vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXXL Date : XXXX XXXX XXXX XXXX Date : XXXX XXXX  Date : XXXX XXXX XXXX XXXX Date : XXXXXXXX XXXX XXXX Date : XXXXXXXX XXXX XXXX Date : XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX Date : XXXXXXXX XXXX XXXX XXXX Date XXXX XXXX XXXXXXXX XXXX XXXX Date : XXXX XXXXXXXX XXXX XXXX  Date : XXXX XXXX XXXX  Date : XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX, Date Opened XXXX XXXX, Balance : {$310.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$6500.00} XXXX XXXX XXXX  - Account Number : XXXX, Date Opened : XXXX, Balance : {$310.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$780.00} DEPT OF EDUCATION/XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$30000.00} XXXX  - Account Number : XXXX, Date Opened : XXXX, Balance : {$1700.00} XXXX XXXX  XXXX - Account Number : XXXX, Date Opened : XXXX, Balance XXXX {$760.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$240.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance XXXX {$11000.00} XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX  - Account Number : XXXX, Date Opened : XXXX XXXX Balance XXXX {$0.00}

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 2025-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: TX

Complaint narrative:
In XX/XX/year>, I initiated a domestic transfer of {$870.00} from my Square balance to my external bank account at XXXX. The bank account had been closed shortly before the transfer. 

According to XXXX, the funds were received on XX/XX/year> and returned to Square on XX/XX/year> because the account was closed. XXXX confirmed they no longer have the funds and can not take further action since the return was processed on their end. 

I contacted Square support multiple times with this information. Despite providing : Confirmation of the return date from XXXX XXXX and department of the XXXX representative Detailed timeline of events Square support stated that they have no record of receiving the returned funds and that they are unable to initiate an internal trace or escalate internally to locate the funds. I am being told to wait indefinitely without a timeline for resolution. 

At this point, the money has : Left Square Been returned by XXXX Not been credited back to my Square balance Not been located internally by Square My concern is that the returned ACH funds may be sitting unposted within Squares system without a way to trigger an internal investigation. I am seeking assistance in having the return located and credited properly so that the funds can be deposited into my currently verified bank account.

I have tried to resolve this directly with Square but have been told there are no further internal actions they can take. I am filing this complaint because the funds appear to be missing between institutions, and I need intervention to ensure the ACH return is properly reconciled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: TX

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 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 2025-12-29 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: TX

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Someone went into my TD bank account and made unauthorized purchases nd they refuse to give me my money back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: AL

Complaint narrative:
I had someone stole all my information from credit cards to debit cards identity fraud i have included police reports all proof to back my claim and i also spoke with the merchant. I disputed charges to XXXX XXXX XXXXXXXX on XXXX XXXX they denied me then I had them to open another dispute up on XX/XX/XXXX included police report then I wanted XXXX weeks they denied me saying that they mistakenly didnt add police report so they immediately opened another dispute XX/XX/XXXX they stated they need more times they stated that from XXXX people including supervisor that I definitely will receive provisional credit XXXX  days which would be on XX/XX/XXXX then they lied and said whoever told me that didnt tell the truth then the third rebuttal they said on XX/XX/XXXX I will recieve provisional credit on XX/XX/XXXX and now they saying XX/XX/XXXX I will recieve provisional credit. All I have been is lied to with XXXX XXXX this is terribly wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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:
This complaint serves as my formal dispute of the accuracy and/or completeness of information contained in my consumer report. Pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), I am exercising my right to request a detailed description of the reinvestigation procedure your agency conducted in response to my dispute. I recently noticed that an item previously deleted from my credit report has been reinserted. Under 15 U.S. Code 1681i ( a ) ( 5 ) ( B ), I am requesting the following : 1. A copy of the furnisher 's certification that the information is complete and accurate. 2. The name, address, and phone number of the furnisher that reinserted the item. 3. The date the item was reinserted. 4. Proof that I was notified within 5 business days of the reinsertion, as required by law. As required by law, this information must be provided to me within 15 days of this request to remain in compliance with federal regulations. Failure to comply constitutes a willful violation of the FCRA and may result in legal action. I expect a prompt response in accordance with your statutory obligations.

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 2025-12-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
Source Receivable Management, a debt buyer, is reporting a collection account related to a XXXX equipment charge from approximately XX/XX/year>. I was never properly notified by email or mail of continued billing, contract obligations, or the alleged balance after service termination. 

Additionally, Source Receivable Management has not provided documentation showing ownership of the debt, a copy of the original contract or equipment agreement, or a complete itemization of the charges being reported. 

As a debt buyer, they are required to substantiate the debt and their authority to collect and report it. Without proof of assignment, contract, and itemization, the debt is being falsely represented and is not owed as reported. 

I am requesting deletion of this collection account from all credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: IL

Complaint narrative:
This account has been wrongfully attributed to me and the reporting is inaccurate ; I request an immediate review and correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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:
Equifax XXXX XXXX XXXX XXXX XXXX your confirmation that you verified is false misleading and against the law I request a ACDV automated consumer dispute verification from you a complete report enclosed is a PDF of my concerns about your reporting that I have a legal right to sue you over this is your reporting of false information not 100 % accurate respond through the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I recently got an XXXX XXXX Citibank Credit Card. It has a limit of {$1500.00}. You need to charge {$2500.00} in the first 3 months to get XXXX airline miles. I linked payment to the card with my checking account, several weeks ago. They made some small deposits and I told them how much they were. When I was getting near the {$1500.00}, I made a {$1000.00} payment through their app on XX/XX/XXXX. My credit card then started to be declined. I called customer service and we were going to try and go through my banks app to prove it cleared, but I lost contact and figured it should clear soon anyway. I then paid {$500.00} on XX/XX/XXXX. The next time I checked the app, I noticed that the first statement was created and I still owed {$5.00} and change so I paid that. So the Citibank app shows all this info clearly with a balance of XXXX. I called customer service again and got nowhere. Today is XX/XX/XXXX and somehow the {$1000.00} paid directly 9 days ago still hasnt cleared. If I didnt want the airline miles, I would just destroy the card. This is hands down the worst credit card Ive ever owned. I have excellent credit, with no debt. This is all either XXXX  or Citibank incompetence.

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 2025-12-29 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: FL

Complaint narrative:
I reviewed my updated credit report hoping to see the deletions and corrections of what I previously submitted. I sent a complaint explaining the violations and reasons why it should be removed. Hence these accounts remain despite my prior disputes with the credit bureaus. The bureaus refusal to remove accounts resulting from identity theft is a blatant violation of FCRA 605B and demonstrates willful noncompliance. I demand immediate deletion of these fraudulent accounts, corrective disclosures, and enforcement action to hold the bureau accountable for its unlawful conduct. I demand immediate reinvestigation, deletion of unverifiable accounts, and full compliance with 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 non-monetary relief
Consumer complaint received 2025-12-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: PA

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever theXXXX is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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
Consumer complaint received 2025-12-29 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: TX

Complaint narrative:
I have identified information on my consumer report that is a result of identity theft. The identified transaction is not information related to any transaction completed by me, the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: FL

Complaint narrative:
I am disputing the following information on my credit report, which contains inaccuracies or incomplete information. As per the Fair Credit Reporting Act ( FCRA ), I am requesting an investigation and correction. 
Disputed Account Information : XXXX. [ Creditor Name ] Account Number : [ Account Number ] Status : [ Account Status ] Dispute Details : The balance, status, or payment history of this account is inaccurately reported. The FCRA requires accurate and complete reporting of all account details. 
XXXX. [ Creditor Name ] Account Number : [ Account Number ] Status : [ Account Status ] Dispute Details : This account 's charge-off or delinquency status is reported incorrectly, and I request a full investigation. 
Possible FCRA Violations : Inaccurate Reporting : The accounts listed are not reported in compliance with FCRA standards, leading to incorrect consumer data. 
Data Breach : I suspect a data breach or improper handling of my personal information, which may have resulted in this inaccurate reporting.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I received an email from a Chase employee stating that they needed to gather additional KYC information related to business account activity. I responded to the email to clarify on the account activity and to ask what XXXX info was required. 

The employee proceeded to call and say that they could not share any information via email and that everything needed to be communicated on the phone or in person. I stated that I would need any requests via email for documentation purposes. I also suggested using the chase secure messaging center. 

The employee continued to evade any written or email request, and then I received a notice that my accounts were all being closed ( including personal banking and credit ), with no reason given other than " concerning activity ''. 

When I called to clarify the concerning activity, I was told that they did not need to disclose any reason for account closure. 

My suspicion is that my account had deposits from XXXX, which was a flag for the Chase compliance team. It is well documented that banks de-banked crypto companies due to discrimination.

My understanding is that this account closure violates the Executive Order XXXX ( Guaranteeing Fair Banking for XXXX XXXX  ), issued on XX/XX/scrub>XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
US BANK TRUST COMPANY, NATIONAL ASSOCIATION. continuing to claim that the XXXX XXXX  owe over XXXX on a {$77000.00} mortgage. The XXXX XXXX have paid over {$200000.00} already for a home that was valued at {$77000.00}, that is well over 2 times the amount that was due to the mortgage company. US BANK TRUST COMPANY NATIONAL ASSOCIATION threatens the XXXX XXXX to foreclose on their home. We ( the XXXXXXXX XXXX ) were promised our deed in XXXX of 2023 and have not yet received IT. US. Bank Trust Company National Association is threatening to foreclose on our home claiming we ( XXXX and XXXX XXXX ) owe another {$92000.00} pressure to pay them within three days or there will be foreclosure.

Company response to consumer: Closed with explanation