vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-25 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: AL

Complaint narrative:
: Cross-Bureau Inconsistency & Willful Non-Compliance ( FCRA Violations ) Equifax Maintained Fraudulent Accounts After Confirmed Identity Theft To the Consumer Financial Protection Bureau : I am submitting this complaint against Equifax Information Services LLC for maintaining inaccurate and fraudulent information on my credit file long after receiving verified identity-theft documentation and in direct contradiction to actions taken by another nationwide consumer reporting agency. 

I am a documented victim of identity theft, supported by XXXXXXXX XXXX XXXX XXXX XXXX XXXX and an FTC Identity Theft Report. This documentation was uploaded to Equifax on XX/XX/year> and mailed with confirmed delivery on XX/XX/year> ( Equifax Confirmation Number XXXX ). 

Despite this notice, Equifax continued to report XXXX fraudulent charge-off accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account ending XXXX ) Both accounts stem from identity theft and were previously marked as verified by Equifax. 

By contrast, Experian XXXX XXXX reviewed the same police report and FTC documentation and deleted both fraudulent accounts after determining the evidence was sufficient. Equifax, however, continued reporting these accounts as charge-offs through XXXXXXXX XXXX 

Equifaxs own records now confirm that these accounts were finally addressed only after prolonged delay : XXXX XXXX reported as charged off with balance {$440.00}, Account Previously in Dispute Now Resolved by Data Furnisher, report date XX/XX/year>. 
XXXX XXXX reported as charged off with balance {$110.00}, report date XX/XX/year>. 

XXXX eventual correction confirms that its prior verifications were inaccurate and that its reinvestigation procedures failed to meet the reasonable procedures standard required by federal law. 

Equifax violated multiple provisions of the Fair Credit Reporting Act, including : 15 U.S.C. 1681c-2 ( FCRA 605B ) failure to timely block identity-theft information 15 U.S.C. 1681i ( a ) failure to conduct a reasonable reinvestigation 15 U.S.C. 1681e ( b ) failure to assure maximum

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
I transferred my money through Money XXXX on XX/XX/year> to XXXX in the amount of {$700.00}. On XX/XX/year>, the transaction shown as in transit. When contacted Money Gram through mobile chat, phone call, and complain through Money Gram app, I told to wait between XXXX hours to XXXX  days. And when I asked to cancel the transaction, Money Gram agent told me that the transaction can not be canceled due to the money has already moved to the receiver bank. However, the receiver bank stated that they dont see any money being transferred to them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-25 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: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-25 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: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-25 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This entry is not mine and appears on my report due to inaccurate reporting; please investigate and correct this mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-25 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-25 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I am filing a complaint regarding Chase Banks handling of my credit card fraud claim ( card ending in XXXX ) involving unauthorized purchases made through a digital marketplace app called XXXX. 

The transactions were not authorized by me, and I did not receive or benefit from any of the goods purchased. The items were likely received by my ex-spouse, who at the time had physical access to my phone but did not have authorization to make purchases on my account. 

Chase denied my fraud claim solely on the basis that the transactions originated from my device, and I was explicitly told by Chase that because the purchases were made by my ex-spouse, this was a personal matter and not the banks responsibility ( XXXX, a fraud representative for Chase ). 

Chases denial is inconsistent with federal consumer protection law. 

Under the Fair Credit Billing Act ( 15 U.S.C. 1666 ), a transaction is considered unauthorized if it is made without the cardholders actual authority, regardless of whether it was made using the cardholders device or credentials. 

Physical access to a device does not constitute authorization. A third party making purchases without permission even a spouse or former spouse is unauthorized use under federal law. 

Additionally : I did not receive the merchandise I did not benefit from the transactions I did not authorize the purchases I reported the activity promptly The individual responsible has since been removed from all access Chases position that this is a personal matter improperly shifts liability to the consumer and ignores the statutory definition of unauthorized use. 


Important notes : These were credit card transactions ( not debit ) The charges were made through a third-party digital marketplace ( XXXX ) I did not receive any of the purchased items Chase denied the claim solely because the transactions came from my device I was explicitly told this was a personal matter and not Chases responsibility I am requesting CFPB assistance to ensure Chase Bank complies with federal consumer protection laws governing unauthorized credit card transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/year> night, I initiated an outbound ACH transfer of {$4900.00} from my personal Bank of America checking account to a domestic XXXX checking account belonging to my partner. The transfer was legitimate and authorized by me, and I have maintained my Bank of America account for approximately ten years and have no prior history of fraudulent or unauthorized transfers. Sufficient funds were available in my account at the time of the transfer, and there was no indication of account compromise or unusual activity. 

Bank of America contacted me to verify the transaction on XX/XX/year>. The representative identified himself as XXXX ( ID : XXXX ). During the verification call, I answered standard security questions confirming my identity and intent. However, the representative proceeded to ask personal, non-financial questions, including how long I have been in a relationship with the recipient. 

Despite my cooperation and confirmation that the transfer was authorized, the representative declined to approve the transaction, citing discomfort after overhearing the recipient asking why the length of our relationship was relevant in the background. 

I understand and support reasonable fraud-prevention measures. However, I am concerned that : The transfer was declined without evidence of fraud or unauthorized activity. 
The decision appeared to rely on subjective judgment rather than documented or objective criteria. 
Personal relationship details were requested that are unrelated to ACH authorization.

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 2025-12-25 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-25 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Activehours
State: IL

Complaint narrative:
Ok well I'm XXXX and I have my bank acct and I'm trying to get my credit up so I will be able to get somewhere in his world bc as you know you can't get anywhere if you don't have a good credit score. So I decided to do the cash advance thing because someone told me that would be the quickest way to get my score higher. So this company " Earnin '' seemed like a good company to begin with but then they started taking more and more money from my bank acct to the point that I was in the hole like {$300.00}, and I'm not trying to do all that. So on XX/XX/year> it says on my acct tht I done a credit of {$100.00} ... and the repayment date is XX/XX/year> ok but I never got the money from that transaction nor did I do another direct deposit of {$100.00} into my acct just the other day nor did I get the transfer of {$50.00} tht happened the other day. I want the company to pay back what they took from me with the bank fees, their fees, and the amounts it comes to {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have been disputing inaccurate information on my TransUnion credit report since XXXX XXXX. Despite submitting multiple disputes and supporting documentation, TransUnion has failed to conduct a reasonable reinvestigation and has continued to report the same inaccurate and unverifiable XXXX account without making any substantive changes. 

Since XXXX XXXX, TransUnion has repeatedly responded to my disputes by stating that the information was verified, while failing to provide any meaningful explanation of how the reinvestigation was conducted. TransUnion has not disclosed the method of verification used, has not identified whether the investigation was automated or manual, and has not provided the name or title of any individual who reviewed my dispute. 

TransUnion has relied exclusively on the furnishers Metro 2 responses without independently evaluating the accuracy, completeness, or consistency of the information being reported. This is evidenced by the fact that no corrections, deletions, or substantive updates have been made to the account despite repeated disputes and despite inconsistencies in the data being furnished. 

The continued reporting of this account without meaningful investigation demonstrates that TransUnion failed to comply with its statutory duty to conduct a reasonable reinvestigation. Merely parroting the furnishers certification does not satisfy TransUnions obligations under the Fair Credit Reporting Act. 

TransUnions conduct violates the Fair Credit Reporting Act, including but not limited to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) for failing to conduct a reasonable reinvestigation of disputed information ; 15 U.S.C. 1681i ( a ) ( 2 ) for failing to properly notify and transmit all relevant dispute information to the furnisher ; 15 U.S.C. 1681i ( a ) ( 4 ) for failing to delete or modify information that could not be verified ; 15 U.S.C. 1681e ( b ) for failing to follow reasonable procedures to assure maximum possible accuracy ; and 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) for failing to provide a description of the procedure used to determine the accuracy and completeness of the disputed information. 

As a result of TransUnions failure to properly reinvestigate, inaccurate and unverifiable information has remained on my credit report since XXXX XXXX causing ongoing harm to my credit score and my ability to obtain credit.

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 2025-12-25 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Larry H. Miller Group of Companies
State: AL

Complaint narrative:
I am submitting this complaint to request assistance with an issue involving Prestige Financial Services and their reporting of an alleged debt on my credit report. 
Prestige Financial Services reported an account to the credit bureaus without providing adequate validation or clear documentation demonstrating the accuracy of the debt. I attempted to obtain clarification and verification of this account, but I did not receive information sufficient to confirm that the balance, ownership, or reporting of the account was accurate and complete. As a result, I have been unable to meaningfully resolve or dispute this matter. 
The continued reporting of this account has caused significant emotional distress. I have experienced ongoing anxiety, stress, and mental strain due to concerns about my financial standing and creditworthiness. This situation has disrupted my sleep, affected my concentration, and created constant worry about potential consequences such as difficulty securing housing, credit, or other essential financial opportunities. The emotional burden of dealing with an unresolved and unclear debt has been overwhelming and has negatively impacted my overall well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
Okay from the beginning, I disputed a transaction that originated on XX/XX/year> for XXXX, it is a deposit to pay to have a hairstylist do your hair. On XX/XX/XXXX or XX/XX/XXXX, the stylist posted on her page that she will be taking a self care break and that she will refund people their deposits or reschedule, when I messaged her to try to get my money back she tried to reschedule me, I said okay and we discussed Sunday would be the day. Saturday night and Sunday morning came and went and she never provided me with an address via confirmation email or via text where to go to receive services, once the afternoon arrives on XX/XX/XXXX I ask her to refund me and all XXXX breaks loose. She then admits that she was never going to do my hair and that she cancelled the appointment, she sent me the cancellation screenshot and said my refund is on the way, however she then starts taunting me on XXXX  and via text and we then start arguing back and forth. I never got my refund and waited until XX/XX/XXXX before filing the dispute with Chime ( XXXX XXXX  ), I sent over all the screenshots from XXXX and messages showing and proving that this woman scammed me and I receive an email stating my claim has been denied. Chime said they have sent the supporting documentation but it has not been received. This is the 3rd time chime has done this and I cant keep affording to lose money from this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: NJ

Complaint narrative:
The Company ( sunrise Credit Collection ) located in XXXX, NY. 
Sent a mail claiming l owned XXXX XXXX XXXX. But l do not. And they threatened to report it on my credit on or about ( XX/XX/year> ). 
When l called them to ask about it, they claim l told one of their reps l will pay the amount which l did not. They tried to coherse me into paying a dept that does not belong to me. 
I also did some research on them and a lot people left reviews about them being fraud and scam. Also during the call, they said the last four of my social security number, which l do not know how they got that information. 
I have reasons to suspect my identity has been stolen. Also they wanted me to confirm my address and everytime l rejected it they kept on pushing.

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