vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXXXXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
There ia fraudulent and incorrect information in my credit report. I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Over the past XXXX years, XXXX XXXX  has repeatedly and improperly changed the mailing address on my account to that of my ex-spouse without my authorization. This has occurred approximately XXXX to XXXX times, with the most recent incident occurring today. 

Each time, sensitive financial statements have been mailed to the wrong person. In addition, XXXX XXXX  has submitted these unauthorized changes to credit reporting agencies, which has triggered fraud alerts and flags on my credit profile. These disruptions have caused delays in credit approvals, temporary freezes, and repeated hassles with identity verification. 

Each time I contacted XXXX XXXX  customer service to correct the problem, I was told the changes were triggered by a USPS forwarding request. I explained that only I am authorized to update my financial information, and no third party should ever be permitted to modify itregardless of USPS instructions. Despite this, the problem has continued. 

Ive had to spend hours disputing these changes, restoring my correct address, and managing the fallout with the credit bureaus. XXXX XXXX  has not taken accountability and has failed to implement any safeguards. 

This issue has never occurred with any of my other financial institutions, including XXXX XXXX XXXXXXXX, XXXX, or XXXX XXXX. It is unique to XXXX XXXX. 

I have requested the following actions from XXXX XXXX  : Block any future change-of-address requests unless verified directly by me through secure authentication. 

Provide a complete audit trail of all prior address changes. 

Issue written confirmation that no third-party source ( including USPS ) can alter my account profile without my explicit approval. 

To date, these requests have not been fulfilled, and the unauthorized changes continue.

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 2025-08-06 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-08-06 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:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-08-06 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: NY

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-08-06 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: IN

Complaint narrative:
I have recently checked my credit report and noticed multiple inaccurate accounts that do not belong to me, and that are damaging to my character.

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 2025-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I applied for a Citibank credit card and was denied despite having an XXXX  credit score, high income, and low debt. The denial letter stated : We received notification from another Citi business that your relationship with Citi has been reviewed and it was determined that we can no longer service any accounts from you. 

I have not received any further explanation, and there is no way to speak to a representative to clarify the issue. I have no known issues with Citi, and I am not aware of any past accounts with negative activity. I am concerned this may be an error or possibly a case of mistaken identity or fraud flagging. 

I respectfully request a detailed explanation of why I am being denied service by Citi across all accounts, including what specific data or internal policy triggered this decision. If the issue involves any third-party data source ( e.g., XXXX, XXXX, XXXX XXXX XXXX  ), I request that be disclosed as well. 

I am seeking transparency, correction if appropriate, and the ability to reapply or appeal this decision once resolved.

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 2025-08-06 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: TN

Complaint narrative:
Dear TransUnion Dispute Department : I am writing under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, to dispute the accuracy of the reporting of my XXXX XXXX account. According to my enclosed credit reports : XXXX  reports only XXXX late payments, with an update reflecting XX/XX/XXXX. 

TransUnion, in contrast, is reporting XXXX late payments, with activity showing XX/XX/XXXX. 

Because XXXX  is reporting a materially different and more uptodate payment history than TransUnion, I believe TransUnion is in error and is failing to satisfy its FCRA duty to report accurately and consistently. 

Grounds for Dispute : Inconsistent public information : Consumer reporting agencies must ensure maximum possible accuracy. TransUnions reporting conflicts with XXXX, which presumably has the correct creditor-supplied data. 

Failure to properly reinvestigate : Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer notifies a CRA in writing of a dispute, the CRA must promptly conduct a reasonable reinvestigationespecially when another national CRA is reporting materially different information. 

Obligation to consider relevant information : Under 15 U.S.C. 1681i ( d ), TransUnion is required to delete or correct information that it can not verify as accurate, particularly in the face of contradictory data from another CRA. 

Requested Remedies : Please reinvestigate my XXXX XXXX account immediately, including contacting the data furnisher and reviewing the most recent payment history. 

If TransUnion is unable to validate or reconcile the XXXX latepayment history with reliable documentation, you must delete or correct that portion of the record to match XXXX  ( i.e., XXXX late payments, updated XX/XX/XXXX ). 

Provide me a written notice of the results of your reinvestigation, as required by 15 U.S.C. 1681i ( a ) ( 6 ). 

I previously filed a dispute on this item, and TransUnion responded that the account had been verified as accurate. However, you have not provided any documentation or explanation as to how your version of the data differs so substantially from XXXX more recent and materially distinct payment history. Under FCRA you must review this relevant information and correct or delete if you can not validate it. 

I request that this matter be handled immediately and that the corrected report be issued to all entities who have received my TransUnion file in the past XXXX months, as required by 15 U.S.C. 1681i ( a ) ( 5 ). 

Thank you for your prompt attention. Please provide me confirmation in writing within the 30day period provided by statute.

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 2025-08-06 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: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
I applied for XXXX grants when I first started XXXX  in XX/XX/XXXX to see if I would be eligible for any free funding. I didnt notice any funds being approved so I assumed I was ineligible. It was not until 4 years later in XX/XX/XXXX that I was informed I had XXXX student loans to pay and it was passed due. I was under the impression that I paid my tuition through the XXXX XXXX XXXX grants and cash. The cash was refunded but I assumed it was from the XXXX grants covering the whole bill. I worked hard on my XXXX XXXX and got it up to XXXX but the surprise loans tanked it to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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 have several accounts that are reporting late payments, but I made the payments on time. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-08-06 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
There are fraudulent and inaccurate items on my credit report. I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: TRUSTMARK CORPORATION
State: PA

Complaint narrative:
There are fraudulent and inaccurate items on my credit report. I am a victim of identity theft.

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 2025-08-06 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: KY

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : 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 2025-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: CA

Complaint narrative:
Upon retirement I opened a checking account at XXXX XXXX in XXXX. I was instructed by XXXX  that to wire money from my XXXX XXXX XXXXXXXX ( XXXX ) checking account, I should send the wire to Bank of New York Mellon which will be sending my money to my XXXX  account in XXXX, since XXXX and Bank of New Your Mellon had an agreement. This worked fine for about XXXX years. 

Due to a medical emergency, on XX/XX/year>, I wired {$10000.00} dollars from my XXXX account to my account at XXXX XXXX. Since I did not receive the money, XXXX told me they no longer had the agreement with Bank of New York Mellon. I was appalled since XXXX never informed me of this. 
XXXX has submitted XXXX requests ( XX/XX/year>, XX/XX/year> and XX/XX/year> to return the money but no response from Bank of New York Mellon yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NJ

Complaint narrative:
On XX/XX/25, I received a text that stated Chime Fraud : Did you try to use your chime card for {$580.00} at XXXX XXXX  XXXX? Please respond XXXX or XXXX. I responded XXXX, at XXXX. I then received a second text that said Thank you for confirming the transaction. Your card has been blocked. You may receive a call from a specialist to verify this transaction. At XXXX, I received a phone call from a woman named XXXX who claimed to work for Chime. She called from XXXX which is the same phone number on the back of my debit card for Chime support. She asked about the {$580.00} transaction as well as a {$23.00} XXXX purchase and said they both came from XXXX, FL. She also said an XXXX XXXX from XXXX, FL was accessing my account and that I needed to close my account and open a new account. She then read my checking account balance and my savings account balance, both of which were correct to the XXXX. She instructed me to transfer the money from my savings so that I could then transfer it to my new account. After doing that, she told me to transfer to the funds to my new account # XXXX. I got nervous and hung up the phone. I then called Chime at XXXX At XXXX and it said to press XXXX to receive a phone call back to verify my identity. I pressed XXXX and hung up. I received a phone call back from XXXX At XXXX and it was again, XXXX XXXX where she went through the this call my be monitored or recorded for quality assurance purposes script. Thinking this was legitimate since I had just requested the call back from Chime customer support, I went ahead and transferred {$1300.00} to my supposed new account XXXX and notated case Id XXXX as instructed at XXXX. After hanging up with her at XXXX, my balance was still XXXX so I called Chime support again XXXX At XXXX. Again, I pressed XXXX and received a call back at XXXX. That is when I found out it was a scam and I was on the phone with Chime for XXXX minutes to file the dispute. The agent I spoke to that filed my dispute said not to worry and he would help me. He also stated this has been happening to a lot of their customers and they are still trying to figure out how the scammers are accessing account information. Again, the scammer read off my checking account and savings account balance. I did not say them first, she did. After filing the dispute with Chime, I filed a complaint on the FBI website. I then went on to the Chime app and attached screen shots of the phone calls to show them the phone number as well as the fbi report. On XX/XX/25, I received an email that Chime closed my dispute and was not issuing me a refund because they said no error was made. I then filed a complaint with the federal trade commission and now Im filing a complaint with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: NC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$630.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$30.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$210.00} UNAUTHORIZED COLLECTION - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$200.00} UNAUTHORIZED COLLECTION - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$100.00} INQUIRIES : XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am requesting the prompt removal of this erroneous late payment from my account. Given my history of timely payments, this entry is unfair and needs to be corrected immediately.

Company response to consumer: Closed with explanation