vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 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 do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity.

Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( 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 2025-11-07 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Optio Solutions, LLC
State: GA

Complaint narrative:
They were reporting the incorrect amounts I had I call my property and they fixed the amount the D debt was paid and my rental company gave me a payoff email, but then when contacting the creditor they refuse to give me a payoff letter as well as the credit bureau and update the balance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: OH

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : 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 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 explanation
Consumer complaint received 2025-11-07 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: LA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

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 explanation
Consumer complaint received 2025-11-07 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: TX

Complaint narrative:
Please go over this entryit appears to be inaccurate and delayed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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:
Multiple inaccurate, unverified, and unsupported accounts are being reported on my credit profile. I have already disputed these items directly with the credit bureaus, but they continued to publish the same information without providing any proof or validation.

I have not received any original signed contracts, any lawful documentation proving ownership, or any verifiable evidence that these accounts belong to me. The bureaus have continued to report these items even after being notified that they are inaccurate and unverified. This has caused financial harm, credit score damage, and negative impact to my consumer standing.

I am submitting this CFPB complaint because the bureaus have failed to correct or remove these unverifiable items after my disputes, and these items should be removed since they can not be validated.

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 2025-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
I have an issue with Chime mobile bank in regards from renting from XXXX rental car I filed a dispute because of the vehicle have had a blowout on the highway on XXXX I called XXXX to pick up the vehicle and called Chime to help issue me a refund while filing a dispute to get the money back from XXXX I sent the photos of the damages of the car and give the contract of the rental agreement and the statement of XXXX stating that the vehicle is being repaired, I give Chime all of the evidence but still denied my dispute I need the Consumer Financial Protection Bureau help with this issue with chime mobile banking Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: NV

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of Americas XX/XX/XXXX letter does not adequately address my concerns. 

1. They still have not explained why I was denied an account at the XXXX XXXX XXXX XXXX XXXX XXXX ) branch on or about XX/XX/XXXX. Claiming the branch does not recall the interaction is not a valid response. 

2. The apology provided by XXXX. XXXX is generic and does not address the specific misconduct by Resolution Specialist XXXX XXXX, who ignored multiple calls and emails and gave evasive, non-substantive answers. 

3. The bank claims to have mailed me a response on XX/XX/XXXX, but I never received it. They have provided no proof of delivery or acknowledgment. 

4. They now claim that my XXXX dispute was approved on XX/XX/XXXX, but have provided no documentation of the credit being issued. As of this date, I have not confirmed the funds in my account. 

I respectfully request CFPB to continue reviewing this case, as Bank of Americas pattern of poor communication, vague explanations, and unverified claims continues to show bad faith.

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 monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am an active-duty XXXX XXXX XXXX XXXX I signed a residential lease with XXXX XXXX XXXX before entering XXXX XXXX and lawfully terminated it under the Servicemembers Civil Relief Act ( XXXX XXXX. XXXX ) when I received military orders to report for duty on XX/XX/year>. 

Despite proper notice and documentation, XXXX XXXX placed a {$370.00} balance with XXXX XXXX XXXX, which reported it as a collection account ( # XXXX ). I provided my military orders and requested deletion under SCRA protections, but both parties refused to remove or correct the record.

This debt is not legally owed and its continued collection and reporting violate the SCRA and the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: PA

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update e records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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:
Hello. Basically on XX/XX/year> I booked a XXXX  ( monthly rental ) and upon arrival the house was filthy and inhabitable. The floors were filthy, the air vents were filled with mood and dust and house was basically not as advertised at all. I am a XXXX veteran with have breathing problems and due to the house be filthy and unclean I was unable for to even stay in the residence without getting sick. I had to sleep in my car. I even contacted XXXX customer service who even told me that a chargeback could be filed in my case as I qualify for XXXX. I included XXXX 's email below. 

Once I realized I was scammed, we immediately filled a dispute with my bank ( XXXX ) and successfully filled a dispute and ask for a chargeback. So far it has been over 40 days and we have yet to have any update to my dispute case at all. We need the funds as we stay XXXX days at a time and the amount we were scammed for is rent for XXXX days. They also told us for some odd reason that my case was not eligible for a provisional credit. So we have been stuck with no money and no place while we wait for a dispute that's taking too long.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: NJ

Complaint narrative:
I reviewed my consumer reports and noticed that I had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XX/XX/25 ]. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

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 2025-11-07 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: NJ

Complaint narrative:
I reviewed my consumer reports and noticed that I had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XX/XX/25 ]. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: NC

Complaint narrative:
On Monday, XX/XX/year>, my mortgage broker notified me that my loan application was stalled due to a dispute flag on a collection account showing on my credit reports. 

I immediately contacted all three credit bureaus. I successfully reached a representative at XXXX via live chat, and I was able to address and clear the flag with XXXX. 

However, the dispute flag still remains on my Equifax report, which is the focus of my current complaint. Although I was able to speak with an agent at Equifax by phone to verify information, the underlying issue was not resolved, and the flag persists. 

I urgently need this dispute flag removed from my Equifax report. The continuation of this unresolved flag is detrimental to my financial future and is preventing my mortgage application from proceeding. Equifax 's failure to clear this issue after contact is jeopardizing my ability to secure my housing loan. 

The flag is on the XXXX Collections and XXXX account. It says " This Item is in Dispute '' I am attaching a copy of my most recent credit report for proof of this. This flag needs to be removed from the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE

Complaint narrative:
I was supposed to receive some cash through Western Union ( USA ) on XX/XX/year>. However, one digit was missing from my account number, making it XXXX digits instead of XXXX. All the other details, including my name and phone number, were correct. Because of the missing digit, the money was not deposited into my account. 

I immediately informed both my bank and Western Union, requesting them to assist in refunding the money to the sender. Unfortunately, we have been going back and forth for the past four months. Western Union advised me to follow up with my bank, but my bank referred me back to Western Union, explaining that only they can handle the refund. Western Union then asked me to provide proof that the money had not been deposited in my account. I sent them a verified bank statement as proof. However, to date, they are still conducting an investigation. We have made several calls, but we are tired of being taken back and forth, and the sender is almost giving up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: OH

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items.

The identity of the entity/entities responsible for carrying out this verification.

Any documentation or evidence used to support the accuracy of the disputed items.

I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Payward Ventures Inc. dba Kraken
State: MI

Complaint narrative:
On XX/XX/year>, my Kraken account was flagged due to a chargeback. I resolved the issue within one week, yet Kraken continued to restrict my account without justification. Despite multiple follow-ups, my access remained blocked. 

In XXXX, I attempted to deposit XXXX ( XXXX ). That deposit has been pending for months and was never credited to my account. 

On XX/XX/XXXX, I tried to withdraw USD funds. The withdrawal was denied due to unresolved restrictions that should have been lifted long ago. 

On XX/XX/XXXX, I contacted Kraken support for the fourth time, requesting that my account be closed and my funds released. Their assistant XXXX confirmed that closure would proceed after withdrawalbut no action has been taken. 

As of XX/XX/year>, I still have no access to my funds, no resolution on the pending deposit, and no confirmation of account closure.

-- - Violations Summary Kraken has failed to honor its custodial obligations and consumer protection standards. My account remains restricted despite resolving the chargeback. My XXXX  deposit is still pending. My withdrawal attempt was blocked. And my closure requestconfirmed by supporthas been ignored. 

I am filing formal complaints with the CFPB and Michigan DIFS, and I will escalate this publicly if Kraken does not immediately release my funds and confirm account closure.

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 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: PA

Complaint narrative:
My cashapp was hacked in early morning hours, I provided them every detail of the account including a screenshot of text messages showing my information being removed and changed from the account. They neglected to assist in recovering the account even after all information was accurately provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Good morning, On XX/XX/XXXX I attempted to transfer {$420.00} from my Venmo account to my linked personal bank account at XXXXXXXX XXXX. Unbeknownst to me, the nationwide XXXX outage occurred later that day and my bank rejected the transfer. I called Venmo on XX/XX/XXXX to ask them the status of my transfer. They told me to call my bank, which I did. My bank confirmed that the bank rejected the transfer and it never went through. So I expected the {$420.00} to still be in my Venmo account. However, my balance is {$0.00}. Since then, I have repeatedly emailed Venmo support and have given them anything they ask for, including bank statements showing my transaction history for the month of XXXX. However they keep " moving the goalposts '' and canceling my disputes arbitrarily. My Venmo account still shows {$0.00}. Venmo has also confirmed with my bank XXXX via email that the money never went through. However Venmo at this point has not returned my {$420.00}. Please assist. 

Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief