vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 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: PR

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing the following accounts on my TransUnion credit report. The accounts listed below are incorrect and I request that they be thoroughly investigated. 

CHARGED OFF XXXX  Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$3300.00} XXXX  Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX  Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$4000.00} XXXX  Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX  Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$4700.00} XXXX  Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX  Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$330.00} INQUIRIES XXXX XXXXnquiry Date : XX/XX/XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX LATE PAYMENTS XXXX XXXX XXXX Account Number : 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 2025-12-16 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: NC

Complaint narrative:
Dear Sir/Madam, I am submitting this dispute to address the discrepancies on my credit reports with Experian ( EX ), The following accounts are disputed due to inaccurate reporting or incomplete information. I am requesting that you investigate these accounts and correct the inaccuracies as outlined. 

CHARGED OFF XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$24000.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$5500.00} INQUIRIES XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX LATE PAYMENT 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 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
Factual Statement of Unauthorized Charges and Improper Dispute Denial I am submitting this complaint regarding Chime Financial , Inc.s handling of unauthorized electronic fund transfers and its denial of my dispute in apparent violation of the Electronic Fund Transfer Act ( EFTA ) and Regulation E, 12 C.F.R. 1005.11. 

Multiple transactions were posted to my Chime account by a merchant identified as XXXX XXXX XXXX  / XXXX XXXX XXXX. These transactions were unauthorized. At no time was my debit card lost, stolen, or voluntarily shared, nor was my mobile device lost, stolen, or accessed by another individual. I did not provide consent for these transactions and did not receive the goods or services associated with the charges. 

Upon discovering the transactions, I promptly contacted the merchant. The merchant informed me that I was permitted to dispute the charges and stated that they were conducting a manual review. The merchant further acknowledged that this review remained unresolved for approximately XXXX months, and no refund or resolution was provided. 

Due to the merchants failure to resolve the matter, I exercised my right under Regulation E to dispute the transactions with Chime. Despite the nature of the claimunauthorized electronic fund transfersChime denied the dispute through what appears to have been an automated or expedited review, reportedly within a XXXX period. No meaningful investigation, evidence-based explanation, or documentation supporting the denial was provided to me. 

Under 12 C.F.R. 1005.11, financial institutions are required to conduct a reasonable, good-faith investigation of alleged errors, particularly where unauthorized electronic fund transfers are claimed. A perfunctory or automated denial, without consideration of relevant facts or merchant admissions, raises serious concerns regarding compliance with Regulation Es error-resolution requirements. 

I am requesting that the CFPB review whether Chimes dispute handling practices in this matterincluding the speed of denial, lack of substantive explanation, and failure to consider material factsconstitute an unfair, deceptive, or abusive act or practice ( UDAAP ) and a failure to comply with federal consumer financial protection laws. 

I am seeking corrective action, including proper reconsideration of my dispute, restitution of the unauthorized funds, and assurance that Chimes dispute resolution procedures comply with Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
Authorize payments made to event venue space for daughters XXXX XXXX on XX/XX/XXXX was refunded by Square for no reason at all. Square assumed the charges were fraudulent due to the fact of the payments being split between different cards. Square then ask the merchant to submit documentation pertaining to the payments at which the merchants submitted Square with the venue contract originally signed in XX/XX/XXXX, along with a screenshot of one of the virtual cards used for payment, which did show the virtual card was issued in my name square also requested from the merchant a copy of my ID or drivers license which I did not send to the merchant due to my identity theft experience. Square has took it upon himself to categorize my payment as fraudulent and has begun processing the refund of my payments made to the merchant on XX/XX/XXXX. These refunds were not warranted due to the fact that the financial institutions connected to my cards were never contacted, nor were the charges ever disputed. My daughters party is supposed to be in four days and there is nothing they can do about a refund that they initiated without any evidence of the charges being fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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:
Ive resent my previous letter informing the company I received a copy of my credit report and noticed some late payments that still needed to be corrected. I was never late, and they failed to provide documents that proved otherwise. 

Clearly, prohibition means something that is not allowed. This law says a company shall not furnish any information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Lets look at has reasonable cause to believe that the information is inaccurate. I clearly showed them in my previous letter that they have reasonable cause to believe that the information is inaccurate by defining accurate and what it means to be inaccurate, and by pointing out the laws theyve violatedtherefore making the information inaccurate! This is a violation of 15 US Code 1681s-2. 

The law also says that there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. Clearly, my right to privacy as a consumer has been violated by publicly reporting this information when I never gave the organization permission to report my information.

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 2025-12-16 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: IL

Complaint narrative:
I am filing this complaint as a consumer who is attempting to correct potential inaccuracies on my Experian credit report. Upon review, I found several charged-off accounts and late payment entries that I believe may be inaccurately reported or not properly verified. 

* * Charged-Off Accounts in Dispute ( Experian ) : XXXX XXXX XXXX XXXXXXXX  XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance {$0.00} * XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$560.00} * XXXX  XXXX Account # XXXX Opened XX/XX/XXXX Balance {$300.00} XXXX  XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance {$2600.00} XXXX XXXXXXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$460.00} XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Opened XX/XX/XXXX Balance {$16000.00} XXXX XXXX  Late Payments in Dispute ( Experian ) XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX I am requesting that Experian verify the accuracy, completeness, and proper reporting of each disputed item. Any information that can not be verified in accordance with the Fair Credit Reporting Act should be corrected or deleted.

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 2025-12-16 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: MD

Complaint narrative:
This is from me and not a credit repair company. I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-12-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Company : Rocket Mortgage Issue : Mortgage servicing / Forbearance / Improper fees I am filing a complaint regarding an improper cancellation of an approved mortgage forbearance and the assessment of a late fee. 

Rocket Mortgage approved me for a three-month forbearance covering XXXX, XXXX, and XXXX. This forbearance was confirmed to me in writing by mail. I did not request cancellation or modification of this forbearance at any time. 

I made a payment for XXXX, which was prior to the forbearance period. Rocket Mortgage is now claiming that this payment automatically removed me from the forbearance plan. I was never informed that making this payment would cancel the forbearance, nor did I provide written or verbal consent to opt out. 

Despite the approved forbearance, Rocket Mortgage has : Marked my mortgage as late, and Assessed a late fee during a period that should have been covered by forbearance. 

I requested documentation showing that I agreed to cancel the forbearance. To date, Rocket Mortgage has not provided proof of my consent. 

This appears to be a mortgage servicing error, and the late fee and delinquent status are improper if the forbearance was incorrectly canceled. 

I am requesting the following resolution : XXXX. Retroactive reinstatement of the approved XXXX forbearance XXXX. Immediate removal of all late fees assessed during this period XXXX. Correction of my account status to reflect the forbearance XXXX. Correction of any negative credit reporting related to this error XXXX. Written confirmation and documentation of the resolution I am requesting the CFPBs assistance to ensure Rocket Mortgage complies with federal mortgage servicing requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: IL

Complaint narrative:
This CFPB complaint is being filed to report unlawful debt collection practices by XXXX XXXX XXXX and its affiliate agency XXXX XXXX XXXX XXXX, against the consumer. A debt collection letter was sent by XXXX XXXX XXXX  attempting to collect payment on an alleged debt obligation in the amount of {$2000.00} from the consumer on behalf of XXXX XXXX XXXXXXXX. This complaint includes the attached " Refusal to Pay Debt for Cause '' notice provided in response to the debt collection notice in accordance with the Fair Debt Collection Practices Act ( FDCPA ) section 15 USC 1692c ( c ), for cause as provided below : XXXX.Consumer has no knowledge or record of any legally binding contractual agreement or other consensual arrangement with XXXX XXXX XXXX or XXXX XXXX, XXXX obligating performance or payment of the alleged amount. 

XXXXConsumer has no knowledge or record of any Purchase Agreement, Bill of Sale , or Assignment, transferring rights, titles, interest, and ownership of the alleged debt ( promissory note / receivable ) to XXXX XXXX XXXX or XXXX XXXX, XXXX obligating performance or payment of the alleged amount. 

Unless XXXX XXXX XXXX or its affiliate agency XXXX XXXX XXXX XXXX, is able to produce the above referenced legal documentation verifying ownership, chain of custody, and assignment of rights, titles, and interest in the original debt alleged ( promissory note / receivable ), their collection attempt constitutes abusive debt collection practices, which includes the use of false deceptive, and misleading representations in violation of the Fair Debt Collection Practices Act ( FDCPA ) section 15 USC 1692e ( 2 ) ( A ), and the use of unfair or unconscionable means to collect a debt in violation of the Fair Debt Collection Practices Act ( FDCPA ) section 15 USC 1692f ( 1 ). 

The consumer has reason to believe that the collection actions taken by XXXX XXXX XXXX  are unlawful and have caused an unwarranted burden and significant injury to the consumer including, emotional damage, stress, anxiety, loss of time, embarrassment, humiliation, along with other financial harm associated with production of this communication. 

Consumer is demanding immediate production of legal documentation verifying ownership, chain of custody, and assignment of rights, titles, and interest in the original debt alleged ( promissory note / receivable ), including the Purchase Agreement, Bill of Sale, and Assignment, transferring rights, titles, interest, and ownership of the alleged debt ( promissory note / receivable ) obligating payment of the alleged debt amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc.
State: TN

Complaint narrative:
To Whom It May Concern, I am formally disputing a medical collection in the amount of {$160.00} that your company has placed on my credit report. This debt was paid in full, and I do not owe this balance. 

Despite the account being fully satisfied, your company reported it as a collection, which has unjustly damaged my credit. I have repeatedly notified your office that this debt was paid through my insurance provider, yet the inaccurate reporting has not been corrected. 

Placing a paid medical bill on my credit report without proper verification is a violation of the Fair Credit Reporting Act ( FCRA ), which requires all reported information to be accurate and properly investigated once disputed. Additionally, your continued collection activity after being informed the debt was paid violates the Fair Debt Collection Practices Act ( FDCPA ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax & XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.SXXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 ( XXXX U.S. Code XXXX ) 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 2025-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date : XX/XX/XXXX XXXX XXXX XXXXervices, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX RE : Cease and Desist XXXX XXXX. XXXX ( c ) Account Number : XXXX Reference Number : XXXX To Whom It May Concern : This letter serves as formal notice pursuant to XXXX U.S.C. XXXX ( c ) that you are hereby directed to cease and desist all communication with me regarding the above-referenced account. 
XXXX XXXX XXXX, XXXX sold and/or assigned this account to Portfolio Recovery Associates XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX on XX/XX/XXXX. As such, XXXX XXXX no longer has any legal authority to collect, service, or communicate with me regarding this alleged debt. 
Furthermore, this account was paid in full and subsequently reported as closed. Although it was inaccurately characterized as a charge-off or bad debt, the balance was satisfied in full, and no amount is owed. 
Any continued attempts to contact me, collect, service, or otherwise act on this account will constitute knowing and willful violations of the Fair Debt Collection Practices Act, including but not limited to XXXX XXXX. XXXX, XXXX, and XXXX, as well as applicable state and federal consumer protection laws. 
You are permitted only to respond in writing to confirm XXXX of the following : That all collection activity has ceased ; or That you will take specific legal action, which is denied and disputed. 
Any other communication is expressly refused. 
Please also ensure that no further reporting, updating, or furnishing of information regarding this account is made to any consumer reporting agency, as such reporting would be inaccurate and unlawful. 
This notice is sent without waiver of any rights, claims, or remedies, all of which are expressly reserved. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 ( XXXX U.S. Code XXXX ) 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