vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I disputed with Equifax showing that my student loans were forgiven and that I did not owe anything. I even uploaded it to the site ( Equifax ) and that did nothing. They still kept it on my 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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Disputes have been submitted to both equifax and experian due to fraudulent accounts placed on my file. Please assist with the removal of the fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc
State: TN

Complaint narrative:
I am receiving emails from the lender CHIME indicating a new account and card issued. 
These emails began while I was on vacation in XXXX and are continuing to be sent with various notifications, such as New Card Issued and New Account Open. 
I am currently in XXXX XXXX and not able to easily make phone calls to follow up on the veracity of this account being opened in my name and there are no other means of contacting CHIME on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC
State: CA

Complaint narrative:
I submitted a request to CoreLogic ( Credco ) to place a security freeze on my consumer file and to access my report. My submission included all required documents : a copy of my government-issued ID, Social Security card , and proof of address. Despite providing everything necessary, CoreLogic responded with a vague letter stating they could not locate a file associated with my information. 

This is a stall tactic and a misrepresentation of their responsibilities under the Fair Credit Reporting Act ( FCRA ). As a nationwide specialty consumer reporting agency, CoreLogic is required to furnish a disclosure upon request under FCRA Section 609, and to process freeze requests promptly under applicable consumer protection laws. Their refusal to acknowledge my file or comply with standard freeze procedures violates both federal law and potentially the XXXX XXXX Privacy Act ( CCPA ), as they continue to collect and process my data without honoring a proper opt-out request.

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 2025-05-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.
State: IN

Complaint narrative:
I contacted XXXX XX/XX/XXXX. Stated I would be contacted and have a response soon. I checked in a few weeks later. They can not tell me a status without talking to Vanilla. Vanilla stated I had to make a whole new separate case with them. So my lost card case with XXXX was wasted. Vanilla made the case and advised to email XXXX with my ID, case number, proof of residency, and a reason I don't have a receipt. My father bought the {$100.00} card back in XXXXXXXX XXXX XXXX for the birth of my son. I'm under the impression he bought the card near the hospital in XXXX  indiana. I could tell you any transaction for the card we have used. XXXX mostly. XXXX has refunded an order and we haven't been able to use the rest on that card. I had the card in my pocket on my way to XXXXXXXX XXXX  and when looking everywhere for it, it waa officially lost. I spent awhile thinking it waa nearby before i reported it lost and stolen at XXXX. From there they advised i have to email this department in hopes of a replacement. Should be a balance of {$72.00} and some change. 8 days have passed and not a single response from this team. Looking online, some have been lucky to email this team and wait 6 weeks. Some required a CFPB complaint to request this refund. I want a refund check, not a card. Im tired of waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
This is a follow up to my complaint that I submitted for my XXXX checking account on XX/XX/XXXX. I mentioned in that complaint that on top of being coerced into using my XXXX debit card to send these money transfers to this XXXX scammer all starting on XX/XX/XXXX, they also made me use my XXXX XXXX XXXX XXXX to transfer a great amount to them as well. The two transactions they coerced me to do were the {$3000.00} from XXXX XXXX and {$1000.00} from XXXX. The screenshots attached will show in the conversations of the scammer influencing me to use my XXXX XXXX XXXX XXXX. What I meant to mention in my previous complaint for XXXX was that the scammer convinced me to authorize my purchases with these money transfer companies including Comenity Capital Bank, which the XXXX XXXX XXXX XXXX is under, by making me tell them that these transactions were for " family members abroad for medical expenses ''. The screenshots below show the scammer guiding me in telling them that reason. I called Comenity first thing in the morning on XX/XX/XXXX to unfortunately authorize the {$3000.00} transaction from XXXX XXXX. I realized then later too late that same day, that I was indeed a victim of a scam so then I called Comenity back to tell them those transactions were a mistake and I did not mean to text back the fraud alert message that I approved the transaction. I was afraid they would not help me if I told them I was a victim of a scam. They said they would investigate the dispute of these charges for 3 business days. Today I checked my XXXX XXXX XXXX XXXX account and it seems that they did not help me with these disputing these charges, and instead posted them since they were unfortunately authorized. They only helped me in receiving a new card in the mail in the next week or so. I am already in enough credit card debt as it is, so it would truly hurt to have to pay back that amount of credit that was basically stolen from me. And on top of that, I am moving out of state next month which would make it extremely devastating to have to carry all this heavy financial burden in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: WA

Complaint narrative:
I received a two letters in the mail for varying amounts of money owed ( {$3400.00} and XXXX ). Both letters were addressed to a person with the wrong first name but correct last name and address. Debt collector is Caine and Weiner. XXXX XXXX XXXX acct. # XXXX The letter requests payment for a past due commercial account. 

I verified that there are no loans in my name that I am not aware of through experian.com I have left multiple voicemails with the company, specifically the person mentioned in the letter, XXXX XXXX, ( XXXX ) XXXX, with no response after a week. I recently emailed them as well. 

That is the only action I have taken so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am submitting a complaint regarding inaccurate late payment reporting by Capital One. 
Federal law requires creditors to notify consumers of late payments at least 21 days before the billing due date. 
My payments, due on or around the XXXX of each month ( e.g., XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year> ), were reported as late without proper notice. 
I have contacted the creditor and disputed with the credit reporting agencies, but the issue remains unresolved. 
Please find attached my dispute letter and supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I do not recognize these inquiries, I have never applied with these people, I did not authorize them, I do not know them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
When contacted by phone I requested XXXX XXXX to cease all communications and to send the following by mail : 1. Debt validation and verification by sending the purchase agreement 2. The original contract signed by me 3. Explanation of how the amount was calculated According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable information that's on my credit report. I've disputed this previously and it was returned verified without a proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I receivwd an American Express gift card in the amount of {$50.00} as a gift and I have not been able to use this card anywhere. I have tried using it at multiple grocery stores, gas stations, Fast food restaurants, etc with XXXX success. This has been quite frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: MD

Complaint narrative:
On XX/XX/year> i used card to pay XXXX XXXX however XXXX never received funds but money was deducted from my account. 

Ive contacted Cash App support and submitted a claim providing documentation ( emails and bills ) that reflects XXXX had not received funds. 

Cash app continues to deny my claim or refund money. Cash app has not provided documentation as to why this claim is being denied. Cash app only refuses to refund the money and its not providing clarity as to why this claim is denied. 

Im constantly being told to dispute this transaction in which Ive done several times only to get the same result without any insight on as to why this claim is being denied or what I can do to resolve this issue or locate my funds.

Im currently being charged by XXXX and have to pay this bill yet once again to avoid disconnection of service. Im a single mom and I can not afford to make multiple payments on bills. Can you please assist me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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:
Someone used my information to obtain this vehicle

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 2025-05-31 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: NC

Complaint narrative:
XXXX XXXX line of credit with account # XXXX opened on XX/XX/year> and a balance of XXXX $ not showing on all three bearus.XXXX  and XXXX  deleted this inaccurate account why is Equifax still reporting this inaccurate account t with false info on my report. under the consumer law 15 u.s.c 168i- procedure in case of disputed accuracy. 
please delete this inaccurate account t of legal action will be taken

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: IN

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX Date : XX/XX/XXXX XXXX ( Last XXXX digits ) : XXXX XXXX : XX/XX/XXXX Phone : ( XXXX ) XXXX Email : XXXX Address : XXXX XXXX XXXX, XXXX, IN XXXX Summary of Issues I am writing to formally file a complaint regarding multiple inaccurate and unauthorized entries on my credit report. I have attempted resolution with the credit reporting agencies and/or furnishers, but these issues remain unresolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: OH

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: NC

Complaint narrative:
Inaccurate account status is being reported on my credit reports along with incorrect names. XXXX is inaccurately reporting my name as XXXX XXXX XXXX XXXX, my address is inaccurately showing as XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX, and my employment information as XXXXXXXX XXXX Date Updated : XX/XX/XXXX, XXXX XXXX Date Updated : XX/XX/XXXX. TRANSUNION is accurately reporting my name as XXXX XXXX XXXX and XXXX XXXX. TRANSUNION is accurately reporting my address as XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX NY XXXX. TRANSUNION is inaccurately reporting my employment as XXXXXXXX XXXX Date Updated : XX/XX/XXXX and XXXX XXXX  Date Updated : XX/XX/XXXX. XXXX is inaccurately reporting the following : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, and employer as TARGET Date Updated : XX/XX/XXXX, and XXXX XXXX XXXXXXXX Updated : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: MN

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN, XXXX Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX : $ {$360.00} XXXX & XXXX Account # : XXXX Hello XXXX XXXX, We are extending you an offer to stop collection efforts on this account and to resolve it for a reduced amount subject to the conditions of this letter. 

This is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose. 

To accept this offer, we must receive $ {$180.00} by XX/XX/year>. For your convenience, we accept online payments at www.connectcw.com or you can call us for phone payment options. If the full amount of the offer is not received by XX/XX/year> then this offer is hereby revoked. If you can not resolve in time, please call us to discuss other repayment options. We are under no obligation to renew this offer. 

To speak with us directly, contact us at XXXX during regular office hours, Monday to Friday XXXX am - XXXX pm XXXX, or call XXXX to pay by phone. 


Sincerely, CAINE & WEINER XXXX Reply To Unsubscribe Remit payment to : CAINE & WEINER P.O. XXXX XXXX XXXX, CA XXXX WASHINGTON : Caine & Weiner XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX IDAHO : TOLL FREE NUMBER XXXX MINNESOTA : This collection agency is licensed by the Minnesota Department of Commerce. 

NEVADA : This collection agency is licensed by the XXXX XXXX XXXX XXXX XXXX XXXX. Our current address is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. XXXX XXXX XXXX, XXXX XXXX, CA XXXX is the Caine & Weiner XXXX XXXX XXXX XXXX XXXX 

NORTH CAROLINA : Caine & Weiner XXXX XXXX XXXX Caine & Weiner. XXXX # XXXX for XXXX XXXX XXXX. XXXX floor, XXXX XXXX, CA XXXX. XXXX # XXXX for XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX. XXXX # XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. 

TENNESSEE : This collection agency is licensed by the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

WISCONSIN : This collection agency is licensed by the XXXX XXXXXXXX XXXX in the XXXX XXXX  XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
On XX/XX/year> Their fraud department completely locked me out of my checking account. I spoke to a real Citibank employee at their branch and they can't do anything cause the XXXX number people have the power. 
A real Citibank worker should be expected to fix things like this. I was ready to provide XXXX items of identity verification.

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 2025-05-31 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: IL

Complaint narrative:
XXXX hired a third-party debt collector, XXXX XXXX , to settle an account I owed. I completed a settlement payment of {$350.00} on XX/XX/XXXX via cashiers check from XXXX XXXX XXXX XXXX, which was accepted by XXXX XXXX as settlement in full. 

Despite this, XXXX continues to report that I owe a balance of {$250.00}. And has called me while at work asking when ill pay when I don't owe anything, This is false, inaccurate, and damaging to my credit. I have sent proof of payment to all three credit bureaus ( Equifax, XXXX XXXX  ), disputed this account multiple times, and even contacted XXXX directly, but the inaccurate information remains. 

XXXX also mailed me a letter after settlement stating I am still financially responsible, despite the completed settlement.

I am requesting that the CFPB intervene and require XXXX to : Delete the tradeline/account from all 3 credit bureaus. As well as i have let all 3 credit bureaus know and they have claimed each time that this information is accurate when it is not. 

XXXX also Acknowledged the account was settled in full through their third-party agency. I spoke to a supervisor by the name of " XXXX '' and a representative by the name of " XXXX XXXX '' which i spoke to on or around XX/XX/XXXX. XXXX also acknowledged that the error in the system was caused by a representative from XXXX NEVER updated my account when the check was received and never updated this information to a " SETTLED ACCOUNT '' which i then asked since they have been reporting inaccurate information for the last 2 years if they could remove this from my credit report due to the false reporting and the damage caused and failure to properly update the credit bureaus. I am just an XXXX XXXX trying to make my credit better to one day buy a home for my family and get on the financial structed plan i have dreamed to have, but can not accomplish that goal with information being reported inaccurately that was not updated. 

I have attached proof of payment and all supporting documents. 
This is a violation of the Fair Credit Reporting Act ( FCRA ) and is negatively impacting my credit standing and ability to access fair financial services.

Company response to consumer: Closed with explanation