vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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

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 2025-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
Got my wallet stolen on XX/XX/XXXX, debit card was used without my authorization. I filed a dispute with Chime and they denied it. They said a police report was NOT required but not sure why it got denied. My money was stolen..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: FL

Complaint narrative:
I am submitting this formal complaint to report fraudulent accounts that have been illegally added to my credit reports by creditors and/or debt collectors. These accounts are not mine, and I did not authorize, open, or benefit from any of the listed accounts in question.

Despite submitting multiple disputes to the credit reporting agencies ( Equifax, TransUnion, and Experian ), the fraudulent accounts remain on my report and are being inaccurately verified as belonging to me. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Key Issues : Identity Theft/Fraudulent Accounts : The accounts listed do not belong to me. I have never opened them, authorized them, or conducted any business with these creditors. They are a result of fraud or identity theft. 

Failure to Investigate : I filed disputes with each credit bureau, but the responses I received were generic and claimed the accounts were " verified '' without providing any proof, contracts, applications, or original records to support the claim. This violates FCRA 1681i, which requires a thorough and meaningful investigation.

No Proof Provided : The furnishers and credit bureaus have failed to provide documentation that verifies these accounts as mine. Under the FCRA, if a creditor can not verify the account with actual documentation, it must be deleted immediately. 

Emotional and Financial Distress : These fraudulent accounts have damaged my credit scores, denied me financial opportunities, and caused me significant emotional distress, financial strain, and reputational harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX Date : XX/XX/XXXX To : TransUnion / Experian Subject : Dispute of Inaccurate Reporting XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Dear Experian / TransUnion, I am writing to formally dispute inaccurate and potentially misleading information on my credit report related to the following account : Creditor : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Type : Credit Card ( Revolving ) Balance : {$130.00} Past Due : {$130.00} Date Opened : XX/XX/XXXX ( Experian ), XX/XX/XXXX ( TransUnion ) Reported Status : Collection/Charge-off Last Reported : XX/XX/XXXX Comments : Charged off as bad debt / Profit and loss write-off / Unpaid balance reported as a loss by the credit grantor This account reflects inconsistencies, including a {$390.00} high credit against a {$200.00} credit limit and an unclear timeline surrounding the date of last payment ( XX/XX/XXXX ) versus the charge-off and reporting dates. I am requesting that the credit bureau : Verify the accuracy of the dates, high credit, and payment history with original source documentation.

Clarify or correct any discrepancies found in the credit limit, high balance, and status.

Remove or update this information if it can not be verified in full compliance with the Fair Credit Reporting Act ( FCRA ).

If the account can not be fully verified or corrected, I request that it be removed from my credit file.

Please complete the investigation within 30 days, as required by law, and provide me with a written response detailing the outcome of your findings.

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 non-monetary relief
Consumer complaint received 2025-06-08 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: VA

Complaint narrative:
I am filing this formal complaint against the three major Credit Reporting AgenciesTransUnion LLC, Experian Information Solutions, and Equifax Inc.for their continued failure to comply with multiple provisions of the Fair Credit Reporting Act ( FCRA ) regarding a bankruptcy listing on my credit file. 

I have submitted multiple written disputes and formal requests to each of these agencies asking for the following : A complete CRA Procedural Description as defined by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), which requires the consumer reporting agency to disclose : a description of the procedure used to determine the accuracy and completeness of the information, the business name and address of any furnisher of information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available. 

Despite my repeated and documented requests, none of the agencies have provided this legally required procedural information. Instead, I have received boilerplate stall letters or no response at all, even after providing verified identification documents multiple times. 

This is a direct violation of the following sections of the FCRA : Violations of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to furnish the required procedural description when requested by the consumer.

15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy of the information.

15 U.S.C. 1681g ( a ) ( 1 ) Failure to clearly disclose to the consumer all information in their file upon 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 non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to file a formal dispute concerning an unauthorized auto loan account that has been fraudulently reported under my credit file as a result of identity theft. I did not open this account, nor did I authorize anyone to do so on my behalf. 

I became aware of this fraudulent account in XX/XX/2025, and I have since filed a police report and reported the identity theft to the Federal Trade Commission ( FTC ). This fraudulent account must be permanently removed and blocked from my credit report in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, which requires that : The fraudulent data be permanently blocked within 4 business days of receiving proof of identity theft ; My credit file be updated and corrected within 15 calendar days. 

The furnisher ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX ) Of the fraudulent data also be notified to cease reporting the account.

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 2025-06-08 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: GA

Complaint narrative:
I thought I was making a purchase from XXXX. XXXX with my cash app card. It was a fraudulent website. I spent {$47.00}. I have contacted Cash app about refunding the money and I've done this about XXXX times they deny the claim every time and don't even look at it cause they can't. It only takes him about XXXX minutes to deny my claim they're not trying to find out any information about the company they're just denying my claim they should be refunding my money, but they are refusing to refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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

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 2025-06-08 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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: GA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-06-08 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: VA

Complaint narrative:
I am filing this formal complaint against the three major Credit Reporting AgenciesTransUnion LLC, Experian Information Solutions, and Equifax Inc.for their continued failure to comply with multiple provisions of the Fair Credit Reporting Act ( FCRA ) regarding a bankruptcy listing on my credit file. 

I have submitted multiple written disputes and formal requests to each of these agencies asking for the following : A complete CRA Procedural Description as defined by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), which requires the consumer reporting agency to disclose : a description of the procedure used to determine the accuracy and completeness of the information, the business name and address of any furnisher of information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available. 

Despite my repeated and documented requests, none of the agencies have provided this legally required procedural information. Instead, I have received boilerplate stall letters or no response at all, even after providing verified identification documents multiple times. 

This is a direct violation of the following sections of the FCRA : Violations of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to furnish the required procedural description when requested by the consumer.

15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy of the information.

15 U.S.C. 1681g ( a ) ( 1 ) Failure to clearly disclose to the consumer all information in their file upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: VA

Complaint narrative:
I am filing this formal complaint against the three major Credit Reporting AgenciesTransUnion LLC, Experian Information Solutions, and Equifax Inc.for their continued failure to comply with multiple provisions of the Fair Credit Reporting Act ( FCRA ) regarding a bankruptcy listing on my credit file. 

I have submitted multiple written disputes and formal requests to each of these agencies asking for the following : A complete CRA Procedural Description as defined by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), which requires the consumer reporting agency to disclose : a description of the procedure used to determine the accuracy and completeness of the information, the business name and address of any furnisher of information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available. 

Despite my repeated and documented requests, none of the agencies have provided this legally required procedural information. Instead, I have received boilerplate stall letters or no response at all, even after providing verified identification documents multiple times. 

This is a direct violation of the following sections of the FCRA : Violations of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to furnish the required procedural description when requested by the consumer.

15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy of the information.

15 U.S.C. 1681g ( a ) ( 1 ) Failure to clearly disclose to the consumer all information in their file upon 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 2025-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I am writing to file a formal complaint against Portfolio Recovery Associates , LLC ( PRA ) for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) in connection with their ongoing attempts to collect an alleged debt. 
On multiple occasions, I have lawfully requested that PRA furnish the following documentation as part of their obligation to validate the debt under federal law : A signed contract or agreement establishing my legal obligation to this debt. 

A full payment history and itemized breakdown of all alleged charges, fees, interest, and payments. 

Documentation proving that PRA is legally authorized to collect debts in the XXXXXXXX XXXX XXXX 

Evidence that proper notification and authorization were provided to me before reporting this alleged debt to the Credit Reporting Agencies.

Despite these requests, PRA has failed to provide any of the required documentation. Their refusal to comply with basic verification procedures is a clear violation of several federal laws.

Violations of the Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1692g ( b ) A debt collector must cease collection efforts until they provide d
ebt validation when a consumer disputes the debt in writing.

15 U.S.C. 1692e Prohibits false, deceptive, or misleading representations in connection with the collection of a debt.

15 U.S.C. 1692f Prohibits the use of unfair or unconscionable means to collect or attempt to collect any debt.

Violations of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing inaccurate or unverifiable information to Credit Reporting Agencies .

15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable investigation of a disputed item after being notified by a consumer.

15 U.S.C. 1681b Requires a permissible purpose before obtaining or furnishing consumer information to a Credit Reporting Agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: WV

Complaint narrative:
Unnecessary transaction fees have been charged over the last several years. I purchase crypto with one intention in mind - sending it. XXXX  claims it's internal security system is automated and can not be over ridden. This is what happens ; I purchase crypto to send to an external wallet - Transaction fee paid Attempt to send Receive a message " Things don't appear to be working right now '' which doesn't allow the transaction to go through. 

Forced to sell crypto - Transaction fee paid There is no disclaimer saying i may not be able to send my money. If there was, i would not buy then sell just moments later .. only to pay transaction fees twice. 

They also hold select crypto sales for 5 days and claim the transaction is " being reviewed ''. The review takes 120 hours on the dot every single time, which seems too punctual to be an actual review. Not sure exactly what all is going on here, but i've paid thousands in fees and they offer no help. I have exhausted all other avenues and turn to you to please look into their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In XXXX I cosigned on a loan for my partner. He did not pay the loan payments and they repossessed the vehicle in XXXX. He filled bankruptcy. 

Credit acceptance sold the XXXX at auction for XXXX dollars well below it's XXXX bluebook value. They then proceeded to take me to court for the remainder. They have renewed this XXXX XXXX XXXX debt in court 3 times since this and have NEVER sent me legal documentation for court proceedings. They are currently garnishing my state taxes for payment on a XXXX XXXX XXXX debt. 

Last night I made a comment on XXXX to someone asking about their lending services. I told them to stay away! Credit acceptance team my credit report with Experian ( locked ) without my permission or requesting a loan from them. 

I will also be filling a complaint with Michigan attorneys general office.

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