vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: HI

Complaint narrative:
XXXX the XXXX I checked my email after getting a notification that my account email was changed. while checking email I seen another notification that the there was a new log in dected at XXXX XXXX EST Location XXXX XXXX NC XXXX Ive been living in Hawaii for about 2 years so this didnt make since to me. Through XXXX XXXX XX/XX/XXXX I had no access to my chime account while the transactions were being made. Because I didnt have my ID at the time I couldnt even freeze my account since there was know way of identifying myself. Because of this I am currently very behind on rent and may face eviction if I cant get these fraudulent charges disputed. 
Yesterday XX/XX/year> after my disputes were denied a XXXX time I reopened them again it adding another addition document which was my FTC Identity Theft Report. Today XX/XX/year> I am now being told that my account will be closed tomorrow and after speaking with an account supervisor she told me she does not know the reason for this and that she can not stop it. Chime is in no way working with me to dispute these charges and if anything is protecting the person/people that hacked my account. After gaining access to my account after it was hacked they wouldn't even let me know what the email address the person used was. Transactions totaling in XXXX $ was stollen and not returned back to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
Scotts and Associates withdrew money from my checking account. It have never received notification that I owed anyone a debt. I have never received notice that they issued a judgment. I do not know what they withdrew money from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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 have requested several times for you to reinvestigate and delete disputed item ref : to confirmation XXXX XXXX XXXX ) that were to be reported as Settled. Closed and Discharged from the reporting of the following banking institutions XXXX XXXXXXXX XXXX and XXXX XXXXXXXX XXXX from my credit report and ask numerous times via telephone communication to correct or remove these items from my report. As of this date, you have failed to respond to my request The law stipulates that you must investigate within 30 days of receiving my communication and respond within 5 days of completing your investigation. You have not followed the stipulations of the law. I have suffered damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. Otherwise, I will contact the Federal Trade Commission and advise them of your apparent disregard for consumer protection laws.

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 2025-12-15 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 have requested several times for you to reinvestigate and delete disputed item ref : to confirmation XXXX XXXX XXXX ) that were to be reported as Settled. Closed and Discharged from the reporting of the following banking institutions XXXX XXXXXXXX XXXX and XXXX XXXXXXXX XXXX from my credit report and ask numerous times via telephone communication to correct or remove these items from my report. As of this date, you have failed to respond to my request The law stipulates that you must investigate within 30 days of receiving my communication and respond within 5 days of completing your investigation. You have not followed the stipulations of the law. I have suffered damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. Otherwise, I will contact the Federal Trade Commission and advise them of your apparent disregard for consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
A perrson I thought was friend told me to send money to invest in a XXXX. I kept sending money. When I didnt see result, I asked about it. They blackmailed me saying I have to keep sending money and that they will call FBI to take me away if I dont. I keep sending money until I ran out. Total sent about {$850000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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:
I am submitting this fourth follow-up complaint regarding previously disputed inaccurate, unverifiable, and unauthorized items on my credit reports maintained by Experian and TransUnion. Despite multiple prior communications, several accounts and inquiries remain on my reports, and I am requesting their immediate and permanent removal. 

Specifically, my XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account, inaccurately reported as late closed with a {$0.00} balance in both Experian and TransUnion, must be removed, as it violates FCRA XXXX ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ). Similarly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a {$0.00} balance in both Experian and TransUnion is inaccurate and must be removed under the same statutes. My XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reporting a {$6300.00} balance in both Experian and TransUnion, is also incorrect and must be permanently removed in accordance with FCRA 611 ( a ), 623 ( a ) ( 1 ) ( A ), and 607 ( b ). Additionally, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, reported with {$0.00} balances across Experian and TransUnion, as well as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported with a {$0.00} balance in TransUnion, are inaccurate and require permanent removal under the same laws. 

Further, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  inaccurately reported as charged-off with a {$0.00} balance in TransUnion, XXXX be removed, as it violates FCRA 611 ( a ), 623 ( a ) ( 1 ) ( A ), and 607 ( b ). Unauthorized inquiries, including XXXXXXXX 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 ( XX/XX/XXXX ) in TransUnion, were made without my authorization and must be permanently removed under FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and 604 ( f ) 15 U.S.C. 1681b ( f ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MO

Complaint narrative:
Friday evening I received a email from chime saying that my account was restricted because suspicious activity. I called to see what the problem was and got absolutely no help then was told to wait XXXX hours while they resolved the issue. I received another email Sunday at at XXXX XXXX claiming the restriction had been lifted and I could use my account again. Exactly one minute later at XXXXXXXX XXXX I received another email saying the account was restricted again because suspicious activity! I called immediately to see how this could happen that fast an nobody could give me an answer. I stayed on the phone for over XXXX minutes. They couldnt tell me what transactions were suspicious. I asked what transaction could I have possibly made in that XXXX min they had no answer. I asked could I close my account and get mailed a check because this is a huge inconvenience by it being a week before XXXX and me having to pay bills with that money, I was told it was nothing they could do am I would have to wait another XXXX hours. They cant close they account. I have a rental car linked to that card so now Im not getting my deposit back from the rental company and I cant extend the rental so Im going to be missing work. This is unethical and unacceptable

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-15 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: IL

Complaint narrative:
i reviewed my credit report and noticed fraudulent accounts 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 non-monetary relief
Consumer complaint received 2025-12-15 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:
Good day, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: MI

Complaint narrative:
Good day, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity.

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 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am filing this CFPB complaint pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to formally request that [ transUnion ] block fraudulent information from appearing on my consumer credit report within four ( 4 ) business days of receiving this notice. These fraudulent accounts and inquiries are the direct 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 non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I hope this complaints finds you well. I am writing to formally request the removal of the dispute comments currently listed on my credit report for the following accounts. The dispute notations should be updated to reflect that these accounts are no longer in dispute. The details of the accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2600.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$4000.00}, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance $ XXXXPreviously, these accounts were reported with a notation such as consumer disputes this account, which suggested that there was an unresolved issue with the validity of these debts. However, after further investigation and resolution of the disputes, I am no longer contesting the accuracy or legitimacy of these accounts. As such, the dispute comments are no longer applicable and should be removed from my credit report.

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 2025-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
I need to report this Zelle account phone number to yall ending in is XXXX because she is using the Zelle platform to scam customers and wont send them their order or do their service for them or with them and she is doing fraudulent and is a fraudster and she will blackmail the customers by threatening them and demanding more money and she need her Zelle account blocked or suspended or restricted or banned or terminated or relationship with Zelle ended and cant use his Zelle account phone number or her account phone number or use her Zelle account no more and deactivate it and investigated her and punishment her and take her against her Zelle account and Zelle phone number and revoked her Zelle token so it cant be used again or no more and if her Zelle is linked to her bank account send the complaint and the investigation and report and investigate action and history to her bank too so they can investigate her account and suspend it or restrict it or end her banking account relationship and closed it out as permanent of her Zelle report and complaint action against her and I like to stay anonymous etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony Bank/XXXX offers no interest payment plans for purchases over {$99.00}. Their payment system is flawed and their customer service team is complacent. Payments made are allocated firstly to promo plans with the latest expiration date rather then those with upcoming expiration dates. This appears to be a ploy to push the consumer into situations where interest will accrue. I have reached out via phone XXXX separate occasions to have my payment properly allocated. I have now received my next billing statement meanwhile the previous months payments have not been properly allocated. I have done everything as suggested by their reps, paying via phone versus online and still no resolution. I made a payment on XX/XX/XXXX via phone and provided the payment allocation instructions, it was not done. I called back via phone on XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each call resulting in the false promise that the allocation will be submitted to the back office to be completed. My next due date is approaching on XX/XX/XXXX and still no resolution on XXXX payment

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 2025-12-15 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: MD

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

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 2025-12-15 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: NY

Complaint narrative:
I am submitting this eighth follow-up complaint regarding multiple persistent inaccuracies and inconsistencies on my credit reports across Experian, Equifax, and TransUnion, which continue to violate the Fair Credit Reporting Act ( FCRA 602, 604 ( a ) ( 3 ), 609 ( a ) ( 1 ), 611, 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), 623 ( b ) ) and the Fair Debt Collection Practices Act ( FDCPA 807809 ). Despite repeated attempts to have these errors corrected, the inaccurate reporting remains, and I am requesting the immediate and permanent removal of all erroneous items. 

Experian reports my address incorrectly as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX, TransUnion reports XXXXXXXX XXXX XXXXXXXX XXXX XXXX NJ XXXX XXXX and Equifax reports my name incorrectly as XXXX XXXX XXXXXXXX, all of which misrepresent my personal information and violate my rights under FCRA 609 ( a ) ( 1 ) and 611. The account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reported with conflicting last activity and payment dates : Experian lists XX/XX/XXXX, Equifax lists XX/XX/XXXX, and TransUnion lists XX/XX/XXXX, all showing inconsistent last payments, which violates FCRA 611 and 623 ( a ) ( 1 ) ( A ). 

Additionally, RentRecoverySolutions ( original creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX, reported on Experian with a {$4800.00} balance, does not reflect my actual account history, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows last activity dates of XX/XX/XXXX on Experian and XX/XX/XXXX on TransUnion, further misrepresenting my credit file, violating FCRA 607 ( b ) and 611 ( a ). There is also an unauthorized inquiry from XXXX dated XX/XX/XXXX on Experian, which violates FCRA 604 ( a ) and 604 ( f ).

These inaccuracies have caused significant damage to my creditworthiness, created confusion, and generated a misleading record of my financial behavior. I have attempted to resolve these issues directly with the bureaus under FCRA 611, but proper investigations have not been conducted, and the information remains incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: IL

Complaint narrative:
i recently reviewed my credit and notice fraudulent accounts reporting to my credit.

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My personal information was used without my permission, and fraudulent accounts were opened in my name. Ive taken all the proper steps filed police reports, contacted the credit bureaus, and notified the creditors yet these false accounts remain on my report. Its deeply frustrating and unfair. XXXX simply asking for whats right : to have my identity restored and the inaccurate information removed so I can move forward with my life.

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 2025-12-15 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: SC

Complaint narrative:
I am submitting this follow-up complaint after conducting a thorough review of my credit profile, which has revealed multiple serious discrepancies, errors, and instances of reporting that are inconsistent with my personal financial history. What began as a routine verification of my accounts has revealed information on my credit report that is not mine, including an inaccurate address and multiple unauthorized inquiries. These discrepancies misrepresent my financial behavior and suggest that my personal information may have been misused or incorrectly associated with accounts belonging to another individual. I am formally requesting a full, documented reinvestigation of each inaccuracy described below, invoking my rights under the Fair Credit Reporting Act ( FCRA 1666, 1666a, 611, 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), 623 ( b ) ) and the Fair Debt Collection Practices Act ( FDCPA 807809 ) regarding false, misleading, and unverified debt reporting. 
The first discrepancy is an inaccurate address listed in my file : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, SC XXXX, which I have never lived at, received mail at, or conducted financial transactions associated with. The presence of this address raises concerns that accounts, inquiries, or obligations may have been erroneously or fraudulently attributed to me. This violates FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 5 ), as furnishers are obligated to report accurate identifying information, including addresses and dates of first delinquency. The incorrect address may have caused or contributed to other inaccuracies on my credit file, including unauthorized inquiries and misreported accounts. 
In addition, I have discovered multiple unauthorized hard inquiries associated with this address, including : XXXX XX/XX/year>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 XXXXXXXX. I did not apply for any credit or authorize these inquiries. Reporting these inquiries without consent violates FDCPA 807, 808, and 809, and negatively impacts my credit score, misrepresents my financial behavior, and could imply obligations I have never assumed.

Company response to consumer: Closed with explanation