vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: CA

Complaint narrative:
I submitted a claim to Chime, fully expecting there to be no problem because the merchant had admitted fault already. They told me to file a claim with my bank and I would receive my funds through charge backs. It was one merchant but for some reason almost every transaction had a different name to it ( red flags big time ). My son had been using my card with my permission but has XXXX  XXXX and this company new it anyways, XXXX later and now it's been 3 times that I reopened my claim I am still getting denied. How do you deny a claim where the merchant admits fault and I submitted proof of them admitting fault, police report, everything I was requested and they still deny my claim and close my account. I can not afford to lose XXXX and other then taking legal action, I don't know what to do. How can a company do this and get away with it? I called the merchant just to find out that chime never even sent them a charge back but lied to me repeatedly telling me that they had sent it. That goes against their promise to do a full investigation to any fraudulent charge ( s )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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:
Please help me investigate accounts where I am being wrongly reported for late payments. Upon reviewing my credit report, several accounts were marked late when they shouldn't be. There should be no late payment annotationsplease remove these inaccuracies and update the accounts as previously agreed in positive standing. In addition, the account currently showing delinquency is incorrect and should be disputed and marked with no late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XX/XX/XXXX, I disputed a closed XXXX credit card account with Citi Bank for inaccurate reporting. The account was closed in XXXX ( XX/XX/XXXX ). 

On or around XX/XX/XXXX, Citi updated the reported balance from {$3600.00} to {$0.00} on both my XXXX  and XXXX  reports. However, despite the {$0.00} balance update, Citi continues to report multiple late payments, including XXXX day late marks, well into XXXX and XXXX after the account was closed and after I disputed it. 

In addition, this XXXX account is being reported twice under XXXX different names XXXX and XXXX with identical payment history, balance, and closure information. This duplicate reporting is misleading, artificially inflates the derogatory impact on my credit score, and constitutes inaccurate reporting under the FCRA. 

I specifically requested verification, including : A copy of the original signed contract. 
Full payment history documentation proving the reported late payments are accurate. 
Documentation showing how Citi verified this information with each credit bureau. 

Citi did not provide any of the requested verification. Instead, they partially updated the tradeline ( balance to {$0.00} ) but left the derogatory history and duplicate reporting intact. 

This violates the Fair Credit Reporting Act : 15 U.S.C. 1681i failure to conduct a reasonable reinvestigation and delete unverifiable information. 
15 U.S.C. 1681s-2 ( b ) furnishers duty to correct and update information after notice of a dispute. 

I request that the CFPB require Citi to : XXXX. Provide full documentary proof of the alleged late payments, and XXXX. Remove the duplicate reporting and delete the entire tradeline from all credit bureaus if it can not be fully verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
am filing a complaint regarding [ XXXX  XXXX ] XXXX denial of my debit card fraud claim for a transaction that I did not authorize. 

On XX/XX/year>, XXXX charges from the same merchant with a total of {$790.00} was made to my debit card ending in XXXX. The purchase was not under my name, I did not make this purchase, and I did not give permission to anyone to use my debit card for this transaction. I have a new card now with a different number but I still have the old card of number XXXX. 

I reported the fraud to the bank on XX/XX/year>, well within the XXXX window required under Regulation E ( Electronic Fund Transfer Act ). Despite this, the bank denied my claim, citing that the transaction was authorized. 

Under 12 CFR 1005.2 ( m ) and 1005.11, this is an unauthorized electronic funds transfer, and I am entitled to an error resolution investigation. I requested merchant records ( including shipping address, IP address, email address, and device ID used ) and the evidence they relied upon for their decision, but the bank has not provided sufficient proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: LA

Complaint narrative:
I am filing this complaint against Equifax for its continued reporting of inaccurate and unverified information despite my formal disputes. The Fair Credit Reporting Act, specifically 15 U.S.C. 1681e ( b ) and 1681i ( a ), requires credit reporting agencies to ensure maximum possible accuracy and to conduct a reasonable reinvestigation of any disputed information. Equifax has failed to comply with these obligations. 

My credit file contains XXXX addresses that do not belong to me : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I have never lived at or been associated with these addresses. Keeping them on my file creates false associations with accounts and activities that are not mine. 

Equifax is also reporting a XXXX account, number XXXXXXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a {$4100.00} charge-off balance, and an XXXX  account, number XXXXXXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX with a {$6100.00} charge-off balance. I have never received any signed contracts, applications, or billing records proving that either of these accounts belongs to me. Under the FCRA, unverifiable accounts must be deleted, yet Equifax continues to report them without proof. 

Additionally, my file contains XXXX unauthorized inquiries XXXX XXXX dated XX/XX/XXXX and XXXX dated XX/XX/XXXX. I never gave permission for these companies to access my credit report. Under 15 U.S.C. 1681b, a credit bureau may only allow inquiries when there is a permissible purpose. These inquiries violate my privacy and have harmed my credit score. 

XXXX continued reporting of false addresses, unverifiable accounts, and unauthorized inquiries is a clear violation of my rights under the FCRA. I request that the CFPB investigate these violations and take enforcement action to ensure the immediate removal of these inaccuracies from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: IA

Complaint narrative:
early XX/XX/year>, my Cash App account was suspended without prior notice after my younger brother, who sometimes uses my account, sent a payment to someone with an inappropriate message. Shortly after my account was frozen, my brother sent me {$100.00}, which now remains locked in my Cash App balance. I am unable to access, send, or withdraw these funds. 

Over the past month, I have made multiple attempts to resolve this issue directly with Cash App. I contacted customer support through the app, emailed their XXXX office, and called their support line, but nothing resolved the problem. Despite these efforts, I have received no clear explanation for the suspension, no specific steps for reinstatement, and no timeline for the release of my funds. 

It has now been over XXXX  days since my account was locked, which is well beyond the XXXX business day review period advertised by the company. I am requesting that my {$100.00} balance be released to my linked bank account or mailed to me by check if my account will remain closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are several inaccuracies in the personal information section of my credit report, including outdated addresses that no longer apply to me. I have provided supporting documents for your review and request that these incorrect addresses be removed from my report without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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:
I am filing this complaint against TransUnion, Experian, and Equifax for repeatedly failing to correct inaccurate and unverifiable information on my credit reports, in violation of the Fair Credit Reporting Act ( FCRA ). 

Over the past several months, I have submitted multiple disputes directly to all three credit bureaus. Each dispute included supporting documentation and clearly identified the items in question. Despite this, the bureaus issued generic verified responses without providing the legally required method of verification as outlined in XXXX U.S.C. XXXX ( a ) ( XXXX ). 

Their actions violate : XXXX U.S.C. XXXX ( a ) Failure to conduct a reasonable reinvestigation. 

XXXX U.S.C. XXXX ( b ) Failure to follow reasonable procedures to ensure maximum possible accuracy. 

Disputed Items That Remain Uncorrected : Incorrect Personal Information Name : XXXX XXXX XXXX Incorrect Current Address XXXX XXXX XXXX, XXXX, MI XXXX Incorrect Employer Information XXXX XXXX XXXX Late Payment ( Closed/Paid ) XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Collection XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Collection XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX The credit bureaus have failed to provide : The specific method and process used to verify each disputed item. 

The full name, title, and contact details of the furnishers that allegedly verified the data. 

Any actual documentary evidence relied upon to confirm the disputed information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: MI

Complaint narrative:
I am filing this complaint against TransUnion, Experian, and Equifax for repeatedly failing to correct inaccurate and unverifiable information on my credit reports, in violation of the Fair Credit Reporting Act ( FCRA ). 

Over the past several months, I have submitted multiple disputes directly to all three credit bureaus. Each dispute included supporting documentation and clearly identified the items in question. Despite this, the bureaus issued generic verified responses without providing the legally required method of verification as outlined in XXXX U.S.C. XXXX ( a ) ( XXXX ). 

Their actions violate : XXXX U.S.C. XXXX ( a ) Failure to conduct a reasonable reinvestigation. 

XXXX U.S.C. XXXX ( b ) Failure to follow reasonable procedures to ensure maximum possible accuracy. 

Disputed Items That Remain Uncorrected : Incorrect Personal Information Name : XXXX XXXX XXXX Incorrect Current Address XXXX XXXX XXXX, XXXX, MI XXXX Incorrect Employer Information XXXX XXXX XXXX Late Payment ( Closed/Paid ) XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Collection XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Collection XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX The credit bureaus have failed to provide : The specific method and process used to verify each disputed item. 

The full name, title, and contact details of the furnishers that allegedly verified the data. 

Any actual documentary evidence relied upon to confirm the disputed information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: GA

Complaint narrative:
I requested to have the fraudulent and inaccurate addresses and names removed from my credit report and it remains on there. I have not received correspondence regarding this at all after several attempts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: GA

Complaint narrative:
I requested to have the fraudulent and inaccurate addresses and names removed from my credit report and it remains on there. I have not received correspondence regarding this at all after several attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
THIS BANKRUPTCY RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. ITS INCLUSION ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND IS CAUSING SIGNIFICANT EMOTIONAL DISTRESS. I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS SERIOUS ERROR. SEE THE ATTACHED DOCUMENT FOR VERIFICATION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My Chase XXXX card was stolen. After the theft, unauthorized ATM withdrawals were made from my account ending in XXXX. I reported the theft and transactions promptly to Chase, but they denied my fraud claim solely because the transactions were completed with my PIN. I never gave my card or PIN to anyone, and I did not authorize any of these withdrawals. 

Under the Electronic Fund Transfer Act and Regulation E, the use of a correct PIN does not by itself prove authorization. Criminals can obtain PINs through illegal methods such as skimming devices, hidden cameras, or compromised terminals. Chase has not provided any evidence showing I authorized the transactions. 

I have requested that Chase reverse its denial, issue a provisional credit, and provide the evidence they relied on ( ATM surveillance video, transaction logs, and fraud investigation notes ). I have also requested confirmation that this evidence is being preserved for possible law enforcement review. 

I am filing this complaint because Chase is refusing to follow XXXX XXXX protections for unauthorized transactions. 
Summary of fraud that occurred : Please see the following unauthorized ATM/Debit Transactions : ATM Transfer from my husbands checking to my checking account for {$4900.00} ( my husband did open a claim on this on XXXX as well XXXX XXXXXXXX ATM Transfer from our savings account to my checking account for {$4900.00} ( which I transferred back into our overdrawn savings account when I was alerted to the fraud on XX/XX/XXXX ) XXXX ATM withdrawals and ATM fees totaling : {$2900.00} XXXX Division and XXXX XXXX XXXX XXXX for {$1400.00} totaling {$2900.00} ( which I did receive a fraud text alert for and replied it was not me and called and opened claims within hours ) So overall we had {$5800.00} ( with ATM fees ) stolen from our account and {$9800.00} in unauthorized transfers in our account. Ive attached the back up from my checking account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-15 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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Never received notice of collection, or verification letter.Still reporting while in dispute.please remove now.

Company response to consumer: Closed with explanation