vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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:
PLEASE BLOCK AND REMOVE. 
This account is inaccurate and must be eliminated from my record. I never authorized its creation. Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: AR

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-10-02 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: AR

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: LA

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5200.00} XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$460.00} XXXX XXXX  Account NumbeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5200.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : XXXX Email : XXXX Re : Identity Theft Dispute & Demand for Deletion of Fraudulent Accounts Under FCRA 605B, 15 U.S.C. 1681c-2 ; FDCPA ; UCC ; Cease & Desist Dear Credit Bureau , I am a verified victim of identity theft and write to dispute and demand deletion of fraudulent accounts appearing on my credit report. I have attached my FTC Identity Theft Report ( # XXXX ), a copy of my Ohio Drivers License, and supporting evidence.

Pursuant to FCRA Section 605B ( 15 U.S.C. 1681c-2 ), you are required by law to block and delete any information resulting from identity theft within 4 business days of receipt. 
Fraudulent Accounts & Collections to Delete : - XXXX XXXX ( Auto Loan ) {$18000.00} balance ( fraudulent auto loan opened XX/XX/XXXX ) - XXXX XXXX {$1600.00} ( fraudulent, account closed XX/XX/XXXX ) - XXXX XXXX XXXX XXXX XXXX  {$450.00}, fraudulent credit card - XXXX XXXX  {$1600.00} fraudulent credit card - XXXX XXXX XXXX XXXX fraudulent account opened XX/XX/XXXX - Collections : XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX {$800.00} & {$1300.00} XXXX XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX  {$650.00} These accounts were opened without my knowledge or consent and must be permanently removed. 
Legal Basis - FCRA 605B ( 15 U.S.C. 1681c-2 ) : Requires deletion of fraudulent tradelines.

- FCRA 623 ( 15 U.S.C. 1681s-2 ) : Furnishers must report accurately and investigate disputes.

- FDCPA ( 15 U.S.C. 1692c & 1692e ) : Prohibits collection activity on fraudulent debt ; requires cease & desist.

- UCC 1-308 : I reserve all rights without prejudice.

Demands 1. Block and permanently delete all fraudulent accounts listed.

2. Cease and desist from reporting or re-inserting these accounts.

3. Send me written confirmation within 30 days that my file has been corrected.

4. Notify all creditors, lenders, and parties that received the inaccurate report.

Failure to comply will result in complaints to the CFPB, FTC, and State Attorney Generals Office. 
Sincerely, XXXX XXXX XXXX Signature : ________________________ Enclosures : - FTC Identity Theft Report ( # XXXX ) XXXX Without Prejudice

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 2025-10-02 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : XXXX Email : XXXX Re : Identity Theft Dispute & Demand for Deletion of Fraudulent Accounts Under FCRA 605B, 15 U.S.C. 1681c-2 ; FDCPA ; UCC ; Cease & Desist Dear Credit Bureau , I am a verified victim of identity theft and write to dispute and demand deletion of fraudulent accounts appearing on my credit report. I have attached my FTC Identity Theft Report ( # XXXX ), a copy of my Ohio Drivers License, and supporting evidence.

Pursuant to FCRA Section 605B ( 15 U.S.C. 1681c-2 ), you are required by law to block and delete any information resulting from identity theft within 4 business days of receipt. 
Fraudulent Accounts & Collections to Delete : - XXXX XXXX ( Auto Loan ) {$18000.00} balance ( fraudulent auto loan opened XX/XX/XXXX ) - XXXX XXXX {$1600.00} ( fraudulent, account closed XX/XX/XXXX ) - XXXX XXXX XXXX XXXX XXXX  {$450.00}, fraudulent credit card - XXXX XXXX  {$1600.00} fraudulent credit card - XXXX XXXX XXXX XXXX fraudulent account opened XX/XX/XXXX - Collections : XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX {$800.00} & {$1300.00} XXXX XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX  {$650.00} These accounts were opened without my knowledge or consent and must be permanently removed. 
Legal Basis - FCRA 605B ( 15 U.S.C. 1681c-2 ) : Requires deletion of fraudulent tradelines.

- FCRA 623 ( 15 U.S.C. 1681s-2 ) : Furnishers must report accurately and investigate disputes.

- FDCPA ( 15 U.S.C. 1692c & 1692e ) : Prohibits collection activity on fraudulent debt ; requires cease & desist.

- UCC 1-308 : I reserve all rights without prejudice.

Demands 1. Block and permanently delete all fraudulent accounts listed.

2. Cease and desist from reporting or re-inserting these accounts.

3. Send me written confirmation within 30 days that my file has been corrected.

4. Notify all creditors, lenders, and parties that received the inaccurate report.

Failure to comply will result in complaints to the CFPB, FTC, and State Attorney Generals Office. 
Sincerely, XXXX XXXX XXXX Signature : ________________________ Enclosures : - FTC Identity Theft Report ( # XXXX ) XXXX Without Prejudice

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: IN

Complaint narrative:
Chime closed my accounts XX/XX/25. I had roughly {$700.00} in checking and {$40.00} in savings. I contacted support XX/XX/25 to see why my account was closed and how to go about getting a refund. They stated they are not able to tell me why it was closed just that I was out of policy guidelines. They then stated I would not be receiving my money back. I ask why and what to do from here and they stated they couldnt give me more information. I asked to speak with a supervisor and was told the same thing. I recently took out a loan to pay off debts and maybe thats why its out of policy somehow. But they offered me no guidance to provide proof of funds or how to move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-10-02 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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:
Ive noticed that my credit report contains personal information that isnt correct, and because of this, accounts that dont belong to me are showing up. I am a victim of identity theft, and my information was used without my permission. As a result, there are accounts and items listed on my report that I have never been associated with in any way. 

I followed the proper steps by filing an identity theft report with the FTC, as Experian instructed, and I also submitted that report to you. Despite doing this, these fraudulent accounts are still showing on my credit file.

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 2025-10-02 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: NJ

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: LA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS 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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: NY

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: Experian Information Solutions Inc.
State: PA

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 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 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Chime Financial Inc
State: FL

Complaint narrative:
I am writing to formally escalate my complaint regarding Chime XXXX XXXX response to my original CFPB filing on XX/XX/year>, concerning their {$100.00} referral bonus program. I am not at all satisfied with the companys frivolous and dismissive response, dated XX/XX/year>. XXXX  reply completely ignored the central issue I raised : my referred party made repeated, good-faith efforts to fulfill the promotional terms, and only failed to meet the XXXX deadline due to XXXX  own systemic deficiencies in being recognized by payroll providers as a legitimate financial institution. As previously stated, my girlfriend, XXXX XXXX, attempted to set up direct deposit within the XXXX window after opening her Chime account on XX/XX/year>. Her XXXX  department made XXXX separate attempts to process direct deposits into her Chime account, all of which failed because Chime is not recognized by their payroll system. This is not a user error it is a technological and infrastructural limitation of Chime. XXXX reached out to Chime support via email on XX/XX/year> well within the required timeframe and never received a reply. It wasnt until XX/XX/year>, that a portion of her paycheck was finally deposited into her Chime account, conclusively demonstrating she had followed through on her intent to comply with the promotion. XXXX  claim that she did not get a qualifying direct deposit within the XXXX timeframe entirely sidesteps the underlying issue : she attempted to, and only failed because XXXX platform isnt fully compatible with many payroll systems. To make matters worse, when we contacted Chime support by phone on XX/XX/XXXX, we were placed on hold for over an hour, transferred multiple times, and ultimately given a scripted denial that again ignored the context and the facts. This kind of rigid, tone-deaf response is unacceptable from a financial services provider and borders on deceptive advertising. If Chime is unable to support incoming payroll deposits from common XXXX employers, it should not be running referral programs based on conditions it can not reliably fulfill. Promoting this bonus while knowing full well that not all employers will be able to issue valid direct deposits to Chime accounts is at best misleading, and at worst a consumer rights violation. Summary of Complaint Update : Chime failed to acknowledge or address that the referred user made legitimate, repeated attempts to fulfill the bonus terms. The failure to qualify was solely due to XXXX  incompatibility with her employers payroll provider, not a lack of action on our part. Chime failed to respond to a timely XX/XX/XXXX customer service request that could have helped resolve this issue sooner. The companys XX/XX/XXXX response was vague, avoided accountability, and reflects a disregard for consumer experience and fairness.

Company response to consumer: Closed with explanation