vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 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: RI

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information. These remarks have been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: RI

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: FL

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Chime Financial Inc
State: PA

Complaint narrative:
I filed a dispute with Chime on XX/XX/year>, regarding a couple of transactions for {$1600.00} that I did not authorize. I followed all of Chimes procedures and submitted the necessary documentation. As of today, XX/XX/year>, Chime has not resolved the issue or refunded my money. 

Chimes policy and federal law under the Electronic Fund Transfer Act ( Regulation E ) require that disputes be resolved and provisional credit issued within 10 business days ( or within 45 days if more time is needed ). It has now been well over 45 days, and my account still has not been credited. 

Ive contacted Chime customer service multiple times, only to receive vague and repetitive responses with no action taken. This delay has caused major financial hardship, as I need these funds for basic living expenses. I believe Chime is violating federal consumer protection laws by not acting within the required timeframe and not providing transparency in their dispute process. 

I am requesting that the Consumer Financial Protection Bureau intervene to ensure Chime issues the refund and holds them accountable for their delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
XX/XX/year> I borrowed/was approved for a loan of {$240.00}. I couldn't even tell you how much interest I paid because I'm not sure. This company doesn't allow me to see my payment history or any kept records of interaction between myself and them. What I can tell you is I in total have received {$890.00} from them and I've repaid {$1600.00}! That is {$730.00} more then I received and yet they say my balance owed to them is $ XXXX! I'm no math genius but that's got to be somewhere around 275 % interest and I never agreed to that. I am a mother of XXXXXXXX XXXX XXXX barely able to pay my bills and keep food on the table, I can't keep giving speedy Cash all my money! They took XXXX payments of over {$200.00} in a XXXX hour period from my bank account! ( XX/XX/XXXX and XX/XX/XXXX ) Please help me! I haven't received any money from them since XX/XX/XXXX and that was only {$60.00}. How is this legal!?!?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
On XX/XX/year>, I submitted a certified written dispute to Transworld Systems XXXX regarding a debt from XXXX XXXX XXXX. My letter requested full validation of the debt, including a breakdown of charges and the total amount owed. They received and signed for the letter on XX/XX/year> ( proof attached ). 
The amount currently being reported on my credit is {$6300.00}, but the actual confirmed amount owedaccording to the original creditoris {$4200.00} Despite receiving my dispute, Transworld Systems : -Failed to provide full debt validation -Claimed to have mailed a response to an address I was not staying at -Never corrected the reported balance -Continued to report the incorrect amount to the credit bureaus Additionally, they only marked the account as disputed, but continued to report inaccurate and unverifiable information. This is a violation of : -FDCPA 809 ( b ) Failure to validate debt before continuing collection efforts -FCRA 623 ( a ) ( 1 ) ( A ) Reporting inaccurate information -FCRA 623 ( a ) ( 3 ) Failure to properly update disputed items It has been over 90 days since the dispute was received, and no resolution has occurred. This incorrect reporting is materially impacting my credit and my ability to secure housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: PR

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy of the collection account reported by XXXX XXXX XXXX on my Experian credit report. This account is listed with an original creditor of XXXX XXXX XXXX XXXX and reflects a balance of {$260.00}, reportedly opened on XX/XX/2024. 

Under the Fair Credit Reporting Act ( FCRA ), Section 611 [ 15 U.S.C. 1681i ], I am exercising my legal right to dispute any item that is inaccurate, incomplete, unverifiable, or misleading.

I demand that this account be immediately investigated and deleted based on the following : No proof of debt ownership has been provided. The collection agency must furnish complete documentation including a signed contract or agreement showing I am legally responsible for this debt. 

The account is not verifiable as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). XXXX XXXX XXXX has not met the burden of proof in demonstrating this debts accuracy. 

There is no chain of custody documentation validating the transfer or sale of the alleged debt, which raises serious concerns about its legitimacy. 

Additionally, there are inconsistencies in reporting dates and the balance amount that raise flags under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which mandates maximum possible accuracy.

Given that this account can not be verified with legally required documentation, and considering my rights under federal law, I demand its permanent removal from my Experian credit file within the legally mandated 30-day timeframe.

Please provide the results of your reinvestigation in writing to the address listed above. If this account is not deleted, I am prepared to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further review.

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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy of the collection account reported by XXXX XXXX XXXX on my Experian credit report. This account is listed with an original creditor of XXXX XXXX XXXX XXXX and reflects a balance of {$260.00}, reportedly opened on XX/XX/2024. 

Under the Fair Credit Reporting Act ( FCRA ), Section 611 [ 15 U.S.C. 1681i ], I am exercising my legal right to dispute any item that is inaccurate, incomplete, unverifiable, or misleading.

I demand that this account be immediately investigated and deleted based on the following : No proof of debt ownership has been provided. The collection agency must furnish complete documentation including a signed contract or agreement showing I am legally responsible for this debt. 

The account is not verifiable as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). XXXX XXXX XXXX has not met the burden of proof in demonstrating this debts accuracy. 

There is no chain of custody documentation validating the transfer or sale of the alleged debt, which raises serious concerns about its legitimacy. 

Additionally, there are inconsistencies in reporting dates and the balance amount that raise flags under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which mandates maximum possible accuracy.

Given that this account can not be verified with legally required documentation, and considering my rights under federal law, I demand its permanent removal from my Experian credit file within the legally mandated 30-day timeframe.

Please provide the results of your reinvestigation in writing to the address listed above. If this account is not deleted, I am prepared to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further review.

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance 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 non-monetary relief
Consumer complaint received 2025-06-03 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: IL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: NY

Complaint narrative:
This letter serves as a formal demand for the immediate deletion of fraudulent accounts from my credit report, which were opened without my knowledge or consent. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are required to investigate and remove these inaccuracies within 15 days. Relevant documentation is enclosed to support this request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: LEXISNEXIS
State: TN

Complaint narrative:
I have submitted numerous reports to XXXX  and XXXX  to have XXXX inaccurate accounts removed from my credit report. I have provided identification, 1099c 's, and my own personal letters to the alleged creditors and the credit bureaus to no avail. I STILL have not been provided the PROOF OF VERIFICATION for these accounts. XXXX the listed accounts were removed, but were added back to the credit report without explanation ; 15 USC 1681e ( b ). I have disputed these items through the CFPB several times, but continuously told these inaccurate accounts will remain on my credit report. I am a victim of numerous data breaches and identity theft. These complaints have been filed with the FTC as early as XXXX. All of these accounts have been reported as " charged off '', but I have not received the 1099cs except for the forms I provided. I AM NOT THE SURETY FOR THESE ACCOUNTS! These alleged creditors received full payment for the obligation via investors funds, insurance claims, or government backed securities, yet continue to misrepresent the balances as due and owing pursuant to 12 USC 503 ,18 USC 1005, and 15 USC 1692e.

Violation of TILA, 15 USC 1692g, 15 USC 1601-1667f, UCC 3-603 , 12 USC 1864, 16 CFR 433.2, UCC 3-305, 18 USC 1001, 18 USC 1519 , 18 USC 1341 , 18 USC 1028 , 18 USC 1623 . BANKS CAN NOT LEND MONEY OR CREDIT. 
XXXX XXXX XXXX XXXX XXXX XXXX ( expired XXXX collections license ) XXXX XXXX XXXX XXXX XXXX ( collections are double-dipping accounts )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: WV

Complaint narrative:
Dear Sir/Madam, I am writing to formally file a complaint regarding a {$600.00} promotional offer for opening a Huntington XXXX XXXX Checking account. Despite meeting all stated qualifications, Huntington Bank has refused to honor the bonus, and I have not received any compensation for the inconvenience and financial impact this has caused. 

I received an email from Huntington Bank advertising a {$600.00} bonus for opening a Huntington XXXX XXXX  Checking account and depositing {$25000.00} in new funds. Based on this offer, I visited the Huntington Bank XXXX XXXX XXXX on XXXX XXXX and opened an account ending in XXXX on XX/XX/XXXX. On XX/XX/XXXX, I deposited {$25000.00} in new funds, and I kept the account open for more than 90 days ( XX/XX/XXXX XX/XX/XXXX ), thereby fulfilling all promotional requirements. 

Before opening the account, I specifically confirmed my eligibility for the bonus with Huntington banker XXXX XXXX, who assured me that as long as I deposited {$25000.00} from an external bank, I would receive the {$600.00} promotion. However, I did not receive the bonus after the required XXXX waiting period. 
I contacted multiple Huntington branches for clarification : The XXXX XXXX branch stated they would follow up with me but never did. 
The XXXX branch advised me to return to the XXXX XXXX. 
On XX/XX/XXXX, I visited the XXXX XXXX and attempted to speak with XXXX XXXX. I was eventually referred to another banker, XXXX XXXX, who later informed me via phone that I was ineligible for the bonus because I was an existing customer. 
I escalated the issue to Branch Manager XXXX XXXX XXXX, who upheld the decision and declined to offer any resolution or compensation. 

Had I been correctly informed of my ineligibility before opening the account, I would not have proceeded. Instead, I deposited {$25000.00} for 110 days, earning only {$3.00} in interest, when I could have earned at least {$400.00} in a high-yield savings account elsewhere. Huntington Banks failure to honor its advertised promotion and its miscommunication through its staff has caused me financial loss and wasted time. 

Now, the bank has closed this account without any notification. It seemed they were trying to hide everything, so they closed the account. 

I appreciate your time in reviewing this matter and look forward to your response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
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 you have 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 non-monetary relief
Consumer complaint received 2025-06-03 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: CO

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX  data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: WA

Complaint narrative:
This letter is to notify you that I was a victim of a data breach, and fraudulent accounts now appear on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), I demand blocking and deletion within 4 days : 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 XXXX WA XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX Date : 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 2025-06-03 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: WA

Complaint narrative:
This letter is to notify you that I was a victim of a data breach, and fraudulent accounts now appear on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), I demand blocking and deletion within 4 days : 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 XXXX WA XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX Date : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief