vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed '.

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 2025-10-05 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: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX Experian PXXXX XXXXXXXX XXXX XXXX XXXX XXXX, UT XXXX Dispute of Unauthorized Hard Inquiries To Whom It XXXX Concern, I am writing to dispute the following hard inquiries reported on my XXXX  credit report : XXXX XXXX XXXXXXXX ( Inquired on XX/XX/XXXX ) - XXXX XXXX  ( Inquired on XX/XX/XXXX ) - XXXX XXXX  ( Inquired on XX/XX/XXXX ) I did not authorize these inquiries nor did I apply for credit with these institutions on the dates indicated. I respectfully request that you investigate these entries, provide documentation of my written consent ( if available ), and remove any inquiries that can not be verified or are proven to be unauthorized. 

Please send me written confirmation when the investigation has been completed. You may contact me at the address above for further information.

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I tried to withdraw money from the ATM it said that I could not. I tried to order my XXXX it's in that I could not. I tried to make a purchase online it said that I could not. I checked my balance in the app I had plenty of money and it still would not let me use my money. This is not the first time this is has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed '.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: NV

Complaint narrative:
Excessive charges for selling bitcoin and then transferring money to my account. 
Literally no one has to do anything to complete these actions. Im not expecting anything for free but XXXX you dont have to steal from me. I'll be looking for other options but it the meantime put a check on your greed and you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
This account is inaccurate and unverifiable under FCRA 607 ( b ) and 611 ( a ). Please require TransUnion to provide full documentation including the original signed agreement, complete payment history, and charge-off record.

If the account can not be fully verified within 30 days as required under 15 U.S.C. 1681i ( a ), it must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc
State: LA

Complaint narrative:
XX/XX/year> Chime automatically transferred money from my Checking account to the XXXX XXXX account because i have a negative balance in my credit builder account. i did not authorize this. Chime did not ask me about this. i didnt know this would happened. if i did i would not have transfer the money from XXXX to my Chime account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-05 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-10-05 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: M&T BANK CORPORATION
State: TX

Complaint narrative:
The presence of adverse information on my credit file has become a source of major distress and anxiety for me. I am extremely troubled by how this negative entry is affecting my financial opportunities and creditworthiness. This derogatory mark has already led to the rejection of a recent credit application and has caused my current lenders to raise the interest rates on my accounts. I need to stress the substantial economic hardship and personal strain that this negative reporting has inflicted upon me and will continue to inflict unless it is properly addressed and corrected.

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 2025-10-05 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: Radius Global Solutions LLC
State: MD

Complaint narrative:
I have sent cease and desist letters to collection acencies that have not followed the cease and desist. Im getting constant emails and calls from the companies. I never consented to them buying my debt.

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 2025-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: CAINE & WEINER COMPANY, INC.
State: MA

Complaint narrative:
I want this account verified completely please cause is been since I didnt have a car. On my and the car insurance send me to collections for deft that have nothing to do with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-10-05 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: Early Warning Services, LLC
State: CA

Complaint narrative:
I am a victim of identity theft. Early Warning Services has reported inaccurate and fraudulent information in my name. A bank account was opened without my knowledge or authorization, and this fraudulent activity has been wrongly linked to me.

As a result, I have been flagged in Early Warning Services system, which is interfering with my ability to open and maintain legitimate bank accounts. I did not open or authorize the account in question, and I am not responsible for the activity being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
To Whom It May Concern, This is my final notice about the inaccurate reporting of a discharged XXXX XXXX bankruptcy on my credit file. I have already disputed this and provided you with all the information necessary, yet it remains unverified and improperly reporting. Your continued failure to correct this is a clear and knowing violation of federal law. 
Let me be perfectly clear : I am the consumer. This dispute is coming directly from me not a third party and I will not accept another stall letter, generic template, or canned response. This matter has already been reported to the Consumer Financial Protection Bureau ( CFPB ) and will be escalated further if you do not immediately act. 
Item in Dispute : XXXX  XXXX Bankruptcy XXXX. The status is incorrect for the following account XXXX  XXXX bankruptcy discharged Case Number : XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: PA

Complaint narrative:
XX/XX/XXXX at XXXX XXXX  I had transferred {$180.00} to my checking account. At this time I had a balance of - {$160.00} on my credit builder account. Once my transaction of {$180.00} was posted to my account. It was immediately transferred to my credit builders account to pay the debt of {$160.00} without my consent. I have made note to several customer representatives ( that in the past, I have added money to my account plenty of times while having a debit amount on my credit card and no money was taken without my consent. ) ive also made aware to the representative that with the transaction I am making to pay my rent ( the {$170.00} available on my XXXX XXXX ) would not help me to make this transaction as I need the amount of {$290.00} available already on my checking account and that the transaction made will not take into consideration of {$170.00} made available on my XXXX feature with my Chime account. Once told several times that I can not get a refund on this transaction with no detail explanation Ive requested that I have made to me {$290.00} available on my XXXX credit limit feature of on Chime so that I can pay my rent. I was then told several times that the request could not be made, again with no detailed explanation. I have had XXXX managers hang up on me. Ive had a customer representative provide me misleading information advising me to request my {$290.00} with a website called XXXX I was put under the impression that this company was with Chime. I made a request for {$290.00} then got denied and now I have a hit on my credit report. So now not only am I low on money to pay my rent and Im now facing eviction because of this, but I also have a hit on my credit report due to misleading information provided by Chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
Name : XXXX XXXX XXXX : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Company : Fair Collections & Outsourcing , Inc. ( FCO ) Account Number : XXXX Complaint Summary : I am filing this complaint against Fair Collections & Outsourcing ( FCO ) for reporting an inaccurate debt amount to credit bureaus and for continuing to pursue collection despite receiving documentation that proves I do not owe any balance. 

I previously lived at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. 
After moving out, I received a settlement statement showing Total XXXX  Charges : {$550.00}, which included : {$140.00} for cleaning {$310.00} for painting {$100.00} for carpet cleaning However, my original security deposit was {$600.00}, meaning I should have received a refund of {$43.00}, not a bill. 
Despite this, FCO has reported a collection account of {$3800.00} to credit bureaus without any prior notice or validation. 

According to California Civil Code 1950.5, landlords can not charge tenants for normal wear and tear such as painting or carpet cleaning after long-term occupancy. 
I lived there nearly XXXX years, so these costs are considered the landlords maintenance responsibilities not tenant damages. 

I have already sent FCO a Debt Validation Letter and included proof that the reported balance is incorrect. 
They have not corrected the error, and the false collection entry is still affecting my credit.

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 2025-10-05 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:
TransUnion has failed to safeguard my sensitive personal information, as confirmed by the recent data breach impacting more than XXXX XXXX consumers in XX/XX/year>. Highly sensitive data including Social Security numbers, dates of birth, and other identifiers were exposed due to TransUnions reliance on an unsecured third-party system. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to 1681e ( b ) ( duty to maintain maximum possible accuracy ) and 1681b ( permissible purposes ). In addition, inaccurate and unauthorized information remains on my credit file, which TransUnion has a statutory duty to delete or correct under 1681i. This breach and the continued reporting of unverifiable data put me at risk of identity theft, fraud, and financial harm.

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 2025-10-05 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: GA

Complaint narrative:
I am filing this complaint against Experian Information Services LLC for serious and repeated violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), Metro 2 Reporting Standards, the Fair Credit Billing Act ( 1666b ), the Uniform Commercial Code, and IRS Publications 535 and 4681. 

Experian is inaccurately reporting several accounts on my credit file, including XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX 
These tradelines contain false, incomplete, or contradictory information and have never been properly verified.

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 2025-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Dovenmuehle Mortgage, Inc.
State: SC

Complaint narrative:
Im trying to assume loan from my deceased mother and its under the XXXX of my moms name and Im on deed of distribution ; also am protected under certain federal laws for assuming my mothers loan ; Under the XXXX XXXX XXXX XXXX heirs have a right to assume an existing mortgage on an inherited property without credit approval. I also saw that my credit was ran by mortgage company and I have already been through the probate court process and Im also the successor in interest ; the only way for my loan to be modified is if I assume the loan so my house wont be foreclosed on ; I did every task asked and on time and always provided paperwork immediately. I have also completed all my trial payments on time so loan can be modified but keep getting denied because the company wont let me assume loan. I will also provide deed of distribution paperwork and a screenshot that my credit was ran even though they wasnt supposed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
The presence of adverse information on my credit file has become a source of major distress and XXXX for me. I am extremely troubled by how this negative entry is affecting my financial opportunities and creditworthiness. This derogatory mark has already led to the rejection of a recent credit application and has caused my current lenders to raise the interest rates on my accounts. I need to stress the substantial economic hardship and personal strain that this negative reporting has inflicted upon me and will continue to inflict unless it is properly addressed and corrected.

Company response to consumer: Closed with explanation