vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-08 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: MD

Complaint narrative:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE GRAMM-LEACH-BLILEY ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS.

EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA. 
BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING. 
THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

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 2025-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Block, Inc.
State: TX

Complaint narrative:
I had blocked XXXX play from taking money from my account a long time ago and yet they were able to take {$15.00} out smoothing like that at XXXX PM on XX/XX/XXXX which is today and I need the money back and theyre trying to get me to send more information about it so they can resolve the issue and I dont have any more information. All they need to know is that they failed to block XXXX from taking money from me I did my part. I blocked them a long time ago when they were trying to take money from me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: TX

Complaint narrative:
XX/XX/XXXX am submitting to formally dispute certain inaccurate information being reported on my credit file. After a careful review of my credit report, I discovered multiple addresses, a name variation, and account listings that appear incorrect or unverifiable. As a consumer, I am exercising my rights under the Fair Credit Reporting Act (FCRA) to ensure that all data reported under my name is complete, accurate, and properly verified.XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX,XXXX,XXXX XXXX XXXX balance$0XXXX XXXX OF TX XXXX balance $XXXX XXXX XXXX XXXX balance $XXXX XXXX XXXX balance $XXXX XXXX XXXX balance $XXXX XXXX XXXX XXXX  balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXASXXXX XXXX XXXX XXXX XXXX TEXAS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX'

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 2025-11-08 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: MD

Complaint narrative:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE GRAMM-LEACH-BLILEY ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS.

EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA.

BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING.

THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

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 2025-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XX/XX/year>, unauthorized XXXX XXXXrelated charges appeared on my Citibank XXXX XXXX account. I never set up XXXX XXXX or authorized any digital wallet use. Despite my written and phone requests to block wallet access, Citibank twice forwarded new replacement card details into XXXX XXXX without my consent. I reported the fraud immediately but received no written acknowledgment or confirmation. Each time I contact Citibank, Im routed through automated systems and must start over. Im asking for written proof my account is secured, that all digital wallet links are removed, and that Citibank review its procedures to prevent this from happening again.

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 2025-11-08 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: Experian Information Solutions Inc.
State: NM

Complaint narrative:
A hard inquiry was on my credit report from XXXX XXXX XXXX XXXX XXXX. I have not applied for anything nor have I authorized any inquires into my credit. After this was done XXXX XXXX XXXX tried to charge a credit card that has never been used in their establishment nor have I ever authorized or presented a credit card to be used .the charge was on XX/XX/scrub>XXXX  for {$200.00}

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 2025-11-08 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: NM

Complaint narrative:
A hard inquiry was on my credit report from XXXX XXXX XXXX XXXX XXXX. I have not applied for anything nor have I authorized any inquires into my credit. After this was done XXXX XXXX XXXX tried to charge a credit card that has never been used in their establishment nor have I ever authorized or presented a credit card to be used .the charge was on XX/XX/scrub>XXXX  for {$200.00}

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 2025-11-08 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: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-08 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: CA

Complaint narrative:
I filed a dispute with Chime on XX/XX/2025 for an unauthorized charge of XXXX XXXX XXXX  and XXXX XXXX cents made by XXXX XXXX on XX/XX/2025. I assisted the investigation by providing the chat between the merchant and I, providing written statements about my relation with merchant and the withdrawal, evidence of email notices from the merchant stating they are going to make " unusual withdrawals '' to the card set as default which was not in relation to the card that was charged and not set as default nor authorized for payment. 

Chime stated that the investigation would be completed by XX/XX/2025 and provided a provisional credit on XX/XX/2025. The day after I exhausted the Credit on XX/XX/2025 I received a notice that chime completed their investigation and concluded that " no error was found ''. Upon receipt of this notice I sent a correspondence the same day XX/XX/2025 requesting all documentations used to reach this conclusion including communications with the merchant, and internal communications. By XXXX  XX/XX/2025 I sent an follow up email regarding my request of documents, I did not receive a response from Chime. On XXXX  XX/XX/2025 Chime reversed the provisional credit, closed the dispute and did not communicate nor supply any requested documentation from the investigation. 

I am officially filing a complaint against The XXXX, XXXX and Chime Financial Inc for violation of my rights under 12 CFR 1005.11. I believe this decision was made improperly and without fair or complete investigation. 

Once this matter is resolved, I plan to close both accounts associated with Chime due to their repeated failure to protect stakeholders, including myself and the public record of denied claims affecting other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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 am compelled to filing a complaint once more regarding the continued inaccurate reporting of an account that has already been disputed multiple times. Despite my prior communications, the following account remains on my credit file : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2700.00} This account is being reported as charged off, but I have never received verification that complies with federal law, and there is no XXXX issued for this alleged debt, which exceeds {$600.00}. The absence of this documentation demonstrates that the charge-off can not be legally verified or substantiated, making its continued reporting inaccurate, misleading, and harmful to my credit profile. 
Under FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), all consumer reporting agencies must maintain procedures to ensure the maximum possible accuracy of all information included in credit reports. Reporting an unverifiable charge-off clearly violates this requirement. Additionally, FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) mandates that any information disputed by a consumer be reinvestigated reasonably and deleted if it can not be verified. 
Moreover, FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits any furnisher from knowingly reporting information they know to be inaccurate. The failure to provide a 1099-C for a balance of {$2700.00} shows that this account can not meet that standard and should therefore be permanently removed from my report. 
Under FCRA 605B / 15 U.S.C. 1681c-2, unverifiable information must be blocked or deleted. This account has been disputed multiple times, yet no verifiable documentation has been provided to justify its continued appearance. Continuing to report this debt after repeated disputes constitutes willful noncompliance and a violation of my rights under the 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 2025-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/year> Sequium Asset Solutions , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Re : Debt Validation Request & Cease and Desist Account Number : XXXX To Whom It May Concern : I am writing regarding a collection notice I received from Sequium Asset Solutions , LLC concerning the above-referenced account. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting full validation of this alleged debt. Please provide the following documentation : 1. Proof that I am legally obligated to pay this debt.

2. The original creditors name and the original account number.

3. A complete itemized accounting of the amount you claim I owe, including all fees, interest, and other charges.

4. A copy of the assignment contract, bill of sale, or other documentation demonstrating that Sequium Asset Solutions , LLC has the legal right to collect on this debt. 
5. Any documentation showing the date of last activity and evidence that the statute of limitations on this debt has not expired.

Additionally, pursuant to 15 U.S.C. 1692c ( c ), I am formally requesting that you cease all communication with me concerning this account except to provide the requested validation. 
Do not contact me by phone, text, email, or any method other than postal mail. 
Do not report or continue reporting this account to any credit bureau until the debt is properly validated. 

If you are unable to provide the requested validation, you must cease all collection activities and remove any credit reporting related to this account. Continued attempts to collect without validation constitute a violation of the FDCPA and may result in legal action. 

Please direct all future correspondence regarding this matter in writing only to the address listed above. 

Sincerely, _____________________________ XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to dispute an outdated item on my credit report. The account listed as Bridgecrest Account # XXXX shows a repossession from XXXX. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c ( a ) ( 4 ) ), credit reporting agencies are prohibited from reporting negative accounts that are more than seven years old from the original date of delinquency. Since this account is now over ten ( 10 ) years old, it must be permanently removed from my credit file. The account was last updated in XXXX, which is an improper re-aging of debt and a violation of federal law. 
Furthermore, under my rights provided by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ), I am issuing a Cease and Desist directive. You are to cease all communication with me regarding this account, including any collection attempts, phone calls, or written correspondence, except to confirm in writing that you have complied with this request or to notify me of specific legal action you intend to take. 
Please investigate and delete this outdated and inaccurate account from my credit report immediately. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Whom it may concern I am writing to formally dispute inaccurate information currently appearing on my credit report regarding the above-referenced credit card account. This dispute is being made pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). 
Account # XXXX The information being reported is inaccurate and incomplete and therefore must be corrected or permanently removed. Specifically, the inaccuracies include : These errors do not accurately reflect my account history and are negatively impacting my credit profile. Under the FCRA, your agency is required to conduct a reasonable investigation of my dispute and respond within 30 days. If the furnisher of this information can not verify the accuracy of the items in question, you are required to delete them. 

Please provide me with written confirmation of the results of your investigation, as well as an updated copy of my credit report reflecting any corrections or deletions. 

Enclosed are copies of documents supporting my dispute ( if applicable ). Please review these documents thoroughly during your investigation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX last 4 SSI : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I raised a complaint with CFPB a month ago and American Express closed this complaint without refunding both the transactions that I mentioned in the complaint. 
This is the complaint : XXXX There were XXXX transactions mentioned in teh complaint. They put up a message in their " dispute section '' of XXXX of the transactions that they find merit in my dispute and refunded XXXX transaction but they closed the complaint without acknoeledging the other other which the merchant charged at the same time. 

While the details of the transactions and issues are mentioned in the complaint XXXX, here is a summary : The merchant XXXX sold me a flight ticket worth around XXXX $ which I had to reschedule. The flight was with XXXX XXXX and when I called XXXX XXXX directly, they said they were happy to reschedule the flight for free but they are not able to do it as it was booked through flighthub. So i contacted flighthub. They dont pick up the phone so I had to talk to them on chat. On chat, they dont have any human available so I had to work with their AI chatbot who basically asked me to pay 2000 $ for rescheduling fee for a XXXX $ flight ( XXXX $ listed on their own website ). To collect proof of their malicious attempt to scam me, I prompted it various dates to reschedule the flight but it asked to pay 2000 $ after everytime I confirmed the change saying " oh the flight prices increased in XXXX last few minutes by 2000 $ so I need to pay 2000 $ more ''. I took screenshots of these scam attempt and sent to amex however, for XXXX of the dates, the AI just rebooked the flight to that date and charge me XXXX for the airline scheduling fee and XXXX $ for their rescheduling for a XXXX $ flight ticket that I cant use now. And now they are not acknowledging if they were trying to scam me of 2000 $ or if they have an issue in their AI and I am stuck with this ticket on a date that I dont want to travel. 

Amex has all these screenshots but they not acknowledging the scam that this website attempted to extract 2000 $ from me and are not refunding even the XXXX $ rescheduling fee that they already admitted in the previous complaint that it has legitimate grounds for a dispute. 

I am left with a XXXX $ ticket with an additional XXXX $ fee for a date that I never wanted because Amex wants to side with a scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: MD

Complaint narrative:
My federal student loan was transferred from XXXX to a new servicer in XX/XX/XXXX. After the transfer, the new servicer began reporting XXXX and XXXX late payments for XXXX and XX/XX/XXXX. This is inaccurate because the account was in deferment, with payments not due until XX/XX/XXXX. These false delinquencies caused my credit score to drop by about XXXX points. Im requesting that the servicer and credit bureaus correct my credit reports to show the proper deferment status for those months and remove the inaccuratelatemarks.

Company response to consumer: Closed with non-monetary relief