vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-27 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: MD

Complaint narrative:
I am formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Enclosed are supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: NC

Complaint narrative:
Multiple dates many different unauthorized transactions with CHIME banking. They deny you very quickly and when you want to know why they cant tell you or send you documentation. They are supposed to reimburse you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: TN

Complaint narrative:
I am submitting this complaint regarding numerous inaccuracies appearing on my Equifax credit report, which are both misleading and harmful to my financial profile. The issues include incorrect account reporting, collections, a repossession, unauthorized inquiries, and inaccurate personal informatioXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$610.00} XXXX XXXX XXXX XXXX XXXX XXXX Payment Status : Current, Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$5300.00XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1400.00} XXXX XXXX XXXXXXXX XXXX Balance Owed XXXX XXXX XXXXXXXX XX/XX/year> I did not authorize this inquiry. 
XXXX, XXXX, XXXX : XXXX XXXX, XXXX, IN XXXX ( FACTUAL DATA XX/XX/year> ) This is not my current or previous address.These inaccuracies violate the Fair Credit Reporting Act ( FCRA ). Specifically:15 U.S.C. 1681e ( b ) requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy.15 U.S.C . 1681i ( a ) ( 1 ) gives me the right to dispute incomplete or inaccurate information and request a reinvestigation.15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers from providing information they know, or should know, is inaccurate. 
These errors negatively affect my creditworthiness, expose me to potential identity confusion, and create an unfair representation of my financial history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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: TN

Complaint narrative:
I am submitting this complaint regarding numerous inaccuracies appearing on my Equifax credit report, which are both misleading and harmful to my financial profile. The issues include incorrect account reporting, collections, a repossession, unauthorized inquiries, and inaccurate personal informatioXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$610.00} XXXX XXXX XXXX XXXX XXXX XXXX Payment Status : Current, Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$5300.00XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1400.00} XXXX XXXX XXXXXXXX XXXX Balance Owed XXXX XXXX XXXXXXXX XX/XX/year> I did not authorize this inquiry. 
XXXX, XXXX, XXXX : XXXX XXXX, XXXX, IN XXXX ( FACTUAL DATA XX/XX/year> ) This is not my current or previous address.These inaccuracies violate the Fair Credit Reporting Act ( FCRA ). Specifically:15 U.S.C. 1681e ( b ) requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy.15 U.S.C . 1681i ( a ) ( 1 ) gives me the right to dispute incomplete or inaccurate information and request a reinvestigation.15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers from providing information they know, or should know, is inaccurate. 
These errors negatively affect my creditworthiness, expose me to potential identity confusion, and create an unfair representation of my financial history.

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 2025-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: CA

Complaint narrative:
Chime bank has partners that offer HIGH INTEREST LOANS. These companies call 7 to 15 times a day, from call centers in other companies. The only way these companies have our phone numbers is CHIME selling our personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file.

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 2025-09-27 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: NY

Complaint narrative:
I am submitting to formally dispute several inquiries that appear on my credit report. Under the Fair Credit Reporting Act ( FCRA 1681b ), credit reporting agencies are only permitted to include inquiries on a consumers file if they were made for a permissible purpose, such as an application for credit, insurance, employment, or with my written consent. The inquiries I am disputing are as follows : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not apply for credit, authorize, or give permission for any of these inquiries to be made. Because these inquiries were not initiated by me and do not fall under any permissible purpose outlined in the FCRA, it is inaccurate and unlawful for them to appear on my file. Additionally, under FCRA 605B ( 15 U.S.C. 1681c-2 ), consumers have the right to request the blocking of information on their credit report that results from unauthorized or fraudulent activity. This provision requires a credit bureau to block such information from future reports once it has been disputed, unless the bureau can verify it with clear evidence. Since I never authorized these inquiries, they must be treated as unauthorized information and are subject to blocking under 605B.

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 2025-09-27 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am once again submitting a formal dispute regarding the continued presence of inaccurate billing information on my credit report. Despite my prior requests, I have identified accounts that are still reporting details that do not properly reflect my true payment history. This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1666, which provides me the right to dispute billing inaccuracies and requires a thorough reinvestigation by the reporting furnisher. Please reinvestigate the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$180000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I am one of two people listed as " POD '' on my deceased cousin 's PNC bank accounts. PNC refuses to release my POD funds unless the other person listed as POD is present. 
Additionally, PNC refuses to show, display, or share their POD policy provisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: TX

Complaint narrative:
I am submitting to formally dispute inaccurate information currently reported on my credit report concerning several accounts listed as late or delinquent. Upon reviewing my file, I discovered that the following accounts are reporting late payments inaccurately, which negatively impacts my creditworthiness and may be inconsistent with reporting from other credit bureaus. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$600.00} XXXXDOFED XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1900.00} XXXX/DOFED XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} These accounts are being reported with late payment notations that I dispute. I have consistently made payments as agreed, and my personal records, as well as information from other credit reporting agencies, do not support the late payment status as reported by your bureau. 
Moreover, if any of these accounts were subject to protections such as forbearance or payment accommodations under applicable laws the late payments should not be reported during those protected periods.

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 2025-09-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting to formally dispute inaccurate information currently reported on my credit report concerning several accounts listed as late or delinquent. Upon reviewing my file, I discovered that the following accounts are reporting late payments inaccurately, which negatively impacts my creditworthiness and may be inconsistent with reporting from other credit bureaus. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$600.00} XXXXDOFED XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1900.00} XXXX/DOFED XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} These accounts are being reported with late payment notations that I dispute. I have consistently made payments as agreed, and my personal records, as well as information from other credit reporting agencies, do not support the late payment status as reported by your bureau. 
Moreover, if any of these accounts were subject to protections such as forbearance or payment accommodations under applicable laws the late payments should not be reported during those protected periods.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: MO

Complaint narrative:
2025 XXXX XXXX said they had already sent the deposit. Chime couldnt explain why it was taking to long and couldnt give an answers about when my refund would be accessible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
On XX/XX/year> I received a letter from National Credit Systems Inc claiming that I had a debt with my previous landlord, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, which they were collecting on. This debt was dated to XX/XX/year>. 

( XXXX XXXX XXXX XXXX XXXXXXXX never contacted me about this debt, or requested that I make it right. They had five months with my new physical address, my phone number, and my email address on file. I previously thought I had a good relationship with this landlord ( paid rent on time, no disputes with neighbors, requested maintenance when appropriate to ensure unit was kept up ). XXXX XXXX also uses an online portal to accept payments, which sends reminders and notifications. I never received any notification from that portal that there was a balance outstanding. ) I wrote back to National Credit Systems Inc with a copy of the original letter and requested validation/verification, specifically : * an itemized list of charges * documentation that I had agreed previously to pay them. 
This response letter was sent via certified mail ( XXXX ) on XX/XX/year>. I received the slip indicating that National Credit Systems Inc had received and signed off on the mail item on XX/XX/year>. 

National Credit Systems has yet to respond to my request for validation/verification. I have sent a second letter, certified mail, requesting the details previously requested, and if no details are to be provided, then to close the account. 

Meanwhile, I disputed this collection with all three credit bureaus. XXXX  has dropped it, but the other two have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation
State: TN

Complaint narrative:
I am filing a follow-up complaint regarding inaccurate reporting on my XXXX  credit file for the account XXXX 

Despite providing proof of payment and filing both a direct dispute with FCRA and a prior CFPB complaint, XXXX  continues to report this account inaccurately as a charge-off with a past-due balance. 

Facts & Timeline : The account was opened XX/XX/XXXX with a credit limit of {$1500.00}. 
XXXX records confirm the final balance of {$210.00} was paid on XX/XX/XXXX. The account is fully satisfied with a {$0.00} balance. 
My XXXX  report ( screenshots attached ) continues to show : Status : Account charged off. {$210.00} written off. {$210.00} past due as of XX/XX/XXXX. 
Payment history : Multiple recent months in XXXX are inaccurately marked as late. 
Comments : Completed investigation of FCRA dispute consumer disagrees. 
This reporting is inaccurate and misleading because the account is paid in full and should be reflected as Closed/Paid, {$0.00} balance, with no past-due. 

Violations of the Fair Credit Reporting Act ( FCRA ) : 1681e ( b ) : XXXX  failed to follow reasonable procedures to assure maximum possible accuracy. 
1681i : XXXX   failed to conduct a reasonable reinvestigation after my dispute, despite receiving documentation. 
1681s-2 ( a ) ( 2 ) : XXXX, as the furnisher, failed to update information to reflect accurate and complete status after payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX, I noticed {$7000.00} was missing from my checking account with Wells Fargo. The charges were made to XXXX online. I did not receive a warning from my bank. Wells Fargo has denied my claim multiple times. Will not give substantial evidence as to why they denied my claim. And the they are now make it impossible for me to file an appeal to RE OPEN my claim so I can retrieve more information. Please see attached photos.

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 2025-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ZIONS BANCORPORATION
State: UT

Complaint narrative:
I took a purchase agreement and business information into Zions Bank where I bank, I had the bank check the company information as well before wiring {$10000.00} to XXXX XXXX XXXX for a XXXX XXXX XXXX. Zions wired the money to XXXX  XXXX, days later I went to the bank again with the fraud claim, I filled out all the required forms and provided the account number and routing number where the money was sent, I filed a police report and an IC 3 the transfer was on XX/XX/year> I didn't hear any kind on of update until XX/XX/year> which was basically told that my money was gone that's it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: PA

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: PA

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file

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 2025-09-27 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: EQUIFAX, INC.
State: IN

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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: MD

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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