vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Date : XX/XX/XXXX To : Consumer Financial Protection Bureau Dear Experian Dispute Department I, XXXX XXXX XXXX, am formally disputing unauthorized hard inquiries listed on my Experian credit report. These inquiries were made without my consent, knowledge, or approval, and are the direct result of identity theft. 

Inquiries in Dispute : XXXX XXXX XXXX  - Date of Inquiry : XX/XX/XXXX XXXX XXXX  XXXX - Date of Inquiry : XX/XX/XXXX XXXX  - Date of Inquiry : XX/XX/XXXX I did not initiate any credit applications with the entities above. I am submitting this complaint along with my official FTC Identity Theft Report, which verifies that I am a victim of identity theft. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), Experian is legally required to block and delete any information resulting from identity theft within XXXX ( XXXX ) business days of receiving appropriate documentation. This includes all related inquiries. I am not requesting validation. I am demanding the immediate and permanent removal of these unauthorized inquiries from my credit report.

FCRA Violations Cited : 15 U.S.C. 1681b ( f ) : No entity may access a consumers credit report without permissible purpose or authorization.

15 U.S.C. 1681c-2 : Requires blocking of all identity-theft-related data upon receipt of documentation.

15 U.S.C. 1681i : Requires deletion of unverifiable or inaccurate data.

Attached Supporting Documents : FTC Identity Theft Report Government-issued photo ID Social Security card Proof of address Please confirm the removal and provide me with an updated copy of my Experian credit report reflecting the deletion. Failure to act will constitute a violation of federal law and will be escalated accordingly. 

Sincerely, 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 explanation
Consumer complaint received 2025-06-06 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within XXXX ( XXXX ) business days from the date of receipt of this letter. Account Name : XXXX XXXX  Account XXXX Account Name : Account Number : Account Name : Account Number Account Name : Account Number : Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Creditor Name : Date : Creditor Name : Inquiry Date : Creditor Name : Inquiry Date : Creditor Name : Inquiry Date : Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. I expect written confirmation by XXXX BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. Thank you for your immediate action to this issue. 

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 explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Complaint # 1 upload ttiled doc 1 says Pay Pal Purchase on XX/XX/XXXX, for {$200.00} yet there is not merchant for the purchase showing on upload dud 1 and also there is no confirmation of the purchase in any of my email boxes nor is there any proof of transaction showing in Pay Pal Transactions history which is upload doc 2, 3 Complaint # 2 The dispute against XXXX was for item not received as promised and I made a good claim that it is true Pay Pal Credit altered my compllaint ( as seen in doc 7 ) by saying there was no billing error. I find dishones to take money form a person that belongs to them. please credit at least the two purchases for {$200.00} each Complaint # 3 unfairly lowered my credit line form {$1400.00} to {$930.00} for fabricated Exceuses of missed payment canceled payment on wallet/ apple pay please do not steal Please be honest?

this is a two part com
plaint with Pay Pal and Pay Pal Credit in two cfpb cases that are currently going on

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 2025-06-06 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:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
3. A full file disclosure. 
4. An itemized statement breaking down the balance you claim I owe. 
5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-06-06 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: NV

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NJ

Complaint narrative:
On XX/XX/year>, my Chime checking account was unexpectedly closed. The account contained a balance of {$5600.00}. I contacted Chime immediately and was told the account was closed due to activity that allegedly violated their Deposit Account Agreement. I was informed that a refund check for the full balance would be mailed within 30 days by XX/XX/year>. 

That same day ( XX/XX/XXXX ), I notified Chime that the address on file was outdated and uploaded address verification documents through the link they provided. I received an email confirmation from XXXX the same day stating I would be contacted within XXXX hours, but no one followed up. I called daily through XX/XX/XXXX, with no resolution. 
On XX/XX/XXXX, I received another email from Chime asking me to confirm the new address again, which I did immediately. They responded with the same account closure message from XX/XX/XXXX and did not confirm whether the check had been re-routed or sent. 
From XX/XX/XXXX to XX/XX/XXXX, I continued to call regularly but was repeatedly told someone would reach out via email. 

On XX/XX/XXXX, I received an email stating my documents had finally been reviewed and that I would be notified when the check was processed even though this was the same week I was supposed to receive it. I kept calling in an effort to track the status of the check. Eventually, on XX/XX/XXXX, I discovered that the check had already been mailed to the wrong ( old ) address and arrived around XX/XX/XXXX but I was never informed. 

On XX/XX/XXXX, I went to my old address and was able to retrieve the check from the current residents. It appeared to be a valid XXXX  XXXX XXXX check. 

I visited XXXX  XXXX XXXX on XX/XX/XXXX but was told the check wasnt showing in their system. I called Chime, who then instructed me to deposit it at XXXX XXXX instead. I opened a XXXX XXXX account and deposited the check on XX/XX/XXXX. I was told funds would be available by XX/XX/XXXX. 

On XX/XX/XXXX, the funds briefly appeared, but XXXX XXXX notified me that the check was returned as altered/fictitious. My new XXXX XXXX account is now negative and incurring fees. 
Despite repeated attempts to resolve this, Chime failed to provide consistent communication or accurate information. I still have not received the {$5600.00} that was in my account at the time it was closed. 
I am requesting :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX I had XXXX money to someone for taking care of my child. Later on my bank sent a notification they had sent it and then they undid the transaction and the person taking care of my son never received the money and my money never came back to my account. We both have been calling multiple times and never getting a response more then we cant do anything about it. So chase canceled the transaction never gave the money to her and I never received the money back. Its been over a week now and still havent received nothing. This is like my XXXX time calling chase just for the same answer in which is we cant do anything sorry .. so now my money is just lost nowhere to be found and Im tired of chasing and finding no conclusion on where my money has disappeared..

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

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX * XXXX * * * * XXXX - XX/XX/XXXX - {$120.00} XXXX  CRD - XXXX * * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$17000.00} XXXX - XXXX * * * * * * * * * XXXX - XX/XX/XXXX - {$3700.00} XXXX  - XXXX * * * XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$5300.00} XXXX  - XXXX * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  - XXXX * * XXXX XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$780.00} XXXX XXXX  - XXXX * * * * * * XXXX - XX/XX/XXXX - {$2100.00} XXXX XXXX  - XXXX * * XXXX XXXX * * * XXXX - XX/XX/XXXX - {$690.00} XXXX XXXX  - XXXX * * XXXX XXXX * * * XXXX - XX/XX/XXXX - {$390.00} XXXX  - XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$990.00} XXXX XXXX XXXX * * * XXXX * XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$210.00} XXXX  - XXXX * * * XXXX * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$680.00} XXXX - XXXX * * * XXXX * * XXXX - XX/XX/XXXX - {$4000.00} XXXX - XXXX * * * * * * XXXX - XX/XX/XXXX - {$3300.00} INQUIRIES : XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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 reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC XXXX to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

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

Complaint narrative:
The presence of this late payment on my account is concerning, as I have consistently paid on time. This inaccuracy is causing undue frustration, and I urge you to correct it by removing the erroneous mark 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 non-monetary relief
Consumer complaint received 2025-06-06 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: EQUIFAX, INC.
State: MI

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: MD

Complaint narrative:
In light of a recent data breach, fraudulent accounts have been added to my credit report. 
Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please remove and block them within 4 days : 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 Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX - Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$990.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} Inquiries XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX Date XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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:
I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX -- {$4200.00} XXXX # XXXX XX/XX/XXXX -- {$3900.00} XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX -- {$7800.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX {$0.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$5000.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$510.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX INQUIRIES : XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: TX

Complaint narrative:
I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by Equifax XXXX XXXX XXXX. Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 
Details of the Complaint : 9. Failure to Ensure Maximum Possible Accuracy The FCRA requires that credit bureaus and creditors ensure the accuracy of the information they report. My credit report contains inaccurate entries from 1 ) -XXXX  XXXX, XXXX ) -XXXX XXXX XXXX remain unverified despite formal disputes, causing significant harm to my credit score and credibility. Previous attempts to address these inaccuracies have been inadequately handled, demonstrating a failure to uphold FCRA standards for accuracy. 
XXXX. Inadequate Investigation and Reliance on Automated Verification Systems Under FCRA, 15 U.S.C. 1681i ( a ) ( 7 ) and 1681s-2, creditors and credit bureaus must conduct thorough investigations of disputed information. However, my previous disputes have been met with automated responses through systems like e-OSCAR, which fail to meet legal requirements for a complete investigation. This approach neglects a comprehensive review of the disputed entries, perpetuating inaccurate information on my report. 
XXXX. Non-Compliance with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate billing statements and disclose essential account information to consumers. Equifax XXXX XXXX XXXX has not adhered to TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with XXXX has compounded the inaccuracies on my credit report, further violating my rights as a consumer. 
XXXX. Violation of FDCPA Standards for Accuracy and Non-Deceptive Practices The FDCPA mandates that debt collectors and furnishers of information must report accurate, verifiable data. The accounts in question have been repeatedly reported inaccurately, with misleading information that has not been corrected despite my disputes, constituting a violation of FDCPA protections.

Company response to consumer: Closed with non-monetary relief