vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 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I am submitting this formally dispute several inaccurate and outdated items currently being reported on my credit file. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically FCRA 605 ( a ) ( 15 U.S.C. 1681c ) Prohibiting obsolete or outdated information from being reported ; FCRA 623 ( a ) ( 5 ) Requiring accurate reporting of the Date of First Delinquency ( DOFD ) ; and FCRA 604 ( a ) ( 3 ) Restricting inquiries to those made with a permissible purpose. The information listed below contains discrepancies, outdated data, and unverifiable details that have negatively affected my credit standing. I request a full reinvestigation and correction. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$94.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$580.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2025-10-28 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: Block, Inc.
State: FL

Complaint narrative:
Hi on XX/XX/year> amounts of {$89.00} and {$35.00} was deducted from my account and I don't even have my card which Ive ordered way on XX/XX/year> at this moment request for XXXX cards still havent received the card and now this with my money being taken from my account and I have filed a dispute! that was my bill money and I didn't authorize this purchase! this is unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I checked my Trans Union credit report today and I saw XXXX unauthorized fraudulent inquiries on my report which one I never authorize no one to pull my credit report, the credit inquiry is unknown/ & unauthorized , a violation of the law 15 U.S. Code 1681b - Permissible purposes of consumer reports. 

XXXX XXXX Reported on XX/XX/year> XXXX XXXX Reported on XX/XX/year> XXXX XXXX Reported on XX/XX/year> XXXX XXXX Reported on XX/XX/year> XXXX Reported on XX/XX/year> XXXX XXXX Reported on XX/XX/year> XXXX Reported on XX/XX/year> XXXX XXXX Reported on XX/XX/year>XXXX XXXX Reported on XX/XX/year> XXXX XXXX Reported on XX/XX/year> XXXX Reported on XX/XX/year> XXXX XXXX XXXX Reported on XX/XX/year> XXXX Reported on XX/XX/year> XXXX XXXX Reported on XX/XX/year> XXXX XXXX Reported on XX/XX/year> 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 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I have tried to open a account with a bank but they keep denying me I am a victim of indentity theft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
What Happened I am filing this complaint against American Express for failing to properly investigate my billing dispute under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and Regulation Z ( 12 C.F.R. 1026.13 ). 

On XX/XX/year>, I was charged {$540.00} by a foreign merchant, XXXX XXXX XXXX, for items valued at {$360.00}. The difference represented undisclosed customs duties and import fees that were not disclosed prior to purchase. My claim is based on material nondisclosure in violation of Federal Trade Commission ( FTC ) pricing regulations, which require sellers to disclose all material pricing terms before checkout. 

XXXX Failure to Investigate I submitted detailed documentation showing that : The merchant did not disclose customs duties at checkout ; Their claim that duties included appeared only after purchase on an invoice ; I provided screenshots of the old checkout flow showing no such disclosure ; I also provided new screenshots showing that the merchant has since updated their website to add a visible line item for XXXX before purchase effectively admitting the prior nondisclosure ; I included an email chain showing I attempted to resolve the issue directly with the merchant. 

Despite this, American Express repeatedly ruled in the merchants favor, relying solely on the same post-sale invoice the merchant previously submitted. AmEx ignored my newly submitted evidence, failed to address my legal claims, and did not conduct a reasonable investigation as required under the FCBA.

Violations and Concerns AmExs handling of my dispute violates 15 U.S.C. 1666 ( a ), which requires a good-faith investigation and a written explanation of findings.

AmEx failed to review or consider my additional evidence submitted on multiple occasions. 

The dispute processors relied on a non-compliant document from the merchant that does not satisfy FTC disclosure rules.

AmExs repeated closure of the dispute without substantive review shows a systemic failure to comply with the FCBAs investigation requirements.

What I Am Requesting That the CFPB direct American Express to reopen and properly investigate the dispute ; That AmEx issue a full refund of {$540.00} ; That AmExs compliance department review this as a potential Fair Credit Billing Act violation ; That AmEx provide written confirmation that future disputes involving foreign merchants will receive full evidence review when new information is submitted. 

Supporting Documents Submitted Letter to AmEx dated XX/XX/year> summarizing website change evidence Screenshots of old and new XXXX checkout pages Original invoice showing bundled duties in product prices Email chain documenting direct refund request to merchant Timeline of all correspondence and escalations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted valid disputes more than 35 days ago and in prior correspondence. Equifax Experian and TransUnion continue to report inaccurate personal information unauthorized inquiries collections and charge offs. The bureaus have failed to conduct a proper reinvestigation and have not provided the method of verification or documentation relied upon. Their ongoing failures violate my rights under the Fair Credit Reporting Act. 

Disputed items and incorrect personal information to correct or remove Current address listed incorrectly : XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Previous address listed incorrectly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Previous address listed incorrectly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Previous address listed incorrectly : XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Employers listed incorrectly : XXXXXXXX XXXX XXXXXXXX Unauthorized inquiries to remove XXXX XXXX XXXX XXXX XXXX Entertainment XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Accounts to investigate and remove if unverifiable Collection XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXXXXXX XXXX XXXX XXXX XXXX  Legal basis for complaint 15 U.S.C. 1681i a Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i a 7 Failure to provide the method of verification 15 U.S.C. 1681e b Failure to maintain maximum possible accuracy

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 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted valid disputes more than 35 days ago and in prior correspondence. Equifax Experian and TransUnion continue to report inaccurate personal information unauthorized inquiries collections and charge offs. The bureaus have failed to conduct a proper reinvestigation and have not provided the method of verification or documentation relied upon. Their ongoing failures violate my rights under the Fair Credit Reporting Act. 

Disputed items and incorrect personal information to correct or remove Current address listed incorrectly : XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Previous address listed incorrectly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Previous address listed incorrectly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Previous address listed incorrectly : XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Employers listed incorrectly : XXXXXXXX XXXX XXXXXXXX Unauthorized inquiries to remove XXXX XXXX XXXX XXXX XXXX Entertainment XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Accounts to investigate and remove if unverifiable Collection XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXXXXXX XXXX XXXX XXXX XXXX  Legal basis for complaint 15 U.S.C. 1681i a Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i a 7 Failure to provide the method of verification 15 U.S.C. 1681e b Failure to maintain maximum possible accuracy

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 2025-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC
State: IN

Complaint narrative:
The collection accounts that are showing as XXXX XXXX and Cavalry Portfolio Services on my credit, does not belong to me. I do not have an account with these companies and I do not have anything signed with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NV

Complaint narrative:
On XX/XX/XXXX, my Chime account was suddenly closed without warning, and I lost access to {$1000.00} that was sent to me that morning as a rent payment. Despite multiple calls to Chimes customer support and a supervisor, I have not received an explanation or refund. 

Here is a detailed timeline of what happened : XXXXXXXX XXXX XXXX  My partner sent me a {$1000.00} rent payment through Chime. The transaction was marked Complete. 

XXXX XXXX XXXX  We contacted Chime Support because we forgot the email address linked to my account. The representative opened a support ticket. 

XXXX XXXX XXXX I received an email stating my account had been closed. 

XXXX XXXX XXXX When I tried logging in, I received a message saying Your account has been closed. If you think this is a mistake, contact XXXX XXXX. 

XXXX XXXX XXXX  After calling again, I was told that my account was closed. 

XXXX XXXX XXXX I called a third time and was told that if I personally contacted Chime, the account could be reopened and the ticket canceled. 

XXXX XXXX XXXX I spoke with another representative ( with my mother and partner on the line ). They confirmed the funds were still in the account but said the account from XXXX was non-compliant. They gave no explanation or details about the alleged non-compliance. 

XXXXXXXX XXXX  : I escalated the issue to a supervisor, who confirmed that my account could not be reopened or refunded. He also refused to provide contact information for Chimes corporate office or any higher escalation option. 

At this point, Chime has retained {$1000.00} of my funds without cause or a legitimate explanation. The decision to close my account without prior notice, deny access to my funds, and refuse transparency violates fair banking practices and has put me in a serious financial hardship. 

I have attached screenshots showing : Proof of the {$1000.00} rent payment being sent. 

The login error message showing my account was closed. 

The email from Chime confirming the account closure. 

Desired Resolution I am requesting : A full refund of the {$1000.00} that remains in the closed account. 

A written explanation of why my account was labeled non-compliant. 

Assurance that Chime has reviewed this matter at a corporate or executive level.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: TX

Complaint narrative:
I received a loan from XXXX XXXX XXXX on XX/XX/year>. I was not given the interest rate upfront. I ask the interest rate and was given 800 %. I told the representative I did not want the loan that this was an extreme excessive rate. The representative told me the rate was negotiable and they could make it 400 %. I told them it was still excessive and they advised it was still negotiable. They sent me a document online to sign and advised me to just scroll down and sign. I did not see the rate when signing. I later looked at the contract and the rate was 472.95 %. I made XXXX payments of XXXX starting on XX/XX/year>. I called on XX/XX/year> to get the payoff and told {$2400.00}. I ask how could that be when I had paid all total of {$1800.00} and was now planning to pay the loan off. They said only pennies of my payment of XXXX was going to the principle. They then advised me the payoff would be refigure that amount and it would now be {$2600.00}.

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 2025-10-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: NV

Complaint narrative:
This complaint supplements my prior CFPB case filed on XX/XX/year> against Sentry Credit , Inc . 

In Sentry Credits official CFPB response, they stated that all collection activities on this account were immediately suspended pending the receipt and mailing of the requested validation. However, I subsequently received a new collection letter dated XX/XX/year> ( received XX/XX/year> ) even though no validation of the alleged debt has ever been provided. 

This new letter contradicts the companys statement to the CFPB and appears to violate the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) continuing collection during a dispute and 1692e ( 10 ) false or misleading representation ). 

Please link this complaint to my earlier case for continuity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I submitted a formal dispute letter to Equifax on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Equifax has XXXX to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Equifax has therefore failed to conduct a reasonable reinvestigation as required by lawXXXX XXXX XXXXXXXX XXXXXXXX XXXX....

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: PA

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: IL

Complaint narrative:
I am submitting this XXXX expedited follow-up complaint to formally dispute and demand the immediate removal of fraudulent accounts appearing on my credit report, which are the result of identity theft. Enclosed is a copy of my official Identity Theft Report, as required under FCRA 605B ( 15 U.S.C. 1681c-2 ). These accounts were not opened or authorized by me, and their presence on my credit file is inaccurate, misleading, and severely damaging to my creditworthiness. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2900.00} XXXX XXXX XXXX XXXXXXXX Balance {$3900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( multiple dates in XXXX ) Under FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), I have the right to dispute any information I believe is inaccurate, fraudulent, or unverifiable. The credit bureaus are required to conduct a reasonable and thorough reinvestigation within 30 days, and any information that can not be verified must be deleted permanently. 
Further, FCRA 607 ( b ) mandates that credit reporting agencies ensure maximum possible accuracy of all information reported. Reporting these fraudulent accounts violates this requirement and undermines the purpose of the FCRA as outlined in 602, which protects consumers from credit file inaccuracies. Additionally, FCRA 623 ( a ) ( 2 ) obligates furnishers to correct, update, or delete any information determined to be inaccurate once notified of a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have requested several times to receive information that they have proving a Bankruptcy after I provided confirmation that the court did not provide this information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: AR

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$2100.00} XXXX XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MN

Complaint narrative:
I am a victim of identity theft crisis and have notified all my financial institutions of my financial crisis. This has happened several times to multiple accounts including my investment accounts, cryptocurrency and credit accounts. My personal identifiable information has been compromised and I have contacted in recent weeks to get my account refunded for fraudulent transactions or closing accounts. I havent received any response or help from these companies to resolve this matter. I am also a victim of imposter scam and have been trying to resolve this issue as well. I have tried contacting the FDIC havent received any update yet from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America closed my checking account without prior notice while I was using it from abroad ( XXXX ). I want to know why it was closed and how to recover my remaining funds.

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 monetary relief