vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: AZ

Complaint narrative:
My phone and my wallet were stolen. On XX/XX/year> dollars was taken from my account sent to cash and used to purchase XXXX Ive never used bitcoin. I reached out to XXXX XXXX and they stated that since it was a XXXX purchase theres nothing they can do because XXXX XXXXs final and leaves no paper trail. They advised me to reach out to my bank. I called chime and was advised to wait until the transaction is no longer pending. On XX/XX/XXXX I woke up to find that my entire savings account was wiped leaving me with no money. Someone hacked my account used chimes my pay feature and sent themselves XXXX from my savings account.All of my money was sent to someone named XXXX XXXX with a location somewhere in Georgia. I panicked I called chime opened up a dispute and was told that the investigation could take up to 90 days and I would receive a provisional credit within a specific time frame. All of my disputes keep getting denied before I become eligible for the provisional credit.For weeks its been a back and forth with chime and no resolution. I provided chime supporting documents including a police report, texts from XXXX about login attempts, call logs from mysterious numbers requesting more money claiming they have access to my account Ive sent chime all they evidence I have and keep getting denied. I wasnt even given a reasonable explanation as to why my claim had been denied. Ive been exhausted all methods to try to get back my funds totaling {$4800.00} dollars. My next course of action is small claims court. This has caused me to be late on rent and struggle to provide for my XXXX XXXX Im still trying to make up from the loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: KY

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX XXXX ( XXXX ) due to their failure to properly validate a debt they claim I owe ( Account # XXXX ) and their continued reporting of this unverified debt on my credit report. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCP ), 15 U.S.C. 1692g ( b ). I requested specific documentation to verify the debts legitimacy, including the complete chain of title, securitization status, original credit agreement, forward flow agreement. To date, MCM has not provided the requested documentation, only partial information ( e.g., the name and address of the original creditor, XXXX, XXXX, ). Under 15 U.S.C. 1692g ( b ), MCM is required to cease all collection activities including credit reporting until they fully validate the debt. Their failure to do so violates the FDCPA. Additionally, their continued reporting of this unvalidated debt to credit bureaus breaches the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which requires furnishers to ensure the accuracy of reported information and investigate disputes. I have explicitly disputed this debt and requested written communication only, yet MCM has not complied with my validation demands. This ongoing reporting is damaging my credit score and causing me financial distress. Applicable Laws : FDCPA ( 15 U.S.C. 1692g ( b ) : MCM must validate the debt upon request and cease collection until validation is provided. Their failure to respond fully is a violation. FCRA ( 15 U.S.C. 1681s-2 ) : MCM, as a furnisher, must ensure the accuracy of credit reporting and investigate disputes. Reporting an unvalidated debt is inaccurate and unlawful. MCM is prohibited from attempting to collect a debt they know or should know is not legitimate without proof of ownership and my obligation.

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 2025-05-27 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: IL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-05-27 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-05-27 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-27 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/

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 2025-05-27 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: CA

Complaint narrative:
This letter serves as final notice of my dispute regarding the inaccurate late payment reporting on my credit file and your agencys ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Despite previous disputes, you have continued reporting this derogatory information without providing any documentation to support its validity. A generic 'verified ' response does not satisfy the legal requirement to perform a reasonable reinvestigation under FCRA 1681i. You are also in violation of FCRA 1681e ( b ) which requires that you ensure the maximum possible accuracy of the information you report. Your failure to remove unverifiable data and your refusal to produce original documentation demonstrates willful noncompliance. 
You now have 30 days from the date of this letter to provide the following : - Full and complete documentation from the original creditor validating the alleged late payment ; - A detailed explanation of the reinvestigation process and verification methods ; - Immediate deletion of the disputed item if it can not be 100 % verified with original, substantive evidence. 
In support of my position, I refer you to the most recent enforcement actions by the Consumer Financial Protection Bureau ( CFPB ) against major credit reporting agencies : - In XX/XX/year>, the CFPB sued Experian for failing to properly investigate consumer disputes and continuing to report inaccurate data. 
These actions prove a pattern of systemic negligence in the industry. Your behavior mirrors the violations highlighted in these cases and only strengthens my intent to pursue legal remedies. 

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 explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
Credit Corp Solutions has been sending me email and text messages, I have asked them provide all paper work and the contract that I signed for this debt. I have asked for all recent payment receipts or any form of payment documents to prove that I have been in business with them. Needless to say that my requests were ignored this is the reason why I am asking Cfpb to handle the issue for me. 

According to FCRA if any collection company is unable to provide proof of a debt that item should be removed right away from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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:
I HAVE BEEN AFFECTED OF TRAFFICKING AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND TRAFFICKING. 

Account Name : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XX/XX/XXXXsettle payment. Paid. Call back next and say say they never got it and sent to collections'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: MD

Complaint narrative:
A collection account from " Fair Collections & Outsourcing '' is being reported on my credit file for a debt allegedly owed to " XXXX XXXX '' in the amount of {$2900.00}. The account was opened in XX/XX/XXXX and continues to report as a collection as of XX/XX/XXXX. 

This debt is not mine, and I never received any written validation or documentation from the collector. I have never signed any agreement or contract with the original creditor or the collection agency, nor have I authorized them to access or report my personal financial data. 

I submitted formal dispute letters to all three major credit bureaus ( Equifax, Experian, and TransUnion ), demanding validation and deletion of this account. I also specifically requested the following documentation from the bureaus and/or the collector : A signed contract or agreement proving I owe this debt A complete payment history from the original creditor Proof of assignment or transfer of the debt Documentation showing I gave permission for my data to be shared The collectors legal license to collect in my state Despite these requests, no validation documents were provided. The account continues to appear on my credit file, damaging my credit and financial standing.

Additionally, I cited a violation of 15 U.S. Code 1681, as this account involves nonpublic personal information being shared and reported without my knowledge or consent, which is a breach of my privacy rights. 

I am requesting that the CFPB investigate this matter, ensure the account is fully validated, and take action to require its removal from my credit reports if no valid documentation is presented.

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 2025-05-27 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: MD

Complaint narrative:
A collection account from " Fair Collections & Outsourcing '' is being reported on my credit file for a debt allegedly owed to " XXXX XXXX '' in the amount of {$2900.00}. The account was opened in XX/XX/XXXX and continues to report as a collection as of XX/XX/XXXX. 

This debt is not mine, and I never received any written validation or documentation from the collector. I have never signed any agreement or contract with the original creditor or the collection agency, nor have I authorized them to access or report my personal financial data. 

I submitted formal dispute letters to all three major credit bureaus ( Equifax, Experian, and TransUnion ), demanding validation and deletion of this account. I also specifically requested the following documentation from the bureaus and/or the collector : A signed contract or agreement proving I owe this debt A complete payment history from the original creditor Proof of assignment or transfer of the debt Documentation showing I gave permission for my data to be shared The collectors legal license to collect in my state Despite these requests, no validation documents were provided. The account continues to appear on my credit file, damaging my credit and financial standing.

Additionally, I cited a violation of 15 U.S. Code 1681, as this account involves nonpublic personal information being shared and reported without my knowledge or consent, which is a breach of my privacy rights. 

I am requesting that the CFPB investigate this matter, ensure the account is fully validated, and take action to require its removal from my credit reports if no valid documentation is presented.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: KS

Complaint narrative:
On XX/XX/year> I purchased a car from a used car lot for {$2500.00}. Within a week they had the car back and we're supposed to provide a refund. The refund was never provided so I disputed it with cashapp multiple times. Everytime, cashapp denied my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: Block, Inc.
State: FL

Complaint narrative:
I ordered XXXX XXXX  around sometime in XXXX it arrived XX/XX/XXXX .ive been taking it ive complained to the company XXXX XXXX  .the first time it was rerouted and went lost they sent me a reshipment, i was so excited to take them now im feeling no changes in my XXXX nor appetite it didnt work in my favor nor helped me with my XXXX  or XXXX, i told cash app they declined my dispute multiple times, and even ignored it and told me its my fault and refuse to refund me my money back ignoring my complaints. It was a XXXX $ purchase made on XX/XX/XXXX. Cash app is the credit card company refusing to refund me XXXX XXXX is the company who sold the XXXX

Company response to consumer: Closed with explanation