vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-04 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: TX

Complaint narrative:
I was XXXX  and XXXX  and my phone purse and wallet were stolen. My Chime account was taken for almost {$8000.00}. 
I provided Chime with the Police report as well as documentation from my hospital stays but they still refuse to give me my money back and now they keep allowing other unauthorized transactions to my account even though I have gotten new cards and keep them locked. They also keep taking money out for mypay repayment when I don't have it and when I attempt to contact them, they leave me on hold and the recording says I have called at a busy time and it will be sometimes as long as 90 minutes holding time before an agent can help me and when they get on the phone they place me on hold again for a member services agent and usually it hangs up after several minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX 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 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 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 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 2025-08-04 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: CT

Complaint narrative:
XXXX mths ago I needed to open a bank account that was time sensitive because I received social security and I had to Open another account. Right away so I would get my check at the end of the month because sometimes it takes up to XXXX mths to reroute. So I opened a chase sccount .. XXXX  days later I get a letter in the mail supposedly from Chase that they closed my account because of my XXXX XXXX I panicked and ran out that day and opened another account and had to deal with SS on the phone at least XXXX times then I go into XXXX  to show them the letter they tell me that was fraud they never sent that and my account is still Open at the bottom of the letter it said if I need any questions call Transunion . First of all they dont not open a bank account because if your credit score it said at the top it was from XXXX bank but it wasnt it was Transunion XXXX U have no idea the problems it caused I didnt receive a check for XXXX mths because if this. I want something done about this I wan na sue Transunion. But I doubt I can. This FRAUD TO ME CAN YOU HELP ME DO SOMETHING ABOUT THIS? Please. Thank you.

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 2025-08-04 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: TX

Complaint narrative:
In XXXX of XXXX I severed my lease at my previous residence so that I could accept a job offer in another city. Apparently, what I paid to sever the lease was not in lue of having to pay 60 days worth of rent to finish out the lease. Therefore, the apartment complex is using a debt collection agency ( IQData ) to obtain what I owe for the sixty days. This debt collector has been calling me off and on for two years, and I finally decided to work with them earlier this year around XXXX. I provided information to them that I did give notice that I just wanted to sever the lease without realizing that I still owe 60 days worth of rent. On XX/XX/XXXX this company called me and I was transferred to the manager of the agency and after he introduced himself, he started to get a rude attitude. Like, he was taking this personally. At this point, the conversation became less about the content and more about the context. This argument about his attitude went back and forth until he eventually threatened that this issue was going to hurt my credit and that I would receive a subpoena. Now, I did get rude with him, but only because he got rude with me first. These collection agencies can't treat people like this because I don't have a contract with his company, and rudeness will not get anybody paid. In the two years they have been calling me, I was resistant, but never rude nor belligerent. In fact, I started to work with them on this issue. Like I mentioned, the company 's name is IQData and their number they used to call me is XXXX. Also, there are other complaints from other customers all over XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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 sent a certified letter to Equifax on XX/XX/year> with tracking # XXXX it shows the delivery date of XX/XX/year> at XXXXXXXX XXXX in XXXX TX. The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts : XXXXXXXX XXXX  - {$12000.00} ( ACCOUNT # XXXX ) Equifax failed to respond. I sent another letter on XX/XX/year> which they failed to respond once again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: MI

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX  XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX  XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX  - XX/XX/XXXX, XXXX  - XX/XX/XXXX, XXXX  XXXX XXXX XXXX - XX/XX/XXXX, XXXX  - XX/XX/XXXX, XXXX XXXX  XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-08-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This account is not and never has been my account. This account from XXXX XXXX Opened XX/XX/2020 XXXX {$870.00} was open without my knowledge. I am a victim of identity theft. I filled out an FTC report and have written a letter to EXPERIAN AND XXXX  explaining this account is fraud.

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 2025-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
I wrote XXXX checks on XX/XX/year> to XXXX different Vendors. The checks totaled {$610.00} XXXX vendor was in XXXX and the other in XXXX. The XXXX checks were put in the mailbox on XX/XX/year>. On or about XX/XX/year> I received past due notices on the XXXX invoices that I paid on XX/XX/year>. In researching my online checking account, it was found that the XXXX checks were both cashed on XX/XX/year> with no endorsements on the back of the check. I contacted XXXX XXXX XXXX ( XXXX ) who was only able to find that the checks were both cashed at Citibank. I contacted by vendors who both stated that they did not use Citibank. I was told by XXXX that I had to contact Citibank. I contacted Citibank and the representative was a complete jerk and I ended the call. I then called Citibank again and had to speak through a " middle man '' on the " XXXX '' number to the fraud department. The Citibank fraud department stated that XXXX had to initiate the complaint and it would be handled " bank to bank '. XXXX attempted to contact Citibank and they were told that I had to contact them. I then contacted Citibank and had to practically " twist and arm '' to get the fraud department phone number. I don't even know if this is a valid number. My complaint is that someone was able to steal XXXX checks from my mailbox and cash them at Citibank when they were made out to my vendors and were not required to put any endorsement on the back. How many other businesses has this been done to? I want my money back and action taken against Citibank for fraud.

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 2025-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson Capital is reporting a collection account that they claim was purchased from XXXX XXXX. However, the account number ending XXXX does not match the original creditors account number ending XXXX, and the amounts, delinquency dates, and balances reported are inconsistent with XXXX own credit reporting. 

I have never signed any agreement with Jefferson Capital and have had no contract or payment arrangement with them. I submitted a proper written debt validation request on multiple occasions. Instead of producing the required documents, they sent a copy of a promissory note from XXXX that clearly states : > The undersigned is/are not liable for this loan but grants a security interest In addition, this document refers to personal property that was never identified meaning the contract is vague, unenforceable, and can not be used to justify the debt as reported. Jefferson Capital continues to report this debt on my credit reports, which is damaging and misleading. 

Their failure to provide complete documentation or validate the debt violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( FCRA 1681s-2 ( b ) ).

I am requesting immediate deletion of the account, a cease to all further reporting or collection attempts, and full regulatory review of their conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: PA

Complaint narrative:
I was charged for a gym membership in Colorado after I fled the state due to XXXX XXXXXXXX and could no longer use the facility. I submitted documentation from my licensed therapist and multiple emails requesting cancellation, which the merchant refused despite requesting this documentation to cancel. I filed formal complaints with the XXXX and XXXX Attorney General. Despite this, Discover denied my dispute, citing the contract, and refused to acknowledge the hardship and relocation that make this unusable and exploitative. The contract also states the ability to cancel the membership regardless of which kind. 

Discover 's refusal to support me as a cardholder in a documented crisis violates the ethical standards I expect from a financial institution. I request a full review and reversal of the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: VA

Complaint narrative:
This account was opened using stolen identity. I did not create it, approve its use, or obtain any products or services through it. It is fake and not mine.

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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
XXXX XXXX has been reporting 150 days late on credit report with the wrong balance. There no 30 days nor 90 days reported. This account is hurting my credit report. I have already contacted XXXX XXXX and nothing has been resolved

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX has been reporting 150 days late on credit report with the wrong balance. There no 30 days nor 90 days reported. This account is hurting my credit report. I have already contacted XXXX XXXX and nothing has been resolved

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 2025-08-04 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: EdFinancial Services
State: AL

Complaint narrative:
Basically Biden had made it okay stop paying student loans for a second because I thought he was going to take it away. Now trump is the president and I forgot that I needed to start paying it back. So I had just made my credit score jump up to the XXXX and now it went back down because of student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
b'I sent a certified letter to Experian on XXXX with tracking #XXXX XXXX XXXX XXXX XXXX XXXX it shows the delivery date of XXXX at XXXX XXXX in XXXX, TX. The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts: \n\n XXXX  - XXXX (account # XXXX)\n XXXX XXXX - XXXX (account # XXXX\n XXXX XXXX XXXX  - XXXXXXXX (account # XXXX)\n XXXX XXXX - XXXX (account # XXXX)\n\XXXX  failed to respond. I sent another letter on XXXX which they failed to respond once 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 explanation