vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: OR

Complaint narrative:
I found charges i didn't recognize and disputed them they than gave me some credit in the amount of the disputed charges which I never asked for than said my dispute was denied even though one company that had 5 charges refunded them the money I feel I'm still being charged no credit for that amount and now my account is negative and that would not happen if they wouldn't give out credit you never ask for than deny the claim than an employee told me my glasses must not be working how rude if I ever spoke to a customer that way

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: NJ

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data.

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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 am writing to dispute an account on my credit report that I did not authorize or open. I have never applied for or consented to this account, and I believe it may have been opened fraudulently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-07-19 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: MD

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: LA

Complaint narrative:
In reviewing my credit reports between XXXX and XX/XX/XXXX, I discovered multiple unauthorized hard and soft inquiries listed across Equifax, Experian, and TransUnion. Many of these inquiries were made by companies I have never applied for credit with. There are several rental screening agencies as well. These inquiries are not connected to any active or opened credit accounts, and I never gave authorization for these entities to access my credit file. 

In accordance with the Fair Credit Reporting Act ( FCRA ), only inquiries associated with a credit transaction that I initiated and that resulted in an approved account should remain on my credit report. I submitted disputes to the credit bureaus and contacted several of the companies between XX/XX/XXXX and XX/XX/XXXX, requesting removal of the inquiries. However, despite these efforts, the inquiries continue to appear and are negatively impacting my credit profile and 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 2025-07-19 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: PA

Complaint narrative:
I am requesting the permanent deletion of the late payment entry reported by XXXX XXXX XXXX ( Account # : XXXX ) from my credit report. 

This request is based on the creditors failure to provide proper notice of the upcoming payment due date or any delinquency prior to reporting the late payment. Because the creditor did not notify me, I was denied the opportunity to resolve the issue making the reporting incomplete and legally inaccurate under the Fair Credit Reporting Act ( FCRA ), specifically sections 1681e ( b ), 1681s-2 ( a ) ( 1 ) ( A ), and 1681i ( a ).

I am requesting the following actions be taken as part of a fair resolution : Immediate reinvestigation of the disputed late payment.

Full deletion of the late payment entry if the creditor can not provide documented proof of proper notice ( e.g., billing statements, mailed notices, or electronic alerts ).

A corrected credit report showing the removal of the late mark sent to me.

Written confirmation of the result of this reinvestigation.

I also request that the corrected credit report be provided at no charge and that any third parties who accessed my report while the inaccurate information was present be notified of the update, in accordance with my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: CA

Complaint narrative:
I am submitting this letter to formally dispute an account listed on my credit report that is fraudulent. I did not initiate or consent to any application or use of this account.

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 2025-07-19 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-07-19 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: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I paid my balance on my card off in the middle of XXXX. My account is set up for mailed communications with the issuing company. The company sent me an email a few days after I paid off my account. The email informed me that my credit allowance will drop from {$890.00} to {$100.00} due to credit score. During this time I was considering home buying or renting another property ( moving from my current address of XXXX years ). I did not know of this change as it affected by credit score. I had got denied on rental applications because of my score. I just found out they had did this on yesterday when I signed onto my online account to pay my bill. The bill is interest charges. However my account has been open since XXXX and Ive never received an email from this company. Ive always received communications via regular mail. Now Im currently homeless because I didnt renew my lease knowing I could find another place to stay. However I didnt know they had did this to my credit which has caused many applications to be denied because of the drop on my score. I have documentation from my account settings to show Im not a part of paperless billing. I never authorized this company to send me emailed correspondence. If I had known about this I couldve made a better informed decision about renewing my lease. As to which I wouldve known that this action would do this to my credit. I mightve decided to stay in my home until this wasnt an issue affecting my credit any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX, XXXX XXXX is using illegal wire. Transfers to intimidate and take money from me. XXXX example is a company out of XXXX. Called XXXX XXXX XXXX, XXXX XXXX is using this company to. Steal money from me. This company is illegally operating in the United States and in California. I informed capital one of this, and they did not care and I also informed capital one that they have been the one facilitating the illegal wire transfers to these companies inside and outside of the united states. i informed them of all the information and the laws that they should have followed and yet they refused. i called them today and asked them to stop doing such things. Today is the XXXX, XXXX XXXX XXXX XXXX. the response I received are from the representatives. I spoke to today, said that they would forward my statement to the proper section. i know that that's more unlikely. Then it should be I do not expect to receive any response from my inquiries and my information that I gave to them so i'm moving forward, quit contacting you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: NJ

Complaint narrative:
I got an inquiry alert in my email and then when I went to to look at the alert there is a hard inquiry from XXXX XXXX I received on XX/XX/year>2025 that I did not do

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I got an inquiry alert in my email and then when I went to to look at the alert there is a hard inquiry from XXXX XXXX I received on XX/XX/year>2025 that I did not do

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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Company Name : XXXX XXXX XXXX Address : XXXX XXXX XXXXXXXX, XXXX, GA XXXX Dispute Date ( Certified Letter Sent ) : XX/XX/year> Response Received : NONE as of XX/XX/year> Consumer Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, GA XXXX Email : XXXX Phone : XXXX Account : XXXX XXXX XXXX ( last XXXX of account unknown, still reporting on TransUnion ) Complaint Summary : I am filing this complaint against XXXX XXXX XXXX for multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) regarding a disputed auto loan account. 



Key Violations : Failure to Respond to Certified Dispute : I mailed a certified dispute letter on XX/XX/year> to XXXX XXXX XXXX, which included a full dispute of the debt, a request for validation, and supporting identity documents. As of XX/XX/year>, no written response has been received. 

No Validation Provided : Under 15 U.S. Code 1692g ( FDCPA ) and FCRA Section 611, furnishers must validate disputed debts when requested. XXXX failed to provide any documentation validating the accuracy of the debt, terms, balance, or ownership. 

Retroactive Re-Aging of Payment History : After receiving my dispute, XXXX updated my credit report to reflect a new, more recent delinquency, which worsened my credit standing. This re-aging of delinquency appears to be punitive and without proper basis, which is a direct violation of FCRA 623 ( a ) ( 2 ) and Metro 2 guidelines.

Failure to Mark Account as Disputed : In addition to failing to validate the debt, XXXX continued to report the account as accurate without marking it as disputed by consumer on TransUnion, which is required under FCRA 623 ( a ) ( 3 ). 

Ongoing Damage to My Credit Profile : The continued reporting of this unvalidated and re-aged account is causing serious and ongoing harm to my credit score and financial opportunities, including credit denials and higher interest rates. Transunion validated my identity with a name that doesn't belong to me or on my id or social security card. I believe this mistaken identity

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 2025-07-19 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: GA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. ''

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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXXXXXX acct # XXXX, XXXX XXXX XXXX acct XXXX XXXX, XXXX acct # XXXX, XXXX  XXXX acct # XXXX, XXXX acct # XXXX, XXXX  acct # XXXX, XXXX  acct # XXXX, XXXX  acct # XXXX, XXXX  acct # XXXX, XXXX XXXX XXXX  acct # XXXX XXXX XXXX acct # XXXX, XXXX  XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX  XXXX acct # XXXX, XXXX/XXXX  XXXX acct XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX  XXXX XXXXDISCHARGED ref # XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: OH

Complaint narrative:
I requested experian to investigate accounts on my credit report They failed to do so on several accounts but told me they did. They also failed to provide me with clear detailed explanation as to why the results were what they were.

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 2025-07-19 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: VA

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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