vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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 submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within XXXX days of receiving the dispute. 

It has been over XXXX days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: IA

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 2025-11-19 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: PA

Complaint narrative:
I reached out to my mortgage company with a question. In XXXX of XXXX I was having XXXX. According to my Dr I would be out of work. Being concerned about my monthly payments. I then asked if I could have two payments placed at the rear of the loan. the representative proceeded to tell me that I would have to apply through application. I immediately ask would this affect my credit and should I continue to make payments as we go through this process? the representative said no. So he stated the application. 

I informed my husband of the application and he asked me to confirm. 
My husband told me that we will be refinancing and had helped me keep current ignorer for my credit will be sufficient.. 

XX/XX/XXXX I spoke to XXXX representatives XXXXXXXX XXXX  Then I called back and spoke to XXXX XXXX. 
they both told me that there would be no affect to my score and that during this loan process no payment is needed On XX/XX/XXXX I called back and spoke with XXXX XXXX XXXX. I asked how the applicant doing and proceeded to ak the questions again. Will this affect my credit and do I need to make a payment. the answer again was no to both questions. 

XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Sandhyh I was subsequently denied payment due to the fact my balance for the loan balance was XXXX. 
As me and my husband continued to apply for refinance loans we was denied because having missing a payment. I reached out to the research department. Explained that I was given conflicting instruction. 
The research department said that the information reported to the credit reporting agencies was correct. so I then sent a letter in disagreement. 

My husband insisted on making the payments but by me trusting multiple conversations with different representatives they mislead me. please assist

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 2025-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FIRSTBANK
State: CO

Complaint narrative:
I was contacted by someone claiming to be my banks fraud department. They had access to my account, knew all my private information, transaction history, amounts, and claimed my bank was being hit with fraudulent purchases. They said they created a new account and I could XXXX the money to the new account. I transferred roughly XXXX. 

My complaint is they new everything about my account. I asked multiple questions to try and verify the bank. They knew every answer. Pending check numbers, amounts. Somehow they had live access to my account which should be the responsibility of the bank. The bank will not help me with any information about where the money went, account numbers, bank name, customer name I filed a complaint with the bank the next morning, filed a police report, filed with the attorney general, and have tried to get the branch managers to respond but they have not. 

When there is fraud with my bank they always call, and that's what they did this time there was an issue about XXXX years ago. The scammers knew every protocol and procedure of the bank. They knew my card number, expiration date, everything. 

Please I need some help with this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
American Express called me before formally applying for a Platinum Card on XX/XX/XXXX to confirm whether I would receive the {$150.00} Corporate Advantage annual fee credit as a Corporate Card holder. The representative told me I would receive the credit, and that directly influenced my decision to apply. After approval, Amex said the rep was wrong. They reviewed the recorded call and acknowledged the misinformation and gave feedback to the rep but refused to honor the credit, citing that I did not apply through the correct link, even though the representative never disclosed any link requirement. I am requesting that Amex honors the {$150.00} Corporate Advantage annual credit that I was promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I requested via letter for validation of this account, after explaining to said company that I was not the person who opened this account and I was incarcerated at the time of opening. The company failed to respond to the Validation letter. Thereafter, The company denied my allegation stating verified. I then requested the method of verification and the company failed respond. 
After XXXX days, I requested that the delinquent account be removed from my credit report to no avail.

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 2025-11-19 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: NJ

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 2025-11-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Someone used my personal information without my permission to try to open credit accounts in my name. I did not apply for these accounts or authorize any hard inquiries. I first noticed several credit inquiries that I do not recognize from companies I have never contacted. These were not made by me and were done without my knowledge. I am filing this report because these inquiries are fraudulent and I did not give anyone permission to access my credit. I need these unauthorized inquiries and any related accounts removed and blocked

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: SC

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX XXXX XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: KY

Complaint narrative:
WHAT HAPPENED ( FULL STATEMENT TO PASTE ) : My previous CFPB complaint was wrongfully closed even though the credit bureau failed to respond within the statutory FCRA deadline and failed to provide any documentation, validation, or legally sufficient investigation results. 

This is an escalation for enforcement, not merely another dispute.

FCRA DEADLINE VIOLATION / NON-RESPONSE Under FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ) ( A ), a consumer reporting agency must complete a reasonable reinvestigation and either correct or delete the information within XXXX days of receiving notice of my dispute. 

Here is what occurred : I submitted my dispute and the credit bureau received it on [ insert date ]. 

The bureau did not respond within the required XXXX period. 

The CFPB complaint was closed only because the bureau incorrectly marked the item as disputed, which is not corrective action and does NOT satisfy federal law. 

The bureau still has NOT produced : Any documentation Any validation Any Method of Verification Any proof from the furnisher Failure to respond within the XXXX investigation window requires mandatory deletion under FCRA 611 ( a ) ( 5 ) ( A ).

BUREAU MISCONDUCT / FAILURE TO INVESTIGATE The bureau has violated : FCRA 611 ( a ) ( 1 ) ( A ) No reasonable reinvestigation FCRA 611 ( a ) ( 2 ) ( B ) Did not review consumer-provided evidence FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) Failed to provide Method of Verification FCRA 611 ( a ) ( 5 ) ( A ) MUST delete unverifiable information FCRA 607 ( b ) Failed to maintain maximum possible accuracy The bureaus only action was to mark the account as disputed, which is NOT a valid response under the FCRA and does not cure any of its violations.

THE ACCOUNT MUST NOW BE DELETED Because the bureau : Missed the federal deadline, Produced zero documentation, Conducted no reasonable investigation, And allowed the furnisher to avoid validation and continue furnishing inaccurate data, The item is now legally required to be deleted under FCRA 611 ( a ) ( 5 ) ( A ).

HARM / MORTGAGE INTERFERENCE This ongoing reporting is blocking my mortgage approval and causing financial injury.

The bureaus non-compliance has directly harmed me.

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 2025-11-19 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:
I request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached.

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 2025-11-19 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: TX

Complaint narrative:
I am submitting this follow-up complaint regarding fraudulent information on my credit report that remains unresolved, despite my previous complaint filed 30 days ago. I am disputing this information pursuant to 15 U.S.C. 1681c-2 and again request that the fraudulent/unauthorized accounts listed below be blocked or removed immediately. 
I have attached a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
Under 15 U.S.C. 1681c-2, credit reporting agencies are required to block any information identified by the consumer as fraudulent within four ( 4 ) business days of receiving an identity theft report. However, despite my prior complaint and multiple attempts to resolve this issue directly with XXXX XXXX the following fraudulent accounts remain on my credit report : XXXX XXXXXXXX These accounts are fraudulent and must be blocked immediately. The continued presence of these accounts is severely damaging my creditworthiness and is preventing me from purchasing a home and accessing essential financial services to support my family and economic stability. 
I have requested verification and copies of contracts related to these accounts from the reporting company, but after more than 60 days, I have received no response. Additionally, these accounts have been removed by other credit reporting agencies due to lack of verification, yet Transunion continues to report them as mine without proper validation. 
I respectfully urge the CFPB to intervene and ensure that XXXX XXXX complies with federal law by blocking these fraudulent accounts immediately and providing me with confirmation of such action.

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 2025-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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 disputing the following accounts on my Equifax credit report. These entries contain inaccuracies, and I request they be thoroughly investigated and corrected in compliance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts XXXX XXXX XXXX, XX/XX/XXXX, {$2300.00} XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$3700.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$280.00} XXXX, XXXX, XX/XX/XXXX, {$210.00} XXXXXXXX XXXX, XXXX, XX/XX/XXXX, {$210.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Corp Solutions Inc.
State: LA

Complaint narrative:
I disputed this collection over 60 days ago, and CRCORPSOL/Credit Corp or CRAs has not provided ANY validation as required under FDCPA 809 ( b ). I requested : the original signed agreement, complete itemized account ledger, proof of ownership/assignment, date of default, billing statements from the original creditor, and written notices required before reporting to the bureaus. They sent NOTHING. Under FCRA 623, they can not continue reporting without verifying accuracy. They also show duplicate reporting under XXXX different names ( CRCORPSOL and CREDIT COR ) with the same account number, which violates XXXX XXXX. I also received a stall letter from the credit bureaus, not verification. Because the clock expired and because this account is duplicated, inaccurate, and unverified, it must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The account listed on my FTC report is fraudulent and does not belong to me. I do not recognize or authorize this account. I demand you have this removed from my credit report immediately.

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 2025-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
My XXXX account was mistakenly reported for a fraudulent transaction. Through your actions, XXXX has cleared my account and informed my account can be reregisteres. However, my bank, Regions Bank, refuses to allow me to reregister on their site. I've called their corporate office and customer service but they refuse to speak to me about it, nor provide any contact information to escalate internally.

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 2025-11-19 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: MS

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
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IN

Complaint narrative:
On XX/XX/year> my Chime banking account was somehow hacked and {$3400.00} was transferred out of my account via Chime pay anyone transfer before I was able to freeze my card. There were XXXX different transactions, back to back, by different names in the matter of a few hours : XXXX XXXX ( XXXX transfers ), XXXX XXXX. ( XXXX transfers ), XXXX XXXX ( XXXX transfers ), XXXX XXXX. ( XXXX transfers ), XXXX XXXX ( XXXX transfers ) and XXXX XXXX ( XXXX transfer ). I did not approve any of these transfers and have no idea who any of these people are. I only use my chime card to pay my bills, get gas, and occasionally order items from XXXX and XXXX. I don't send money to anyone. 

I contacted Chimes customer service and they said they would investigate it. In the meantime, I went to the police department to try and file a police report. The officer told me I needed a bank statement for them to file a report. I then contacted chime to see about getting a statement, with said transactions on it, and they told me I would have to wait until the beginning of the next month. That is a long time to wait when all of my money has been stolen. 

Today ( XX/XX/year> ) I received an email from Chime saying my dispute has been denied, that they found no error and will not be refunding my money. I do not understand how this could have happened. Chime says they take privacy and security very seriously but clearly that is not the case. How is there no error when you can clearly see on my bank statements this is not my " typical '' account activity. 

I have never, in my life, given out my debit card number/bank account information. I have never given anyone else access to my accounts. I have not lost my phone or my wallet/card. It doesn't make sense that this could have happened. 

I am attaching a photo of some of the transfers. I was able to freeze my account while the last few charges were pending, but they still went out. Chime told me I could not dispute them because they were still pending. The next morning, somehow, they were approved. I did not authorize ANY of these transactions.

Company response to consumer: Closed with monetary relief