vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 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: NC

Complaint narrative:
Upon reviewing my credit report, I discovered several unauthorized hard inquires that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my report. This issue is causing undue stress and is negatively affecting my financial standing.

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 2025-11-12 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: AL

Complaint narrative:
I am disputing the following accounts on my TransUnion credit report. Please investigate and correct any inaccuracies. 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$780.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} Inquiries : XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2025-11-12 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: GA

Complaint narrative:
I am disputing the following charged off accounts listed with TransUnion. I believe these entries are inaccurate and need to be corrected. 

Charged Off Accounts : XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$7300.00} XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$7000.00} Inquiries : XXXX XXXX M Date Open : XX/XX/XXXX XXXX  Date Open : XX/XX/XXXX XXXX  Date Open : XX/XX/XXXX Positive Accounts : 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

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 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
My debit card was used fraudulently in another country, I provided proof to chime bank that I was in my home town of XXXX California. I provided them with all the information that I had to prove my dispute, I open the dispute XXXX times and each time they denied my claim. A scammer took {$270.00} from me and chime bank will not credit my account because they are saying that they have investigated and found that there was no problem that occurred. But actually there was a problem that occurred, someone used my card fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
TRANSWORLD SYSTEM INC/ is falsely reporting on my credit. I have never had any accounts with them. Per my research TRANSWORLD SYSTEM INC/ is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
on XX/XX/year> I made the last payment on a purchase that I made at Best Buy located in XXXX XXXXXXXX California. On XX/XX/year> someone made XXXX purchases of {$25.00} at a store in Kentucky. I called the number on the back of the Best Buy credit card and spoke to a person in another country. We had some language issues and I don't believe he fully understood the issue. He said that if I had the card I had to pay. I later learned that he had filed the claim as an application fraud. instead of a transaction fraud. I have contacted the fraud unit I contacted the Citi Bank fraud unit on XX/XX/year>, XX/XX/year>, and XX/XX/year>. They usually said that they would reopen the file or resolve the matter in XXXX to XXXX  days. They have not corrected the account and continue to add interest and charges to the account. They have also reported this matter to the credit reporting companies as a past due account which has had an adverse effect on my credit score. These purchases made at a store in the state of Kentucky are NOT mine. This mistake by Citi bank was caused by the person in the Citi Bank fraud unit ( which is located in a foreign country ) mishandling my complaint. I want the charges to be removed from my account and the false information given to the credit bureau be corrected.

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 2025-11-12 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: AL

Complaint narrative:
I am disputing the following charged-off accounts and inquiries on my Experian credit report : Charged-Off Accounts : XXXX  XXXX, XXXX, XX/XX/XXXX, Balance : {$990.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$3000.00} XXXX XXXXXXXX, XXXX, XX/XX/XXXX, Balance : {$1300.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$6300.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$5000.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX XXXX Balance : {$3000.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX, XXXX, XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, Balance : {$3300.00} XXXX XXXXXXXX XXXX XXXX, XX/XX/XXXX, Balance : {$20000.00} XXXX XXXX XXXX  XXXX, XX/XX/XXXX, Balance : {$7900.00} XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX : {$0.00} XXXX, XXXX, XX/XX/XXXX, XXXX : {$600.00} Inquiry Disputes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-11-12 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: NY

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: MIDFIRST BANK
State: TX

Complaint narrative:
Subject : URGENT : Formal Complaint Regarding Missing Domestic Transfer Funds ( {$5000.00} ) Initiated XX/XX/year> Dear Sir/Madam, This email serves as a formal complaint regarding a {$5000.00} US Domestic Transfer that was successfully debited from my originating account but has failed to be credited to the receiving account ( my account as well ) following a bank transition. 
Transaction Details | Missing Amount | {$5000.00} | | Initiation Date | XX/XX/year> | | Originating Bank | XXXX XXXX XXXX  | Originating Account # | [ My XXXX  Account Number ending XXXX | | Receiving Account # | [ XXXX XXXXMidFirst Account XXXX XXXX XXXX | | Receiving Bank ( Original ) | XXXX XXXX XXXX XXXX XXXX XXXX  XXXX | Receiving Bank ( XXXX XXXX XXXX MidFirst Bank ( XXXX XXXX XXXX | Transfer Type ( If known ) | [ Online Transfer ] | Issue & Conflicting Responses As of today, XX/XX/year>, the funds are unaccounted for. The lack of coordination between the involved parties is the direct cause of this unresolved failure : * XXXX XXXX XXXX Confirmed the transaction is complete on their end and the funds were successfully released. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Stated the Texas branch was sold to MidFirst Bank and therefore they can not access the account or investigate. 
* MidFirst Bank : Stated that the $ $ {$5000.00} is not visible or not pending credit in their system. 
The transfer was initiated during the period when the XXXX XXXX branch was being acquired by MidFirst Bank. It is evident that the funds are currently stuck in a suspense or intermediary account due to this transition. One of the three parties is responsible for locating and directing these funds.

Required Resolution I demand immediate, coordinated action to resolve this issue and locate my $ $ {$5000.00}. I require one of the following two outcomes : * Option 1 ( Preferred ) : The funds are immediately credited to my MidFirst Bank account ( formerly XXXXXXXX XXXX XXXX 
* Option XXXX : The transaction is canceled, and the full $ $ {$5000.00} is returned to my originating XXXX account. 

Thank you for your prompt attention to this serious matter. 

Sincerely XXXX 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 explanation
Consumer complaint received 2025-11-12 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
My mortgage servicer is overcharging me approximately {$1000.00} per month due to an escrow error. I have provided all required property tax and insurance documentation multiple times and have also submitted multiple written requests by email for correction. Despite this, the servicer has failed to update the escrow account or provide any meaningful response. When I call, no one is able to fix the issue or escalate it properly. This has resulted in ongoing overpayments and financial hardship. I am requesting that the CFPB review the servicers handling of this matter for potential violations of RESPA ( 12 CFR 1024.35 ), as they have not met their obligation to investigate and correct the documented error. I am seeking immediate correction of the escrow balance and reimbursement for all overcharges.

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 2025-11-12 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-12 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 2025-11-12 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: MS

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: NC

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report. Below are the accounts I am disputing, categorized by the credit bureau. The accounts listed may contain errors in reporting, which I believe may violate my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please find the details of the disputed items below : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$250.00} Discrepancy : This account is inaccurately reported as charged-off. 

XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9900.00} Discrepancy : This account is inaccurately reported as charged-off. 

XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} Discrepancy : This account is inaccurately reported as charged-off. 

XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4100.00} Discrepancy : This account is inaccurately reported as charged-off. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$150.00} Inquiries : Experian ( XXXX ) : XXXX Date of Inquiry : XX/XX/XXXX Late Payments : Experian ( XXXX ) : XXXX XXXX XXXX Account Number : XXXX Discrepancy : Late payment inaccurately reported.

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 2025-11-12 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: NC

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX # XXXX -- -- Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX XXXX  # XXXX -- -- Opened : XX/XX/XXXX XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXXXXXX XXXX # XXXX -- -- Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: AL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute several items on my credit report that are incorrect or incomplete. These disputes pertain to the accounts listed below, and I am requesting a thorough investigation by each credit bureau. I believe the entries in question are inaccurate and fail to meet the standards required by the Fair Credit Reporting Act ( FCRA ) Charged Off Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-11-12 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: UT

Complaint narrative:
I had a credit card with XXXX XXXX and three years ago I started doing XXXXXXXX XXXX  twice a day, which I would have to do every day for the rest of my life. I continue to pay XXXX XXXX as long as I possibly could, and then I contacted XXXX XXXX, letting them know that I would no longer be able to make the payments and they asked me for information as to why I could no longer make the payments I sent them all the documentation that they needed they wrote off my credit card debt. I did not hear anything about it again until recently when someone else bought that debt and then they started calling me numerous times a day early morning, late nights over and over again I would send it to voicemail and they would just hang up and call me back and hang up and call me back so I got to wear. I just would not answer that number Yesterday they decided to send me a message on my sons phone and left details that they were trying to collect a debt from which company they was trying to collect that debt and how much they could give me as a discount if I would contact them. The message was left to me on my sons phone when I contacted the company and told them that they could not be leaving detailed messages like that, I was told we sent it to XXXX and we can send it to your family. Then he continue to try and tell me that they were trying to collect a debt and I hung up on him.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
I am writing in response to a notice I received from your office regarding an alleged debt. Please be advised that I am requesting validation of this debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Company response to consumer: Closed with explanation