vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 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:
In XX/XX/XXXX, I became a victim of identity theft after responding to a phishing email that appeared to come from my university ( XXXX XXXX  ) offering emergency financial assistance. Shortly after that, two fraudulent accounts appeared on my credit file one with XXXX XXXX ( opened XX/XX/XXXX, {$0.00} balance ) and another with XXXX XXXX XXXX ( opened XX/XX/XXXX, reported balance {$14000.00} ). 
I never applied for, opened, or authorized these accounts. At the time, I was an XXXX  student at XXXX XXXX XXXX  with no XXXX work authorization before XXXX, which means it would have been impossible for me to open such credit lines. 
I filed an FTC Identity Theft Report and submitted a written dispute with supporting documents to the bureay, including my ID, work authorization, and proof of address. Despite this, they failed to investigate, remove, or even respond to my dispute as required by the Fair Credit Reporting Act ( FCRA 1681i and 1681c-2 ).

I am requesting that these fraudulent accounts be permanently deleted or blocked from my credit file and that Experian provide a written explanation for their failure to act in compliance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: GA

Complaint narrative:
Cashapp has closed my account. Saying I was gambling I do not do that kind of things and nobody is trying to help me recover my account when I've been with cash app for years and I depend on it for paying bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are multiple inaccuracies on my credit report that require prompt rectification from all relevant organizations.

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 2025-11-12 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: GA

Complaint narrative:
There are multiple inaccuracies on my credit report that require prompt rectification from all relevant organizations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: SC

Complaint narrative:
I am writing to dispute the following information contained in my credit report. I have identified discrepancies in the accounts listed below, and I am requesting an investigation into these items. The following details are provided separately for each bureau : Charged Off Accounts : XXXXXXXX XXXX XXXX XXXX, XX/XX/XXXX, {$830.00} XXXX : XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$620.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$8100.00} XXXX : XXXX, XX/XX/XXXX, {$130.00} XXXX  XXXX : XXXX, XX/XX/XXXX, {$590.00} XXXX : XXXX, XX/XX/XXXX, {$0.00} XXXX : XXXX, XX/XX/XXXX, {$250.00} XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$1000.00} XXXX : XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX, {$3200.00} XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$1200.00} XXXX : XXXX, XX/XX/XXXX, {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX {$1400.00} Inquiries : 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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: OH

Complaint narrative:
I am formally disputing the accuracy and validity of a Charge-Off account currently reporting on my credit file. After a thorough review of my credit report, I have found this account to be inaccurate, incomplete, and unverifiable under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Pursuant to FCRA 602 ( A ) and 611 ( 15 U.S.C. 1681i ), I am exercising my right to dispute any information that is being reported inaccurately or can not be verified. The creditor in question has failed to provide documented proof validating the alleged debt, including a signed contract or any evidence of ownership or authorization.

Under FCRA 609 ( a ) ( 1 ), I have the right to full disclosure of all information the credit bureau has on file regarding this account, and under FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information are prohibited from reporting inaccurate or unverifiable data to consumer reporting agencies. Continuing to report unverifiable or erroneous information constitutes willful noncompliance and a direct violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: TX

Complaint narrative:
Despite repeated attempts to resolve these matters, Experian continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. 
time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

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 2025-11-12 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple XXXX  statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. 

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: UT

Complaint narrative:
About once every month I get an email from the bank telling me that I can preview my credit limit and as little as a minute. Every time I apply however the application is denied. This has happened every month for just over a year now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX Washington , DC XXXX Subject : Formal Complaint Mishandled Fraud Claim and Failure to Reimburse Unauthorized Transactions by Chime Financial Dear Consumer Financial Protection Bureau Representative, I am writing to file a formal complaint against Chime Financial , Inc. for their repeated denial of my fraud claim and failure to provide reimbursement for unauthorized transactions on my bank account. 
My account with Chime was compromised, resulting in unauthorized withdrawals totaling {$1100.00}. I immediately reported the fraudulent activity to Chime and submitted all the requested documentation, including a completed police report and supporting evidence of the transactions in question. Despite complying with all of their requirements, my claim was denied multiple times without a clear or sufficient explanation. 
This handling appears to violate my rights under the Electronic Fund Transfer Act ( Regulation E ), which requires financial institutions to promptly investigate and correct unauthorized electronic transactions. I have attempted to resolve this matter directly with Chimes Dispute Resolution Department, but they continue to deny responsibility and have not provided transparency or justification for their decisions. 
I respectfully request the CFPBs assistance in ensuring that Chime properly reopens and investigates my claim, provides a full explanation for their previous denials, and reimburses me for the total fraudulent amount of {$1100.00} as required by law. 
Attached are copies of all relevant correspondence, claim information, and my police report for your review. 
Thank you for your time and for assisting in resolving this matter. Please let me know if any additional information is needed. 
Sincerely, XXXX XXXX Claim Number : XXXX Account Number Ending In : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
XX/XX/year> JPMorgan Chase Bank , N.A . Attn : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, DE XXXX Re : FINAL DEMAND TRANSFER XXXX UR POINTS TO XXXX and {$200.00} XXXX XXXX XXXX BY XX/XX/year> Closed : XX/XX/year> | Accts : XXXX, XXXX, XXXX Dear Chase Executive Office, Thank you for your review of the accounts and confirmation that they were solely closed for Adding/ removing multiple users in a short period of time. Your closure notice and CFPB response cite only Adding/ removing multiple users in a short period of time. By definition, that is NOT misuse, fraud, or any of the enumerated reasons in XXXX XXXX XXXX  XXXX  Agreement for immediate point forfeiture. Exact UR Program Language Youll immediately lose all your points if your account is closed for misuse, fraud, or any of the following reasons : you fail to comply with other agreements we believe you may be unwilling or unable to pay we believe that youve engaged in fraudulent activity If your account is closed for any other reason, youll have at least 30 days from the date your account is closed to use your points XXXX XXXX XXXX XXXX Rule Applies If your account is closed for any reason other than fraud or abuse, you have 30 days to redeem your points. ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) Conclusion Your stated reason Adding/ removing multiple users in a short period of time. Equates to any other reason. Therefore, XXXX UR points + XXXX XXXX points are NOT forfeited and can be transferred within 30 day window. XXXX window began XX/XX/year> expires XX/XX/year> XXXX XXXX By XX/XX/year> : XXXX. Transfer XXXX UR points to XXXX of XXXX # XXXX ( XXXX, no fees ). XXXX. Transfer XXXX XXXX XXXX points to an XXXX XXXX XXXX ( XXXX per point, per program rules ). XXXX. Email confirmation to XXXX. Non-compliance triggers : XXXX Arbitration ( XXXX  Dispute Resolution ) CFPB Escalation This is your final notice. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-11-12 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: TX

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account. 

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

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 2025-11-12 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: GA

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 : XXXX XXXX  # XXXXXX -- -- Opened : XX/XX/XXXX XXXX XXXX  # XXXX -- -- XXXX XXXX XXXX  # XXXXXX -- -- XXXX XXXX XXXX XXXX # XXXX -- -- XXXX UNKNOWN # XXXX -- -- XXXX XXXX  # XXXX -- -- XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I cashed a check that was given to me for XXXX dollars at PNC bank. I do not owe an account there. However the check is from their bank. I was charged XXXX to cash the check unless I opened and account at their bank. They said that was their bank policy. Either you open an account or get changed regardless if the check was a PNC bank check.

Company response to consumer: Closed with explanation