vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 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: NJ

Complaint narrative:
I am filing a complaint regarding the XXXX account reported on my credit file. The information that XXXX is furnishing is incomplete, inconsistent, and materially inaccurate under FCRA 623 ( a ) ( 1 ) ( A ) and Metro-2 guidelines. 

XXXX is reporting the account only to TransUnion, while Experian and Equifax show no data for the same account. This is inconsistent and creates an inaccurate consumer profile. 

XXXX is reporting the account as Collection/Chargeoff but still showing a balance owed ( {$22.00} ). A chargeoff can not legally be reported with an active balance unless they disclose the new owner of the debt, which they did not. 

The account is missing critical dates, including no payment history, no date of first delinquency, no date of last payment, and no collection placement details. Many fields are reported as --. 

XXXX reports Placed for collection, but does not identify any collection agency, does not provide a transfer date, and does not show any validation or supporting information. 

Because XXXX provides no payment history and no accurate chronological data, the derogatory reporting can not be verified. 

The reporting is incomplete across all required fields in XXXX, making the derogatory status unverifiable and misleading. 

Due to these inaccuracies, the account appears as a derogatory collection account without the required supporting data, causing significant harm to my credit score.

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 2025-11-15 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: OneMain Finance Corporation
State: GA

Complaint narrative:
XX/XX/XXXX ONEMAIN XXXX XXXXXXXX XXXX XXXX, IN. XXXX ( XXXX ) XXXX TO WHOM IT MAY CONCERN, This notice is to inform you that you unlawfully reported an UNAUTHORIZED ACCOUNT on my CONSUMER report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information 15 U. S. Code 6802 ( b ) -Obligation With Respect To Disclosures Of Persona Information. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the CONSUMER, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the CONSUMER is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the CONSUMER is given an explanation of how the CONSUMER can exercise that nondisclosure option. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

I am writing this letter to DISPUTE the following INQUIRY FROM THIS COMPANY : ONEMAIN, DATE : XX/XX/XXXX... 

This agency is in violation of the 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. As my right to Privacy and Consent 15 U. S. Code 1681 ( a ) ( 4 ) There is a need to insure that CONSUMER reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the CONSUMERS right to privacy. Therefore, the following ACCOUNT must be DELETED from my CONSUMER credit report IMMEDIATLY... 

I DEMAND the following INQUIRY : ONEMAIN, DATE : XX/XX/XXXX be UPDATED AND DELETED IMMEDIATLY...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
The company reporting this debt has not proven that I owe it. I disputed the account and they only sent a lease addendum, which does not show how the balance was calculated, does not show any itemized charges, does not show they own the debt, and does not include any contract with my signature. 
They also missed the XXXX deadline to properly respond, and I have certified mail receipts showing they received my dispute on time. 
Since they could not verify the debt within the required time, this account should not be on my credit report. 
I am requesting that this account be removed from XXXX XXXX XXXX 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OR

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, Cash App processed XXXX transactions totaling {$17000.00} to merchants whose activity falls under Cash Apps own restricted/prohibited categories, specifically gambling and wagering-related activity. 

Cash Apps Acceptable Use Policy clearly states that gambling, online casino transactions, and wagering-related financial activity are prohibited and may not be processed. Despite these written rules, Cash App continuously approved these transactions for nearly two years without blocking, warning, or enforcing its policy at any time. 

I relied on Cash Apps stated policy, which led me to believe these transactions would not be permitted. Cash Apps failure to enforce its own restrictions resulted in significant financial loss during the covered period. 

Later, Cash App closed my account but has not provided any explanation as to why prohibited transactions were allowed, nor have they provided a review or remediation for the losses caused by this policy failure. 

I am requesting : A full audit of all relevant transactions A written explanation for why Cash App approved transactions that fall under its own prohibited categories Reimbursement for the financial losses caused by Cash Apps failure to enforce its Acceptable Use Policy Disclosure of any internal merchant classification or compliance errors A review by Cash Apps compliance department and corrective action Cash Apps customer support has not provided a meaningful resolution. I am requesting CFPB assistance in resolving this matter. 

Amount involved : {$17000.00} Dates involved : XX/XX/XXXX XX/XX/XXXX Account status : Closed by Cash App after the transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: NY

Complaint narrative:
I believe the late payments and delinquent status appearing on my credit are in error. The accounts were not late under the agreed terms, so those remarks should be deleted. Please update the accounts to Paid as Agreed and eliminate any delinquent status.

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 2025-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have had a Chase Freedom card for over five years. On XX/XX/XXXX, despite my former verbal request in XXXX to keep the {$10000.00} limit active, Chase decreased my limit back to {$5000.00}. I used the card in XXXX just in July 10-14, 2025. I immediately paid off the balance when I was wasnt informed of a 3 % usage fee in foreign countries, and since the death of my parents, I have used this credit card ending in XXXX for everything from groceries to burial expenses. My wallet was stolen and I asked for a new card in late XX/XX/year>, but all transactions remain under the same account, so Chase can see my history of full utilization. The letter that I received on XX/XX/XXXX explains that my credit limit was reduced based on usage and credit reporting. My credit score is almost an XXXX, and I pride myself on paying off any balances. This company has punished me for not keeping a high balance, and stated that I can reapply and they can pull my credit once more. I stated that I am disinterested in having my credit reevaluated when the company claims to have recently pulled and evaluated my current credit history as a basis for lowering my limit. As a long term customer with excellent payment history and a zero balance but frequent usage, I fear that I am being discriminated against and punished for being able to pay off my balance. There is no merit for reducing a paying customers credit limit with an ideal credit score. As it stands, they refuse to restore the credit limit to {$10000.00} stating that I can reapply and they can use the same credit report to reevaluate. I am a middle aged XXXX woman, and this companys practices are based on something beyond payment history, loyalty, and high credit scores. Please investigate as soon as possible. Last call, XX/XX/year>, I spoke to XXXX XXXX, supposed supervisor, and she refused to permit me to speak with her supervisor, XXXX, and she refused to reach out nor escalate to an appropriate support team, stating she is the highest person I will reach. The number called was XXXX, call XXXX. 
First representative agreed that it seemed odd to reduce the credit limit of a customer who has never been delinquent and pays off balances consistently. Upon transfer, I was told to keep my expectations realistic as in if I dont reapply no one will restore the credit limit back to its original value. I am livid, and I believe this reduction is based on race, gender, age, and other unrelated factors that the company can not explain.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: NY

Complaint narrative:
RE : FORMAL FCRA DISPUTE VALIDATION OF DEBT DEMAND ACCOUNTS UNAUTHORIZED INQUIRIES INTENT TO SUE FOR {$10000.00}

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 2025-11-15 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: NY

Complaint narrative:
RE : FORMAL FCRA DISPUTE VALIDATION OF DEBT DEMAND ACCOUNTS UNAUTHORIZED INQUIRIES INTENT TO SUE FOR {$10000.00}

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 non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
My tenant, XXXXXXXX XXXX paid rent through XXXX using a Fifth Third Bank account ending in XXXX. XXXX ACH rent payments were made : {$3000.00} on XX/XX/XXXX and {$2500.00} on XX/XX/XXXX. These were authorized payments under a valid lease. The tenant stopped paying in XXXX and was evicted in XX/XX/XXXX for non-payment. 

On XXXX/XXXX/XXXX months laterthe tenant filed unauthorized ACH disputes. Fifth Third reversed both payments immediately. Based on the lease, payment history, and eviction, the XXXX appears false or fraudulent. 

There is also uncertainty whether the tenant was even the actual account holder. XXXX allows tenants to use bank accounts not in their name, and multiple unauthorized occupants lived at the property ( mail received for XXXX individuals ). If the account belonged to someone else, the tenant had no standing to file a XXXX, and Fifth Third should not have accepted it. 

I asked Fifth Third for XXXX verification, return reason codes, and confirmation whether the XXXX signer matches the true account holder. I have received no response. I believe Fifth Third Bank accepted an invalid XXXX and mishandled the dispute under NACHA/Reg E .

I request CFPB assistance to review whether Fifth Third properly handled the dispute. 
This reversal caused a {$5500.00} loss and led XXXX to threaten collections for payments I rightfully received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Morning of XX/XX/year>, i made a cash deposit at an atm of {$1000.00}. The atm required me to confirm card XXXX XXXX XXXX XXXX which i did. At XXXX same day, I attempted to make a purchase of {$72.00} less than XXXX miles from my house. My account was immediately locked requiring i speak to a customer ser ice rep, and no other option for online transaction verification. I called and waited on hold for XXXX hours only to be told I need call " through the app '' which i explained i did, that's how I found out i had to call, and had no other options. XXXX XXXX refused to help and hung up. I entered app again, went through process of validation to call the fraud department back again, waited on hold for XXXX hours again, and got the same result. As I live more than XXXX min away from a branch, I located an atm XXXX min away to withdraw cash for my purchase. Again the atm required XXXX  and exp from card as well as pin to withdraw. Then stated I have to call to unlocked account. Went through XXXX AGAIN and waited on hold for XXXX min, was answered by an employee that had XXXX XXXX to do anything other than tell me I didn't call through the app when I did, I know I did, and has twice previously. XXXX hung up on me. At XXXX I got through app again, employee says XXXX calling from some random number I've never heard of, won't attempt to validate any info or authenticate me, puts me on hold multiple times, and once it is XXXX, tells me I need to go into a bank.... seriously? On a XXXX, after they close, and are almost an hour away? I ask her why my travel XXXX miles away for a week didn't flag anything, but I get home, deposit cash, try to spend it, and then ky account is locked for the weekend... I tell her, I need groceries as I have none, grand baby needs diapers and she is out, and all my.money was just deposited, with info confirmation, o XXXX ly to be locked. I now have a family that does not get to eat tonight, and a granddaughter who is out of diapers and wipes, and my cash deposit is frozen. Banks are holders of OUR money, not keepers and controllers ... this is absurd, over the top helicopter parenting from a bank. And is causing emotional distress on and entire family, with nothing in the house for dinner either. This warrants a lawsuit, and pursuit of damages, emotional and physical, due to the stress and disruption thrust upon an entire family for an unexplainable reason, accompanied with no remorse from any employee for the troubles they caused or pain inflicted. This is the mist abhorrent action I've ever had my XXXX XXXX XXXXXXXX YEARS commit against me. It is unreprehensible to say the least.

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 2025-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: DISCOVER BANK
State: TX

Complaint narrative:
On XX/XX/year> I found out that discover bank froze my bank account. This is a debt that is over XXXX XXXX XXXX and illegal to collect on. They have been freezing my bank accounts attempting to ruin my way of living. Im already struggling as this like the rest of America and can not afford to pay on an old debt thats illegal to collect on. I didnt even get a validation of debt and it seems they had court without me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
Between XXXX and XX/XX/year>, Cash App mishandled a fraud/scam report I submitted. I repeatedly notified Cash App that another user was contacting me inappropriately and that I believed my account activity was being misinterpreted. Instead of giving me clear guidance, Cash App gave inconsistent answers, repeatedly claimed they could not discuss information, and did not properly explain whether my account or the other account was under review. 

I also informed Cash App that I am a XXXX consumer and rely on my Cash App account to receive support from family. Their handling of my case caused stress, confusion, and fear that my account would be frozen or closed without reason. 

Throughout XXXX and XX/XX/year>, I exchanged multiple emails with their support team, but I never received a clear explanation of what actions Cash App took, what investigation was performed, or whether my report was even processed correctly. Their responses were repetitive, dismissive, and did not address my concerns. 

Cash App failed to provide proper dispute assistance, failed to provide transparency about my complaint, and failed to protect a vulnerable consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There has been a couple accounts have not been completed and reported correctly of my credit report according to the 1602c USC 15 please remove yourself my credit report without any private documents or assigned to do the signature 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: Chime Financial Inc
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> To Whom It May Concern / Credit Bureau : [ XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] Re : Dispute and Request for Debt Validation under 15 U.S.C. 1692g Dear Sir or Madam, I am writing to formally dispute the validity of the following accounts reported on my credit file. Pursuant to 15 U.S. Code 1692g of the Fair Debt Collection Practices Act ( FDCPA ), I request verification and validation of each alleged debt listed below. 
Accounts in Dispute 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 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 Derogatory / Charge Off For each account, please provide : The amount of the alleged debt ; The name of the original creditor ; A detailed itemized statement of all charges, fees, and interest ; Documentation proving you are legally authorized to collect this debt ; Any judgment details Until proper verification is provided, I request that you cease all collection activity and correct or remove any unverified accounts from my credit report, in compliance with the FDCPA. 
Please respond in writing to the address above. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation