vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: GA

Complaint narrative:
I wanted to sell my XXXX XXXX on line in XXXX. XXXX got a hold of me. The person asked if I had a Chime account. I said yes. They said I have to have a business account with Chime in order to get paid. Someone called me supposedly from chime telling me they can set me up a Business account with chime. The number was XXXX and the supervisor 's name was not given but given to me because I noticed when I looked back at my Chime account, everything was gone except for XXXX of the money that I just got paid from my employer. The supervisor 's number was XXXX. The two Chime people that stole my money wasXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX. I was on the phone on Saturday for half the day trying to tell them what happened. Chime said no problem we should be able to fix this. I received NO MONEY for my item. I just received an email from Chime telling me that there will be NO money coming back to my account. They have closed the account. They closed the account because it was the easiest thing to do. They did not show me the steps they took to see why they came to that conclusion. They are not a good faith institution. All I wanted was my money back since I received nothing in return. I made a police report and the people that took my money were calling me while the police were at my front door. They said they were a scam. I think Chime is also.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: GA

Complaint narrative:
I have previously disputed Experian, XXXX  and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or 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 are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 2025-08-04 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: AL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : Accounts : XXXX XXXX XXXX, Account number XXXX, Amount XXXX, Date opened XX/XX/XXXX XXXX XXXX Account number XXXX, Amount XXXX, date Opened XX/XX/XXXX XXXX XXXX Account number XXXX, Amount XXXX, Date opened XX/XX/XXXX XXXX XXXX Account number XXXX, Amount XXXX, Date opened XX/XX/XXXX XXXX, Account number XXXX, Amount XXXX, Date opened XX/XX/XXXX XXXX, Account number XXXX, Amount XXXX, Date opened XX/XX/XXXX XXXX, Account number XXXX, Amount {$1400.00}, Date Opened XX/XX/XXXX XXXX XXXX, Account number XXXX, amount XXXX, Date opened XX/XX/XXXX XXXX XXXX, Account number XXXX, amount XXXX, Date opened XX/XX/XXXX INQUIRES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 2025-08-04 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$470.00} XXXX XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$130.00} XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00}

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 2025-08-04 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: SC

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND XXXX. I recently discovered that I was listed as part of the XXXX  data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-08-04 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: SOFI TECHNOLOGIES, INC.
State: AZ

Complaint narrative:
I purchased a reservation through XXXX on XX/XX/XXXX through XXXX XXXX. The XXXX XXXX  XXXX  was my Sofi Debit card which took the money out of my account. I then requested the refund on XX/XX/XXXX after we cancelled the trip. It has been a month and Sofi said that they can't find the purchase I made on my bank statements. XXXX confirmed the refund being sent back but Sofi has not released it to me saying that there is no proof of purchase on my bank statement. XXXX confirmed that my financial institution ( Sofi ) disputed the refund. XXXX has given me an XXXX number, payment code, and a case number to help Sofi with the process. Though I gave Sofi all of those, they have made no progress in getting my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: CA

Complaint narrative:
PLEASE BLOCKED AND REMOVED.

I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2025-08-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC
State: IL

Complaint narrative:
We had ice/water damage XX/XX/XXXX LoanCare ( mortgage company ) InsuranceClaimCheck has been on checks received by Insurance checks received from XXXX. 
Getting reimbursement for the work has been a nightmare. 

This has been over a XXXX claim.

We have been forced to use our credit cards and pull from retirement accounts to pay for materials and contractors.I had filed a prior complaint and within 30 days of this funds were released.

We have now received 100 % completion by their inspectors as of XX/XX/XXXX and they have not release the remaining {$27000.00} that is owed to us.

I have been in contact with InsuranceClaimCheck multiple times. We began trying to set up inspections with 3 no shows for scheduled appointments XXXX finally on XXXX and inspection was done and we were told 100 % complete, he took over XXXX pictures and submitted his report. 
I logged onto the Insurance Claim Check site which showed 75 %, I phone and complained they stated we needed to set up another inspection. Days later we received a call from XXXX ( Inspection Company ) and they were not understanding this as they submitted a report of 100 %. I believe there was communication between XXXX and Loancare as a few days later the inspection showed 100 %. I was not able to see the 75 % inspection online and requested a hardcopy be mailed ( which I received ), this report was incorrect with obvious errors!! 
On XX/XX/XXXX I spoke with XXXX -resolution team-insurance claim check- I was told that she saw the issue and that she would expedite the balance payment as everything was complete. 
XX/XX/XXXX I phone and XXXX confirmed that the payment was being processed and payment will come via XXXX. 
XXXX XXXX up call today as there is nothing about a check being released. I was told via XXXX and then XXXX ( resolution team ) that they are requesting a paid receipt from our siding/gutter contractor that was completed last year.

At this point we have fronted all of the funds and are trying to recoup what is owed us!

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 2025-08-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC.
State: FL

Complaint narrative:
I have a limited purpose flexible spending account through optum bank. On XX/XX/XXXX a transaction was initiated without my knowledge or consent to transfer out over {$2000.00} from this account into a separate account which I now have no access to. There was no offer to undo this transaction despite my request. I was denied access to speak with either a supervisor or the banks compliance department during the call. My money has been moved without my consent with no ability to get it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: HI

Complaint narrative:
AMEX wrongfully closed my XXXX account, under name XXXX XXXX XXXX. I gave no authorization to close this account, representatives are not providing any reason. I suspect that they closed the wrong account, I requested my Amex Blue Cash account to be closed on XX/XX/year>. On XX/XX/year> my Amex XXXX card got declined when out with my family, I immediately called and representative said I requested this account to be closed due to annual fee. I have not spoken to anyone or given anyone permission to close my XXXX account. I am worried that this will negatively affect my credit score since the account is closed. If this is the case I would like compensation for the damages.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-04 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED.

I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2025-08-04 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: FL

Complaint narrative:
I just pulled my credit report, and Im seeing a bunch of accounts that DO NOT belong to me. On top of that, youre reporting late payments that might not even be legit. This needs to be fixed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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:
I just pulled my credit report, and Im seeing a bunch of accounts that DO NOT belong to me. On top of that, youre reporting late payments that might not even be legit. This needs to be fixed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. 

These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent 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 2025-08-04 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: CA

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. 

These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent 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 non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I am writing to formally dispute a recent transaction involving a {$750.00} payment I made to my closed Capital One credit card Platinum account. My account had a {$0.00} balance at the time of closure, and I mistakenly submitted while applying to an XXXX XXXX Credit Card a {$750.00} " Balance Transfer '', believing it would increase my available credit to the new credit card.

Instead of returning the overpayment to me, Capital One transferred the {$750.00} to the credit card account I opened with XXXX XXXX + fees ( {$22.00} ). However, I did not request or authorize any balance transfer, for there was NO outstanding balance on my Capital One Platinum account. This transfer appears to have been made in error.

I respectfully request the following : A full refund of the {$750.00} overpayment & transfer fees XXXX XXXX is charging me.

An explanation of why the funds were transferred to a third-party account without my authorization.

Confirmation that no fees or negative impact to my credit report occurred as a result of this incident.

Enclosed are copies of my final Capital One statement showing a XXXX balance, a confirmation of the {$750.00} payment, and statements from XXXX XXXX showing no previous balance. 

Please investigate this matter and respond in writing within 30 days, in accordance with the Fair Credit Billing Act. I appreciate your prompt attention to this issue. 

This is now a XXXXXXXX XXXX debt that has come to me out of the blue for a " balance transfer '' that should have been denied '' for there was no balance to be transfer. 
There was no debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute the current reporting status of my account with XXXX, which is still showing as delinquent on my credit report, even though the account was brought fully current on XX/XX/year>. 

I was not aware that this account was past due until I reviewed my credit report. Once I became aware, I immediately contacted the company to correct the previous months reporting, but they refused to make any adjustments. Regardless, I took full responsibility and brought the account current on XX/XX/XXXX. 

Their last reported update to the credit bureaus was on XX/XX/year>, before I brought the account current. Now that it is well past XX/XX/XXXX, the account should reflect its updated and current status, yet it still shows as delinquent, which is negatively impacting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: World Acceptance Corporation
State: CA

Complaint narrative:
Entities providing information to CRAs ( furnishers ) must provide accurate information, investigate consumer disputes, and correct or update inaccurate information they have furnished. 
CRAs must maintain reasonable procedures for accuracy, investigate consumer disputes, limit disclosures to permissible purposes, and provide consumers with access to their reports. There are time limits for reporting negative information, and the FCRA includes provisions for fraud and identity theft protection.

Company response to consumer: Closed with explanation