vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX  on XX/XX/XXXX with a balance of {$610.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX . These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I got scammed for {$90.00} bucks for a nail service that I wanted to get. I never received the service and I gave them clear evidence that the money was stolen from me and that I never received the service. They denied my dispute and I am out {$90.00} because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-02 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: CT

Complaint narrative:
I Bank with Chime Bank on Friday my weekly medical payment of XXXX dollars arrived in my account and within XXXX min it was taken out with XXXX charges from XXXX pay XXXX all sop and someone named XXXX I received a text asking if I authorized the charge and I said No I check my account and chime allows these charges depleting my entire medical payment I called fri sat sunday mon I have been hung up on told nothing I can do the investigation XXXX take up to 90 days just wait be patient I emailed XXXX XXXX the ceo of chime no response I reached out the chime on XXXX XXXX told to call in in 4 days I have spoken to XXXX representatives XXXX supervisors and all say sorry you must wait the ceo has yet tonrespond I provide XXXX documents to support the claim of grains and even the day after we cancelled my card chime saw which I screed shorted and sent to them metapay was still trying to charge my account under a different name and I even reached out to metapay with a rep on the phone I am out XXXX dollars and no one in chime is helping as a financial institution if a consumer declines a charge how does this even happen and the lack of accountability and resolution skills chime shows is beyond horrible I am XXXX fixed income and can not eat pay for my medicine which keep me alive or my temporary housing now and I am getting nowhere with Chime

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: TN

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Equifax 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I filed a formal dispute with Equifax to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Equifax responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Equifax for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am currently in the process of closing on a mortgage, and I am under strict time constraints with only XXXX week remaining to finalize my home purchase. Equifaxs refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future.

I respectfully request that the CFPB take immediate action to ensure Equifax fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Equifax be held accountable for the injury and distress they have caused.

I am attaching supporting documents, including copies of my dispute submission and Equifaxs stall letter, should you require further evidence of their noncompliance. 

Thank you for your immediate attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: NJ

Complaint narrative:
I am writing to formally dispute the collection accounts listed as XXXX XXXX XXXX and XXXX and Associates on my credit report. This account was purchased by a third-party debt collector, and I am requesting that it be deleted due to multiple inaccuracies : - The status of the account is incorrect. 
- The reported amount is inaccurate. 
- The account was settled for less than the original balance by the third-party debt collector. 
Attached are copies of my credit reports with the relevant information highlighted. These clearly show that the information being reported is neither accurate nor complete, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) .Furthermore, the credit report does not indicate how much the collection company paid for the debt, raising concerns about the legitimacy of the reported amount. Given these discrepancies, I am requesting the immediate deletion of this account from my credit file.Thank you for your prompt attention to this matter. Please provide confirmation in writing once the account has been removed.

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 2025-06-02 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$610.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: CA

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX  regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: NC

Complaint narrative:
XXXX  - I was never late on this account, please remove late payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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:
XXXX  - I was never late on this account, please remove late payment history.

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 2025-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
We opened two Capital One Basic Business Checking accounts on XX/XX/year> one for XXXX XXXX  and one for XXXX  XXXX XXXX. While XXXX XXXX is operating normally, the XXXX XXXX account is under a prolonged investigation by Capital One with over {$100000.00} in deposited checks being held without any written explanation. 

The funds from our first deposit were initially released, then suddenly reversed and placed on hold without any phone or written notice. We have since deposited additional checks now totaling over {$100000.00} which are also held. 

Weve called Capital One repeatedly. Each time, were told the matter is under investigation, but no reason is provided, and no timeframe is given. This has left us unable to pay vendors or run payroll, and is severely impacting our business operations.

We sent a written letter to Capital Ones executive office and received no response. We are asking the CFPB to intervene and require Capital One to release the funds or at least provide a clear reason and timeline for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: IN

Complaint narrative:
Discovering an error indicating a late payment on my account, despite my consistent adherence to payment deadlines, is disheartening. This oversight is generating unnecessary stress, and I urge you to promptly rectify the situation by updating my records accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: CA

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on 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 non-monetary relief
Consumer complaint received 2025-06-02 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: TN

Complaint narrative:
I am writing to formally dispute multiple derogatory entries currently reported on my Equifax credit report. These items are challenged on the basis of inaccuracy, lack of verification, and potential identity compromise, particularly in light of the Equifax data breach, which compromised the personal and financial information of a substantial segment of the U.S. population, including my own.

I hereby request that Equifax conduct a reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, of the following accounts : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$8200.00} XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$19000.00} XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$38000.00} These accounts have been flagged because the XXXX XXXX XXXX entry lists a {$0.00} balance but is still reported as derogatory ; the XXXXXXXX XXXX XXXXXXXX Bank, and Ally Financial accounts contain high balances that may be inaccurately reported or misattributed ; and some or all of these items may result from data misuse linked to the Equifax breach and must be reverified using original source documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: IL

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-02 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I ordered from XXXXXXXX XXXX  and they provided a shipping tracking number to an address that does not exist and XXXX returned the item to sender. The original tracking number shows that the item was sent back to the company and they received it, Chase denied my claim even though i have supported documents. 

Tracking number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: TN

Complaint narrative:
I am writing to dispute the accuracy of a XX/XX/XXXX account that appears on my TransUnion credit report. In light of the TransUnion data breach, which exposed sensitive personal information to unauthorized parties, I am concerned that this account XXXX be the result of identity compromise or reporting error. I am requesting a full reinvestigation in accordance with federal law. 
The item in question is : Account Name : XXXX Account Number : XXXX Open Date : XX/XX/year> Balance : {$500.00} This account is unfamiliar to me and appears to have been recently added. Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, I have the right to dispute any item I believe to be inaccurate or incomplete. I am requesting that TransUnion verify this account with the original creditor using original source documentation. If it can not be conclusively verified, it must be removed from my credit file.

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