vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: FL

Complaint narrative:
XXXX XXXX CASH APP Payer XXXX XXXX XXXXXXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX OR XXXX, United States XXXX : XXXX The company is using a federally filed trademarked name, XXXX XXXX XXXX XXXX in connection with financial reporting and/or tax information returns without authorization. I have reason to believe the company may have filed, or caused to be filed, an IRS Form 1099A, 1099C, 1099K, or other information return using this protected trademark name. 
Despite request, the company has failed to provide a copy of any such filing or certify that no filing occurred. Under federal law, filers are required to furnish accurate payee statements and correct any erroneous information returns. This conduct constitutes inaccurate reporting, lack of permissible purpose, and unauthorized commercial use of a protected trademark. I am requesting immediate disclosure of all tax filings using my trademarked name, or written certification that no such filings exist, along with correction of any inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX  has sold my debt to a company called XXXX XXXX XXXX XXXX and they have been calling me nonstop trying to collect the debt.? However XXXX XXXX XXXX XXXX  has also been trying to call me to collect the debt. To my knowledge once you have sold the debt to a third-party company you can no longer collect the debt from a consumer. They are trying to be paid twice off of a debt XXXX company told me that they now owned the debt and was trying to collect a lower amount from me however, XXXX XXXX  is trying to collect the higher amount of the debt from me.

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 2025-12-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: MD

Complaint narrative:
I am filing a complaint regarding the denial of an Involuntary Unemployment Certificate of Insurance that was sold in connection with my loan. 
This product was sold to me as coverage that applies if you lose your job. I later went into the branch to sign the loan and was asked to provide income documentation, which I did. My XXXX status was fully disclosed and documented at that time. 
At no pointduring the in-branch signingwas I informed that eligibility depended on qualification for state unemployment benefits or that XXXX XXXX  were excluded from coverage. Premiums were accepted, and the coverage was finalized after my documentation was reviewed. 
After I lost my income and submitted a claim, the benefit was denied based on eligibility requirements that were never disclosed or explained at the time of sale. My dispute is not about access to the policy language, but about how this product was sold and approved given my disclosed employment status. 
I relied on the representations made during the sales process when I agreed to purchase this insurance. Denying the benefit only after a loss occurred constitutes misrepresentation and improper enrollment in an insurance product that should not have been sold or approved under these circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am receiving many letters from lawyers saying I am being sued by Midland credit management. I have never been served.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 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:
Please see supporting documentation pertaining too XXXX and transunion data breach.

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 2025-12-21 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: CT

Complaint narrative:
I am a Chime checking account holder.

I reported a {$500.00} Chime debit-card charge within 24 hours of the transaction.

The payment was induced by a government-impersonation scam involving threats and misrepresentation.

Chime denied my dispute by labeling the transaction authorized without addressing the fraud.

I have filed a Federal Trade Commission fraud report and am requesting supervisory reconsideration, proper fraud classification, and provisional credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Saturn Systems, Inc
State: CO

Complaint narrative:
I am filing a complaint regarding XXXX handling of a disputed debt collection account reported by * Saturn Systems Inc. on my XXXX  credit report. 

I first noticed this account on my XXXX  credit report in XXXX, listed with a balance of {$140.00}. The account reflects a date assigned of XX/XX/XXXX, and a date reported of XX/XX/XXXX. No work or services were performed by this company ; however, the account has been reported as nonpayment on my XXXX  credit file. 

I previously submitted a written dispute to XXXX  challenging the accuracy, validity, and verifiability of this account. XXXX  responded that the account was verified, yet failed to provide any explanation of the method of verification used, the specific information reviewed, or how the information was determined to be accurate. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), XXXX  is required to conduct a reasonable reinvestigation and ensure that information being reported is complete and accurate. A generic statement that an account was verified, without disclosure of the verification process or supporting documentation, does not satisfy this requirement. 

Additionally, I have not been provided with any documentation demonstrating that the debt collector has a permissible purpose, legal standing, or competent evidence to support the reporting of this account. 

I am requesting that XXXX  : Provide a detailed description of the method of verification used Identify the party that verified the information Provide documentation supporting the accuracy and validity of the account Or delete the account if such documentation can not be produced Attached are copies of my original dispute and XXXX response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: LA

Complaint narrative:
this account ( XXXXXXXX XXXX XXXX XXXX XXXX  ) have multiple wrong information reporting to my credit report, I have ask the credit bureau to fix the problem or delete it which they haven't, the open dates is incorrect, the payment history is incorrect, the high credit is different, this account is hurting my credit and i will like it to be removed or update to no late payments and no charge off

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 2025-12-21 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: LA

Complaint narrative:
this account ( XXXXXXXX XXXX XXXX XXXX XXXX ) have multiple wrong information reporting to my credit report, I have ask the credit bureau to fix the problem or delete it which they haven't, the open dates is incorrect, the payment history is incorrect, the high credit is different, this account is hurting my credit and i will like it to be removed or update to no late payments and no charge off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
this account ( XXXXXXXX XXXX XXXX XXXX XXXX  ) have multiple wrong information reporting to my credit report, I have ask the credit bureau to fix the problem or delete it which they haven't, the open dates is incorrect, the payment history is incorrect, the high credit is different, this account is hurting my credit and i will like it to be removed or update to no late payments and no charge off

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 2025-12-21 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
The first time I called was XX/XX/year>, when the application was first filed. I asked for the information that was applied on the application and he gave them authorization to run my credit. They said theyI asked for the information that was applied on the application and he gave them authorization to run my credit. They said they would take it off my credit and it hasnt been. I have called them about 5 times and they still have not provided me with the information or removed it from my 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 non-monetary relief
Consumer complaint received 2025-12-21 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: FL

Complaint narrative:
I am disputing inaccurate and inconsistent information reported by Experian regarding a XXXX XXXX XXXX account furnished by XXXX XXXX XXXX XXXX 

Experian is reporting information for this account that is facially inaccurate and internally inconsistent. Specifically, Experian reports a high balance of {$0.00} while simultaneously reporting a charged-off balance of approximately {$4600.00} and a credit limit of {$4000.00}. A revolving credit card account can not have a {$0.00} high balance if a balance was charged off, making this reporting inaccurate. 

In addition, Experian reports a date of last activity in XXXX that does not correspond to any consumer-initiated payment or transaction. This creates re-aging concerns and misrepresents the accounts actual activity history. 

Experians reporting of this account is materially inaccurate and misleading and does not reflect maximum possible accuracy as required by the Fair Credit Reporting Act. I am requesting that Experian conduct a reinvestigation pursuant to 15 U.S.C. 1681 and either correct these inaccuracies or delete the tradeline if the information can not be verified with competent evidence. 

I have attached documentation supporting these inaccuracies.

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 2025-12-21 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Product/Service Issue : Merchandise Not Received I am submitting this report to document a consumer transaction in which merchandise was paid for but never delivered, despite repeated attempts to resolve the matter directly with the merchant and through my financial institution. 

On XX/XX/2025, I made a purchase from XXXX XXXX  using my Navy Federal Credit Union debit/credit card in the amount of over XXXX dollars As of today, I have not received the merchandise, and the merchant has failed to provide verifiable proof of delivery. 

Timeline of Events : The merchant initially failed to ship the item within a reasonable timeframe. 

I contacted the merchant multiple times requesting the status of my order and delivery confirmation. 

No valid proof of shipment or delivery was provided. 

I filed a dispute with Navy Federal Credit Union under XXXX  Reason Code 13.1 Merchandise Not Received. 

During the dispute process, I was informed that an itemized receipt was requested ; however, I was not previously notified of this requirement. 

I later located the itemized receipt along with order confirmation, communication records, and tracking information which was located today and will be submitted to navy federal After the dispute was filed, the merchant generated a shipping label ; however, tracking still shows no shipment movement or delivery, and the merchant has since become unresponsive. 

Key Facts : The merchandise has never been delivered There is no confirmed shipment or delivery scan The merchant has not complied with requests from either me or the bank to provide proof of delivery The transaction dispute is not based on fraud or identity theft, but solely on non-delivery of goods Under the Fair Credit Billing Act ( XXXX ) and XXXX  Chargeback Rules, consumers are entitled to dispute charges when goods are not received, and merchants are responsible for providing proof of delivery when such disputes arise. 

Purpose of This Report : I am submitting this report to : Document merchant non-delivery Request consumer oversight of the merchants failure to fulfill the transaction Ensure accurate consumer reporting and protection Support a fair resolution without damage to my banking relationship or credit history I am seeking a lawful resolution based on documentation and consumer protection standards. 

Thank you for your review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-21 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 contacting you to dispute a credit report entry that I believe is the result of unauthorized activity. I did not consent to any such account, and its presence on my report is both inaccurate and concerning. I request a comprehensive investigation into this matter and the immediate removal of this fraudulent information from my credit file.

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 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Chase Bank has sold my debt to a company called XXXX XXXX XXXX XXXX and they have been calling me nonstop trying to collect the debt.? However JP Morgan Chase Bank has also been trying to call me to collect the debt. To my knowledge once you have sold the debt to a third-party company you can no longer collect the debt from a consumer. They are trying to be paid twice off of a debt XXXX company told me that they now owned the debt and was trying to collect a lower amount from me however, Chase Bank is trying to collect the higher amount of the debt from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: LAKE MICHIGAN CREDIT UNION
State: MI

Complaint narrative:
On XX/XX/year> I attempted to make a purchase with my debit card and found that it was declined. I then went into my account and attempted to pay my credit card bill with the same company and found that I could not complete transfers or access my funds at all. I immediately called the company and was put on hold for over two hours with the promise of speaking with a supervisor. It turns out that there never was a supervisor available and I was put on hold for no reason. It appears that they have frozen my account with no notifications or reasonings why. This leaves me an emergency situation as I now have no access to food or transportation.

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 2025-12-21 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: NJ

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2025-12-21 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:
On XX/XX/year> my phone was stolen by an unknown individual. I was alerted that my bank account was accessed by an unknown party and {$1000.00} was withdrawn I contacted authorities and was able to open a case for it, which is still in process. After contacting police and my bank about the matter. i contacted cashapp support and was advised that there is nothing they can do on their end as the money was already transferred and the only way to get it back is to request a refund from the person. I am unable to do this as my phone was stolen and i have no way to log into cashapp without phone verification. The cashapp support stated that they would open a case against the other party and have a specialist on the matter. I repeatedly told him that this was fraud and the money should have been given back as it was unauthorized. They said it was out of their control and best they could do is report and make a case. My bank is on the matter but the return of the {$1000.00} is uncertain.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: NY

Complaint narrative:
I noticed that there was a fraudulent transaction on my account for {$370.00}, and I immediately XXXX  the company that withdrew the money. They have acknowledged that they do not have an order in my name, and suggested that it be investigated and that a dispute be filed with my bank. I did just that and the bank rejected my dispute within XXXX days claiming that they investigated it. If they did, they would have known that there was no order in my name, and that I have never given anyone permission to use my card. As well, this was an online transaction, not a physical transaction. My card was clearly compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: TX

Complaint narrative:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

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 2025-12-21 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:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

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 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation