with XXXX for many weeks were met with repeated requests for more information without any further explanation whatsoever on what information was being requested of me. It should be noted there have been no other negative aspects in my credit history, ever. 


I then submitted credit disputes witXXXX XXXX XXXX and Equifax. All three disputes ended with the same result. There has been no change to my credit history, and the dispute results say to see comment section. Under the comment section XXXX wrote : none. The disputes did not render a decision in this situation ; it left no comment as to why. I have attached the existing dispute proposal, dispute results, and active credit reports. 


Your assistance in this matter is greatly appreciated as I have exhausted all known remedies to get a response. My career requires me to carry a security clearance, and I have never made a late payment beyond a statement date. Had I been alerted with a statement from XXXX, the payments would have been made and recurring payments would have occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: MI

Complaint narrative:
After going through my credit profile I realized there were some inquiries that are 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 non-monetary relief
Consumer complaint received 2025-08-26 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. 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. A 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 explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: WI

Complaint narrative:
On XX/XX/year> I had got in contact with a " landlord '' that owns an apartment that I was trying to get a viewing at. As a part of their viewing process, I had to send a {$100.00} ( refundable ) hold on the property to get a viewing and if I chose not to continue with the apartment, it would then be refunded. After sending the {$100.00} on chime ( which they had requested I download in order to send them money ) they then asked for half of the months rent before viewing which was not listed as a step before and is when I then realized it was a scam. I have screenshots of our text messages where he clearly states its refundable, and where I had requested the refund and got no response. 
I attempted to do XXXX disputes through chime which both came back as a refusal to reverse/reimburse the {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is a formal dispute regarding a fraudulent account that has been inaccurately reported under my name. I did not initiate, authorize, or manage this account, and its inclusion is entirely misleading. Such reporting has harmed my financial reputation and created an unjust reflection of my credit history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I am reporting an altered/forged check that my bank, Chase, XXXX from my account. 
On approximately XX/XX/year>, I mailed check # XXXX for {$450.00} payable to XXXX XXXX XXXX  The vendor never received or deposited the check ( verified by calling vendor ). 
Nevertheless, the item posted on XX/XX/year>. Chases check image shows a different payee name ( not my handwriting ) and the back reflects deposit to an unknown account. This indicates payee alteration ( check washing ) and/or forged endorsement. 
I discovered the issue on XX/XX/year> and reported it to Chase on XX/XX/year>. Chase denied my claim solely citing a contractual XXXX notice clause, despite my police report and XXXX XXXX XXXX report XXXX and despite UCC warranties XXXX the depositary bank presents items unaltered. 

I remain liable to my vendor because they were not paid ; I will re-pay them, however XXXX requesting Chase to reverse the fraudulent debit, credit {$450.00} plus any applicable fees/interest, and pursue a warranty claim with the bank of first deposit. I'm also requesting Chase provide the specific clause relied on for the XXXX denial, and the identity of the depositary bank XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-26 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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:
I am writing to express my ongoing concern regarding the unresolved disputed accounts appearing on my credit report. Despite submitting multiple requests and highlighting the inaccuracies in these accounts, no resolution or corrective action has been taken to date. These inaccurate entries are severely impacting my credit standing and creating significant challenges in my daily life. The continued presence of these errors has caused undue hardship, and I am now urging your immediate assistance in resolving this matter. I respectfully request a full and thorough investigation into each disputed account, and that appropriate steps be taken to correct and update my credit report without further delay. 
Accurate reporting is essential to restoring my financial stability, and I sincerely hope you will treat this issue as a priority. Your prompt attention and cooperation in resolving these discrepancies would be greatly appreciated. Thank you for your time and support.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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 writing to formally dispute the presence of an account on my credit report that was opened without my knowledge or consent. This account reflects unauthorized and fraudulent use of my personal information, and I want to make it unequivocally clear that I did not initiate or authorize this account in any way.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
On XX/XX/year>, I purchased a vehicle from XXXX XXXX XXXX XXXX ( IL ) financed through Wells Fargo Dealer Services. After the sale I discovered major issues with my loan paperwork : I was only given Page XXXX and Page XXXX of the Retail Installment Sales Contract ( XXXX ). Page XXXX was missing entirely. 
The dealer later sent me multiple inconsistent versions of the XXXX with altered or mismatched signatures ( some e-sign, some wet ink ), and with my role listed as both Buyer and Co-Signer. 
Approximately {$8000.00} in warranties/add-ons were added without my consent. The dealer later canceled some of these, but I am still being charged for others I never agreed to. 
The dealership also ran at least XXXX hard inquiries on my credit report during this transaction, which has harmed my credit. 

When I contacted Wells Fargo, they told me their lender copy appeared complete, so they could not help. However, what I received as the borrower is incomplete and inconsistent, raising serious concerns about the validity of this contract. 

This dealership has a record of XXXX XXXX  complaints in the last 3 years, showing a pattern of deceptive practices. In addition, Wells Fargo itself has a history of regulatory actions and lawsuits for harming consumers including unauthorized accounts, fraudulent add-ons, unfair overdraft practices, and most recently being sued by the CFPB for XXXX to protect consumers against XXXX fraud XXXX My experience fits this ongoing pattern of abuse, and consumers like me are being left with the financial consequences. 

I am requesting a full investigation, removal of unauthorized add-ons, correction of my loan balance, and review of the excessive credit inquiries.

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 2025-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/XXXX at around XXXX I had received a text message saying if I had made a transaction for {$890.00} at a XXXX XXXX in XXXX XXXX TX XXXX and to reply Y for Yes or XXXX for No. I, in a panic, replied with XXXX. 
Shortly then after I received a call from a Chime XXXX to help keep and protect my funds, or so I thought. 

As the call went on this person asked for my email address, last XXXX digits to my Social Security, and my phone number to see if this was actually my Chime account. They then were guiding me step by step, as if it was protocol, to keep my account safe and secure. They said that they had to close my XXXX XXXX account and move all funds into XXXX solo account, that being the checking account, to reduce risk. Them closing my XXXX XXXX account is what made me believe that this person was actually from Chime Support because theyre actually in my account during the phone call ; not knowing that I had been hacked. They then proceeded to tell me to insert a Reversal Code into the Pay Anyone tab, and send all my funds ( {$1000.00} ) into this secure account that was an AI System XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ) that would then later return me my funds within XXXX hours. And I fell for it. The account would later block me from making any transfer requests. 

The person then asked if my Chime account was connected to any other banks, and they then tried to get me to securely send more money from it. 

After they tried that I quickly called Chime customer support and asked if they had just called me about this faulty transaction ( the one from a XXXX XXXX in XXXX, TX ). They replied with no. So I let them know that I think that I just got scammed. I explained to them all of the above and they didnt believe me at first. Chime XXXX told me that I had requested to close my XXXX XXXX account. I replied with no that wasnt me personally, and that it was the person I just got off the phone with ( scammer ) that said it was a necessary step into securing my account. I filed a dispute [ # XXXX ] with Chime and told them everything that had happened. Chime then stated that theyll start an investigation into my account on the situation and determine whether there was any wrongdoing and if XXXX get a refund for my money back. 

On XX/XX/XXXX I had received an email from Chime, regarding my dispute [ # XXXX ], and they determined that no error occurred. And that my case be considered closed. 

Now XXXX here hoping this can help with me with my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief