vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc
State: MI

Complaint narrative:
On XX/XX/year> I received a credit and debit card in my name to my address from Chime. There was no mention of any kind of credit limit on the credit card. I have never used Chime and was unaware that these cards were being sent out. I contacted Chimes customer service number. They told me that they would investigate it I told them no and that I want the accounts closed right now and for them to send me an email confirming that the accounts opened in my name have been closed. I am still waiting for the email from Chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: NJ

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

Account Name : XXXX # XXXX -Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: TX

Complaint narrative:
EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS, I GET STRESSED. I WANT THESE TO BE TAKEN OFF FROM MY REPORT IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Collections account from Capital 1 and XXXX XXXX  are not reporting correctly and not showing the same information across all 3 credit bureaus. The derogatory marks as in late payments are inaccurate. Also my payments made were not reported each month. They are in violation of the FCRA, invalid information. I am requesting that the bureaus delete these items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and XXXX XXXX for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-09-09 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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 

I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
On XX/XX/year> I received a notification on my XXXX  account that RADIUS GLOBAL SOLUTIONS LL sent me to collections for the amount of {$340.00} owed to XXXX XXXX. This is a result of fraud and identity theft. The person who opened this account used my Social Security number and fraudulently opened a rental lease in Indiana. I was also sent to collections for the rental debt owed, which I successfully disputed. I have an FTC report along with a police report for this identity theft. I have also sent supporting documents to RADIUS GLOBAL SOLUTIONS after I spoke with them over the phone to have this collections account immediately 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 non-monetary relief
Consumer complaint received 2025-09-09 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: CA

Complaint narrative:
My Chime account, issued by XXXX XXXX XXXX, XXXX, was closed without notice. Chime has refused to release my remaining balance and has not provided a written explanation of the closure. 

I have repeatedly requested both the return of my funds and a specific explanation of the alleged policy violation, but I have not received either. 

I am demanding that Chime and The XXXX XXXX  immediately : Release my remaining balance by check or ACH transfer. 

Provide a written explanation citing the policy/provision allegedly violated and the factual basis for this decision. 

Failure to return consumer funds after account closure violates federal law and is consistent with the CFPBs XX/XX/year> enforcement action against Chime for delayed refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: TX

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: CA

Complaint narrative:
I am filing this complaint against TransUnion for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The account in question is : XXXX XXXX XXXX XXXX XXXX Late Dates XX/XX/XXXX ; XXXX XXXX & XXXX XXXX. These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on this account. The furnishers misreported my payment history to TransUnion, yet TransUnion continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with TransUnion under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. TransUnion failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s 2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believe is inaccurate. Despite this, TransUnions reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

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 2025-09-09 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
On XX/XX/year>, Synchrony Bank closed my account without notice. Since XX/XX/year>, I have requested a new care credit card XXXX times : once in XXXX, once in XXXX, and once this month. Each time I reached out to a customer service agent, they informed me that they sent out a card, but would always state the wrong address on file. The same address was provided to them in writing XXXX times, but somehow was listed incorrectly in their system each time. A week after I requested a new care credit card in XXXX, I received a notification through credit karma stating " a credit grantor has closed your account. '' Synchrony Bank did not provide a written or verbal explanation. I called the customer service line on the same day, and was greeted rudely by a customer service agent. The customer service agent stated the account was closed due to inactivity ( the last time I used the card was in XX/XX/year> ; policy states that the account will likely be closed after 6 months of inactivity ) and also proceeded to list high utilization on the card being another reason why, when I owed no balances at all nor went above the XXXX  % utilization rate within the past year. The customer service agent continued to be dismissive and requested that I speak to Transunion. The agent refused to reopen my account despite the claims and also refused to let me speak to a supervisor. I have all three chat transcripts as proof, as well as the last account balance.

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 2025-09-09 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 complaint to dispute several items on my credit report that I believe are inaccurately reported, unverified, or were listed without my authorization. I respectfully request a thorough investigation and removal of any information that can not be substantiated. 
Some of the accounts listed as late-closed, including XXXX  XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), XXXX XXXX  ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), and XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), all show a XXXX balance. Upon reviewing my records, I believe these accounts may have been reported incorrectly or incompletely. Under FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), and 623 ( a ) ( 2 ) ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ), I have the right to dispute inaccurate or incomplete reporting and ensure my credit file is correct. 
Additionally, there are charge-off accounts reported, including XXXX XXXX XXXX and XXXX XXXX , showing XXXX balances. There is also a XXXX XXXX XXXX account with a balance of {$5600.00} that does not have a proper IRS Form 1099-C filed for debts over {$600.00}. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), and CRA 607 ( b ), I am entitled to dispute unverified debts and request that unverifiable or inaccurately reported charge-offs be removed from my credit report.

My report also contains several inquiries that I did not authorize, including XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX and XX/XX/XXXX ), XXXX ( XX/XX/XXXX and XX/XX/XXXX ), XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX and XX/XX/XXXX ), and XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX  # XXXX ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), and XXXX  ( XX/XX/XXXX ). XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXXXXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), and XXXX XXXX ( XX/XX/XXXX ).. These inquiries violate FCRA 619 ( 15 U.S.C. 1681q ) and FCRA 604 ( a ) ( 15 U.S.C. 1681b ( a ) ), as I never provided consent for these companies to access my credit. They must be fully investigated and removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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:
I am submitting this complaint to dispute several items on my credit report that I believe are inaccurately reported, unverified, or were listed without my authorization. I respectfully request a thorough investigation and removal of any information that can not be substantiated. 
Some of the accounts listed as late-closed, including XXXX  XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), XXXX XXXX  ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), and XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), all show a XXXX balance. Upon reviewing my records, I believe these accounts may have been reported incorrectly or incompletely. Under FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), and 623 ( a ) ( 2 ) ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ), I have the right to dispute inaccurate or incomplete reporting and ensure my credit file is correct. 
Additionally, there are charge-off accounts reported, including XXXX XXXX XXXX and XXXX XXXX , showing XXXX balances. There is also a XXXX XXXX XXXX account with a balance of {$5600.00} that does not have a proper IRS Form 1099-C filed for debts over {$600.00}. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), and CRA 607 ( b ), I am entitled to dispute unverified debts and request that unverifiable or inaccurately reported charge-offs be removed from my credit report.

My report also contains several inquiries that I did not authorize, including XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX and XX/XX/XXXX ), XXXX ( XX/XX/XXXX and XX/XX/XXXX ), XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX and XX/XX/XXXX ), and XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX  # XXXX ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), and XXXX  ( XX/XX/XXXX ). XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXXXXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), and XXXX XXXX ( XX/XX/XXXX ).. These inquiries violate FCRA 619 ( 15 U.S.C. 1681q ) and FCRA 604 ( a ) ( 15 U.S.C. 1681b ( a ) ), as I never provided consent for these companies to access my credit. They must be fully investigated and 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 non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/2025 I had my cash app card and my XXXX phones stolen. My cash app had {$1000.00} in it. Somebody was using my card for 2 days until cash app expected suspension about the activity and closed it I guess. When I called on XX/XX/2025 it had {$680.00} on it. Cash app told me in order to get access to my old account i would have to make a new account and verify my identity so they can link my old account to the new one. I did everything they asked of me. I followed all the steps. Such as, verifying my state I.D, putting in my social security number and also linking a debit card to my account. Cash app said they were going to try to give me temporary access to my old account being that I followed all the steps but then they said they couldnt due to security purposes. Then they said they will try to transfer my balance from my old account to my new account but then said they couldnt due to security purposes. Being that my phones were stolen I cant get into my email thats linked to my cash app because its sending a verification code to the number of my phone that was stolen.. I have filed a complaint to speak to a manager 4 times and nobody havent got back to me yet. Its been a month and a half already. This is very unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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:
Identity Theft Victim - XXXX  Data Breach Impact : Case No. XXXX Experian. XXXX. Consumer Relations Fraudulent Tradelines Resulting from Equifax Data Breach Notice of Legal Presumption of No Debt Pursuant to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. 

I am writing as a direct victim of the catastrophic XXXX Equifax data breach that exposed the sensitive personal information of XXXX XXXX Americans, including myself. This breach has resulted in ongoing identity theft that continues to devastate my financial life. Despite months of documented disputes and compliance with all FCRA protocols, Experian has willfully refused to remove demonstrably fraudulent accounts from my credit report. Federal courts in Georgia have consistently held credit reporting agencies to strict accountability standards : In XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), the court awarded substantial damages where TransUnion failed to properly investigate identity theft disputes XXXX XXXX XXXX  XXXX XXXX ( XXXX XXXX XXXX ) established that superficial investigations constitute willful non-compliance under XXXX XXXX XXXX Experian Information Solutions ( XXXX XXXX XXXX ) confirmed that repeated failures to remove fraudulent accounts after proper notice supports punitive damages Georgia courts have made clear that your pattern of non-compliance constitutes willful violation of federal law. The following fraudulent tradelines MUST BE PERMANENTLY DELETED within XXXX calendar days : XXXX. XXXX XXXX XXXX / Reference # XXXX/ XXXX : {$0.00}/ Filed : XX/XX/XXXX XXXX. XXXX 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 XXXXXX/XX/XXXX Your conduct constitutes both willful and negligent violations under FCRA provisions.

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 2025-09-09 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: TX

Complaint narrative:
Recently checked my credit report and noticed an unauthorized inquiry as well as accounts that i've never had and hadn't been authourized by me. Reached out to try to resolve the issue with all three credit bureaus and have yet to receive any response or resolution. From my understanding the accounts were supposed to be removed within 4 days and it's been WELL over that amount of time and they left me no choice but to file a formal complaint because it's no way that could be legal. This is very frustrating and embarrassing because i'm suffering from things that I didn't authorize. I have attached all supporting documents regarding my claim..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: TX

Complaint narrative:
Recently checked my credit report and noticed an unauthorized inquiry as well as accounts that i've never had and hadn't been authourized by me. Reached out to try to resolve the issue with all three credit bureaus and have yet to receive any response or resolution. From my understanding the accounts were supposed to be removed within 4 days and it's been WELL over that amount of time and they left me no choice but to file a formal complaint because it's no way that could be legal. This is very frustrating and embarrassing because i'm suffering from things that I didn't authorize. I have attached all supporting documents regarding my claim..

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 2025-09-09 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 recently gained access to my credit report and seen some inaccurate items and information. 

Please help me in removing deleting these fraudulent accounts off of my report : XXXX XXXX XXXX * * * * - Date Opened : XX/XX/XXXX - {$1300.00}, XXXX XXXX CO XXXX * * - Date Opened : XX/XX/XXXX - {$0.00} fraudulent inquiries off of my report : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently gained access to my credit report and seen some inaccurate items and information. 

Please help me in removing deleting these fraudulent accounts off of my report : XXXX XXXX XXXX * * * * - Date Opened : XX/XX/XXXX - {$1300.00}, XXXX XXXX CO XXXX * * - Date Opened : XX/XX/XXXX - {$0.00} fraudulent inquiries off of my report : 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 explanation