vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: Chime Financial Inc
State: DE

Complaint narrative:
I took an {$80.00} advance from XXXX on Chime at XXXXXXXX XXXX on XX/XX/year>. When I checked my account around XXXXXXXX XXXX the same day, I noticed that the repayment amount, along with the {$4.00} fee, had already been deducted from my account. 
I called the company up requesting that the company refund the {$4.00} fee for unfair practices of not having the money for more than 24 hours before repayment from the company began. The company said they can not refund the {$4.00} fee. I think it is unfair that a company is receiving a fee for services that they did not provide for more than 24 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: AR

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-01 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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: MI

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Servicer under contract with Federal Student Aid
State: MI

Complaint narrative:
I am submitting a complaint regarding closed accounts that are still being reported inaccurately on my credit report. These accounts are showing incorrect information, which is affecting my credit history.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: SC

Complaint narrative:
My account was closed by Cash App. Their reason was that they said I was illegal gambling. I told them that was not true. I never used my account to gamble. I'm not even a gambler! I asked them how this mistake was made, and gave them a chance to correct it, but they refused to do that, and refused to provide me with any description or direct evidence of what activity they considered was illegal gambling by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had applied for the Capital One XXXX Credit card. Capital One advertisements and promotions state discreetly that XXXX XXXX XXXX XXXX XXXX Enjoy a {$100.00} Travel Credit XXXX XXXX XXXX XXXX with {$500.00} spend in 3 months I applied for the Card on XX/XX/year> and was instantly approved. But to my dismay, I could not see the above welcome bonus upon logging into the account. I checked with the Bank and they confirmed that the welcome bonus offer was not applied to my card. They said that they could not do anything in the matter, hence the complaint. 
This tantamount to unethical and unfair practices as they lure you to apply for the card by advertising benefits which are not granted after approval. 
I would subsequently initiate appropriate legal action against Capital One for resorting to unfair practices by filing XXXX XXXX for such an act on their part. 
Hope the Regulatory body takes cognizance of such unfair and unethical practices resorted by Credit Card issuers as this affects my Credit score too as I would not be using the card. Had I known explicitly that this would be the case, would never have applied for the card. As a measure of public awareness I would be putting this on social media to let people know of such unscrupulous acts on part of the Card issuers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX for {$95.00} Someone scammed me into sending them money for a service that they never intended to make good on and cash app denied my dispute without question and did not tell me why or offer me any help at all. 
Cash app can find my account by my phone number of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Mid-Atlantic Finance Co., Inc.
State: NC

Complaint narrative:
I am filing this complaint against Mid Atlantic Finance Company regarding an account that has already been charged off and is under active dispute. Despite prior complaints filed with the CFPB, FTC, and NC Attorney General, Mid Atlantic Finance continues to send collection notices and demand payment without providing lawful proof of ownership or validation of the debt. 

On XX/XX/XXXX, I received a letter titled Notice of Default and Consumers Right to Cure claiming that I owed {$2400.00} on Account # XXXX related to a XXXX XXXX XXXX, and warning of repossession if payment was not made by XX/XX/XXXX. 

However, this same account has been reported by Mid Atlantic Finance as charged off on my credit reports. Once an account is charged off, the creditor can not continue to demand payment as if it were still open and active without first validating ownership and standing. This letter therefore represents : A false representation of the legal status of the debt, in violation of 15 U.S.C. 1692e ( 2 ) ( A ) ; Continued collection activity on a disputed account without validation, in violation of 15 U.S.C. 1692g ( b ) ; Failure to investigate or correct credit reporting during an active dispute, in violation of 15 U.S.C. 1681s-2 ( b ) ; and A deceptive and unfair practice under N.C.G.S. 75-1.1, as Mid Atlantic Finance is not licensed as a consumer finance lender by the North Carolina Commissioner of Banks. 

This letter constitutes retaliation and bad-faith conduct following my lawful disputes and cease-and-desist requests regarding this same account. The companys actions are misleading, harassing, and directly contrary to federal and state consumer-protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: LA

Complaint narrative:
It was falsely information and accused of using for gambling purposes and related to. I explained to this company on several appeals never misused card or funds for gambling purposes. Cash App

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: WA

Complaint narrative:
On Saturday XX/XX/year> filed a dispute with my bank because I had returned a sewing machine back to goodwill said sewing machine shocked me and on XX/XX/year> my dispute was denied even after my proof

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I recently reviewed a copy of my report and noticed inaccurate information. Please remove the account ( s ) from my credit report as it is hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: AR

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-01 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: FL

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-01 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: MI

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-11-01 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: MI

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-11-01 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: DISCOVER BANK
State: PA

Complaint narrative:
Date : XX/XX/year> To : Discover Bank XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Final Notice FCRA Violations and Intent to Pursue Legal Action Account Reference : XXXX To Whom It May Concern, This letter serves as final notice regarding Discover Banks willful and negligent violations of the Fair Credit Reporting Act ( FCRA ) specifically 15 U.S.C. 1681s-2 ( a ) ( 5 ) and 15 U.S.C. 1681e ( b ) in connection with the reporting of the above-referenced account.

According to my credit report, Discover is still reporting this account as Collection/Charge-Off, with a reported date of XX/XX/year>. Once an account is charged off, it is closed and can not legally be updated or re-reported as delinquent each month. This repeated monthly furnishing of derogatory information is false, misleading, and a direct violation of the FCRA. 
In addition to the unlawful ongoing updates, Discover is also reporting false identifying information, including : An incorrect name, listed as XXXX XXXX XXXX instead of my legal name Ill have a screen shot that shows my real name ; and An unauthorized address that I have never provided, resided at, or authorized Discover to use. I have a screenshot that will be enclosed of the two unknown addresses that I am unaware of.

These inaccuracies constitute violations of FCRA 1681e ( b ), which mandates that furnishers of credit information maintain the maximum possible accuracy in all data reported to consumer reporting agencies. 
You are hereby demanded to : Cease and desist all future reporting and updates of this charged-off account to any credit bureau ; Remove and permanently delete all inaccurate personal information ( the incorrect name and unauthorized address ) ; Provide written confirmation of compliance within 10 business days of receipt of this letter.

If these violations are not corrected immediately, I will pursue civil legal action for willful and negligent violations of the Fair Credit Reporting Act. My attorney is currently reviewing this case, and I will also be submitting complaints to the Consumer Financial Protection Bureau ( CFPB ) and the Office of the State Attorney General. 
This is your final warning before litigation proceeds. Govern yourselves accordingly. 
Sincerely, XXXX XXXX Attorney : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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: NY

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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