vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
To Whom It May Concern, On XX/XX/year>, I used the Cash App service to transfer funds to my CPA, XXXX XXXX, as I do each month. Unfortunately, during this transaction, I mistakenly sent {$500.00} to a different person named XXXX XXXX individual I do not know and have never previously sent money to. 

Immediately after realizing the error, I contacted Cash App Customer Service to stop or reverse the transaction. The representative instructed me to send a payment request to XXXX XXXX for {$500.00}, asking that the funds be returned. I was advised to wait a few days and to call back if the funds were not refunded. 

When I followed up with Cash App on XX/XX/year>, I was informed that there was nothing they could do to recover my money. This was disappointing, as I had been led to believe by the initial representative that Cash App could intervene if the funds were not returned voluntarily. Instead, I was told that no action could be taken without cooperation from the recipient. 

I also contacted my bank,XX/XX/XXXX I was advised to allow up to 10 days for an update, but as of XX/XX/year>, I have not received a response. 

I am requesting assistance in recovering the {$500.00} that was mistakenly sent to the wrong recipient. I would appreciate any help or guidance you can provide in resolving this matter. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: FL

Complaint narrative:
XXXX  XXXX XXXX is currently reporting my closed account ( Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with multiple 30-day late payments during late XXXX. However, the alleged delinquency dates are inconsistent across the credit bureaus. For example, one bureau reports a 30-day delinquency in XX/XX/year>, while others report it in XXXX or XX/XX/year>. This inconsistency raises serious concerns about the accuracy and verifiability of the information being furnished. 

I never received any certified documentation or proof showing that my payment was actually 30 days past the due date for any of these months. After the account was paid and closed, no further delinquency should have been reported without verifiable documentation.

I contacted the company and requested verifiable evidence of the alleged lateness, including the original billing statement date, the due date, and the exact date the payment was received and applied. To this day, XXXX  XXXX XXXX has not provided certified documentation to support the late payment claims. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) requires data furnishers to ensure the maximum possible accuracy of the information they report. Under 15 U.S.C. 1681s-2 ( a ) ( 3 ), the company must report only complete and accurate information. Additionally, under the Truth in Lending Act ( 15 U.S.C. 1666i and 1666b ), payment application and billing accuracy must be documented precisely. 

Since XXXX  XXXX XXXX has not provided verifiable documentation to certify the alleged delinquency, and the reporting is inconsistent across multiple bureaus, the reporting is inaccurate and harmful to my credit standing.

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 2025-10-26 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:
Fulfill the legal obligation to promptly remove disputed accounts.

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 2025-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: AZ

Complaint narrative:
I never set up an account with Chime. 

I have received emails from Chime regarding setting/resetting my password. 

I called Chime for help to resolve it. I chose the option " Report fraudulent or unauthorized account activity ''. 

I was reluctant to give Chime too much personal data but wanted to provide my email address. Twice, the front line agent hung up on me when I asked to speak to a supervisor. 

On the third call, the agent helped to some extent but ( understandably ) did not want to reveal too much information. He said simply " We have deleted your information ''. 

I asked if I could speak to a supervisor to get more information on what happened and what I could do. I asked to speak to a supervisor to register a complaint about the previous two front line agents. Denied.

I was advised to search the internet for more information regarding what to do. 

In all, XXXX requests to speak to a supervisor were denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately 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 non-monetary relief
Consumer complaint received 2025-10-26 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Purchased airline tickets on XX/XX/year>. 

An error was made to my wifes name during purchasing. XXXX, the travel agency, refused to change her name claiming multiple airlines were involved and I was impossible. XXXX and XXXX XXXX says otherwise. Both airlines claim that is bogus and the travel agency, XXXX has the power to do so and should. So if both major airlines are claiming its the sole responsibility of the travel agency to provide this service, why did XXXX refuse to do a simple action? I called multiple times asking to do this. Even a Supervisor from XXXX refused to even rebook my flight or transfer me to anyone that could. He also insulted me. They keep claiming they refunded a portion but this was for seat purchases I had to purchase directly from the airlines. Citi claimed to say there would be a report within XXXX hours and they have missed that deadline. XXXX is bulldozing this process claiming false information and stealing money buy tickets I never used and canceled. They are stealing my money for a service I never used and refuse to refund due to false policies that both airlines say are doable and the travel agency is responsible for. Why Citi claims to have sided with them is unknown. They took the word of a thieving company while doing no such background work of their own and not providing the details in a timely manner. I am taking legal action against XXXX and will include Citi as well for negligence. They did not provide a report in a timely manner and it seems to not do their do diligence. I will not be attaching documents from the airlines stating it is XXXX responsibility because my lawyer has advised me not too.

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 2025-10-26 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: FL

Complaint narrative:
XXXX  XXXX XXXX is currently reporting my closed account ( Account Number : XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) with multiple 30-day late payments during late XXXX. However, the alleged delinquency dates are inconsistent across the credit bureaus. For example, one bureau reports a 30-day delinquency in XX/XX/year>, while others report it in XXXX or XX/XX/year>. This inconsistency raises serious concerns about the accuracy and verifiability of the information being furnished. 

I never received any certified documentation or proof showing that my payment was actually 30 days past the due date for any of these months. After the account was paid and closed, no further delinquency should have been reported without verifiable documentation. 

I contacted the company and requested verifiable evidence of the alleged lateness, including the original billing statement date, the due date, and the exact date the payment was received and applied. To this day, XXXX  XXXX XXXX has not provided certified documentation to support the late payment claims. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) requires data furnishers to ensure the maximum possible accuracy of the information they report. Under 15 U.S.C. 1681s-2 ( a ) ( 3 ), the company must report only complete and accurate information. Additionally, under the Truth in Lending Act ( 15 U.S.C. 1666i and 1666b ), payment application and billing accuracy must be documented precisely. 

Since XXXX  XXXX XXXX has not provided verifiable documentation to certify the alleged delinquency, and the reporting is inconsistent across multiple bureaus, the reporting is inaccurate and harmful to my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 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: MI

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
Im writing to request the removal of a derogatory item from my daughter XXXX XXXX XXXX ) and I credit report that was fraudulently and inaccurately reported to the credit bureau by XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, Fl XXXX. This derogatory item is inaccurate and negatively affecting our credit score and profile. 

I moved into the XXXX community in XX/XX/XXXX signing a 12 month lease. 

In XX/XX/XXXX XXXX requested my annual recertification to be submitted in which I submitted and chose not to renew my lease but instead pay on a month to month basis. 

In XX/XX/XXXX XXXX requested that I add my daughter XXXX XXXX XXXX ) to my lease and also report her income due to her age. I wascompliant with the directive and my daughter was added to my lease XX/XX/XXXX. I still chose not to renew my lease but remain on a month to month basis. 

On XX/XX/XXXX I received an email from AC regarding my recertification in which I replied back on XX/XX/XXXX informing management that I will not be updating my recertification and will no longer be a part of the XXXX XXXX then received an email from management stating that I will not receive my security deposit will be forfeited due to insufficient notice. 

Upon my exit from XXXX, proper protocol was followed and all monies were paid up. At no time did I sign any lease renewal. 

I feel as if this was a malicious act of retaliation. 

I kindly request that you throughly investigate this matter and promptly remove the fraudulent inaccurate item from our credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: FL

Complaint narrative:
Summary ( short ) : XXXX XXXX XXXX XXXX has furnished materially inconsistent, inaccurate, and misleading information about an account across the three national credit reporting agencies ( XXXX, XXXX, Equifax ). Despite prior disputes, the tradeline remains on file with conflicting dates of last activity, dates reported, open/close dates, balances, and payment history counts rendering the tradeline unverifiable and unreliable. I request CFPB to investigate, forward this complaint to the bureaus and XXXX XXXX, and require deletion of the tradeline if not verified with competent documentation. If the tradeline is not removed or corrected within the demanded timeline below, I will file suit under the Fair Credit Reporting Act ( 15 U.S.C. 1681n, 1681o ) and seek statutory and punitive damages and attorney 's fees. 

Account identifiers ( as reported ) : - XXXX  Account # : XXXX - TransUnion reporting summary ( as reported to me ) : Last verified : XX/XX/XXXX ; Date of last activity : XX/XX/XXXX ; Date reported : XX/XX/XXXX ; Date opened : XX/XX/XXXX ; Balance owed : {$0.00} ; Close date : XX/XX/XXXX ; Account rating : Paid ; Payment status : Collection / Charge off ; Creditor remark : Payment after charge off ; Last payment : XX/XX/XXXX - XXXX  Account # : XXXX - XXXX  reporting summary : High balance : {$0.00} ; Last verified : No data ; Date of last activity : XX/XX/XXXX ; Date reported : XX/XX/XXXX ; Date opened : XX/XX/XXXX ; Balance owed : {$0.00} ; Close date : No data ; Account rating : Paid ; Payment status : Collection / Charge off ; Creditor remark : Unpaid balance reported as a loss by credit grantor - Equifax Account # : XXXX - Equifax reporting summary : High balance : {$500.00} ; Last verified : XX/XX/XXXX ; Date reported : XX/XX/XXXX ; Date opened : XX/XX/XXXX ; Balance : {$0.00} ; Account rating : Derogatory ; Payment status : Collection / Charge off Inaccuracies & contradictions ( examples ) : 1. Conflicting " date opened '' values between XXXX  ( XX/XX/XXXX ) and XXXX XXXX XX/XX/XXXX ). 
2. Conflicting " last verified '' and " date of last activity '' entries ( XXXX shows XX/XX/XXXX ; XXXX  shows XX/XX/XXXX ; Equifax shows XX/XX/XXXX ). 
3. Conflicting " high balance '' values ( Equifax {$500.00} ; XXXX  {$0.00} ; XXXX  {$460.00} reported as high balance ). 
4. Account simultaneously reported as " Paid '' and " Collection/Charge-off '' with balance {$0.00} but creditor remark claims " unpaid balance reported as a loss '' self-contradictory and unverified. 
5. Inconsistent payment history ( XXXX-day late counts differ drastically across bureaus ). 
These contradictions make the tradeline unverifiable under the Fair Credit Reporting Act and show a failure to maintain reasonable policies and procedures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 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: NC

Complaint narrative:
I have disputed items on my report that are either reporting incorrectly or are not mine and they keep sending back responses that its verified or no response at all and not information being given when asked how and who verified the information.

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 2025-10-26 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is a second and final notice. I'm reaching out again regarding fraudulent accounts and unauthorized inquiries being reported under my name. Let me be clear : I am the consumer, and I am writing this letter personally. There is no third party involved. So please do not send me another stall letter or generic response that approach is unacceptable and shows disregard for both federal law and consumer rights. 
This matter has already been raised and documented, yet these inaccurate and fraudulent entries remain on my credit file. This is not just a reporting error it's a serious identity theft issue, and your inaction is now bordering on willful non-compliance.

Violations of Federal Law and Consumer Rights : 15 U.S.C. 1681b ( c ) Unauthorized Inquiries You are not allowed to furnish credit reports for transactions I didnt authorize. The inquiries listed below were not initiated by me and must be deleted.

15 U.S.C. 1681c2 Block of Information Resulting from Identity Theft You are required to block fraudulent information within 4 business days of receiving proper documentation. Ive already provided you with everything necessary including my FTC Identity Theft Report, government-issued ID, Social Security card , and proof of address.

18 U.S.C. 1028A Aggravated Identity Theft Continued reporting of identity theft-related entries makes you complicit in the damage being done. If you fail to block this information, you allow criminal activity to persist and knowingly hurt my financial reputation.

15 U.S.C. 1681i ( a ) Failure to Reinvestigate If you do not reinvestigate or verify the entries within the time permitted by law, and can not produce legitimate records showing my authorization, you are obligated to permanently remove them. 
Fraudulent Accounts and Inquiries ( Previously Disputed ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These were not opened or approved by me. They were the result of identity theft, and any delay in removing them further harms me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC
State: TN

Complaint narrative:
Subject : Formal Complaint- Collection Account Reporting Without Full Validation| FCRA 611, FDCPA 809 ( B ) To Whom It May Concern, I am filing this formal dispute and complaint regarding a collection account that is being reported on my consumer credit file by [ National Recovery Agency ] who has failed to validate the debt in accordance with FDCPA 809 ( b ) and continues to report inaccurate or unverifiable information in violation of the Fair Credit Reporting Act 611 ( a ) and FCRA 623 ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with explanation