vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-05 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: Chime Financial Inc
State: TX

Complaint narrative:
My CHIME virtual card number was compromised and used to make 4 transactions on XX/XX/XXXX. 

I was sent a fraud alert text by Chime asking if I authorized a transaction to XXXX  for {$180.00}. I replied no immediately. Chime responded saying they blocked the transaction and it wouldnt be taken from my account. Chime did not stop the transaction and 3 more happened within minutes of each other. 

XXXX {$180.00} XXXX XXXX XXXX {$180.00} XXXX XXXX  {$170.00} XXXX XXXX XXXX {$20.00} I immediately alerted CHIME of the unauthorized transactions the day of them happening XX/XX/XXXXXXXX  and they told me I couldnt dispute them until they posted. I disputed them as soon as they posted and they refunded the {$20.00} charge. Chime will not refund my money for the other XXXX totaling {$540.00} stating they found no error with the transactions. I have filed a police report, provided proof of ordering a new drivers license because it was stolen. I sent a written statement to CHIME explaining this as well and they still will not refund my charges. 

I went to the website for the 3 online websites where the transactions were made and only 1 replied which was XXXX. The email stated I made a purchase XX/XX/XXXX to attend XXXX XXXX XX/XX/XXXXXXXX  which was impossible. I dont know who that is and can prove my whereabouts that day. I was traveling back from XXXX back to XXXX XXXX that day. I was in XXXX that weekend. The other 2 websites have not responded. I did reply to XXXX  chat saying I, nor did any relatives of mine authorize that transaction to attend that event. They havent responded. 

I have sufficient evidence to prove all these transactions were fraudulent and CHIME will not consider the evidence. I just want my money refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: Kikoff Inc.
State: GA

Complaint narrative:
This account is closed and I want it off my credit report. I never used any of the funds from this closed This letter is to inform your company that I want to dispute the following items below on my credit profile. Did you see that your company was sued by the CFPB? for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that XXXX  does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers access to credit, employment, and housing.

I also learned that your company is notorious for telling consumers that you will not investigate accounts if you have previously investigated and now we see that you all never really investigated anything for consumers. I am demanding that you reinvestigate/ investigate and the outcome be removed today!.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: IL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: WA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: CA

Complaint narrative:
I am reporting Equifax for continuing to report over 20 unauthorized hard inquiries on my credit file despite the fact that I am a documented victim of identity theft. 

I previously reported this identity theft directly to Equifax and have screenshots showing the report was submitted. I also froze all secondary reporting agencies ( XXXX, XXXX, XXXX, XXXX, etc. ), making verification of these inquiries impossible unless Equifax has direct proof of my consent which they failed to provide. 

The inquiries were made without my knowledge or authorization. I am attaching a formal list of these inquiries, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and others. 

In addition to this, Equifax has blocked me from accessing their website, which prevents me from reviewing or disputing anything. Even worse, they continue trying to charge me for access, and I receive emails from them saying Unable to charge you meaning they attempted to charge me for a service theyre actively denying me access to. 

This is not just a violation of my rights under the Fair Credit Reporting Act ( FCRA ) including Sections 604 ( no permissible purpose ) and 611 ( failure to investigate properly ) its also a pattern of deception, retaliation, and obstruction.

I am demanding the immediate removal of all unverifiable inquiries unless Equifax provides full documentation proving I authorized each one. I also request CFPB open an investigation into Equifaxs continued mishandling, financial abuse, and failure to comply with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened aXXXX XXXX XXXXXXXX on XX/XX/XXXX with a balance of {$13000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
On my credit report it states that I have used XXXX XXXX XXXX XXXX  61 times in a 2 yr period, which is impossible, I might have some but not 61 times, also they are duplicate statements for the same identical amount, Ive tried with all credit bureaus, my report says I owe {$77.00}, not true. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I am filing this complaint because PayPal has placed a limitation on my account and is holding {$760.00} of my money for 120 days, without a fair reason. 

A person accidentally sent me {$88.00}. I did the right thing and refunded the money immediately. I never requested or authorized that payment. Despite this, PayPal restricted my account and decided to hold my balance which is {$760.00} for 120 days. 

I contacted PayPal support and explained the situation, but they only gave a generic response and refused to review the case. I depend on this money for my daily needs, and I have not broken any PayPal rules. I can provide proof of the refund and all necessary documents. 

I am asking for the CFPBs help in urging PayPal to release my funds or review the case properly and give a valid explanation for the extended hold. 

Thank you. 



Summary : Amount : {$760.00} Issue : Account limited after refunding a mistaken {$88.00} payment Request : Release the funds or give a proper review

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: FL

Complaint narrative:
I am filing this complaint because TransUnion is reporting fraudulent information on my credit report, which is a direct result of identity theft stemming from the XXXX XXXX XXXX  data breaches that compromised my personal information. As a victim of identity theft, I have exercised my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ), which clearly requires consumer reporting agencies to block fraudulent information from a consumers credit file when provided with appropriate documentation. 

I have previously submitted all necessary documentation to TransUnion, including : * A copy of my government-issued identification * A copy of my Social Security Card * A recent utility bill confirming my current address * An * * FTC Identity Theft Report * * Despite providing this legally required documentation, * * TransUnion has failed to remove the fraudulent information from my credit report * *, including inaccurate accounts and addresses that I did not authorize or open. By failing to take action, TransUnion has not complied with * * 15 U.S.C. 1681c-2 ( a ) * *, thus violating my rights as a consumer. 

TransUnions negligence in addressing this matter has caused me ongoing harm, including damage to my credit profile and undue stress. Their inaction represents a clear failure to meet their obligations under federal law to protect victims of identity theft and ensure the accuracy of consumer credit reports. 

I am requesting that the CFPB intervene to ensure TransUnion complies with federal law, immediately removes all fraudulent information from my credit file, and provides confirmation of these actions. 

Thank you for your assistance in this serious 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 2025-07-05 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:
On XXXX I was notified that a hard credit inquiry was made to my credit report. I did not recognize the company, XXXX  AXXXX, as I have never applied for credit or done business with that company. I called the company and found out that a fraudulent line of credit was opened in my name without my authorization. I reported this to the fraud dept of XXXX XXXX. They opened an investigation and verified that the line of credit was fraudulently opened and that the hard credit inquiry was done without my authorization. They sent me a letter notifying me of this. I contacted Equifax to find out what I need to do to remove the hard inquiry from my credit report as it has negatively impacted my credit score. I was told to file an identity theft report with the FTC and forward that to Equifax to get the hard inquiry removed and my credit rating restored. I did as they requested. I also filed 4 disputes online with Equifax attaching a copy of the FTC report and the letter from XXXX XXXX advising that the account opened was fraudulent and the hard credit inquiry was conducted without my authorization. Equifax has denied my disputes all 4 times stating that they have determined the information on my credit report is accurate and will stay on it for 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
I am submitting this formal complaint against Credit Acceptance Corporation for gross and repeated violations of the Fair Credit Reporting Act ( FCRA ), under 15 U.S.C. 1681 et seq., specifically 1681e ( b ), 1681s-2 ( a ), and 1681i ( a ). 
This account was paid and closed as of XX/XX/year>, yet Credit Acceptance Corporation continues to report * * 180-day late payments * * for XXXX through XX/XX/year>. This is inaccurate and deliberately misleading, constituting a clear violation of 1681e ( b ), which requires furnishers and CRAs to ensure maximum possible accuracy in credit reporting. 
This account was settled in full and no longer carried an active balance during the time these delinquencies are being reported. Reporting severe delinquencies on an account that is no longer open is materially false, and can not be justified under any good faith interpretation of the FCRA. 
Furthermore, Credit Acceptance Corporation has failed to comply with 1681s-2 ( a ) ( 1 ) ( A ), which prohibits reporting information known or that should be known to be inaccurate. Given that the account was paid off in XX/XX/year> and reflects a " Paid, Closed '' status, any continued reporting of delinquency is willful, deceptive, and punitive in nature. 
I have attempted to dispute this inaccurate information under my rights guaranteed by 1681i ( a ).

The response from the credit bureaus has been unsatisfactory, and Credit Acceptance has failed to correct the erroneous reporting. This has significantly and unfairly damaged my credit standing.

I request that the CFPB launch a full investigation and compel Credit Acceptance Corporation to : 1. Remove all 180-day delinquencies dated after the account was paid and closed ; 2. Accurately update the account to reflect its true final status ; 3. Be held liable for violations of my rights under the FCRA.

These practices are not only harmful and unjust but reflect a willful disregard for federal consumer protection law. I request the maximum penalties and enforcement allowable under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I am contacting you to request an immediate block and permanent removal of inaccurate and fraudulent information appearing on my credit report in accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ). 

The account in question contains inconsistent and conflicting information across credit bureaus and may be the result of identity theft or unauthorized activity : Different closure dates and dates of last activity Payment status varies ( 120 days, 150 days, or at least 120 days ) No past due dollar amount listed despite serious delinquencies Inconsistent delinquency timelines from XX/XX/XXXX through XX/XX/XXXX Remarks missing from two bureaus while shown in XXXX  These discrepancies are causing material harm to my credit and violate the FCRAs accuracy and integrity requirements. 

I request that you : 1. Block all information related to this JPMCB Card account ( Acct # XXXX ) 2. Permanently delete it from my credit file 3. Cease all future reporting unless properly verified

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXX XXXX account number XXXX, and a collections account opened at XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: GA

Complaint narrative:
I have been a victim of identity theft and I am asking all fraudulent accounts be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I had 2 fradulent withdrawals from my Cash app account totaling {$890.00}. 

XXXX ) For {$490.00} at XXXX on XX/XX/year>. 
XXXX ) For {$400.00} at XXXX on XX/XX/year>. 

The fradulent withdrawals are through a company named ( XXXX ). I do not have an account with them. I've also contacted ( XXXX ) and nothing was resolved concerning reversing the transactions, or canceling them. I've also filed a complaint against ( XXXX ). 
This complaint however is against ( Cash app ) for neglecting to cancel these transactions immediately upon taking place and being notified by me that it was fraud. ( Cash app ) has done nothing and had the option to stop these transactions. I cancelled my ( Cash app ) card and yet the money was still stolen. I've spent numerous hours on the phone with ( Cash app ) and ( XXXX  ) over the last 16hrs and I was given the run around by both companies. 
( Cash app ) seems to keep being involved with a viscous cycle of fraudulent scams that affect a great amount of people negatively. When will something be done to reprimand ( Cash app ) for continuously allowing there customers to be open targets for scams without any protection. 
I'm attaching 3 screen shots so it can be seen that the transaction on one of the fraudulent charges shows that the attempt for {$490.00} through ( XXXX ) was declined due to the card being cancelled before that transaction could complete. But the next morning it shows it somehow still was able to be completed without an active card available to complete the transaction for the second attempt. This is very upsetting that someone's hard earned money can be stolen so easily without any protection or option to cancel, or prevent this from happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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 have been trying for years for the credit bureaus to correct the errors on my credit report but the haven't. Things such as : 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been trying for years for the credit bureaus to correct the errors on my credit report but the haven't. Things such as : 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

Company response to consumer: Closed with non-monetary relief