vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-12 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: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-12 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: MI

Complaint narrative:
I was locked up in federal prison for the last 13 and a 1/2 years. There are a total of XXXX accounts that were open while i was in federal prison, which were two XXXX XXXX accounts accounts number XXXX credit card account, and account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  credit card account. Account number XXXX. XXXX XXXX XXXX accounts, account number XXXX credit card account. Second account number credit card account XXXX. Third account number secure loan XXXX. XXXX, XXXX XXXX XXXX. Type of account credit card account number XXXX. Second account from XXXX XXXX XXXX account number XXXX. All of these accounts are related to the pending disputes that are pending as of now all pending disputes.

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 2025-07-12 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: FL

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-12 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: DC

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.

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 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 2025-07-12 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: DC

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.

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 non-monetary relief
Consumer complaint received 2025-07-12 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: FL

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectifytheseissues. 
Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: ID Analytics, Inc.
State: NV

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: TX

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item.

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: TX

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.

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 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 2025-07-12 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:
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.

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 non-monetary relief
Consumer complaint received 2025-07-12 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: NJ

Complaint narrative:
recently checked my credit report and saw that there was a fraudulent account please delete it thank you XXXX XXXX - account 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 2025-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX

Complaint narrative:
I did international money transfer to bank account from my debit card through Money Gram, and the app shows that the transaction completed which not true, the receiver didnt get the money in her account, and she contacted her bank and they said they dont receive any money regarding this transaction. 
I tried to contact with Money Gram and they dont resolve my issues and I didnt get any feedback from them. 
I did the transaction at XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Velocity Portfolio Group
State: NJ

Complaint narrative:
Velocity Investment llc has made a debt in my name that the paperwork said in XXXX but I never received the opportunity to validate the debt was even mines or the opportunity to make an arrangement in the event it was my account but received a letter about being sued Im so lost on who is this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: AL

Complaint narrative:
I purchased XXXX on XXXX separate occasions and wasnt made aware that someone hacked into my account on cashapp and XXXX. I purchased {$3000.00} bitcoin on XX/XX/XXXX it was purchased and some how within minutes it was transferred to someone elses account I filled a claim and waited almost XXXX weeks to be told my claim was denied and I wouldnt receive my money back. I purchased {$2500.00} bitcoin on XX/XX/XXXX and the same thing happened but this time I was alerted someone had access from another state I am in XXXX  the other person was located in XXXX  I filed an additional claim and that was denied as well stating nothing could be done once transaction was completed and no refund could be issued I filed a claim with the XXXX  on XX/XX/XXXX of this yr.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XX/XX/XXXX, I discovered that Chase Bank submitted a fraud report on my business credit card ending in XXXX without ever notifying me. I learned about this only after my XXXX account was frozen due to chargebacks. 

All charges on the card were legitimate and paid using my business checking account. No one else made payments or used the card. I am the 100 % legal owner of the business, and all monthly statements were mailed to me at my home address. 

I contacted Chase to resolve the issue. On XXXX recorded calls with Chase staff ( XX/XX/XXXX ) .I asked for clarification about the fraud report. Both representatives refused to provide details, stating they could not speak to me even though Im the sole responsible party on the account. 

I also submitted a notarized resignation letter for the former business partner in XXXX, which Chase used to remove him from the debit account. Despite that, they still list him on the credit account and refuse to acknowledge my legal authority. 

I have now incurred financial harm, including chargebacks, account freezes, and reputational damage not just to my original business, but also to a second startup venture I was funding with this card. 

I am requesting an immediate review of this case, a formal correction of the false fraud classification, and proper recognition of me as the sole owner of the business credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: TX

Complaint narrative:
My card was stolen Im not sure by who. But there are transactions that have been made that I did not authorize. I did a dispute through Cash app and they just denied my claim. They wouldn't take the police report number or anything. I still have pending transactions that are have not went to cleared. I made a police report and they didn't want to hear it when I called to give them the information. I didn't make these transactions and they want hear it. I'm XXXX and that's the only form of money I rely on. The last time I used my card was on XXXX XXXX. They don't listen. They talk entirely to fast so that you can't understand them and then I'm not understanding why they didn't take my police report number. They sent me an email saying that I made the transactions or gave someone authorization to do so. I have never given my card to anyone. So I don't know how they can say that. I wasn't at the store at XXXX on XXXX. I didn't know my card was missing till then when I checked my cash app balance. This really doesn't make any since that they just denied my claim without even taking my police report number. This is wrong. They didn't have to be rude to me over the phone and not listen to wat I had to say. I asked for a supervisor and was denied. All of these transactions happened on XXXX. XXXX worth of my money was taken. This is not the first time that this has happened with cash app. Years ago I called and tried to dispute transactions and they just don't listen. There are about XXXX transactions that were made not by me. I haven't given anyone my pin or my card. I don't have that card in my presence. I haven't seen it since XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: DC

Complaint narrative:
I filed a complaint against trans Union Equifax and Experian Ive have at least three already telling them that this isnt me and they are selling this information around the country without my consent to do so I will continue to repost them until my issue is fixed XXXX XXXXXXXX XXXX {$810.00} XXXX  XXXX XXXX XXXX {$55.00} XXXX XXXX XXXX XXXX XXXXXXXX Ive also went an filed a class act lawsuit that I will be following through with because they have yet to provide to evidence that it was me instead they are trying to keep it on my credit I will continue to contact my lawyer everytime and also file a complaint also transUnion And Equifax has yet to resolve any of my issues or change anything dealing with my credit I also have a class act lawsuit against them as well I will be forwarding a copy of my complaint today to my lawyer they didnt abide by code 15USC1681c-2 15 U.S. Code 1681i and also 15 U.S. Code 1681i ( a ) ( 5 ) ( B this goes against my rights and I wont stop until everything is taken off

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 2025-07-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I disputed a {$55.00} charge from XXXX XXXX XXXX XXXX on my Capital One Platinum Card ( transaction date : XX/XX/year> ; case number : XXXX, later referenced as XXXX ). The charge was for an XXXX XXXX XXXX ( likely an ancillary fee like baggage ), but XXXX XXXX denied me boarding, preventing me from receiving the service. This qualifies for a chargeback under XXXX Reason Code XXXX ( Goods or Services Not Provided ). 

Capital One initially investigated, temporarily credited my account {$55.00}, and requested more info. The merchant provided vague evidence ( " Notification that goods were as described and received in good condition '' ), which is inapplicable as this was a service, not goods, and does not prove delivery ( e.g., no boarding pass or manifest ). 

On XX/XX/year>, Capital One rebilled the amount and closed the case, allowing response by XX/XX/year>. I responded on XX/XX/year>, with a detailed letter explaining non-receipt, resolution attempts at the airport ( presented Iraqi passport for visa eligibility, but denied ), and why the merchant 's evidence is insufficient. I argued the denial was the merchant 's error. 

On XX/XX/year>, Capital One closed the case again, stating my response " lacks all of the previously requested information, '' but without specifying what was missing. A prior XX/XX/year> letter ( not attached, but referenced in my XX/XX/XXXX response ) similarly lacked details. I sent another response on XX/XX/year>, requesting reopening, specificity on missing info, re-crediting, and escalation, but received no further action. 

Capital One has not : Provided clear reasons for closure or listed missing info. 
Adequately investigated the merchant 's failure to deliver the service. 
Complied with FCBA requirements for timely, transparent resolution. 
This has caused frustration and financial harm, as the charge remains on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: CA

Complaint narrative:
So I've been banking with XXXX XXXX XXXX unfortunately for the duration of me receiving my government benefits, Last year the VA deposited XXXX dollars onto my XXXX XXXX card and miraculously it trickled away along with many other months of my benefits while I was serving a XXXX XXXX XXXX in the XXXX XXXX XXXX. When I called and reported that all I got was a rude agent who told me that it would take XXXX business days for this to be investigated and she then hung up. Now fast forward 1 year later I recieve a new card and the fraud prevention team had me call 4 times all in which I waited on hold XXXX hours to be told each time to submit my id and all 4 times I've sent my id. XXXX hours later they're claiming they need XXXX more hours to investigate.? Well I wan na know what XXXX more hours will tell them that a whole year couldn't? And I want my money those are my benefits so please give them back

Company response to consumer: Closed with non-monetary relief