vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
These actions took place XXXX XXXX XXXX XXXX. 

I was admitted into a mental health facility between those dates. Before I was admitted and my family found me where I was, my wallet had been stolen. As I was admitted into the mental health hospital ( no access to my phone ) my mother seen Chime notifications popping up on my phone of different transactions involving my bank account. Multiple ATM withdraws, gas stations, door dash, liquor stores. My mother tried to call Chime and Inform them of the Matter, they told her they could not lock my card or pause my account because my mothers name wasnt on my account. There was a total of {$3300.00} taken from my daughter and Is mouth and home. I provided my admission and discharge paper work, and also the police report number. I have appealed my declined dispute XXXX times already. They are not in no way helping me and I have been a chime member since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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  ALL MOTORS I XX/XX/XXXX 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-06-04 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XX/XX/year>, I called and spoke with XXXX different representatives one was a supervisor, and the other was a customer service rep. I asked what it says on XX/XX/year>, they stated that they don't see anything on that date. So, I would like to dispute this inquire please

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 2025-06-04 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: OH

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) 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 XXXX US CXXXXe XXXXB 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 ( XXXX ) and the Truth in Lending Act ( XXXX ), 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 2025-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
PayPal had disabled my account in XXXX and both did not allow appeal in the matter but also wouldn't give reason for the closure. In XXXX, after assuming that whatever had probably blown over, I tried to call PayPal and had it explained that they would not allow me to talk to anyone regarding this matter. I asked to speak with a manager and I was told that he could call me back if he felt it was important. He did not call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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:
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 TransUnion XXXX XXXX XXXX XXXX XXXX XXXX Re : 605C Dispute Request for Removal of Fraudulent Information Due to Identity Theft ( XXXX Data Breach ) To Whom It May Concern, I am writing to formally dispute and request the removal of inaccurate and fraudulent information from my credit report, as authorized under Section 605C of the Fair Credit Reporting Act ( FCRA ). I am a victim of identity theft, which I believe is directly related to the XXXX data breach that occurred in XXXX, exposing the sensitive personal information of millions of Americans.Due to this breach, I believe unauthorized accounts and/or inquiries may have been made using my personal information without my knowledge or consent. I am requesting that the following items be investigated and removed from my credit report : [ List each disputed item here, including : 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 Reason for dispute ( e.g., 'This account was fraudulently opened without my authorization.Enclosed Documents : To support my claim and in compliance with the FCRA requirements under Section 605C, I have enclosed the following documentation:1. A copy of a valid government-issued photo ID2. A copy of a recent utility bill or bank statement to verify my address3. A copy of the Identity Theft Report, which includes a police report or FTC Identity Theft AffidavitUnder Section 605C, you are required to block the fraudulent information from appearing on my credit report within XXXX business days of receipt of this request and supporting documentation.Please confirm in writing that you have received this letter and indicate the steps being taken to resolve this matter. If you require any additional information, do not hesitate to contact me at the address or phone number provided above.Thank you for your prompt attention to this serious matter.Sincerely, 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 non-monetary relief
Consumer complaint received 2025-06-04 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: TX

Complaint narrative:
I mailed a debt validation letter to XXXX XXXX regarding an XXXX XXXX account ( last XXXX digits : XXXX ) that appears on my Experian credit report. I sent this letter via certified mail on XX/XX/year>, and it was delivered and picked up at the XXXX XXXX  postal facility on XX/XX/year>, as confirmed by XXXX tracking number XXXX. 

As of today, XX/XX/year>, more than 30 days have passed, and I have received no response, no verification of the alleged debt, nor any documentation that validates their right to report this debt. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of a debt being reported. The companys failure to respond within the required time frame is a direct violation of my consumer rights.

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 2025-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I mailed a debt validation letter to XXXX XXXX regarding an XXXX XXXX account ( last 4 digits : XXXX ) that appears on my XXXX credit report. I sent this letter via certified mail on XX/XX/year>, and it was delivered and picked up at the XXXX, DE XXXX XXXX on XX/XX/year>, as confirmed by USPS tracking number XXXX. 

As of today, XX/XX/year>, more than 30 days have passed, and I have received no response, no verification of the alleged debt, nor any documentation that validates their right to report this debt. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of a debt being reported. The companys failure to respond within the required time frame is a direct violation of my consumer rights.

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 2025-06-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I mailed a debt validation letter to XXXX XXXX regarding an XXXX XXXX account ( last 4 digits : XXXX ) that appears on my Experian credit report. I sent this letter via certified mail on XX/XX/year>, and it was delivered and picked up at the XXXX, DE XXXX XXXX on XX/XX/year>, as confirmed by USPS tracking number XXXX. 

As of today, XX/XX/year>, more than 30 days have passed, and I have received no response, no verification of the alleged debt, nor any documentation that validates their right to report this debt. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of a debt being reported. The companys failure to respond within the required time frame is a direct violation of my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am disputing a dental charge on my Bank of America credit card for implants placed in XXXX and XX/XX/year>. These implants failed three months later, resulting in a serious XXXX, XXXX XXXX, and the removal of another tooth. I did not dispute within the standard time limit because the damage did not present until months later. 

Despite contacting customer service twice and explaining these extenuating medical circumstances, my case was closed without a proper review. I have medical records and dental documentation showing the failure and harm. I am requesting a reconsideration of the dispute based on the delayed onset of complications, which made it impossible to file earlier. 

-- -

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-04 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:
XXXX XXXX, XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-04 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: NC

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 non-monetary relief
Consumer complaint received 2025-06-04 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: NC

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 2025-06-04 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX Email : XXXX [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX Subject : Complaint Regarding Inaccurate Credit Reporting under 15 U.S.C. 1681e ( b ) Dear Sir or Madam, I am writing to formally file a complaint regarding inaccuracies on my credit report. I believe my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), have been violated, as the information being reported is incomplete, inaccurate, and unverifiable.

Under 15 U.S.C. 1681e ( b ), the FCRA mandates that credit reporting agencies ensure the accuracy and completeness of information they report. Unfortunately, I have found the following inaccuracies and discrepancies on my credit report, which I have attached to this letter for your review : Hard Inquiries : [ List of inaccurate hard inquiries ] Inaccurate Addresses : [ List of addresses that should be removed, e.g., XXXX XXXX XXXX XXXX XXXXXXXX, IN XXXX ] Accounts : [ List of incorrect account information, including opened, closed, or status-related discrepancies ] I request that the Consumer Financial Protection Bureau ( CFPB ) review these errors and take appropriate action to ensure that the credit reporting agencies comply with the FCRA 's requirements. 

Additionally, I would appreciate your assistance in ensuring that these inaccuracies are corrected in my credit report and that I receive a notification confirming the amendments once they are made. 

Enclosed with this letter are the following supporting documents : A copy of my credit report highlighting the inaccuracies Any related correspondence or evidence supporting my claim I appreciate your prompt attention to this matter. Please feel free to contact me if you need additional information or documentation. 

Thank you for your time and assistance. 

Sincerely, 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 non-monetary relief