vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-27 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: CA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed accounts, as Experians inaction violates federal law and my rights as a consumer

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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally follow up regarding the complaint I submitted to the CFPB on more then 30 days ago with referenced under Complaint # XXXX. As of today, it has been over 30 days, and I have not received a satisfactory response or resolution. 

This delay is in direct violation of the Fair Credit Reporting Act, specifically 15 U.S. Code 1681i, which requires that a consumer reporting agency must conduct a reasonable reinvestigation of any item disputed by a consumer and provide the results of the investigation within 30 days.

As per my original complaint, I am disputing inaccurate and/or unverifiable information being reported in last complain. This inaccurate reporting continues to cause harm to my financial wellbeing and is a violation of my federally protected consumer rights. 

In accordance with federal law, I am demanding immediate action and a formal resolution to this matter. If no response or action is taken within 15 days, I will escalate this issue to include formal legal complaint filings with the FTC and potential civil action to seek relief under the provisions of the FCRA. 

Please consider this letter as my formal notice to act with urgency.

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 2025-07-27 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: Affirm Holdings, Inc
State: MI

Complaint narrative:
XX/XX/year>, XXXX XXXX I formally sent letters to these companies and the Credit Reporting Agencies that upon review of my credit reports, I found a number of items that are inaccurate or questionable. The credit agencies responded that they verified, but did not send the requested information. I requested The Header Record, containing 18 fields, which ensures that the information was identified correctly by their bureau, I requested The Base Segment containing 49 fields, which provides the specific account information to me, I requested The Trailer Record, containing 47 fields, which summarized the data submitted to their bureau specific to my particular file. As of today, none of this information has been sent to me... The companies have not responded at all. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Affirm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc
State: MI

Complaint narrative:
I have been a Chime customer since XXXX  and consistently deposit over {$1000.00} every two weeks. Chime advertises core benefits such as XXXX XXXX  to {$200.00} and XXXX up to {$500.00} before payday for qualifying customers. 

Despite meeting all requirements ( including direct deposit well above XXXX XXXX ), XXXX XXXXXXXX limit is capped at {$100.00}, and my XXXX access was only {$150.00} total before being reduced to {$13.00}. This is far below the advertised limits. 

In addition, Chime charged instant advance fees on XXXX, even though the service was promoted as part of Chime+ benefits without clear fee disclosure at signup. 

I contacted Chime and requested benefit correction and compensation for misleading advertising and financial harm. I issued a formal demand for {$15000.00} and benefit correction within 72 hours before escalating. 

This situation caused financial hardship while I am relocating, as I relied on these advertised features for budgeting. These practices appear to violate consumer protection laws and align with prior CFPB actions against Chime for similar deceptive conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has wrong information from annual report or Free credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I was trying to buy tickets for a concert over social media. When most of the money was sent I felt as though it was confirmed so I went ahead and sent the rest of the money and did not recieve any tickets back. I realized it was a scam when they asked for a fee. It was three amounts zelled to a number ; {$1.00}, {$170.00}, {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Kriya Capital, LLC
State: CT

Complaint narrative:
I had XXXX for cellphone for almost a decade. The last two years I had had them they had charged me wrong amounts had my services disconnected for no reason and at the end of XXXX  they had overcharged me XXXXXXXX XXXX XXXX and could not get it solved. One representative tried telling me they refunded a payment from two months prior which then added it to my bill again, which apparently made it late could not get it corrected had to pay this extra {$160.00} that was supposed to be credited back but instead they did it again Shut the phones off then I told them Im going to switch to somebody else because I can not do business with a company who keeps overcharging not fixing anything and shutting off the devices. They then told me they were gon na credit everything back, but would not give me an address to send the devices back now I have some debt collector calling me 24 seven and sending me text messages Saying I owe them {$820.00} which is false

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: GA

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 XXXX  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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: CA

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: UT

Complaint narrative:
This is my second dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
Hi Cash App Support, My previous Cash App account was closed over a year ago. At the time, I contacted support and used XXXX to try to understand what happened. I also explained that a family member frequently Cash Apped me to pay for my XXXX often small, repetitive amounts under {$15.00}. That family member had been on my contacts for over two years, and I never engaged in fraud or acted as a middleman for any suspicious transfers. 

Recently, I decided to try reopening or creating a new account. XXXX advised me to delete the account, but after doing so, I found that I could no longer log in or register I received a message saying my phone number is now linked to suspicious activity. 

I called Cash App support immediately, but I was told my account could not be found using my XXXX, phone number, or email and that there was nothing further they could do. This is extremely frustrating, as Ive done nothing to violate their policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LendingPoint Holdings LLC
State: CA

Complaint narrative:
I was working with the company to make payment but the company sent the account to collection when I went on a mission out of the country for few months

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX  Under dispute Date opened XX/XX/XXXX Balance {$390.00} Status Open. {$29.00} past due as of XX/XX/XXXX. 
XXXX Under dispute Date opened XX/XX/XXXX Balance {$57000.00} Status Account charged off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am requesting the removal of multiple outdated addresses from my Equifax credit report. As of XX/XX/year>, my current and only valid address is : XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX However, Equifax is still reporting the following outdated and irrelevant addresses : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX These addresses are not associated with any open tradelines, nor do they serve any purpose for current identity verification. Retaining them creates unnecessary confusion, undermines data integrity, and increases my risk of being improperly associated with outdated or erroneous accounts. 

These outdated addresses increase the likelihood of : Misattribution of accounts to my profile Delayed or inaccurate verification processes Exposure to identity matching errors and potential fraud They also clutter the file in a way that misrepresents my current residency status, which can negatively affect underwriting and credit decisioning. 

Legal and Compliance Grounds Under FCRA 607 ( b ), Equifax is required to follow reasonable procedures to assure maximum possible accuracy of consumer information. 
Per Metro 2 Format, Base Segment Field 143, addresses not tied to active tradelines should not be retained unless relevant to an investigation or verification process. 
Outdated personal identifying information serves no legitimate purpose in a current credit file and must be removed upon request, especially if the consumer has provided updated address information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have been denied two fraud claims by Bank of America and theyve given me XXXX evidence besides a letter that says, it was authorized by you. Its XXXX $ and Ive been in limbo for 50 days. They refused to follow the law and give me provisional credit and will not give me evidence. I need help, we have federal laws that are made to protect me and theyre breaking them.

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 2025-07-27 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am submitting this formal complaint against Equifax for its continued failure to conduct a timely and reasonable reinvestigation of disputed information in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i. 
On the following dates, I submitted formal written disputes to Equifax regarding inaccurate and unverifiable information appearing on my credit file : XX/XX/year> ( USPS Certified mail tracking number XXXX ) XX/XX/year> XX/XX/year> XX/XX/year> In my most recent dispute, mailed on XX/XX/year>, I contested the reporting of a bankruptcy entry with the following details : Federal Reference Number : XXXX Court Name XXXX XXXX XXXX XXXX This entry is incomplete and unverifiable as currently reported. My dispute letter specifically requested that Equifax provide documentation identifying the method and source of verification used to report this bankruptcy. To facilitate proper identification, I included copies of my government-issued identification, Social Security card XXXX and proof of address with each dispute. 
FCRA Violation : As of XX/XX/year>, Equifax has failed to respond to my XX/XX/XXXX disputewell beyond the 30-day window mandated by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires consumer reporting agencies to conduct a reasonable reinvestigation of disputed information within 30 days of receiving notice from the consumer. 
This failure to respond or provide any results of an investigation constitutes a direct and willful violation of my rights under the FCRA. 
Equifaxs continued inaction has resulted in : The prolonged reporting of inaccurate and unverifiable negative information. 
Detrimental impacts to my credit score. 
Loss of access to financial opportunities. 
Unnecessary emotional distress stemming from the inability to resolve this matter despite good faith efforts. 


Supporting Documentation : Copies of all dispute letters sent to Equifax. 
Proof of identity and residency submitted with each dispute. 
Mail tracking and delivery confirmations ( e.g., USPS Certified Mail receipts, where available ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Following a recent medical emergency, I was admitted into the hospital. Upon discharge, I discovered that my wallet was missing. Soon after, I reviewed my bank accounts and noticed several unauthorized transactions that I did not make. I immediately contacted Chase to report the fraudulent activity and dispute the charges.

During the initial call, I explained the situation in detail to the representative, and a claim was submitted on my behalf. However, I was soon notified via letter that my claim had been denied. When I followed up with the fraud department, I was told that the denial was due to the charges having been made using my debit card PIN.

I respectfully dispute this. I explained to the representative that I did not authorize those transactions and that I had contacted several of the merchants involved, who confirmed that the transaction details on their end did not match my informationclearly indicating identity theft.

I escalated the matter and spoke with a supervisor, who agreed that the claim had been submitted incorrectly. She resubmitted the claim with the correct details. Unfortunately, the claim was once again denied, and I was not provided with a valid explanation. Furthermore, I was informed that the bank had not contacted the merchants to properly investigate the matter.

As a loyal Chase customer with no history of issues or fraudulent activity, I am extremely disappointed by the lack of support and the mishandling of my case. I believe that my consumer rights under the Electronic Fund Transfer Act ( EFTA ) have been violated, particularly given that : I reported the unauthorized transactions promptly.

The bank failed to conduct a reasonable investigation.

Incorrect information was submitted on my behalf by representatives.

No proper merchant verification was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
VIOLATOR : * * Target ( or its financial affiliate ) * * repeatedly violating the * * 7 calls in 7 days * * debt collection restriction despite being notified of your unemployment. 

* * Subject : * * Formal Complaint Regarding Repeated Debt Collection Calls from Target Violating 7-in-7 Rule I am writing to formally submit a complaint regarding repeated and excessive debt collection phone calls I have received from Target Corporation, or its associated debt collection department, which I believe to be in violation of federal consumer protection regulationsspecifically the * * 7 calls in 7 days * * limitation established under Regulation F of the Fair Debt Collection Practices Act ( FDCPA ). 

Since XXXX XXXX XXXX XXXX XXXX XXXX I have been unemployed and have communicated this circumstance to Target on * * multiple occasions * *. Despite informing them of my financial hardship, Target has continued to place * * excessive and harassing collection calls * *, often * * more than seven times within a seven-day period * *, without any meaningful response to my prior notices. 

# # # Specific Issues : - * * Frequency of Calls * * : I have documented call logs indicating * * 812 calls per week * *, consistently over the last few months. 
- * * Ignored Disclosures * * : I clearly stated my unemployment status and inability to meet payment obligations, yet this was either disregarded or not properly recorded. 
- * * Repetition * * : Calls sometimes occurred multiple times per day, including early mornings and late evenings. 
- * * Limited Resolution Path * * : Attempts to speak with a representative to find alternative solutions or payment arrangements were unsuccessful or redirected without follow-through. 

# # # Impact : This relentless contact has caused significant emotional distress and has further complicated my financial situation. It is especially troubling that Targets practices appear to ignore guidelines meant to protect consumers like myself from undue pressure during vulnerable periods. 

I respectfully urge the CFPB to investigate this matter and determine whether Target has violated federal communication limits and failed to honor consumer disclosures regarding hardship. I am requesting : - A formal review of Targets call records related to my account. 
- Confirmation that they are adhering to the FDCPA 7-in-7 rule.

- Assurance that any future contact will be compliant and respectful of declared financial hardship. 

I am willing to provide screenshots upon request to support this complaint. Thank you for your attention to this matter, and I look forward to your assistance in ensuring compliance and accountability. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief