vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: SD

Complaint narrative:
Dispute Subject : Incorrect and inconsistent reporting on closed Citi account Details of the Issue : I am disputing inaccurate and conflicting information on a closed Citibank credit card account being reported to my credit file. 

The account was closed by Citibank on XX/XX/XXXX. 

On XX/XX/XXXX, a Citi representative confirmed via phone that the balance was {$0.00} and the account was associated with prior fraud activity. I was advised to file disputes directly with the credit bureaus. 

I disputed the account with TransUnion, and the result was Approved. However, the reporting still reflects : A {$9400.00} balance ( should be {$0.00} ) Charge-off status XXXX payment history continuing long after the account was closed XXXX history discrepancies ( some reports show 0 % on-time payments despite XXXX years of current status, others show 31 % with no clarity ) This reporting is misleading and inconsistent. The last payment was in XX/XX/XXXX, yet payment data is still being reported or misrepresented in XXXX, XXXX, and XXXX. I have not received any collection activity or statements from Citibank for over XXXX years, despite my address being up to date. 

This is materially harming my ability to qualify for a mortgage. I request this error be addressed immediately. 

Requested Action : Please investigate this account and take XXXX of the following actions : Either remove this account entirely from my credit report, Or correct the record to reflect : {$0.00} balance Fraud notation ( if applicable ) Accurate payment history Closed status without any currently late or charge-off remarks This reporting violates the Fair Credit Reporting Act ( FCRA ) as the information being furnished is not accurate, complete, or non-misleading. 

Thank you for your attention to this urgent 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 non-monetary relief
Consumer complaint received 2025-05-04 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am contacting your credit bureau as I recognized a hard inquiry that i do not recognize as well as addresses. I have contacted you all multiple times and I'm unable to get through to have the addresses removed below as well as the hard inquiry I dont recognize. Please remove below immediately as I am not associated with them. 

Addresses : XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX # XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX BRIDGE XXXX XXXX, TN XXXX Hard Inquiry : XXXX & XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MO

Complaint narrative:
Describe what happened I sent cashapp XXXX disputes because I was scammed for {$1400.00} and they havent gave me any help. I sent this in the dispute letting them know what happened : I was in XXXX for a weekend and I bought a car which I sent to an XXXX dealership. I flew back home and left my car at the dealership to get diagnosed for repairs. It turned out to be over thousands of dollars for repairs I didn't need atm so I did research and looked around for legit businesses to repair my car but they were all booked. A day later I get a phone call from a business and they claimed to be " XXXX XXXX XXXX XXXXXXXX '' which was the scammer and he had told me they had spots open for my car to get worked on and that I would need to put a deposit down for my repairs and that was how he got me to send him this transaction. The repairs never happened and they took my money and called me names over the phone and a bunch of other things after sending them my payment. 
It's very draining going through this I just would like your guys help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: FL

Complaint narrative:
i recently reviewed a copy of my creadit report and noticed i had fraudulent accounts on my report .Please remove these accounts from my report, they are hurting my ability to obtain credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: TX

Complaint narrative:
I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within XXXX XXXX  stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXXi, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of & thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXXi, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I've marked as inaccurate ( XXXX ) ( Open 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 2025-05-04 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ________________________________________ FORMAL NOTICE OF DISPUTE AND DEMAND FOR PERMANENT DELETION UNDER FCRA 1681c-2, 605B, and 1681i To : Experian P.O. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. Box XXXX, XXXX, GA XXXX TransUnion XXXX. XXXX XXXX, XXXX, PA XXXX ________________________________________ To Whom It May Concern : This communication serves as a formal notice of dispute, request for permanent blocking and deletion, and demand for immediate legal compliance with the Fair Credit Reporting Act ( FCRA ), including 15 U.S. Code 1681c-2, 1681c-605B, and 1681i. 
You are hereby notified that certain entries listed below are either : The direct result of identity theft or unauthorized activity, Reinserted without proper consumer notification and certification, or Inaccurate and unverifiable under federal law. 
Your failure to promptly correct or remove this information constitutes willful noncompliance and subjects your agency to federal regulatory penalties, statutory damages, and potential civil liability under 1681n and 1681o. 
________________________________________ DISPUTED ACCOUNTS TO BE IMMEDIATELY BLOCKED AND REMOVED : XXXX. XXXX Bank Account ending in XXXX Status : {$0.00} balance as of XX/XX/XXXX Issue : Reinserted or outdated information, no valid reporting purpose, requires full deletion. 
XXXX. XXXX XXXX XXXX Account ending in XXXX Balance : {$6000.00} Reported Date : XX/XX/XXXX Issue : Account tied to identity theft and/or erroneous assignment. Supporting evidence enclosed. Block under XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: GA

Complaint narrative:
Transunion is refusing using illegal stall attics to not investigate the inaccuracies on my credit report and this is hurting me from achieving to get a home for me and my family.Transunion must finish their investigation within 30 days from the date of receipt of the original dispute. They have already being sued for not properly investigating.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
On XX/XX/XXXX my phone was stolen and {$700.00} was taken from my chime account I gave chime the information and tried to contact the number chime provided but no avail I also searched the number which lead to XXXX which I had never been I filed a dispute with chime with 10 days without it being investigated or telling me why it was denied I appealed it several times and right before it was time to give the provisional credit the denied it! They shouldve Ben able to resolve this issue because its their service that was used to pay anyone they have to have a chime account and the customers information which they didnt give me or release to me at all it only comes up a phone number that is never answered and it has to be a digital number because it can receive text! Chime never did an investigation to see anything nor would they tell me who owned the account the money was sent to I had to pay to figure out who the number was and belonged to is was some XXXX XXXX XXXX based in XXXX chime did nothing to help me after me telling them I didnt make the transaction they went into my phone And sent the money from my XXXX XXXX account to my chime account and then sent to that account and chime could see this which they couldve just resolved but they wouldve had to admit that the account was bogus that they let someone open up a fake account to send money to and just didnt want to take a loss they didnt follow regulations at all here it is in XX/XX/XXXX and Im still fighting to get this money back XXXX is the number it was sent to without my permission no other information provided by chime nor did they give when asked

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am submitting this complaint regarding a fraudulent credit card charge of {$2500.00} made on XX/XX/year> from Goldman Sachs Bank. I did not authorize this transaction and have reported it as fraud, yet no meaningful action has been taken by the company to investigate or resolve the issue. Despite multiple attempts to dispute the charge, Goldman Sachs has failed to remove it or provide any resolution. I am seeking assistance from the CFPB to have this fraudulent charge properly addressed and removed from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: LEXISNEXIS
State: IN

Complaint narrative:
This credit company is reporting a medical debt on my credit report. All medical debt should be deleted from credit report by XX/XX/XXXX. 

Individual Date opened XX/XX/XXXX XXXX XXXX account. {$850.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$850.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$850.00} Highest balance - Terms 1 Month On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Payment history guide Collection as of XXXX XXXX This account is scheduled to continue on record until XX/XX/XXXX. 

Historical info Original creditor XXXX XXXX XXXX XXXX info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, IN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lloyd & McDaniel, PLC
State: GA

Complaint narrative:
I am writing regarding the alleged debt related to the account listed on my letter. I dispute the validity of this debt and request that you provide me with the proper verification and validation of the debt as required by the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Subject : Dispute of Unauthorized Hard Inquiries on My Credit Report To Whom It May Concern, I am writing to formally dispute several unauthorized hard inquiries listed on my TransUnion credit report. I have reviewed my report and discovered inquiries that I did not authorize or initiate, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. 



According to the FCRA, consumer reporting agencies may only furnish credit information to a third party with written consent from the consumer. I have not granted permission for the companies listed below to access my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I request that these hard inquiries be removed from my credit report immediately and that you investigate and verify each one. If the inquirers are unable to provide verifiable documentation proving my authorization, the inquiries must be deleted. 




Please complete this investigation within the XXXX  days required by law and notify me of the results in writing. 


Thank you for your immediate attention to 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 2025-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: AZ

Complaint narrative:
It started in XX/XX/year>, I was sent a closure check from Chime bank because they closed my account. The check was of XXXX USD. I moved homes during the time and I called and requested for them to void the check that was getting sent to my previous address and send a new check to my new address, with the previous XXXX voided. After sometime and my check did not arrive, I called to see where it was and I was told it was cashed, and sent to the address that I told them NOT to send it to and void. Instead, they allowed my check to still be sent without a void which lead to my check getting stolen. I attempted to contact chime well over XXXX times in the past year, because they are at fault for this because of their negligence. They refuse to help, ive been hung up on, faced with rude and disrespectful behavior and they told me to open an investigation with authorities which I did, which only proved that I did not cash out that check. I relayed all of this to them just recently as a detective was assigned to my case, and they still refuse to refund my full check back and theyve been rude, unhelpful and disrespectful during this whole time, and tried to blame me for someone else cashing my check when they sent my check to the wrong place anyway, even though I was told they would send it to the correct address. I tried reaching out to them as recent as a few days ago from this complaint, and still, they refuse to refund me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
Date : XX/XX/XXXX Amount {$12000.00} XX/XX/XXXX NATLCRSYS Re : Cease and Desist Collection Activities To Whom It May Concern : This letter is to inform you that, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), you are hereby directed to cease and desist all further communication with me regarding the alleged debt referenced above.

If you believe I owe this debt, please provide proper written validation, including the name of the original creditor, the amount of the debt, and any relevant documentation. Until such validation is provided, you are not permitted to continue collection efforts.

Let this serve as formal notice that I do not wish to be contacted further, either by phone, email, or mail. Any continued attempts to collect on this alleged debt will be considered a violation of federal law, and I will not hesitate to report such violations to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and my state attorney generals office. 

This letter does not acknowledge any validity of the alleged debt and is not a promise to pay. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Please send me documentation with proof of my signature showing that I in fact applied with this creditor otherwise remove these XXXX unverifiable inquiries from my credit report. XXXXXXXX XXXX  : XX/XX/year> and XXXXXXXX XXXX : XX/XX/year>. In addition, I didn't give you permission ( Equifax ) too furnish this information on my credit report which is a violation of the Credit Reporting Act Section 1681b { c ) which constitutes fraudulent activity and is a serious breach of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute one or more medical bills inaccurately reported on my credit report, in violation of the Consumer Financial Protection Bureaus ( CFPB ) final rule, effective XX/XX/year>, which prohibits consumer reporting agencies from including medical debt on credit reports sent to creditors ( Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information, Regulation V ). I request the immediate removal of these items, as their presence constitutes a violation of federal law.

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