vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. 

Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: VA

Complaint narrative:
The company closed my account illegally. They are under breach of contract. They allowed somebody to steal from me. I provided proof and evidence of fraud and identity theft. Instead of refunding my money, they closed my account with open disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am requesting a review of an ongoing issue involving two flight purchases I made through XXXX for XXXX XXXX, which has resulted in a loss of {$600.00} due to a posting error and miscommunication between XXXX and Chases dispute team. 

Timeline of events : I purchased two round-trip tickets from XXXX XXXX XXXX XXXX ) to XXXX, XXXX through XXXX for my girlfriend and her brother. 
Total amount : {$1000.00} Outbound flight date : Tuesday, XX/XX/year> Return flight date : XX/XX/year> at XXXX XXXX On XX/XX/year>, XXXX overbooked the return flight and my travelers were denied boarding. 
I contacted XXXX customer support around XXXXXXXX XXXX that morning, and the representative instructed me to purchase new tickets directly through any airline and initiate a refund request afterward. 
Following that instruction, I purchased new return flights directly from XXXX on XX/XX/year> at XXXXXXXX XXXX for {$600.00}, and I submitted the receipt to XXXX for reimbursement. 
XXXX later issued a partial refund of {$480.00} on XX/XX/year>. 

Dispute activity with Chase : I filed two disputes with Chase : 1. The first for the original {$1000.00} XXXX purchase ( since the return flight was not provided ). 
Chase granted permanent credit of {$1000.00} on XX/XX/year>. 
2. The second for the {$600.00} replacement flight, which I purchased after following XXXX instructions. 
Chase issued a temporary credit of {$600.00} on XX/XX/year>. 
On XX/XX/year>, Chase removed the {$480.00} refund from my account ( the legitimate refund that XXXX had sent ). 
On XX/XX/year>, Chase also removed the {$600.00} temporary credit, citing that I had already received the {$1000.00} permanent credit from the first dispute. 

When I spoke with a Chase representative, I was told the reversal occurred because Chase considered the first {$1000.00} credit as covering the full matter. However, this does not make sense, because the {$600.00} replacement flight was a completely separate purchase made as a direct result of the first flights cancellation. XXXX own support team instructed me to make that purchase and file a refund claim, which I did in good faith. 

At this point : XXXX has only reimbursed {$480.00}. 
Chase has removed both that {$480.00} refund and the {$600.00} temporary credit. 
I am now out {$600.00} total for the replacement flight. 


Documents available upon request : XXXX refund communication and proof they instructed me to initiate a refund {$600.00} XXXX flight receipt ( dated XX/XX/year> ) Proof of XXXX XXXX$480.00} refund Chase account records showing the credit and reversal dates Thank you for your time and attention in reviewing and helping to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
State of Connecticut close school. Due to a lot of different factors and circumstances.

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 2025-11-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: AZ

Complaint narrative:
IQ Data International have claimed that they are trying to collect a debt, but the debt was sent to them in error, and I provided evidence via email. They then called me back later in the day to say that the process needed to be done by snail mail, that it would take 6 months, and that I should give them the money anyways so it doesn't show up on my credit. I'm currently dealing with many personal hardships, this company cost me a job, and this seems like extortion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
the account was removed but has been added after the proper documentions was sent in Fifth Third Bank # XXXX, opened XX/XX/year>, credit limit {$5000.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alliance One, Inc.
State: AZ

Complaint narrative:
* * Subject : * * Request for Debt Validation and Verification Account No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  AllianceOne Receivables Management , Inc. XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear AllianceOne Receivables Management, I am writing to formally request validation and verification of the alleged debt referenced in your correspondence dated XXXX XXXX XXXXXX/XX/year>XXXX XXXX XXXX  regarding XXXX XXXX  Account No. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the XXXX XXXX  Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g * *, I request that you provide the following documentation for full validation of the debt : 1. Verification that you are legally authorized to collect this debt on behalf of the original creditor. 2. A complete itemized statement showing the calculation of the alleged balance, including all charges, fees, interest, and payments. 3. A * * copy of any original signed agreement or contract * * bearing my signature from XXXX XXXX XXXX XXXX XXXX. XXXX XXXX establishing the alleged obligation. 4. Documentation confirming that this account has not been sold, transferred, or otherwise assigned to another entity without proper notice. 5. The name, address, and contact information of the * * original creditor * * and any subsequent assignees. Until full validation is provided, please * * cease all collection activity * *, including credit reporting, as required by law. This request is made in good faith and for the purpose of ensuring the accuracy and legality of any alleged financial obligation. Please respond in writing within the legally required timeframe. SincerelyXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) Subject : Failure to Provide Verification Documentation XXXX Account XXXX To Whom It May Concern, I am submitting this complaint regarding inaccurate late-payment reporting by XXXX for my closed account XXXX. I previously submitted a dispute directly to XXXX requesting verification of the late-payment history. 

XXXX acknowledged my dispute but refused to provide any verification documentation as required under the Fair Credit Reporting Act ( FCRA 611 and 623 ). Instead, they restated that their reporting is accurate but provided no payment records, method of verification, or documentation supporting their claim. 

This refusal constitutes non-compliance with their duty to conduct a full reinvestigation under the FCRA. 

I am requesting that the CFPB ensure XXXX either supplies proper verification documentation or removes the inaccurate late-payment history from all credit bureaus ( Experian, Equifax, and TransUnion ) XXXX Please find attached all related correspondence, including XXXX responses and my original dispute letters. 

A fair resolution would be for XXXX to either produce full verification or delete the unverifiable late-payment entries to accurately reflect my closed account status. 

Thank you for your attention to this matter. 

Sincerely, 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 2025-11-02 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: MI

Complaint narrative:
Complaint Title : Inaccurate and inconsistent reporting of XXXX XXXX XXXX account across credit bureaus Summary of Issue : XXXX XXXX XXXX ( account ending in XXXX ) has been inaccurately and inconsistently reported across the credit bureaus. 
Experian and TransUnion continue to report late payments for XXXX XXXX, while XXXX  has removed those same late payments as unverifiable. 
The account has repeatedly been changed between paid as agreed and late with shifting dates from XXXX to XX/XX/year>, which violates FCRA 1681e ( b ) ( accuracy ) and 1681i ( a ) ( reinvestigation requirements ). 
These date changes appear without legitimate documentation and create a misleading payment history.

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 2025-11-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Westlake Services, LLC
State: IN

Complaint narrative:
XXXX Cover Email Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear [ Recipient ], Please find attached my formal consumer complaint packet regarding deceptive and unfair practices in connection with a retail installment contract for a 2014 XXXX XXXX, originated by XXXX XXXX XXXX and assigned to XXXX XXXX. 

The packet includes : Complaint letter Exhibit A ( Comparison & Timeline Summary ) Prequalification XXXX Executed Retail Installment Contract Itemization of Amount Financed Proof of down payment Dealer advertisement Demand letter to XXXX XXXX XXXX correspondence This submission documents material discrepancies between the prequalification terms and the executed contract, including undisclosed price increases, inflated service contract charges, and shortened loan terms. I respectfully request investigation, restitution, and enforcement action. 

Thank you for your attention to this matter. Please confirm receipt of this complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute multiple duplicate hard inquiries from XXXX XXXXXXXX XXXX XXXX that appear on my Equifax credit report. These repeated inquiries are negatively impacting my credit score and were not authorized multiple time

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX showing both as an open account as well as charged off and reported as a loss on all 3 credit reports. This account was charged off and sold to a 3rd party collection agency. Information is inaccurate and XXXX XXXX and XXXX  refused to remove due to inaccurate information. Also high balance and balance shown as owed do not match. 

XXXX XXXX XXXX  showing as charged off but also settled for less than full amount. XXXX XXXX XXXX XXXX XXXX a pay for delete and never deleted the account. Account was not charged off it was settled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 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: AL

Complaint narrative:
XXXX XXXX XXXX showing both as an open account as well as charged off and reported as a loss on all 3 credit reports. This account was charged off and sold to a 3rd party collection agency. Information is inaccurate and XXXX XXXX and XXXX  refused to remove due to inaccurate information. Also high balance and balance shown as owed do not match. 

XXXX XXXX XXXX  showing as charged off but also settled for less than full amount. XXXX XXXX XXXX XXXX XXXX a pay for delete and never deleted the account. Account was not charged off it was settled.

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 2025-11-02 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: PA

Complaint narrative:
was a victim of identity theft i filed all the necessary documents to have fraudulent accounts removed from my report but XXXX account ( XXXX Bank ) still appears on my consumer report. 
Under FCRA 605B ( 15 USC 1681c-2 ), when a consumer submits an identity theft report, the consumer reporting agency must block all reporting of ALL information that the consumer identifies as the result of identity theft within XXXX business days. I have reattached my police report along with my ftc report. The following account XXXX Bank is not mine and the result of identity theft and must be blocked and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: CA

Complaint narrative:
Vehicle repossessed while under dispute. No default occurred. Personal property including ID, passport, and wallet was taken. I am a medically XXXX XXXX XXXX and protected under CA WIC 15610.23. Adverse data appeared on my credit profile in violation of FCRA, FDCPA, and GLBA. Identity theft and opt-out rights ignored. I revoke all POA. Demand removal of negative data and score restoration to XXXX. Related complaints : CFPB Complaint Reference : XXXX - OCC Complaint Number : Case XXXX - SEC Complaint XXXX : XXXX - XXXX  Complaint Filed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: CA

Complaint narrative:
Vehicle repossessed while under dispute. No default occurred. Personal property including ID, passport, and wallet was taken. I am a medically XXXX XXXX XXXX and protected under CA WIC 15610.23. Adverse data appeared on my credit profile in violation of FCRA, FDCPA, and GLBA. Identity theft and opt-out rights ignored. I revoke all POA. Demand removal of negative data and score restoration to XXXX. Related complaints : CFPB Complaint Reference : XXXX - OCC Complaint Number : Case XXXX - SEC Complaint XXXX : XXXX - XXXX  Complaint Filed

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 2025-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Comerica
State: VA

Complaint narrative:
XXXX XXXX debit card My retirement social security money direct deposit on XX/XX/XXXX -- {$1600.00} and on XX/XX/XXXX -- {$1600.00}. 
They will not release my funds, they deactivated the card in XX/XX/XXXX related to " suspicious activity '' and I was not notified. 
I have made contact daily, by phone, I am transferred to fraud department, I have emailed my valid VA drivers license as requested and they say they have received it.

Still have not released my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-02 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX Date : XX/XX/XXXX XXXX Subject : request for investigation of inaccurate credit information confirmation # XXXX Dear Experian, Equifax, Transunion and Dispute department I " am writing to dispute several items on my credit report dated XXXX XXXX that appear to be inaccurate or incomplete.please investigate the following : XXXX : XXXX XXXX XXXX : Account XXXX I do not recognize this account and the reported dates are inconsistent ( first delinquency XX/XX/XXXX, account opened XXXX ). Please verify ownership and correct or remove this account if it can not be validated. 
XXXX : XXXX XXXX XXXX : Account XXXX This account shows an outstanding balance deposite repossession and closure in XXXX. Please verify the balance correct the status to " closed/charged off '', or remove if no balance is due. 
XXXX : XXXX XXXX : Account XXXX This student loan appears twice on my report with different balances. Please remove the duplicate entry so only one accurate record remains. 
XXXX : XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). 
These inquiries were part of a single auto loan application and should be treated as one under FCRA604 ( a ) ( 3 ) ( A ). Please review and consolidate or remove duplicates.

I have attached a copy of my id and recent utility bill for identification verification. Please complete the investigation within 4 as required by the fair credit Reporting Act ( FCRA ). in other uncorrect account to Dispute. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX XXXX ( last XXXX ) : XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 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:
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 - Date Opened : XX/XX/XXXXXXXX XXXX XXXX # XXXX XXXX XXXX : {$900.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX -- Balance : {$800.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX -- Balance : {$1500.00} - Date Opened : XX/XX/XXXX XXXXXXXX XXXX # XXXX -- Balance : {$460.00} - Date Opened : XX/XX/XXXXXXXX XXXX # XXXX  -- Balance : {$630.00} - Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute certain information in my credit file that I believe to be inaccurate or incomplete. I am requesting that you conduct a thorough investigation of the items listed below and remove or correct them as required under the Fair Credit Reporting Act ( FCRA ). 

This account does not belong to me Please re-investigate this matter and remove any inaccurate or unverifiable information from my credit report. Enclosed are copies of documents supporting my position, including [ proof of payment, account statements, identification, etc. ]. 

In accordance with the FCRA, I expect the results of your investigation and an updated copy of my credit report within 30 days of receiving this letter. 

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 2025-11-02 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:
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 -- Balance : {$72.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX -- Balance : {$510.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX # XXXX - Date Opened : XX/XX/XXXXXXXX XXXX # XXXX - Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX - Date Opened : XX/XX/XXXX XXXX # XXXX - Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX # XXXX - Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX # XXXX - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 2025-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: AR

Complaint narrative:
Case XXXX There has no response from CashApp on this recovery of fund that were scammed.

Company response to consumer: Closed with explanation