vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 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: DC

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: AZ

Complaint narrative:
On XX/XX/year>, my Chime account was compromised. I received multiple security emails showing new logins XXXX from XXXX, AZ ( unauthorized ) and another from XXXX XXXX, AZ, which was my legitimate login as I tried to regain access. Shortly after, I received alerts that my email address had been changed from my real address ( XXXX ) to XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, without my authorization. 

Within minutes of the unauthorized login, a {$270.00} XXXX XXXX transfer was sent from my account to XXXX XXXX ( $ XXXX XXXX XXXX I immediately contacted Chime, reported the fraud, and filed a dispute that same night. My access was restored only after verifying my identity and resetting my credentials. 

Despite providing proof of unauthorized access, email change notifications, and login records, Chime denied my dispute twice ( Claim ID XXXX XXXX XXXX XXXX XXXX ), stating no error occurred. I was not provided the documents or evidence used in their decision. 

Under Regulation E, I promptly reported this unauthorized electronic fund transfer, which should have qualified for reimbursement. I am requesting the CFPBs assistance to require Chime to reopen the claim, provide full documentation of their investigation, and reimburse the {$270.00} lost due to this account compromise

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: IL

Complaint narrative:
I did not authorize this inquiry and I did not speak with this lender on the date indicated. Accordingly, I respectfully request that you remove this inquiry from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
My mother and I are joint owners of a Bank of America account. She passed away in XX/XX/2025, and I have tried XXXX times to ask to close the account. I have been promised that it would be, that a letter confirming closure would arrive within XXXX days, that a cashier 's check would arrive within XXXX days, and finally on XX/XX/XXXX that a check would arrive today, Friday, XX/XX/XXXX. This did not happen, leading to my seventh call today. 

Each time, I am told that the account is in the process of being closed. I have asked to elevate my request, but none of the customer service representatives can do so. Thus, now after at least XXXX months, nothing has changed and I have been told the same thing XXXX times. 

In summary, Bank of America will not let me close my account and withdraw my funds. I have never experienced such bureaucracy and unwillingness to comply with my right. The reason I have not gone into a BoA branch is that there are none within a XXXX radius from where I live.

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 2025-10-31 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: SC

Complaint narrative:
I wish to formally clarify that I did not approve this inquiry and I did not engage in any conversation with the referenced lender on the specified date. In light of this, I request that you expedite the removal of this inquiry from my credit report at your earliest convenience.

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 2025-10-31 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: SC

Complaint narrative:
I wish to formally clarify that I did not approve this inquiry and I did not engage in any conversation with the referenced lender on the specified date. In light of this, I request that you expedite the removal of this inquiry from my credit report at your earliest convenience.

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 2025-10-31 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: LA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following accounts and late payments that are inaccurately reported on my Equifax credit report. Please review the details below and make the necessary corrections or deletions. 

Charged Off Accounts : Security Fin Account Number : XXXX Date Opened : XX/XX/year> Balance : {$630.00} Inquiries : None listed for Equifax. 

Late Payment : XXXX XXXX Account XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: CA

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
Consumer complaint received 2025-10-31 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: AL

Complaint narrative:
I am writing to dispute the following accounts, inquiries, and late payments that are inaccurately reported on my TransUnion credit report. Please review the details below and make the necessary corrections or deletions. 

Charged Off Accounts : Security Fin Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} Inquiries : XXXX Date of Inquiry : XX/XX/XXXX Late Payment : Security Fin Account Number : 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 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: Chime Financial Inc
State: TX

Complaint narrative:
I participated in XXXX XXXX : Invite Friends promotion shown in my app in XX/XX/year>. The offer displayed {$400.00} for each successful referral ( and {$100.00} for the referred friend ) with a countdown showing 4 days left as of XX/XX/year> and an expiration of XX/XX/year>. The terms in my app stated I could earn rewards for up to XXXX ( XXXX ) referrals per calendar year. This was confirmed on XX/XX/XXXX with XXXX customer service confirming that I would get {$400.00} up to XXXX people if all requirements were met. 

XXXX referrals completed the requirements so far and the others still have XXXX days to do so. So far the ones that completed all requirements, Chime paid only {$200.00} per referral with the exception of XXXX that did reward me {$400.00}. Now Chime claims the offer was limited to XXXX referral. I have screenshots proving the {$400.00} offer, payment history, and took notes from my calls stating on XX/XX/XXXX the supervisor said they can not provide written confirmation because they are a call-line department. As well, they are denying me from the previously honored agreement per the terms and conditions. 

I am requesting review and correction under the original $ XXXX promotion I was offered and accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: TX

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

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 2025-10-31 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:
Charged-Off Accounts XXXX BANK XXXX Acct XXXX : XXXX Date : XX/XX/year> Balance : {$0.00} XXXX dispute this charged-off account. Please verify with the creditor and remove the account if it can not be fully validated. 

XXXX XXXX inquiries currently listed for dispute. 

Late Payments XXXX  XXXX Acct # : XXXXXXXX XXXX Acct # : XXXX I dispute these late payment entries and request that TransUnion verify XXXX accounts with the original creditors. Any information that can not be verified should be removed from my 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 explanation
Consumer complaint received 2025-10-31 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: NJ

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, Equifax XXXX TransUnion credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-31 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: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
To : Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. Box XXXX XXXX, GA XXXX TransUnion XXXX. XXXX 2000 XXXX, PA XXXX Subject : Formal Dispute Regarding Unauthorized Bank Account Reporting 15 U.S.C. 1681 Dear Credit Bureau Representative, I am writing to file a formal dispute and to demand an investigation into certain bank accounts reported in my credit file that I never authorized or consented to be furnished or obtained.

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., particularly 1681b, a consumer reporting agency may only furnish a consumer report when there is a permissible purpose such as with the consumers written authorization. I have never provided any written consent or authorization for any bank, financial institution, or third party to access or report my personal information to your agency. 

Therefore, I am disputing all reported bank accounts or related records listed on my credit report that were furnished without my express written consent. 

Under my rights granted by the FCRA, I am requesting that you : Conduct a full reinvestigation of all reported bank accounts appearing in my credit file ; Provide the names, addresses, and dates of any financial institutions or furnishers that reported or accessed my information ; Verify that each entity had a lawful permissible purpose under 15 U.S.C. 1681b to obtain or furnish my consumer report ; Immediately delete or block any unverifiable or unauthorized bank account information ; and Send me an updated copy of my corrected credit report once your investigation is complete.

You are required by law to complete your reinvestigation within 30 days of receipt of this letter. If the disputed bank account information can not be verified as accurate or lawfully furnished, it must be deleted from my file immediately under 15 U.S.C. 1681i ( a ) ( 5 ). 

Please confirm in writing that you have received this dispute and outline the steps being taken to investigate and correct my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: CA

Complaint narrative:
I received an alert from TransUnion that I have a delinquent account, stating the following : Reported on XX/XX/XXXX, to TransUnion Account : XXXX XXXX XXXXE Account number : XXXX Amount past due : {$0.00} Status : Late 30 Days Type : Commercial Banks Creditor address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL, XXXX I contacted XXXX XXXX XXXX, and they stated that I do not have any account with them. Furthermore, neither my credit report from Experian nor Equifax is listing the account. However, TransUnion is listing the account as XXXX, the balance is {$0.00}, the original balance is {$210000.00}, opened XX/XX/XXXX, and reported XX/XX/XXXX. 
My question for all of them is : I never opened an account with XXXX XXXX XXXX. Even with the current data ( which is not correct ), the balance is {$0.00}, and I'm late? It does not make any sense ; its illogical. And because of all of this my XXXX XXXX dropped XXXX point in the middle of getting a house equity loan

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 2025-10-31 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX Acct Number # XXXX XXXX XXXX XXXX # XXXX Dept of Ed/Advantage # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department Of education XXXX XXXX XXXX XXXX # XXXX # XXXX # XXXX # XXXX Exeter # XXXX Credit Sys # XXXX XXXX U.S.C. 1681 Section 602 A. States I hae the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) section XXXX : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of informaion, other than records of convictions of crimes which antedates the report by more than XXXX years XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Village Capital & Investment LLC
State: IL

Complaint narrative:
I have been working with this company go through a deed in lieu process. 

They have been incredibly difficult to work with. The process has now been ongoing for months. On XX/XX/XXXX I have signed the initial deed in lieu agreement initiating the process. Regardless, XXXX XXXX has completely refused to stop negative credit reporting even with my full cooperation at every step of the process. 

The transfer date that they have specified is XX/XX/XXXX. It is now XX/XX/XXXX and no final DIL has been sent to me. The appraisal has been completed on XX/XX/XXXX. The representative XXXX XXXX, has been leading me on for now over XXXX weeks claiming the DIL documents are close to being done. During a call today ( XX/XX/XXXX ) a first line representative told me they had to " make some corrections '' to the final agreement once again. They do not care about reporting yet another late payment because of this and claim there is nothing they can do. 

There has been multiple events of incompetence in the process that greatly concern me : XXXX have failed to communicate with the VA XXXX, misrepresenting the property occupancy status. They have been notified in written form the property is vacant and when. They also failed to forward the access instructions to the XXXX so the XXXX had to call me. 

-The representative XXXX XXXX XXXX to my case has told me he does not know how the " cash for keys '' process works and has not done this for a VA XXXX. I do not know why I have been assigned to work with this person given their apperent incompetence. 

- As of today, the VA representative notified me that XXXX XXXX has not submitted the deed in lieu for another pre approval after failing the pre approval ther first time. Apperently pre approval requires a VA appraisal. I do not know why they they have attempted a pre approval initially, without an appraisal. I suspect this contributed to plenty of lost time and loss of credit on my end. 

- They have lied multiple times about callbacks and forced me to loose a lot of time calling them to speak to the first line representatives that generally do nothing. They refused to provide a direct line of communication to XXXX XXXX, not even an email. 


I would also like to be clear that I have provided every single document this company requested. I have asked them numerous times if they need anything for the DIL and have been told no and there is nothing they can do to speed this up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: NY

Complaint narrative:
Charged-Off Accounts XXXX Acct # : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX CARD Acct # : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX  Acct XXXX : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX Acct XXXX : XXXX Date : XX/XX/XXXX Balance : {$1500.00} XXXX dispute these charged-off accounts. Please verify with the creditors and remove any accounts that can not be fully validated. 

XXXX XXXX inquiries currently listed for dispute. 

Late Payments No late payments currently listed for dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the following information that appears on my Experian credit report. The details provided below are inaccurate and I request that Experian investigate and correct these entries in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Dispute : The account is reported as charged off, but the balance reflects {$0.00}. I request that Experian verify the accuracy of this report or provide supporting documentation. If the account is incorrectly reported, I request that it be corrected or removed. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$21000.00} Dispute : The balance and date opened for this account appear to be incorrect. I request a complete review and correction of the balance and dates provided. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} Dispute : This account has discrepancies in the date opened and the balance. Please confirm and correct this information, including verifying whether the reported balance is accurate. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00} Dispute : I request a validation of the balance on this account. The amount listed does not seem accurate, and I would like confirmation of the actual balance. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} Dispute : This account XXXX have been inaccurately reported as charged off. Requesting a complete review.

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