vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes.

Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] FCRA SECTI

ON 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C. 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: NY

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I have a citi bank master card which had a fraudulent purchase on it. The company rectified the purchase and sent me another card this was at the end of XXXX. The problem is that on my credit report the balance of the fraudulent card which was transferred to the new card is still appearing along with the balance of the new card showing as if I have two credit card accounts The company shows a XXXX balance on the old card and states that my credit report will be updated to reflect the same thing in XXXX. When this did not happen I contacted the company again and they state it will fall off in XXXX now. I contacted XXXX  and they stated to contact citi bank to send them a letter to that effect. I contacted XXXX  who referred me to their security department which is an IVR and would not let me speak to a live person. I have contacted Citi bank 3 times with no resolution.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
Greetings CFPB Team For the past year, I, XXXX XXXX, have been disputing the XXXX XXXXXXXX XXXX account number XXXX. 

On XX/XX/year>, I requested that this company provide me with the contract I signed with them. I am sharing the certified mail card, postmarked XXXX, signed by someone named XXXX XXXX. 

They replied that they were not authorized to send any contract. I understand this is a way to delay the verification process, to see if I give up and withdraw. This is how this company operates. 

They had an excellent opportunity to present me with that contract, but they don't have it. They have no evidence whatsoever that this account belongs to me. 

When one encounters TransUnion with its infamous E.oscar and the XXXX XXXX XXXX XXXX, which was invented to deliver canned responses without any verification, it's very sad for the consumer when a company puts information on their credit report without any evidence. 

It's more than proven that I am not legally the owner of this PR XXXX XXXX XXXX account. I want it removed from my TransUnion credit report.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
Im filing this complaint because there are accounts and addresses on my credit reports that do not belong to me, and I recently learned that my personal information was exposed in multiple data breaches. I had no idea my information had been compromised until I started seeing accounts and addresses tied to me that Ive never had any connection to. This has been overwhelming and honestly scary because it feels like Im dealing with the fallout of something I didnt cause. 

There is a XXXX account ending in XXXX XXXX XXXX XXXX XXXX  and a XXXX XXXX  XXXX account ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  showing up as if I opened them. I never applied for these accounts, never used them, and never received any communication about them. The activity and addresses linked to these accounts do not match my life in any way. These items have already damaged my credit and created unnecessary stress when trying to verify my identity or apply for legitimate credit. 

On top of that, two addresses Ive never lived at XXXX XXXX XXXX and XXXX XXXX XXXX were added to my credit file. I have no relationship to these locations, but they suddenly appeared after the data breaches that exposed my information. It feels clear that whoever got access to my information used it to open or attempt to use accounts and attach false addresses that have now ended up on my reports. 

I filed an identity theft report, and under FCRA 605B, these fraudulent accounts and false addresses should be blocked and removed because they came from unauthorized use of my personal information. Under FCRA 605C, they should not be reinserted unless the bureaus get proper certification, and under FCRA 609 ( e ), Im requesting any documents, applications, signatures, or records the furnishers relied on because none of this belongs to me. 

To prove my identity clearly, I will be attaching my government-issued ID, my Social Security documentation , and two proofs of my actual address. I just want the information that isnt mine removed so I can move forward without being blamed for something caused by data breaches and identity theft. 

This whole situation has been extremely frustrating, and I am trying to do everything the right way. I did not open these accounts, I did not authorize anyone to use my information, and the addresses are not connected to me at all. Im asking for help to get these fraudulent items taken off my credit reports so I can finally regain control over my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
Im filing this complaint because there are accounts and addresses on my credit reports that do not belong to me, and I recently learned that my personal information was exposed in multiple data breaches. I had no idea my information had been compromised until I started seeing accounts and addresses tied to me that Ive never had any connection to. This has been overwhelming and honestly scary because it feels like Im dealing with the fallout of something I didnt cause. 

There is a XXXX account ending in XXXX XXXX XXXX XXXX XXXX  and a XXXX XXXX  XXXX account ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  showing up as if I opened them. I never applied for these accounts, never used them, and never received any communication about them. The activity and addresses linked to these accounts do not match my life in any way. These items have already damaged my credit and created unnecessary stress when trying to verify my identity or apply for legitimate credit. 

On top of that, two addresses Ive never lived at XXXX XXXX XXXX and XXXX XXXX XXXX were added to my credit file. I have no relationship to these locations, but they suddenly appeared after the data breaches that exposed my information. It feels clear that whoever got access to my information used it to open or attempt to use accounts and attach false addresses that have now ended up on my reports. 

I filed an identity theft report, and under FCRA 605B, these fraudulent accounts and false addresses should be blocked and removed because they came from unauthorized use of my personal information. Under FCRA 605C, they should not be reinserted unless the bureaus get proper certification, and under FCRA 609 ( e ), Im requesting any documents, applications, signatures, or records the furnishers relied on because none of this belongs to me. 

To prove my identity clearly, I will be attaching my government-issued ID, my Social Security documentation , and two proofs of my actual address. I just want the information that isnt mine removed so I can move forward without being blamed for something caused by data breaches and identity theft. 

This whole situation has been extremely frustrating, and I am trying to do everything the right way. I did not open these accounts, I did not authorize anyone to use my information, and the addresses are not connected to me at all. Im asking for help to get these fraudulent items taken off my credit reports so I can finally regain control over my identity.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this statement to request an investigation and removal of the following inaccuracies from my credit report. The accounts listed below are disputed across three major credit bureaus : XXXX ( XXXX ), XXXX ( XXXX ), and TransUnion ( TU ). The discrepancies in my credit report are impacting my creditworthiness and need to be addressed. 

Charged Off Accounts XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/year>, Balance : {$150.00} Inquiries XXXXXXXX XXXX Date : XX/XX/year> XXXXXXXX XXXX, Date : XX/XX/year> Late Payments XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: SC

Complaint narrative:
I am filing a complaint regarding Chime and their failure to properly investigate and resolve multiple attempts to dispute an account takeover that resulted in unauthorized withdrawals and transfers in the amount of XXXX on XX/XX/XXXX. My Chime account was takeover by unknown individuals I do not know. At around XXXX XXXX XXXX phones have gained access to my account and turned off my notifications to my phone as the hacked my account and drained it. In a XXXX hour span they performed XXXX rapid transfers out of my account. There is also XXXX additional failed attempts to transfer money from my account. I discovered the theft when I tried to make a purchase with my card and it was declined. I checked the Chime app and saw I was kicked out and had to relog in via email link. When I saw my account empty, I contacted Chime right away to report the theft. Since then, I have submitted a police report, Screenshots of the XXXX new phones that logged into my account, proof of having to sign back in to my account and all other evidence requested and still get denied. I have opened XXXX disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, and now on XX/XX/XXXX. The dispute # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2025-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: ME

Complaint narrative:
I sent a payment via XXXX on XX/XX/year>. They froze the recipients XXXX account and emailed that they were refunding me the {$450.00} payment. I sent a complaint via this website and their response provided XXXX answers. They said in their complaint response that they never said the money would be refunded, I attached the email from XXXX and they indicated they never received nor did they acknowledge that they did, in fact, say they were returning the money to my account, as STATED IN THEIR LETTER, WHICH I AM ATTACHING, AGAIN. THEIR RESP0NSES ARE GENERIC AND DO NOT RESPOND ACCURATELY TO THE COMPLAINT NOR DOES XXXX ACKNOWLEDGE THAT THEY DID STATE A REFUND OF {$450.00} WAS BEING RETURNED TO ME, SINCE THEY PERMANENTLY CLOSED THE RECIPIENTS XXXX ACCOUNT. I want a detailed response that addresses their promise of a refund and where those funds are currently. The case number associated with this issue is XXXX XXXX ref # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: OK

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
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 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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These inquiries appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST CITIZENS BANCSHARES, INC.
State: FL

Complaint narrative:
My bank is an online bank. CIT bank. I was having trouble logging in. I had done an online transfer for an account verified with my bank on approx XXXX XXXX, XXXX. On XXXX XXXX XXXX received an email.stating I could no longer make transfers with my accounts ( I have XXXX ). No reason given. I called and was told my accounts were being investigated by the fraud division and the person I was speaking to could give me no information. I asked to speak to the fraud division and was told they do not accept calls. I explained I am a senior citizen XXXX XXXX XXXX. I live on a fixed income, social security and those accounts are the only way I pay my bills. As of right now, I am completely broke and have no way to pay my rent or bills for XXXX. My social security goes entirely for Healthcare costs.The woman said she would send an email to the fraud division to have them contact me. They never did. I was never given any information about why my accounts have been frozen, how long they will be frozen. Nothing. I have no money right now! I contacted the FDIC and was told it could take XXXX months to investigate. I will be homeless by then. I desperately need help! As soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: CA

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 2025-12-09 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: TX

Complaint narrative:
Please rectify the overdue payment indicated on my account, as I have always made timely payments and have diligently maintained this record. Enclosed are the relevant documents for your review.

Company response to consumer: Closed with non-monetary relief