vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 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: Chime Financial Inc
State: SC

Complaint narrative:
At some point in XXXX of XXXX I made an online purchase. Apparently it was not a real merchant, and they obtained my card information that was linked to my checking account. Ever since XXXX of last year they would gradually take small amounts of money from my account if I had any in there. They would be charges of {$1.00}, {$2.00}, {$4.00} and so on until I moved the money from my checkings to my savings, where they could not access it. XXXX day ( XX/XX/XXXX ) they even made so many of these transactions that they took over {$200.00} out of my account. IN XXXX NIGHT. About XXXX  months ago I filed a dispute with Chime about this happening. The representative was able to go back and find every XXXX of these transactions made by a merchant going by the name XXXX, and said it was somewhere around XXXX transactions totaling to {$840.00} taken from my account. I waited for a month and finally got an email back from XXXX investigation team saying that they found no errors and my dispute was denied. I called back and asked why and they useless supervisors said needed to give supporting documents as evidence to resubmit my rebuttal for the dispute. I did this. I sent screenshots of my XXXX account that show ABSOLUTELY XXXX purchases made from my XXXX account. I never use my XXXX account. I have NEVER purchased anything through XXXX. Even after submitting this evidence, within only XXXX days, they denied my dispute again. I called back and once again the useless supervisors gave me the same resolution and said that was all I can do, and once I asked to have my issue escalated they hung up on me. XXXX separate supervisors. I have had {$840.00} taken from me, FROM MY BANK ACCOUNT, and the bank wont do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I have previously disputed with XXXX XXXX  and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I disputed this account before, and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of the procedure, and they have XXXX  days to provide it to me, or they have to delete the inaccurate accounts I am disputing. Attached is the letter requesting the description of procedures

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
On XX/XX/XXXX, I made a {$6000.00} payment to my Delta SkyMiles Reserve American Express card to free up credit for an urgent, time-sensitive purchase. Immediately after the payment posted, Amex reduced my credit limit by {$5600.00} resulting in a transaction denial and financial harm. 

I received no prior notice of this credit reduction. During multiple calls and chats, Amex representatives and a supervisor confirmed : 1. No 45-day advance notice was issued ( in violation of TILA 12 CFR 1026.9 ) 2. No adverse action letter was provided, despite the decision being based on my credit profile ( in violation of ECOA XXXX U.S.C. XXXX ) 3. My credit score and utilization ratio were negatively impacted by the limit drop ( in violation of FCRA XXXX U.S.C. XXXXm ) Instead of resolving the issue, Amex offered a solution where I could pay an additional {$5200.00} to guarantee reinstatement of my original limit with a waiting period of up to XXXX business days. 

I repeatedly requested documentation of the credit decision, including certified mail tracking or internal records, and was told that nothing could be emailed. I also requested a transcript or recording of the call, which Amex stated could only be obtained through a subpoena. 

I was refused a live escalation to anyone with authority to resolve the issue, despite multiple formal requests and confirmation this was a legal dispute. This behavior paired with the timing of the credit reduction reflects coercive and abusive financial practices, and amounts to constructive fraud, bad faith, and unjust enrichment. 

Additionally, this conduct violates fundamental principles of equity and trust law. By accepting a large payment from me in good faith, then restricting my access to that credit without lawful notice or justification, Amex breached the implied covenant of good faith and fair dealing, and violated my right to equitable reliance. The company profited from my performance under the credit agreement while obstructing my access to the very benefit of that agreement. 

I am requesting : Immediate reinstatement of my original credit limit A refund of the {$6000.00} payment if credit access remains restricted A full investigation and written explanation Reversal of all damage to my credit profile I have preserved a full transcript, names, timestamps, and a legally valid recording of the call. This is now part of an ongoing legal matter, and I request a formal regulatory review and resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Action Collection Service
State: ID

Complaint narrative:
My information was in XXXX separate data breaches and there were fraudulent accounts opened and used in my name that are now In collections and reporting to my credit. I have disputed them and also got an affidavit from XXXX XXXX and sent it to the credit bureaus and they are still reporting accounts that are not mine saying that the collection company confirmed the information. I want them removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: IL

Complaint narrative:
I am filing this complaint because there are incomplete and inaccurate information on my credit report without my authorization. This is a violation of FCRA

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 2025-04-15 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing this complaint because there are incomplete and inaccurate information on my credit report without my authorization. This is a violation of FCRA

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-04-15 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: PA

Complaint narrative:
This XXXX, I discovered incorrect accounts listed on my credit report, and Im not sure how they got there. I checked my report like I normally do, but this time there were unexpected issues. I even refreshed the page thinking it might be a browser glitch, but the errors remained. Given this, Im requesting a detailed review of the documents Ive submitted so I can have peace of mind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: PA

Complaint narrative:
XX/XX/XXXX, I noticed some incorrect information on my credit report that I cant explain. I usually monitor my report, and this time, there were random discrepancies. I attempted to refresh the page thinking it might be a technical glitch, but nothing changed. As a result, Im requesting a thorough examination of the paperwork Ive submitted so I no longer have to deal with this issue.

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 2025-04-16 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: 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 # XXXX * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX * * - Date Opened XX/XX/XXXX Account Name : Unknown Account # XXXX * * - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: REGIONS FINANCIAL CORPORATION
State: AR

Complaint narrative:
XXXX. I was moving my money into an account I obtained with XXXX I transferred over XXXX. They put a stop to a payment I sent. This caused them to lock my account. I have pictures of my account and cant access it. They will not supply me with info. They have closed my bank account and now XXXX out of XXXX. I have been trying to recover every since.

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 2025-04-15 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: SECURITY FINANCE CORP
State: GA

Complaint narrative:
Security finance should not be on my credit report. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Subject : Dispute of Late Payment Reporting Under 15 U.S.C. 1666b Dear XXXX XXXXXXXX XXXX XXXX, I am writing to formally dispute the late payment reported on my account ( Account Number : XXXX ) as per the Fair Credit Billing Act, specifically under 15 U.S.C. 1666b. 

I have reviewed my records and found that the payment in question was made on XX/XX/XXXX and XX/XX/XXXX and should not be reported as late. The details of the transaction are as follows : - Payment Amount : {$1000.00} - Payment Method : online - Confirmation Number : [ If applicable ] Under the Fair Credit Billing Act, I have the right to dispute any billing errors, including unauthorized charges or incorrect late payment notices. Therefore, I respectfully request that you investigate this matter and correct my account records accordingly. 

Please provide me with a written response confirming the resolution of this dispute within the time frame allowed by law. I appreciate your prompt attention to this matter and look forward to your reply. 

Thank you for your cooperation. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Having to deal with these wrong items on my report has taken a serious toll. Ive worked hard to stay on track financially, but these mistakes have made it feel like none of that matters. Ive been rejected and questioned over things I know aren't right, and its exhausting.

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 2025-04-15 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: NY

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion 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 XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX  ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXnd Dennis v. BEH-1, LLC ( 2002 ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

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 2025-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: MI

Complaint narrative:
I filed a previous suit with all the evidence including a police report and interactions with management and support and no one is trying to solve over XXXX in unauthorized transactions. They attempted to clump it in their XXXX class act suit to dismiss it which has nothing to do with this that occurred in XXXX and I didnt even file it under that suit. Theyre actively trying to avoid investigation and not give me money back that was stolen due to their failed security measures. Mind you I have been dealing with this since XX/XX/XXXX and have gotten nothing but automated scripts and responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-04-15 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: CA

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXX  XXXX * * * * XXXX XXXX XXXX XXXX * * * * XXXX XXXX XXXX XXXX * These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief