vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harvard Collections, LLC
State: IL

Complaint narrative:
This collection company has added a strike on my credit report since XX/XX/year>. I have previously reported this issue under Report ID XXXX. Every year since XXXX, this credit collection company continues to add fraudulent debt to my credit account. I have previously disputed this debt with all 3 reporting agencies several times since XXXX of XXXX. Eventually the debt is then removed from my credit report but continues to pop up at least once a year. This fraudulent collection company continues their actions with adding and removing the debt after I submit my complaints and requests for additional information about said debt. 
Despite my previous disputes and documentation proving the debt is fraudulent, the company continues to re-report the same debt, negatively impacting my credit score and causing undue stress.

Steps Ive Taken : I filed disputes with all three credit bureau
s ( XXXX, XXXX, and XXXX  ), and provided supporting documentation. 
I have also previously filed a complaint with the CFPB under Report ID XXXX Supporting Documents : I am prepared to provide : Copies of my disputes to the credit bureaustes to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: NC

Complaint narrative:
Despite repeated attempts to resolve these matters, Transunion continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially.

time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: FL

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 FRAUDULENT INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
Charges in excess of {$80.00} were made on my Apple account despite a cancellation being made. I submitted two disputes against these charges.

Both of these disputes were marked as ineligible at XXXX on each respective date, indicating that the review was not conducted by an individual but instead by an algorithm.

I called to speak to the service department, and I was encouraged explicitly to submit a charge back against the company itself. To repeat, the service representative told me to submit a charge back to the company that they work for.

I am requesting a full refund on the requested amount that Ive submitted multiple times, and I am requesting an assessment on the business practices where the best advice a senior representative can offer is to do a chargeback. This is an insult to a company that supposedly prides itself on customer service and support.

Personal information can be provided upon request to verify my information within the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: MI

Complaint narrative:
4 weeks ago I mailed my DL and copy of utility to get the hackers info off my report. They changed the name but did not change the email and phone. The hackers email and phone are still on my report. I can not access the website. The site wants to send the confirmation code to the hackers email and phone. My email is XXXX. My phone is XXXX. Any other email and phone belongs to the hacker. I need to be able to unfreeze and re freeze the account so I can get a loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: NV

Complaint narrative:
I am submitting this formal complaint to bring to your attention multiple serious inaccuracies being reported on my consumer credit file. These errors are causing significant harm to my credit profile, reputation, and overall financial stability. Despite my repeated efforts to correct these inaccuracies with the reporting agencies and furnishers, the issues remain unresolved.

1. Wrong Address Reporting : The following addresses are being falsely listed under my credit report. I have never resided, received mail, or been associated with these locations in any capacity : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX This is a clear violation of the Fair Credit Reporting Act ( FCRA ) 607 ( b ) which requires consumer reporting agencies to maintain maximum possible accuracy in the information they report.

2. Incorrect Account Information : The following accounts are reporting inaccurate and damaging information : XXXX XXXX ( Account # XXXX XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} Reported as Late Payment. 
This is inaccurate because there is no outstanding balance. A {$0.00} balance account can not logically be marked as delinquent or late. This is misleading and must be corrected or deleted immediately. 

* XXXX XXXX ( Account # XXXX ) Date Opened : XX/XX/XXXX Balance : {$40000.00} Reported as Charge Off. 
This account has been reported in error. There has been no verification of this debt, and I have not received any valid documentation substantiating its legitimacy or ownership. Reporting this as a charge-off without validation is a violation of FCRA 611 ( a ) and 623 ( a ) ( 1 ) ( A ).

These false entries are materially impacting my creditworthiness and may constitute negligence or willful noncompliance under FCRA 616 and 617.

Requested Action : I am demanding a full and thorough investigation into these inaccuracies. I request that : The incorrect addresses listed above be permanently removed from my credit profile.

The false account information listed above be either verified with complete documentation or deleted entirely if unverifiable.

All credit bureaus and furnishers involved provide written confirmation of the results of this investigation in compliance with FCRA timelines.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: NJ

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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:
On XX/XX/year>, at approximately XXXX XXXX, an unauthorized transaction occurred involving my Chime accounts : Savings, Pay Advance, and Credit Builder. Funds were transferred from these accounts into my checking account and then withdrawn, totaling {$360.00}. The transaction was initiated by an individual named XXXX XXXX, whom I do not know and have never authorized. 

I discovered the issue on XX/XX/year>, when I logged into my Chime account and noticed : Negative balance on Pay Advance {$0.00} balance in Savings and Credit Builder accounts Previously, these accounts had funds. I immediately contacted Chime to report the fraud. They instructed me to change my password and file a dispute, which I did. 
Dispute Process First dispute ( XX/XX/XXXX ) : Denied for unsupported documents.

Second attempt : Chime requested a police report. I filed an online police report and submitted it.

Third attempt : Chime requested my phone log, which I provided.

Despite submitting all requested documents ( police report, time sheet, phone log ), Chime repeatedly denied my dispute, claiming no error was found.

Impact This situation has caused significant financial and emotional stress. I was saving these funds to pay bills at the end of the month. I have complied with every request from Chime, yet they refuse to resolve the issue or reimburse the stolen funds.

Requested Resolution I am requesting CFPBs assistance to : Investigate Chimes handling of this fraud claim.

Ensure reimbursement of the unauthorized withdrawal of {$360.00}.

Review Chimes dispute process for fairness and compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
On XX/XX/year> I attempted to withdraw funds from my debit card via XXXX XXXX. The first transaction was blocked due to suspicious activity and promoted me to verify that it was me using my card and making the purchase. Once complete I attempted to make another purchase and from there the transactions were blocked again which caused my account to be restricted and placed under review. From that point I later received a notification requesting bank statements, a picture of my Driver 's license and a selfie. One thing that was odd was they requested a statement from an account I do not have, have knowledge of, or have ever been associated with this robinhood platform. The other two account listed was one I had successfully linked prior and have transaction history with an another I once attempted to link to Robinhood but was unsuccessful. After submitting all available documentation I have yet to receive a response and have still do no have access to use my available funds in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
At XXXXXXXX XXXX  today I was contacted by a cryptic, agressive woman who did not identify herself initially asking for me by name. When I asked who she was calling from she said " TSI '' as if I know what that is. It could stand for anything. Then she asked me about another person entirely - not even me. I told her I didn't know that person. She continued to try to bully and push me and tell me that it says somewhere that I do know that person. Regardless, I know she can not call and bother me about alleged debt I do not have any connection to whatsoever! If TSI is doing this, XXXX knows what else they're trying to do to destroy people- which is also illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: GA

Complaint narrative:
I have been a Cash App user for years with no issues, using it as my primary digital wallet to receive payments from clients for my hairstyling business. On XXXX XXXX, my account was disabled without explanation, preventing me from receiving payments or creating a new account. I submitted two appeals ( XX/XX/year> and another date ) asking why my account was disabled, how to restore it, and why I can not open a new account, but I have received no meaningful response, only generic acknowledgments.

All transactions in my account are legitimate payments from clients for hairstyling services. The amounts vary based on style, length, and complexity, which explains why the payments may appear irregular. I have photos, receipts, and messages from clients to prove every payment is valid. I do not engage in fraud or scams my account activity is completely legitimate.

Because my account is disabled : I can not receive payments from clients, which is my only source of income.

I can not pay rent or provide basic necessities for my XXXX daughter.

I can not operate my hairstyling business, causing loss of income and financial hardship.

I can not open a new account under my name, which completely blocks my ability to work.

This situation has caused immediate and severe hardship. I am requesting that Cash App restore my account immediately so I can access funds, receive payments, and continue working to support myself and my child. If my account is not restored, I am prepared to escalate to legal action, file complaints with the CFPB, and contact my state Attorney General.

I am submitting this complaint with urgency. I am ready to provide all documentation ( photos, client messages, receipts ) to prove the legitimacy of my account activity. Cash App must act immediately to restore my access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital one has been charging me interest on my credit when I pay consistently and in time. They are overcharging which is why they always have a class action lawsuit because Im a busy person i just notice this. The employees are rude when you call and hanged up instead of transferring you to a supervisor

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: PA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: MI

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: TX

Complaint narrative:
This false record inaccurately portrays my financial conduct. I request an immediate correction to my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: CA

Complaint narrative:
I am following up on a previous complaint I filed regarding several late payments being inaccurately reported on my credit file. I submitted documentation and explanations showing that these reports were incorrect and requested a proper reinvestigation, yet the same late payment entries remain. It feels as though my evidence and concerns were not given the attention they deserved, or that my case was prematurely closed without full review.

These inaccuracies continue to harm my creditworthiness and misrepresent my payment history, painting an unfair and inaccurate picture of my financial reliability. Ive always taken my credit obligations seriously, which is why this situation has been so deeply frustrating. I understand that the Fair Credit Reporting Act requires that every piece of information reported be accurate and that furnishers and bureaus alike maintain procedures to ensure that accuracy. When that doesnt happen when errors persist after a legitimate dispute it leaves consumers like me powerless, with no choice but to keep asking for what should have already been corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: IL

Complaint narrative:
Subject : Formal Dispute and Demand for Deletion of Incorrect Name Reporting To Whom It May Concern : This letter serves as a formal dispute and legal demand under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 1681i ( a ), concerning the incorrect and unauthorized name ( s ) being reported on my credit file.

I am disputing the inclusion of the following incorrect name ( s ) appearing on my consumer report : Incorrect Name ( s ) : XXXX XXXX I hereby affirm that I have never used, authorized, or been known by the name ( s ) listed above. The inclusion of this information is inaccurate, misleading, and unverifiable, and it does not represent my true legal identity.

Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. Additionally, under 15 U.S.C. 1681i ( a ), you are legally obligated to conduct a thorough reinvestigation of this disputed information upon receiving this notice.

Company response to consumer: Closed with non-monetary relief