vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 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: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Chime Financial Inc
State: MO

Complaint narrative:
I was receiving fraud alerts on my phone and actively blocking the transactions which did nothing. I then called customer service and the transactions KEPT coming in. While I was on the phone I was cut off many times so he could finish reading his script rather than actually listening. He then assured me that a claim had been filed after refusing to transfer me. I then called back and spoke to someone else who was less problematic but still lied and was unhelpful. I was assured the claim was filed a second time and that my money would be returned in XXXX business days. None of this was done. I followed up and was met with rudeness and reluctance to help until I asked to speak to a supervisor. To this, I was told that they were not allowed to transfer to supervisors. I was finally connected to the correct department and received the confirmation email that a file had been claimed that I was previously assured was " on the way ''. When I asked to speak to someone in the complaints department, I was told there was no complaints department and that the company doesn't do that. I had {$800.00} stolen with fraud protection turned on and am struggling to make ends meet because of the negligence in the policy and protocol for this bank. None of this is acceptable or professional. Once my funds are returned, I will be closing my account. I spent over XXXX hours on the phone and was told that accurate records were kept but no one could find anything I was saying in said supposed records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: MO

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX XXXXXXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$710.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXXI Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: AL

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX  XXXX XXXX AL XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$230.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3800.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$490.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX I Date : XX/XX/XXXX XXXX XXXX Date XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: 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 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 2025-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to tak timely and effective measures to prevent a address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution proces. was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: OK

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-14 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: OK

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-14 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX GA XXXX ACCOUNTS : XXXX XXXX XXXX IN - Account Number : XXXX * * * XXXX, Date Opened : XX/XX/year>, Balance : {$990.00}

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 non-monetary relief
Consumer complaint received 2025-07-14 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: NJ

Complaint narrative:
I am writing to formally dispute a credit inquiry that appears on my credit report. I did not authorize this inquiry, and it was made without a permissible purpose under the Fair Credit Reporting Act ( FCRA ). 

Let me be very clear : I did not apply for credit, services, or any transaction that would warrant this inquiry. Whoever pulled my credit had no legal grounds to do so, and this unauthorized inquiry is a direct violation of my rights under the FCRA, which strictly limits who can access a consumers credit report and for what reasons. 

This inquiry is not only unwarrantedits damaging. Hard inquiries affect my credit score and overall financial profile, and in this case, I am being penalized for something I never agreed to or initiated. Thats unacceptable.

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 2025-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 explanation
Consumer complaint received 2025-07-14 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: NY

Complaint narrative:
XXXX - XX/XX/XXXX - {$300.00} XXXX XXXX - XX/XX/XXXX - {$540.00} XXXX - XX/XX/XXXX - {$280.00} XXXX XXXX  XXXX - XX/XX/XXXX - {$10000.00} XXXX CARD - XX/XX/XXXX - {$15000.00} XXXX  - XX/XX/XXXX - {$1500.00} XXXX  XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XX/XX/XXXX - {$4100.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$12000.00} XXXX - XX/XX/XXXX - {$0.00} XXXX  XXXX - XX/XX/XXXX - {$7600.00} XXXX  - XX/XX/XXXX - {$1700.00} XXXX XXXX XXXX - XX/XX/XXXX - {$20000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX - {$7800.00} XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$3400.00} XXXX CARD - XX/XX/XXXX - {$870.00} XXXX - XX/XX/XXXX - {$0.00} XXXX  XXXX - XX/XX/XXXX - {$11000.00} XXXX  - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: NY

Complaint narrative:
XXXX - XX/XX/XXXX - {$300.00} XXXX XXXX - XX/XX/XXXX - {$540.00} XXXX - XX/XX/XXXX - {$280.00} XXXX XXXX  XXXX - XX/XX/XXXX - {$10000.00} XXXX CARD - XX/XX/XXXX - {$15000.00} XXXX  - XX/XX/XXXX - {$1500.00} XXXX  XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XX/XX/XXXX - {$4100.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$12000.00} XXXX - XX/XX/XXXX - {$0.00} XXXX  XXXX - XX/XX/XXXX - {$7600.00} XXXX  - XX/XX/XXXX - {$1700.00} XXXX XXXX XXXX - XX/XX/XXXX - {$20000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX - {$7800.00} XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$3400.00} XXXX CARD - XX/XX/XXXX - {$870.00} XXXX - XX/XX/XXXX - {$0.00} XXXX  XXXX - XX/XX/XXXX - {$11000.00} XXXX  - XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
XX/XX/year> I had several XXXX  XXXX  charges that took place due to my device being missing I called immediately to have these charges disputed along with other charges Sofi bank with XXXX hours came back with a denial stating there was no error the problem is how do you determine that in XXXX hours they never reached out to the merchant to confirm anything because I spoke with the merchants and merchants confirmed that Sofi never even sent them any documentation!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: TN

Complaint narrative:
I previously received a response that failed to address the legal inconsistencies and consumer rights violations outlined in my initial dispute. This complaint is to escalate the matter further. I have submitted prior disputes, and I recently received a notice claiming that the information was verified. However, no documentation proving this verification was ever provided to me, nor was I shown what methods or records were used. The company failed to provide a signed contract or documentation proving that I opened or authorized the alleged accounts, which is required under the Fair Credit Reporting Act ( FCRA ). This discrepancy raises serious concerns about the accuracy and validity of their verification process. As someone impacted by the 2017 Equifax data breach, it is highly likely that my information was compromised, which may have led to unauthorized accounts being opened. Under the Fair Credit Reporting Act ( FCRA ) Section XXXX ( a ) ( XXXX ), I am legally entitled to a full disclosure of the sources and documents used to verify these accounts including original signed agreements. Furthermore, the credit bureau can not legally verify this information by simply calling the furnisher this violates FCRA obligations for reinvestigations under Section XXXX and procedures under Section XXXX ( b ) which require reasonable procedures to assure maximum possible accuracy.

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 2025-07-14 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: CA

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

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES : XXXX Date : XX/XX/year>XXXX XXXX Date : XX/XX/year> XXXX Date : XX/XX/year>XXXX XXXX Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: OH

Complaint narrative:
I am filing this complaint under the Fair Debt Collection Practices Act ( FDCPA ) and FCRA due to multiple violations by this debt collector. 

Despite lawful demand for debt validation under 15 USC 1692g ( b ), the company has failed to provide verification but continues to report and collect on an alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$7800.00} UNAUTHORIZED COLLECTION - Account Number : XXXX * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$240.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK
State: PA

Complaint narrative:
The problem started in XXXX of XXXX when Discover Card Services changed my monthly bill date without any prior notification. I was recovering from a job loss at that time and this unexpected change made it more difficult for me to make my monthly payment. I have worked out a plan for myself to get the past due balance caught up and I have made several calls to the company in the last few months. Over that time I have been given misinformation about different programs that I can enroll in to get caught up. After speaking with XXXX different representatives in XX/XX/XXXX I was given differing information about the same programs. I was also given differing information regarding the autopay feature that I opted back into as part of my resolution to my past due balance caught. When I asked to speak with the Complaint Dept, I was refused this option. I believe the company is purposely providing misinformation to customers to be able to keep charging late fees and such.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WSFS FINANCIAL CORPORATION
State: NY

Complaint narrative:
Overall timeline XXXX - Account opened with WSFS Bank XX/XX/XXXX - Accidental XXXX transaction of {$2000.00} into XXXX account from my XXXX Bank account. I meant to move money from my XXXX Bank account to my XXXX account but this is beyond the point. 

XX/XX/XXXX - I attempted to move the money out of the XXXX account into my XXXX account. First, I tried XXXX which was unsuccessful. Then, I did an external transfer into the XXXX account which XXXX approved and did trial deposits to prove it was a real attempt. This initially worked but then I received an email later in the day that this transfer has been canceled. I called customer service and was notified that my account would be closed for fraud related issues. 

XX/XX/XXXX - Email from XXXX that a new bank statement is available. This is almost XXXX weeks since I was told the account would be closed. 

Between XX/XX/XXXX and today XX/XX/XXXX, I have called XXXX customer service at least XXXX  times attempting to gain more information. Agents have said they " don't know when the account will be closed '' and " security is having trouble returning the funds to the account the {$2000.00} was sent from ''.

Company response to consumer: Closed with explanation