vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am sending this formal complaint regarding inaccurate a late payment reporting on my credit file associated with the following account :. 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 explanation
Consumer complaint received 2025-10-29 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: NV

Complaint narrative:
I am formally disputing the XXXX XXXX XXXX XXXX account reporting on my credit file. This account is not mine and is the result of a data breach where my personal information was compromised. I received notice that my information was exposed in a confirmed data breach, which has led to unauthorized accounts being reported under my name. 

Despite multiple disputes and validation requests, XXXX XXXX XXXX XXXX has failed to provide documentation verifying the accuracy or ownership of this account. I have repeatedly requested validation, including a signed contract, itemized statement, proof of assignment, and verification procedures, but have received no such evidence. 

Furthermore, Experian, TransUnion, and Equifax have also failed to properly investigate or verify this account as required under : 15 USC 1681i ( a ) ( 1 ) duty to conduct a reasonable reinvestigation 15 USC 1681e ( b ) duty to ensure maximum possible accuracy 15 USC 1681i ( a ) ( 7 ) duty to provide the consumer with a description of the verification process 15 USC 1692g validation of debts 15 USC 1692e ( 8 ) prohibition of reporting information known to be false The continued reporting of this unverifiable and fraudulent account violates these provisions and has caused me significant hardship, including denial of services, credit opportunities, and emotional distress.

I have also filed complaints with the FTC and XXXX regarding this fraudulent activity. I am requesting that the CFPB investigate this matter, compel XXXX XXXX XXXX XXXX and the credit bureaus to provide full verification or immediately remove this fraudulent account from my credit reports to restore the accuracy and integrity of my consumer file. 
I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equifax breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my financial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : XXXX ) XXXX XXXX XXXX XXXX AMOUNT : {$5300.00} XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: TX

Complaint narrative:
Today XX/XX/year> at XXXXXXXX XXXX a friend sent me XXXX in to cash app account. I then tried transferring money to my bank and they said due to suspicious behavior it would be blocked for XXXX to XXXX hoursXXXX I never use this app I asked what suspicious behavior caused the blocked I recieved no answer. XXXX  explained i would give any and all information about myself to solve the issue. I also explained that I would be stuck sleeping in my car with my dog for the night because I could not afford hotel. They did t care they kept saying XXXX to XXXX hours. Which basically means me and my dog will be stranded out of state sleeping in my car until they solve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: SC

Complaint narrative:
NOTICE OF FDCPA VIOLATION, FINAL DEMAND TO CEASE COLLECTION, AND INTENT TO PURSUE LEGAL ACTION Account/Agreement Number : XXXX To the Consumer Financial Protection Bureau and XXXX XXXX, This complaint concerns an alleged debt of {$2900.00} related to Agreement Number XXXX for a XXXX XXXX XXXXXXXX XXXX VIN : XXXX ). 

I do not owe this debt. 

History of Dispute and Violation Initial Dispute Ignored : On or about [ Insert Date of Your First Dispute Letter ], I formally disputed this alleged debt in writing and demanded validation pursuant to 15 U.S.C. 1692g of the FDCPA. I sent this letter via Certified Mail and have proof of delivery to the creditor. 
Failure to Validate : Despite receiving my formal dispute, XXXX XXXX has failed to provide any validation, verification, or evidence to substantiate this debt. Furthermore, I have never received any original billing statement or communication regarding this alleged obligation prior to or after my dispute. 
Continued Collection/Reporting : XXXX XXXX continued attempt to collect or report this alleged debt after failing to provide the legally required validation constitutes a clear violation of the Fair Debt Collection Practices Act ( FDCPA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Remitly, Inc.
State: AZ

Complaint narrative:
I am writing to formally file a complaint regarding six transactions that were canceled on XX/XX/year>, involving my account under the name XXXX XXXX XXXX. 
On that date, I received six emails from Remitly notifying me that my transactions had been Canceled, all addressed to me and sent from your official domain. Each email listed the recipient as XXXX XXXX XXXX with amounts ranging from XXXX to XXXX. 
Immediately after receiving those emails, I contacted your support line. The first representative confirmed that my transactions were canceled and assured me that the funds would be reversed back to my bank account. I have full recordings of this conversation as evidence. 
However, after being placed on hold and transferred to the Protection Department, I was told a completely different story that the money was sent directly from my bank ( XXXX XXXX XXXXXXXX ) and that Remitly had no responsibility. This is contradictory, because the cancellation emails clearly came from Remitly, not from my bank. 
Later that same day, my aunt and I called back for clarification. We were again told that the reversal was not being processed, which caused serious confusion. On XX/XX/XXXX, we called once more, and the representative once again guaranteed that the reversal was being processed and that I would receive the money back. 
As of today, my bank has confirmed that no refund has been received, and Remitly has provided no written confirmation or proof that a reversal has been initiated. Furthermore, I was informed that my account would be permanently banned, despite my unresolved case and no refund being issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am writing because Citicards CBNA is reporting inaccurate information to the credit bureaus about my account. 

The account is listed as both charge-off and open/in good standing. It also shows a balance of about {$32000.00} even though the highest balance reported was {$14000.00}. A past-due amount continues to appear even though the account has been charged off, and several months of payment history are missing or marked XXXX 

I have already sent a written dispute directly to Citicards CBNA requesting that they verify or correct the information under their obligations as a furnisher of credit data. I am now requesting CFPB review because the reporting remains inconsistent and appears to violate the accuracy requirements of the Fair Credit Reporting Act ( FCRA ), sections 607 ( b ) and 623 ( a ) ( 1 ) ( A ). 

CITICARDS CBNA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
When doing business with a store that runs their credit card through Comenity Bank you will be stolen from if you return an item. If you do not pay your account balance in full, even if an item has been returned and is posted to your account, they will charge you interest and mark your account not in good standing as if the balance was not paid in full. When an item has already been returned and the credit is showing on my account I do NOT owe for it. If I am not in possession of an item or Im not receiving a service, I do not owe you. Update your technology as this is stealing from your clients. Taking money for items that the merchant has in their possession should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
I am filing a complaint against XXXX/OneMain for inaccurate and inconsistent credit reporting, as well as failure to properly investigate my disputes in compliance with the Fair Credit Reporting Act ( FCRA ). I have been sending written disputes directly to XXXX/OneMain since XX/XX/year>, yet they have failed to provide any mailed investigation results, supporting documentation, or evidence of a proper reinvestigation. 

The account ending in XXXX is being reported as a charged-off or collection account across all three credit bureaus, but the information does not match from one bureau to another. For example : The dates of last update, date of account information, and credit limits differ between bureaus.

The account is listed as both closed and purchased by another lender, which are contradictory statuses.

The compliance condition code is inconsistentreported as account not disputed on some bureaus and account disputed on another. 

XXXXOneMain also failed to send me any proof of a complete reinvestigation such as the original signed agreement, full payment history, or charge-off documentation. This violates FCRA 623 ( b ) and 611 ( a ) ( 1 ) ( A ), which require furnishers to conduct a reasonable investigation and report accurate results. Reporting continued during the dispute process without correction, which also violates 623 ( a ) ( 1 ) ( A ). 

Additionally, it appears that XXXX/OneMain allows this account to re-age, or update with new derogatory dates even when no new payments or activity occurred, causing constant score fluctuations and misleading reporting history. This behavior shows a failure to maintain reasonable procedures for accuracy under FCRA 607 ( b ).

To date, I have not received a mailed response or verification package from the furnisher, and the account continues to report derogatory despite being under dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: NV

Complaint narrative:
When I woke up Saturday morning, XX/XX/XXXX I seen I had Four fraud alert text messages from saturday morning at XXXX XXXXXXXX XXXX XXXX.As soon as I seen them, I replied, no.There was also a text message where somebody requested a code. I then looked in my bank account and seen. There was 2 charges 1 charge at XXXXXXXX XXXX was already charged in my account for {$150.00} at XXXX there was another charge for a {$140.00} that was pending. I called immediately and was advised. I could only file a claim on the charge for a {$150.00}. And once the other charge of XXXX was an official charge and no longer pending that I had to call back and file a claim on that charge. So I filed the claim for the XXXX XXXX to had a new card sent out to me. On the XXXX I got an email response saying they came to the conclusion that there was no error and that charge was basically legit. And the money they temporarily put back in my account. They were going to reverse again. So I called back right away as I seen the {$140.00} was now an actual charge in my account.So I filed a claim on that one and was told.I couldn't file another claim or the claim couldn't be reopened for the $ XXXX until the money was reversed. So on the claim filed for the {$140.00}, they asked for documentation proving. I was in Nevada where I live. Because the charges were done in California. These charges were done at night. When I was asleep, I did have one charge. I used my other bank card at a XXXX XXXX on the XXXX. I sent that as proof that I was in XXXX. On the XXXX and not in California. And they still denied the claim. Now they are requesting, I go to file a police report and send it to them. This has been nothing but an inconvenience. And it is {$300.00}. It's not {$5.00} or {$20.00}. It's {$300.00}. And I am not going to let this go.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
Ally Financial repossessed my vehicle without first providing me with a required Notice of Default or Right to Cure, violating my state 's consumer protection laws. After repossession, I was never given a Notice of Sale, or a Deficiency Balance Notice, which are required under UCC 9-611 and 9-614.

This failure deprived me of my right to redeem the vehicle or understand the amount allegedly owed. The account is also being reported to the credit bureaus inaccurately and without proper documentation, violating the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ).

I am demanding a full investigation and the immediate removal of this account from all credit reports due to these violations and failure to follow lawful procedures.

DELETE ALL ACCOUNTS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: MoneyLion Inc.
State: MI

Complaint narrative:
Upon reviewing my credit report obtained from your agency, I discovered that MoneyLion has reported an account that I believe is inaccurate due to a false investigation and the reaging of a debt.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, and I request an investigation into this matter. I ask that you review my account ; XXXX I hereby request the removal of the erroneous information regarding MoneyLion from my credit report within 30 days, as mandated by federal law. Please notify me in writing about the outcome of your investigation, and include a copy of my revised credit report should the disputed information be removed. 

Thank you for your prompt attention to this matter. I hope for your cooperation in rectifying this issue.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am initiating this complaint against Chase Bank because they are currently imposing an unjustified hold on XXXX XXXX XXXX {$10000.00} } in cleared funds. Despite receiving confirmation that the issuing bank has successfully honored and paid the check in full, Chase Bank is refusing to release the money, claiming an inability to complete their own verification process. This action constitutes an unwarranted restriction on my ability to access my own capital, causing immediate financial distress. I urgently request that the CFPB intervene and mandate the immediate release of the full XXXX cashier check

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As of XX/XX/year>, TransUnion is reporting multiple inaccurate and fraudulent personal identifiers on my credit file that do not belong to me. 

These include incorrect names, outdated addresses, and false employers, which could be the result of identity theft or data merging errors. 

Examples include : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX GA XXXX listed as XXXX XXXX and XXXX XXXX My verified and correct address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX, which I will be providing with my dispute documentation. 

I am filing this CFPB complaint to report TransUnions failure to maintain maximum possible accuracy in my consumer file as required by FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ].

I am preparing a formal written dispute to TransUnion under FCRA 611 and 605B, and I am requesting oversight to ensure the company properly deletes or blocks fraudulent information once submitted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Kikoff Inc.
State: WI

Complaint narrative:
XXXX misrepresented the nature of its XXXX Account by marketing and contracting it as an open-end consumer credit or credit cardtype account, while in reality operating it as a closed-loop installment plan limited only to XXXX XXXX purchases. At account opening, XXXX automatically charged {$420.00} against the tradeline without any purchase authorization or use of credit, and later admitted in writing that this charge was a service plan rather than a credit transaction. The written agreement stated that the account could be used from any merchant authorized to accept your Account, which was false, and no card was ever issued. XXXX then reported the account as revolving and open to Experian, Equifax, and TransUnion, damaging my credit utilization ratio and profile. When I disputed the reporting, XXXX verified the inaccurate information. 

These actions violate the Wisconsin XXXX XXXX ( XXXX XXXX. chs. XXXX ), the Truth in Lending Act ( 15 U.S.C. 1637, 1643 ), the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ), and constitute deceptive and abusive practices under 12 U.S.C. 5531 ( a ). 

Despite multiple written good-faith attempts to resolve the issue, XXXX refused XXXX correct the reporting, refund the unauthorized {$420.00} charge, or issue the required Right-to-Cure notice under XXXX XXXX. XXXX before declaring default or reporting delinquency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation