vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 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:
SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : Formal Dispute of Fraudulent Accounts Under the Fair Credit Reporting Act ( FCRA ) Dear Disputes Department, I am writing to dispute multiple fraudulent and unauthorized accounts that are being inaccurately reported on my credit files across Equifax, Experian, and TransUnion. I have never opened, authorized, or had any legitimate association with the accounts listed below. These entries appear to be the result of identity theft or misreporting and are causing serious harm to my credit profile. 

Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I formally request that you initiate a reinvestigation into these accounts. If the creditors can not provide full documentation verifying my identity and responsibility for the debts, you are required to delete these accounts immediately. 

The disputed accounts are : XXXX XXXX Associates Account XXXX. : XXXX I have no connection to this account. It is not mine and was never authorized. 
XXXX XXXX XXXX Account XXXX. : XXXX This account is fraudulent and was opened without my knowledge or consent. 
XXXX XXXX  XXXX Account XXXX. : XXXX Unauthorized and inaccurate. I never initiated this account. 
XXXX XXXX Account XXXX. : XXXX XXXX Both accounts are unauthorized and must be removed. 
XXXX I have no XXXX with this creditor and never applied for or opened this account. 
XXXX XXXX XXXX This account was fraudulently added to my report. I have no knowledge of or agreement with this creditor. 

These accounts are inaccurate, unauthorized, and damaging to my credit. I request written confirmation of the results of your reinvestigation within 30 days, as required under the FCRA. If any of the disputed information is verified, please provide a complete copy of the original documentation, such as signed contracts or applications. 

Failure to remove unverifiable or fraudulent data may result in further action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and State Attorney Generals Office. 

Thank you for your prompt attention and compliance with federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Forward Funding Group, Inc.
State: CA

Complaint narrative:
I am submitting a report on more than XXXX company that are all associated. Forward Funding being the main one as it poses as a lending company or lender and claim to have a lending license but they only solicit people for debt settlment through a company called XXXX XXXX and this is the second company which XXXX ran in the XXXX XXXX ( XXXX ) and they only send out fake loan mailers to get people to call in advertising a 4 % rate and then sign them up for debt settlement. They have about XXXX employees from what used to be credi care but they are slowly trying to file for a false bankruptcy because of a class action lawsuit against them and now everything is going to be under forward funding. This is a deceptive scam company ran by sXXXX XXXX XXXX XXXX XXXX XXXX who they pay way less money and force them to work long hours or else they'll be fired or sued and there are many witness to attest to this. I am now an advocate for people who get entrapped by these types of companies, the owner is XXXX XXXX but he's merely just a pawn or follower of the guy who runs all the illegal shell companies and avoids taxes by being in another country and not reporting and thats XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They also work with a company called XXXX XXXX XXXX and multiple other call centers in the XXXX and other places. I just want to make this be known because people are getting scammed and lied to by this company and this is just XXXX of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am submitting this complaint due to Capital Ones refusal to offer a secure and reasonable alternative for verifying a legitimate transaction between my business account ( of which I am the authorized owner ) and my personal Capital One credit card. 

After a payment was made from my business account to my personal credit card to cover a balance, Capital One flagged the transaction and immediately blocked my credit card. When I called to resolve the issue, I was told the only option was to conduct a three-way call between Capital One and the other financial institution with no written alternative or formal documentation process allowed. 

I made it clear that I do not authorize the release or sharing of private banking information between institutions on a live call, especially without proper consent protocols. I offered to provide bank statements, a written explanation, and any supporting documents to verify the legitimacy of the transaction. My request was firmly denied. 

I find this practice not only coercive, but also potentially dangerous, as it forces consumers into compromising their privacy and financial security. The lack of alternative verification methods or escalation channels further exacerbates the issue. 

I request a formal investigation into Capital Ones verification practices, especially in cases where the cardholder is willing and able to verify a transaction via secure documentation channels. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: DC

Complaint narrative:
I went to request XXXX dollars of my pay feature out of XXXX XXXX I chose instantly and they held it for XXXX hours instead. They never gave it to me and There are no notifications that it was given to me which proves it was never given to me. Attached are screenshots of the Chime app. I requested the XXXX $ after requesting XXXX $ and the XXXX $ was given to me but Chime my pay never deposited the {$61.00} and stole it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Dispute of Unauthorized Inquiry COMENITYBANK/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX SSN : XXXX XXXX : XX/XX/XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : COMENITYBANK/XXXX Subject : Factual Dispute of Unauthorized Hard Inquiry Reported XX/XX/XXXX Dear COMENITYBANK/XXXX Dispute Department, I am writing to dispute a hard inquiry that your organization placed on my credit report. I did not authorize or initiate any application for credit with your company. Under the Fair Credit Reporting Act ( FCRA ) 1681b, such an inquiry requires my explicit written permission or a demonstrable permissible purpose. 

- Creditor : COMENITYBANK/XXXX  - Inquiry Date : XX/XX/XXXX This dispute is submitted under the Factual Dispute Method , referencing Metro 2 Format and e-OSCAR compliance. If you can not produce documentation validating this inquiry, I request that you immediately instruct all consumer reporting agencies ( XXXX, XXXX, and XXXX  ) to remove this inquiry. 

Ive enclosed a copy of my government-issued identification and proof of address for verification. Please respond in writing with confirmation of the results of your investigation. 

If you fail to respond or remove the unauthorized inquiry, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ), my state attorney general, or other applicable regulators. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
In XX/XX/year> I filed a XXXX XXXX 100 % repayment to all my creditors who I technically was never in arrears to or with ever prior to this filing. In XXXXXXXX XXXX XXXX I finally received my discharge papers for paying back all of my creditors. Nevertheless, Ally, XXXX XXXX XXXX XXXX XXXXXXXX XXXX all received in their payments in full for each of these accounts yet they still have negative marks against my credit reports even though they all have been paid in full through this XXXX XXXX XXXXXXXX Federal Court System. XXXX is also a part of these companies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint against TransUnion due to its continued reporting of inaccurate and unverifiable tradelines, specifically from XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX These accounts have been previously disputed, and no valid documentation has been provided by the furnisher or TransUnion. 

On XX/XX/2025, I received a notification from XXXX XXXX that the XXXX tradeline had been altered on my TransUnion report by removing the charged-off remark and adding consumer disputes reinvestigation in progress, which was then quickly removed. This type of remark swapping is not a proper reinvestigation and appears to be a tactic to avoid deletion. 

This account has not been validated under FCRA 1681i ( a ) ( 5 ) ( A ) and remains inconsistent with how it is reported on XXXX and XXXX XXXX has also failed to delete old or unverifiable XXXX XXXX  accounts that continue to report false statuses. 

I am currently recovering from XXXX  XXXX and can not speak on the phone. All communication must be in writing. This issue has been ignored or mishandled repeatedly, and I am demanding full accountability under the FCRA.

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 2025-08-02 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: TX

Complaint narrative:
I am filing a formal complaint regarding inaccurate information that Equifax continues to report on my credit file. Specifically, the account reported by XXXX XXXX XXXX ( Account # XXXX ) is reflecting late payments that are factually and legally inaccurate. 

I submitted a written dispute to Equifax under FCRA 1681i, with supporting documentation, including the full payment history from the creditor, which clearly shows : Payments were consistently made prior to or within the 30-day threshold from the contractual due dates.

No late charges were ever assessed by the creditor.

Under Metro 2 guidelines and FCRA 1681s-2 ( a ), late payments must not be reported unless the payment was actually more than 30 days late. Equifax has failed to conduct a proper reinvestigation or correct the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: CA

Complaint narrative:
I submitted a complaint to the Bureaus a month ago, but sadly, the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they have properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is extremely frustrating! Over 30 days have passed since I filed my complaint, and the disputed accounts remain unchanged. If this persists, I may have to consider legal action due to the significant stress it has caused me. Additionally, I'm worried about the security of my personal information, especially after the data breach involving XXXX, Experian, and 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 2025-08-02 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX ( XXXX ) XXXX Date : XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. 

To Whom It May Concern, I am filing this complaint against Chime Financial , Inc. regarding their mishandling of a recent account dispute and failure to honor a stated commitment.On XX/XX/year> I reported a dispute to Chime regarding [ briefly describe the dispute e.g., unauthorized charges on my account ]. According to Chimes own dispute process, if they are unable to resolve or complete the investigation within XXXX business days, they are required to issue a provisional ( temporary ) credit while the investigation continues.I have written proof from Chime representatives stating that I would receive a temporary credit if the investigation exceeded the XXXX window. However, despite this, Chime failed to issue the credit and has since changed their position, now stating they will not provide the credit at all. This is a breach of their stated dispute policy and has caused me unnecessary financial hardship and stress.I am seeking the following resolution : - Immediate issuance of the promised temporary credit -- Assurance that they will honor their dispute policy going forwardI am attaching proof of their promise, including [ describe attachments : screenshots, emails, chat logs, etc. ] .I trust the XXXX  will assist me in holding Chime accountable for their failure to honor their customer obligations and dispute resolution policies.Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have 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 States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a 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 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/year> I was in XXXX on vacation when {$2000.00} was stolen out of my account. I reported fraud and put in a dispute. My account was closed and a new one was opened. Bank of America continued to allow someone in XXXX log in to my account and have access to both the old and new accounts. I have proof that I was in XXXX  on the dates that the log ins occurred. However, they are telling me that it had to be me logging in because the person has the same phone carrier as me, which is XXXX. They claim that they are investigating, however I feel more like they are avoiding accountability

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 2025-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OK

Complaint narrative:
Was being texted and called as well as all other family members on my phone plan about a old debt. They misrepresented the age of the debt and I am pretty sure I have already paid it off. Checking on that Monday. They provided no address, or location on their paperwork, bullied me into signing an online emailed agreement and it was nothing like what we had been discussing on the phone. They have no online actual presence as far as a legal debt recovery company. They call themselves XXXX XXXX XXXX number XXXX. I have cancelled all banking information I gave them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: NY

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 


UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX CENTURY XXXX 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 2025-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I am filing a complaint regarding Citibanks handling of the annual fee refund on my Citi AAdvantage Executive World Elite Mastercard after I requested a downgrade to the Citi AAdvantage MileUp card. 

On XX/XX/year>2025, the full annual fee of {$770.00} ( including for an authorized user ) was posted to my account. Within two weeks of receiving the statement, I contacted Citi customer service to request a downgrade to the no-fee MileUp card. The representative I spoke with instructed me to pay the full statement and assured me that once the downgrade was completed and the new card activated, the entire annual fee would be refunded as a credit on a future statement. Shortly afterward, a new account for the MileUp card appeared in my Citi online banking, and the previous Executive card account showed as " closed. '' I activated my new MileUp card as instructed. However, on XX/XX/scrub> 2025, I received only a partial refund of $ XXXXnot the full {$770.00}. 

When I contacted Citi to inquire about the missing {$120.00}, I was told that this amount reflected a pro-rated fee for the 52 days I used the Executive card before the account was officially closedeven though their own system showed the account as closed shortly after my downgrade request.

I raised the following concerns : 1. I initiated the downgrade promptly, within two weeks of the statement date.

2. I was told the full annual fee would be refunded.

3. Citis online system showed my Executive account as closed, so I do not understand how they justify continuing to charge me for usage. I was not given any advance notice that only a prorated refund would apply.

Citi has refused to refund the remaining {$120.00}. I believe this is misleading and unfair, and that I acted in good faith based on the information their representative provided.

I am requesting the CFPBs assistance in securing a full refund of the {$770.00} annual fee, as originally promised by Citibank during the downgrade process.

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 monetary relief
Consumer complaint received 2025-08-02 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:
I am submitting a formal complaint regarding a charged-off account currently being reported by XXXX XXXX XXXX XXXX credit file. This account was opened in XX/XX/year> and is listed with a balance of {$980.00}. It is being reported as 'Charged off ', with the remark : 'Unpaid balance reported as a loss by credit grantor '. 

I previously requested proper validation of this account in accordance with the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ). However, to date, I have received no verification or itemization of the alleged debt. Despite this, the account continues to be reported to the credit bureaus.

This ongoing reporting without validation constitutes a violation of my rights under the FDCPA and may also violate the Fair Credit Reporting Act ( FCRA ). I am requesting the immediate deletion of this account from all credit reporting agencies.

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 2025-08-02 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 filing this complaint because XXXX  XXXX is reporting an account on my credit report that contains material inaccuracies in violation of the Fair Credit Reporting Act ( FCRA ). 

Specifically : XXXX. The account is listed as " charged off '' yet still reflects a past due balance of {$840.00}.

Under Metro 2 reporting standards and the FCRA, once an account is charged off, the past due field should reflect {$0.00}, as the creditor has already written the debt off. 



XXXX. The account shows conflicting information across bureaus, such as : Different " Date Opened '' entries ( XX/XX/year> vs. XX/XX/year> ) High credit listed as {$0.00} on some reports, which is clearly inaccurate given a {$300.00} limit and {$840.00} balance. 



XXXX. The payment history and reporting dates are also inconsistent, further demonstrating the account is not being reported accurately, completely, or verifiably. 



Despite my attempts to dispute this through the credit bureaus, the inaccurate reporting remains.

Company response to consumer: Closed with non-monetary relief