vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-23 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: Block, Inc.
State: TX

Complaint narrative:
I was hacked on XXXX ( XX/XX/XXXX at XXXX ) where my cash app card was automatically connected because I made a payment the day prior but the fraudulent charges were made the day after for a total of {$130.00}. The charges consisted of XXXX pairs of XXXX XXXX  sent to XXXX  ( I live in XXXX  ). When the charges were made my cash app card was locked, several transactions came through but only XXXX came out my cash app balance successfully ( {$92.00} and {$46.00} ). I disputed both charges that went through which were all happening at the same time but only XXXX of those disputes were resolved the other was denied. I was told that the dispute was denied because the evidence I submitted shows that I authorized the charge even though I contacted XXXX to let them know that I wanted this order canceled before it was even shipped out which should have been possible. If I authorized the transaction my card wouldnt have been locked, I wouldnt have contacted XXXX to cancel it, and I wouldnt have placed an order out of state where I dont even live close by and change all of my account information. I was told by XXXX that there was nothing that they could do and they suggested that I contacted my bank to help with the fraudulent charge even before the order was shipped out but my bank ( Cash App ) was not able to help me. I also ordered a new card right when these charges were going through.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: TX

Complaint narrative:
Aargon Agency is reporting a collection account on my XXXX  credit report. I never authorized Aargon to report this account on my credit, nor have I made any agreement with them regarding this debt. I also never received proper validation of the debt from Aargon as required under the Fair Debt Collection Practices Act ( FDCPA 809 ).

This same account has already been deleted from my XXXX  credit report, yet Aargon continues to report it to XXXX. This is inconsistent, misleading, and inaccurate reporting, which violates the Fair Credit Reporting Act.

I request that this account be deleted from XXXX  immediately, as Aargon does not have my authorization, has not provided validation, and is furnishing incomplete and inconsistent information to the credit bureaus.

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 2025-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I purchased {$50.00} worth of XXXX ( XXXX ) on Coinbase. At the time of purchase, I was told by Coinbase support that the funds would be available in XXXX  days. Later, I was informed that the funds are under a temporary hold until XX/XX/year>. This restriction was not clearly disclosed at the time of purchase. I can not withdraw or send my funds, only trade them within Coinbase, which was not my intent when buying. I am requesting that the hold be lifted sooner or that I be refunded

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
This is a formal dispute regarding multiple accounts on my credit report that contain significant inaccuracies. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 1681i, you are required to report information with the maximum possible accuracy and to conduct a reasonable reinvestigation of disputed information. 
Upon reviewing my credit files from Equifax, Experian, and TransUnion, I have identified numerous discrepancies across virtually all accounts reported between, Equifax, Experian and Transunion. ( All of the accounts are showing discrepancies in the dates of last activity. ) Some have incorrect balances, inconsistent payment histories, and contradictory account statuses. The same account can not legally report differently across the national consumer reporting agencies. This renders the information unreliable, incomplete, and in violation of the FCRA. 
Please be advised that simply transmitting my dispute electronically through the e-OSCAR system and accepting a superficial verified response from a furnisher does not satisfy your independent legal obligations under the FCRA. Courts have consistently held that consumer reporting agencies must go beyond parroting information from furnishers and must ensure the accuracy of the data they report. 
Because these accounts are demonstrably inaccurate and unverifiable, I hereby demand their permanent deletion from my credit report under FCRA 1681i ( a ) ( 5 ) ( A ). If you are unable to provide competent evidence substantiating the accuracy of the disputed accounts, you are legally obligated to delete them. 
If you claim to have verified these items, I require : 1. A detailed description of your reinvestigation procedures ; The method used to verify the disputed accounts ; The name, address, and telephone number of each furnisher contacted ; and Copies of any documentation you relied upon to verify the information.

Failure to comply with your statutory obligations and reliance on e-OSCAR automated parroting will constitute willful noncompliance under FCRA 1681n and 1681o, which entitles me to pursue legal remedies, including damages, attorneys fees, and costs. You have 30 days to complete your investigation or delete. 
DELETE : XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-08-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
am disputing the reporting of XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX on my Experian credit file. 

On XX/XX/year>, I filed a CFPB complaint against XXXX XXXX XXXX ( CFPB XXXX. No. XXXX ). In that response, XXXX XXXX admitted they could not provide full debt validation and confirmed that the account was updated for no further communication. 

Despite this, Experian continues to report the account as a derogatory collection/charge-off with a balance of {$1100.00}. This is materially misleading and violates the Fair Credit Reporting Act ( FCRA ). 

FDCPA 809 ( b ) : Debt collectors must cease collection activity, including credit reporting, if the debt is not validated.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers can not report information known, or that should be known, to be inaccurate or unverifiable.

FCRA 607 ( b ) : Experian has a duty to maintain maximum possible accuracy. 

Both TransUnion and Equifax have deleted or adjusted similar disputed accounts, yet Experian continues to show the account despite it being unverifiable.

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 2025-08-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Credence resource {$250.00} Credence Resource Management is attempting to collect a debt of {$250.00} allegedly owed to XXXX XXXX XXXX. I am disputing this debt as inaccurate and not owed. 

Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), I have the right to request validation of the debt. Credence has not provided any written proof, contract, or documentation showing that I am legally responsible for this debt. Attempting to collect without proper validation violates my rights. 

Additionally, under 15 U.S.C. 1692e, a debt collector may not use false, deceptive, or misleading representations, and under 1692f, they may not use unfair or unconscionable means to collect a debt. Continuing to attempt collection of an unverified debt is a violation of these protections. 

I am requesting that the CFPB require Credence Resource Management to cease all collection activity on this alleged debt unless full validation ( including a signed agreement and full account history ) is provided. If they can not validate, the debt should be permanently deleted from all records and not resold or reassigned to any other collection agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TN

Complaint narrative:
Somoene Stole my identity and opened and XXXX Account on my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I opened a Truist XXXX Checking on XX/XX/XXXX and enrolled into the {$400.00} open bonus offer. I had XXXX {$500.00} direct deposits from my employer on XX/XX/XXXX and XX/XX/XXXX, which means the requirements for {$400.00} bonus have been satisfied. I withdrew the second {$500.00} on XX/XX/XXXX, and I received an email from Truist on XX/XX/XXXX saying that I didn't meet the requirements. To get more clarification, I called Truist 's customer service on XX/XX/XXXX, and I was told that I needed to have at least XXXX cent in the account when they reviewed my account on XX/XX/XXXX. During the same call, I was also told by Truist that if I could do the same direct deposits within 120 days of account opening, I could still meet the requirements for the {$400.00} bonus. I followed their advice by having XXXX more {$500.00} direct deposits from my employer on XX/XX/XXXX and XX/XX/XXXX. I called Truist on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and I was told that the requirements have been fulfilled again and I should be able to receive the {$400.00} bonus in XXXX weeks. In fact, I never received the {$400.00} bonus. I heard conflicting answers when I called Truist on XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, and XX/XX/XXXX, and the entire process is very confusing and frustrating. I decided to close the account on 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 2025-08-23 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: WI

Complaint narrative:
I am filing a complaint regarding inaccurate and unverifiable information being reported on my credit file. Multiple debt collectors and furnishers are reporting accounts without providing proper validation or supporting documentation, in violation of the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), and the Fair Debt Collection Practices Act ( FDCPA ) 809. Examples include charge-off and collection accounts where no original signed agreements, contracts, or chain of ownership have been produced. These accounts are being reported with inconsistent balances, outdated delinquency dates, and incomplete information. I have formally disputed these items, yet they remain on file without proof of accuracy or legal standing.

In addition, my credit report contains outdated addresses, phone numbers, and unauthorized hard inquiries that I did not approve. These errors violate FCRA 604 ( a ) and 607 ( b ), which require the reporting of only accurate, verifiable information.

I am requesting that these unverifiable and inaccurate entries be deleted immediately and that my credit file reflect only one current address, one valid phone number, and no unauthorized inquiries.

The continued reporting of unverifiable debts and outdated personal data is damaging to my credit profile and is in violation of federal law. I request the CFPB to investigate and ensure compliance.

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 2025-08-23 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: FL

Complaint narrative:
I did not grant permission to any party to pull or review my credit. This fraud action was unauthorized. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: WI

Complaint narrative:
I am filing a complaint regarding inaccurate and unverifiable information being reported on my credit file. Multiple debt collectors and furnishers are reporting accounts without providing proper validation or supporting documentation, in violation of the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), and the Fair Debt Collection Practices Act ( FDCPA ) 809.

Examples include charge-off and collection accounts where no original signed agreements, contracts, or chain of ownership have been produced. These accounts are being reported with inconsistent balances, outdated delinquency dates, and incomplete information. I have formally disputed these items, yet they remain on file without proof of accuracy or legal standing.

I

n addition, my credit report contains outdated addresses, phone numbers, and unauthorized hard inquiries that I did not approve. These errors violate FCRA 604 ( a ) and 607 ( b ), which require the reporting of only accurate, verifiable information. I am requesting that these unverifiable and inaccurate entries be deleted immediately and that my credit file reflect only one current address, one valid phone number, and no unauthorized inquiries.

The continued reporting of unverifiable debts and outdated personal data is damaging to my credit profile and is in violation of federal law. I request the CFPB to investigate and ensure compliance.

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 2025-08-23 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: IL

Complaint narrative:
Someone filed bankruptcy without my knowledge or permission or consent it was 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 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
As a federally protected consumer, I have a right to privacy. A huge part of the FCRA is the privacy of consumer data. My information MUST be dealt with confidentiality and with respect to my right to privacy. This consumer reporting agency is not a bureau. In fact, they are a data broker that was not given any permissible purpose by me to report these items attached. They are defaming my character with this erroneous reporting. Delete all unauthorized items listed in my attached letters and update any late payment history due to the fact that it is misleading and deceptive because I can not be late on my own extension of credit. I am the original creditor. There is no verifiable proof of any late payment! I also attached an invoice for monetary relief since this data broker violated my rights! THESE ITEMS MUST BE DELETED WITHIN 4 DAYS ACCORDING TO FEDERAL LAW!

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 2025-08-24 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: CA

Complaint narrative:
As a federally protected consumer, I have a right to privacy. A huge part of the FCRA is the privacy of consumer data. My information MUST be dealt with confidentiality and with respect to my right to privacy. This consumer reporting agency is not a bureau. In fact, they are a data broker that was not given any permissible purpose by me to report these items attached. They are defaming my character with this erroneous reporting. Delete all unauthorized items listed in my attached letters and update any late payment history due to the fact that it is misleading and deceptive because I can not be late on my own extension of credit. I am the original creditor. There is no verifiable proof of any late payment! I also attached an invoice for monetary relief since this data broker violated my rights! THESE ITEMS MUST BE DELETED WITHIN 4 DAYS ACCORDING TO FEDERAL LAW!

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 2025-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: UT

Complaint narrative:
For two months, we have tried to get loan care to accept our hazard insurance. Each time including dates XX/XX/XXXX, XX/XX/XXXX and multiple dates in XXXX they have rejected our hazard insurance policy from XXXX XXXX XXXX. Two other mortgage companies who previously held our mortgage never questioned our hazard insurance. XXXX XXXX keeps saying the same thing that the dates are in question but we have provided them with proof of coverage for XXXX XXXX and XXXX. They continually reject it Each time despite 10 different calls and 10 different submissions. Ive begged them to just call the insurance company ( XXXX XXXX ) directly. XXXX XXXX  numbers are listed on all of the documents we sent them and still They refuse to approve it. XXXX  insists on purchasing hazard insurance for us at the cost of {$2500.00}. No doubt they get a cut of that money. So currently we have two different hazard insurance policies one through our condo unit at XXXX XXXX XXXX XXXXXXXX and one through XXXX XXXX. We are beyond frustrated that XXXX XXXX will not cancel the insurance and insists on charging us for it. Please reach out to XXXX for us since our next step can only be a lawsuit. 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 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 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 A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2025-08-23 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: FL

Complaint narrative:
Consumer Financial Protection Bureau Complaint - Unauthorized Transfer & Regulation E Violation Complainant : XXXX XXXX XXXX Phone : XXXX Email : XXXX Case XXXX XXXX XXXXXXXX % XXXX XXXX XXXX 
Nature of Complaint : On XX/XX/year>, at XXXXXXXX XXXX, an unauthorized transfer of {$1700.00} occurred from my Chime account to XXXX XXXX. At the time of the transaction, 1 was incarcerated in XXXX XXXX XXXX ( Booking # XXXX ) and had no physical or electronic access to authorize this transfer. 
Despite providing extensive documentary proof and law enforcement records, Chime has denied my dispute multiple times in violation of Regulation E ( 12 CFR 1005.11 ). Chime has failed to provide proper provisional credit, has disregarded overwhelming evidence, and has not complied with written explanation requirements.

Evidence Provided : 1. XXXX XXXX XXXX XXXX XXXX Report # XXXX - documents theft and my incarceration. 
2. Booking & Release Records- prove I was jailed during the fraudulent transfer.

3. Chime Transaction Record- shows {$1700.00} sent to XXXX XXXX on XX/XX/year>, XXXXXXXX XXXX 
4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Case # XXXX ) - criminal charges naming me as victim. 
5. Arrest Warrant & Court Filings - confirm law enforcement action.

6. Chime Custodian of Records Declaration ( LP-25-112293430 ) - Chime already produced account records under subpoena.

Regulation E Violations : - 1005.2 ( m ) : Transaction was unauthorized.

- 1005.6 & 1005.11 : Failure to provide reimbursement or provisional credit.

- 1005.11 ( d ) : Failure to provide evidence relied upon in denial.

Requested Resolution : 1. Immediate reversal and reimbursement of {$1700.00} plus fees.

2. Confirmation that Chime will comply with Regulation E going forward.

3. Regulatory oversight to ensure Chime 's dispute process is compliant with consumer protection laws.

This is a clear-cut case of unauthorized use while I was incarcerated, supported by official government and court documentation. I respectfully request that the CFPB intervene and compel Chime to comply with Regulation E. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief