vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NJ

Complaint narrative:
On XX/XX/year> I was a victim of a known verification scam on the XXXX app. XXXX deleted the account used on their platform to scam me. This issue has not been resolved. Chime did nothing to research the issue. They did not contact XXXX or XXXX 

I do not have an account on XXXX I did not make this purchase. I did not authorize the use of my card. 

I filed a police report but because XXXX is overseas and XXXX is in XXXX the police said they can not investigate and charge them. 

Again this is a known scam. I never used my card on that platform before. I contacted them myself and they said they have all of these protections in place to avoid fraud. Not true. The person only had my name address and card number, no account on that platform, they didnt have my drivers license, date of birth or social security number. 

Id like my complaint reopened. 

Chime did not contact either company. Number two since I was selling sneakers on the XXXX platform I had a message window with one of their customers open so my ip address would show ; however, XXXX found the user account and delete it. Why didnt chime request that information from XXXX XXXX That would prove I was scammed. They can then ask XXXX to investigate. 

But they are doing nothing so you should not have closed my complaint. 

They did not prove I made that charged My screenshots prove otherwise. What else can I do this is not right. I want to know what my rights are.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: SC

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 explanation
Consumer complaint received 2025-12-05 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: SC

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 explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX  # XXXX -- Balance : {$590.00} - Date Opened : XX/XX/XXXX XXXX XXXX  # XXXX - Date Opened : XX/XX/XXXX XXXX  # XXXX -- Balance : {$240.00} - Date Opened : XX/XX/XXXX XXXX  # XXXX - Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX - Date Opened : XX/XX/XXXX XXXX XXXX  # XXXX -- Balance : {$1500.00} - Date Opened : XX/XX/XXXX XXXX  # XXXX - Date Opened : XX/XX/XXXX XXXX # XXXX -- Balance : {$3700.00} - Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX # XXXX - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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:
My credit report contains multiple entries that are inaccurate, incomplete, outdated, inconsistent across bureaus, or unverifiable under the Fair Credit Reporting Act ( FCRA ). Furnishers have failed to provide proper documentation proving the accuracy and completeness of these accounts, late payments, inquiries, and personal identifiers. 

Several items contain : Conflicting dates Inconsistent payment histories Status codes that differ between bureaus Missing required validation Incorrect personal information tied to accounts Reporting beyond compliance Failure to provide supporting evidence as required under FCRA 602 ( A ), 607 ( b ), 609 ( a ) ( 1 ) ( A ), 611, and 623 ( a ) ( 1 ) ( A ). 


These reporting failures create substantial harm, including inaccurate risk assessment, improper scoring impact, and denial of credit opportunities. The bureaus and furnishers are legally obligated to maintain maximum possible accuracy but have not done so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XX/XX/year> I contacted Syncrony Bank regarding my Lowes credit caes that I paid the balance in full as per account and statement balance. Synchrony Bank chose to add a {$14.00} ( which I have paid ) interest fee on my card that I wasnt aware of because I paid off the card. Not once did they contact me instead they reported it to the credit reporting agencies. I spoke with Syncrony Bank about this and they promised to contact the credit reporting agencies to have it removed. They did not. I have charged thousands of dollars to this card, paid it off swiftly and have never missed a payment to my Lowes credit card. Sycnchrony Bank, in my opinion was being malicious by reporting this small interest amount to the credit bureaus when it was not an actual charge and the statement amount should have suffice since I paid the entire balance off. This has affected my credit score negatively and its not fair. They promised to contact the credit bureaus and did not.

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 2025-12-05 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: TX

Complaint narrative:
Good day, I'm repeating my issue. I sent your company a dispute last month stating the fake accounts in question. There are still phony accounts on my credit report. I have listed the bogus accounts and submitted an FTC report with FTC number XXXX together with my ID and social security, which I will send again.

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 2025-12-05 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: MA

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 explanation
Consumer complaint received 2025-12-05 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: MA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 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: TN

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Army and Air Force Exchange Service
State: CA

Complaint narrative:
I purchased items using my credit card but never received them. The seller refused to issue a refund, and when I contacted my bank, they declined to dispute the charges, stating they were not dealing with the merchant. Now Im stuck with charges on my credit card and no goods in return.

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 2025-12-05 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:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Issue : Continued collection calls and text messages after written cease request I have two Bread Pay loan accounts with Bread Financial ( ending in XXXX and XXXX  ). Between XX/XX/year>XXXX  and XX/XX/year>, I received at least 16 phone calls from Bread Financials automated calling system. Many of these calls disconnect immediately after I answer, indicating the use of a predictive dialer. 

On XXXX XXXX, 2024, I sent Bread Financial a written request asking that all communication be in writing only and that phone calls stop. Despite this request, Bread Financial continued to call my phone. Their written response to me also stated that I must call them to receive assistance, which directly contradicts my request for written communication only. 

After sending a formal cease-and-desist email, I then received a collection text message on XXXX XXXX, 2024, stating : Please call us regarding your account, with payment links included. This occurred after my written demand to stop phone contact. 

The continued phone calls and text messages after my written cease request are unwanted, excessive, and harassing, and I believe they violate the Fair Debt Collection Practices Act ( FDCPA ) and Regulation F, which require debt collectors to honor written requests to stop phone communication. 

I am requesting that Bread Financial : 1. Immediately stop all phone calls and text messages to my number 2. Communicate with me only in writing ( email or mail ) 3. Provide written confirmation that my cease request has been honored 4. Review and correct their collection practices related to excessive calling I have attached screenshots showing the call volume, my written request, their response, and the text message I received after my cease request. 

Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: MI

Complaint narrative:
I am filing this complaint about an unauthorized or questionable hard inquiry placed on my credit report. 

On my credit report, I see a hard inquiry. I do not recall authorizing a hard credit check by this company on that date, and I do not have clear documentation that I gave written or electronic permission for them to pull my full credit report.

Under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681b, a company must have a permissible purpose and my authorization ( in most situations involving new credit applications ) to obtain my consumer report. If there was no permissible purpose or no proper authorization, the inquiry is improper and should not remain on my credit file.

I never gave them permission to run my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
Hello CFPB, My reinstatement amount was {$14000.00}. On XX/XX/year>, I mailed PHH Mortgage {$15000.00} using XXXX XXXX XXXX XXXX  with guaranteed delivery by XX/XX/year>. I acted on time and in good faith to get my package to PHH by the due date of XX/XX/year>. XXXX did not deliver the package until XX/XX/year>, which was a day late and outside of the guaranteed timeframe. This delay was caused solely by XXXX, and not by me. 

Because of the late delivery, the mortgage servicer ( PHH ) and their attorney increased the reinstatement amount by an additional {$4800.00}. I am requesting that PHH honor the original reinstatement amount quoted for XX/XX/year>, and remove the additional fees and charges that resulted only from the carrier ( XXXX ) delay. 

I am attaching : -Proof of the mailing date. 
-XXXX  tracking showing late delivery. 
-The original reinstatement quote. 
-The revised reinstatement amount. 

I am requesting a review and adjustment, as I complied with the reinstatement instructions and should not be penalized for a postal service failure outside of my control. 

I am frustrated with the handling of my mortgage payment. I called PHH mortgage on XX/XX/year>, to provide tracking information so that my account could be updated and to confirm that my payment was sent. Unfortunately, I have been given conflicting information from multiple customer service representatives, which appears to be an attempt to end the call rather than provide accurate assistance. 

I specifically requested callbacks from a member of the leadership team ( Manager, Supervisor, Team Lead ) to obtain reliable information, but to date, no one has returned my calls. One CSR advised to me that my account would be updated on XX/XX/year>, by the end of the business day and to call back before they close at XXXX I called back and my account was not updated. I was told to call back on Monday, XX/XX/year>, and it would be updated, I called and it was not updated or reinstated. I purposedly did not call on XX/XX/XXXX or XX/XX/XXXX allowing PHH to do their due diligence. I called on XX/XX/year> and was told by agent, XXXX & XXXX XXXX that there is a new quote and that an additional {$4800.00} is needed by XX/XX/year>. Throughout this process, I have experienced unfair treatment and a lack of transparency, which has caused unnecessary stress and inconvenience. 

I am requesting immediate attention to my account to ensure my payment of {$15000.00} properly credited and confirmation of the same. I am also requesting a response regarding the actions that will be taken to address the poor service I have received. 

Thank you for your prompt attention to this matter Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation