vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 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: FL

Complaint narrative:
Upon reviewing my Experian credit report, I was both frustrated and concerned to find multiple hard inquiries listed that I did not authorize or that are inaccurately attributed to me. These inquiries include : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XXXX - XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX The reporting of these inquiries is misleading and damaging. Some of these inquiries appear without my knowledge or consent, creating a false impression that I have been actively seeking credit in ways that I have not. This impacts my creditworthiness, as multiple inquiries can lower my credit scorXXXX and raise concerns with lenders about potential financial instability. 

Under XXXX U.S.C. XXXX and XXXX U.S.C. XXXX, credit reporting agencies are required to maintain accuracy and only report information for which they have proper authorization. Listing inquiries without proper authorization or failing to accurately attribute them to my actions violates these provisions and compromises my rights as a consumer. I have never applied for credit through some of these entities, and yet Experian is publishing them as legitimate inquiries. This is an unacceptable misrepresentation of my credit activity. 

The practical harm is ongoing. Because these inquiries appear on my report, I face unnecessary scrutiny, lower credit scores, and potential denial or unfavorable terms on loans. Each inquiry falsely attributed to me creates stress, embarrassment, and real financial consequences, despite the fact that these actions were not initiated by me.

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 2025-10-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: IA

Complaint narrative:
I signed an apartment lease in XX/XX/XXXX with XXXX XXXX  to start XX/XX/XXXX.. I was still in XXXX XXXX and did not have a job at the time. I didn't really know what I was signing. The lease said I had to provide proof of income and a reservation fee to secure the apartment. I never did this. I received an email requiring this info to keep the spot for the apartment. I received an email XX/XX/XXXX saying if I don't pay the reservation fee, they assume I am no longer interested in the apartment. I assumed this to mean that it was over. Over the phone, they told me it was canceled. I emailed and called multiple times to cancel the lease. We spoke with the manager in XX/XX/XXXX and they would not cancel the lease. We tried to make a deal to cancel out the amount owed which was {$1900.00}. They said they would get back to me. He never did. I have tried numerous times to contact them by phone since XXXX and never got a hold of anyone or called back. The XXXX was usually full and they did not respond to emails. They continued to charge rent and sent me to collections for {$8600.00}. I disputed with XXXX  and they confirmed the amount. The management company has since been sold to another company and they can't be reached by phone.

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

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

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 2025-10-01 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: CA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: CA

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 explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit report shows collection accounts that I believe include inaccurate information. Under XXXX USC XXXX ( b ) and XXXX USC XXXX, I have the right to an accurate and verifiable credit file. I request a thorough investigation of these accounts, and if they can not be confirmed as accurate, they must be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My credit report shows collection accounts that I believe include inaccurate information. Under XXXX USC XXXX ( b ) and XXXX USC XXXX, I have the right to an accurate and verifiable credit file. I request a thorough investigation of these accounts, and if they can not be confirmed as accurate, they must be deleted.

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 2025-10-01 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: LA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: MS

Complaint narrative:
I am formally writing to express my concerns regarding chimes handling of disputes. Particularly in light of the recent cfpd lawsuit highlighting significant issues. Chime failed to investigate my claims adequately!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: AXOS FINANCIAL, INC.
State: PA

Complaint narrative:
Consumer Complaint Summary Axos XXXX I am filing a complaint against Axos XXXX  regarding XXXX unauthorized transaction disputes : Claim # XXXX ( filed XX/XX/year> ) As of XX/XX/year>, more than XXXX month has passed and no resolution has been provided. 

I have followed up with XXXX every XXXX weeks since filing these disputes, but I have received no provisional credit, no written acknowledgment of an extension, and no final determination. 

Under federal law : Regulation XXXX ( XXXX CFR XXXX ) requires banks to resolve unauthorized debit/ACH/ATM disputes within XXXX business days, or issue a provisional credit while extending the investigation. 

Regulation Z ( XXXX CFR XXXX ) requires credit card issuers to acknowledge a billing error dispute within 30 days and resolve it within XXXX  days. 

Axos XXXX  failure to provide provisional credit, timely acknowledgment, or a resolution appears to be a violation of these regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: MS

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 XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-10-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I closed on a home equity loan on XX/XX/year> with Huntington Branch XXXX XXXX XXXX. Documents for the equity loan were printed, signed and notarized on XXXX XXXX XXXX XXXX advised me that she would mail my documents to my home address so that I wouldn't have to leave the office with all of my paperwork in hand. On XXXX XXXXXX/XX/year> I contacted XXXX XXXX via phone to express my concerns for not receiving my documents via mail. She stated not to worry and that she would send them in the mail, I insisted on arriving in person to obtain my documents on XXXX XX/XX/year> in the morning due to my concerns. I arrived at the Huntington Branch on XXXX XXXX XXXX only to find out XXXX XXXX was not at the XXXX. I spoke with another banker this day, who then contacted XXXX XXXX via phone and put the phone on speaker. XXXX XXXX advise that she locked the documents in her desk due to not knowing the time of my arrival and asked what documents I wanted a copy of. I advised all of my documents and those that has my signature, she replied, " you want my documents? '' She then stated that she could give me blank copies without signatures or if I would be comfortable with her emailing my documents. I advised that I wanted documents in my hand this day, the other banker assisted me with what documents she could print. The documents the other banker printed did not include my loan agreement. On XX/XX/year>, I contacted Huntington Bank customer service to file a complaint, to date I'm not sure what the status of my complaint is. On XXXX XXXX I went to another Branch to obtain a copy of my loan agreement but there are documents I still do not possess today. On XXXX XXXXXX/XX/year>, I contacted Huntington Bank customer service again and was advised that my documents will be mailed to me and marked urgent. When is it legal to not provide documents after closing on any loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
There is a bankruptcy entry on my credit report that I believe may be incorrect or can not be verified. In accordance with XXXX USC XXXX ( b ) and XXXX USC XXXX, I have the right to a fully accurate and verifiable credit report. I am requesting a full investigation of this bankruptcy record, and if it can not be properly validated, I ask that it be removed.

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 2025-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: MS

Complaint narrative:
am writing to formally express my concerns regarding chime handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using chime numerous times and reporting discrepancies, my financial institution and chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to dispute inaccurate and inconsistent information reported on my credit report regarding the XXXX  account XXXX XXXXXXXX XXXX XXXX XXXX XXXX  The reported information contains multiple errors : Inconsistent dates ( Date Opened, Last Activity, Last Payment ). 

Conflicting credit limits and high balance data. 

Incorrect payment status and comment reporting. 

Inconsistent delinquency reporting across bureaus. 

I request that you conduct a reinvestigation under the FCRA and remove or correct the inaccurate data. If the data can not be verified, please delete the account entirely. 

Thank you for your prompt attention to this matter.

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 2025-10-01 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 writing to dispute inaccurate and inconsistent information reported on my credit report regarding the XXXX  account XXXX XXXXXXXX XXXX XXXX XXXX XXXX  The reported information contains multiple errors : Inconsistent dates ( Date Opened, Last Activity, Last Payment ). 

Conflicting credit limits and high balance data. 

Incorrect payment status and comment reporting. 

Inconsistent delinquency reporting across bureaus. 

I request that you conduct a reinvestigation under the FCRA and remove or correct the inaccurate data. If the data can not be verified, please delete the account entirely. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There has been fraudulent hard inquires made to my consumer report, there unauthorized charges made to my account

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 2025-10-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
i pulled by report from early warning multiple accounts opened due to idenity theft/data breach. i have yet to receive and update here are the accounts in dispute. i sent in all documents including my ftc report. 

bank of america acct XXXX XXXX XXXX XXXX XXXX XXXX ; bank of america XXXX XXXXXXXX XXXX bank of america XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  all this XXXX is identity theft and are derogatory marks on my credit report. please remove these.

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 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: TomoCredit Inc.
State: PA

Complaint narrative:
I signed up to their XXXX v. IP program or what they call a VIP program. I paid the {$990.00}. Just to find out that they're advertisement, saying you get up to a {$30000.00}. Credit limit is 110 % complete XXXX. Because they don't even offer their credit card anymore. Fraudulent, right there in its own now, they've kept my {$990.00} still closed my account and will not answer me. Or give me my XXXX money back. Still, I'm getting ready to take it physical.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NRA Group, LLC
State: TX

Complaint narrative:
On XX/XX/year> National Recovery Agency reported a medical bill on my credit for {$2200.00}, I have VA XXXX Insurance and they are not to bill me seperately once the VA is involved and now they have submitted to my credit. I have disputed on my credit report. The company that reported it does not contact info to reach them that is valid.

Company response to consumer: Closed with explanation