vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion 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 : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am filing this complaint against Experian, Equifax, and TransUnion for continuing to report an XXXX XXXX account ( ending in XXXX, account number XXXX ) as a charge-off since XXXX, despite clear grounds for deletion. This reporting violates federal law and must be removed immediately. 

Experian and the other bureaus are in violation of multiple sections of the Fair Credit Reporting Act ( FCRA ). 

This account appears to have been previously disputed or deleted, yet was reinserted without providing me written notice or a furnisher certification of accuracy. That action is prohibited under FCRA 1681i ( a ) ( 5 ) ( B ). The CFPB has previously sued Experian for similar conduct involving the reinsertion of deleted or disputed accounts without proper verification. Likewise, in * XXXX v. Experian * ( XXXX XXXX XXXXXXXX ), the court held that Experian could be held liable for failing to properly reinvestigate and for reinserting inaccurate data without lawful notice. 

Experian has also failed to meet its obligations under 1681i ( a ) ( 6 ) ( B ), which requires a clear and specific method of verification. Merely stating verified with the furnisher is not legally sufficient. In * Younger v. Experian XXXX XXXX XXXX * and * XXXX XXXX Experian * ( M.D.N.C. XXXX ), courts found that Experians reinvestigation procedures were negligent and failed to meet the standards of the FCRA when consumers disputed inaccurate charge-offs.

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 2025-10-08 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: CA

Complaint narrative:
I am writing to formally dispute multiple accounts appearing on my credit report that I did not authorize, open, or manage. These accounts are not mine and their presence is inaccurate, misleading, and damaging to my financial history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding Equifax/ The Work Number and their failure to provide written confirmation of a security block and data freeze on my employment verification file, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c1. 

On XX/XX/year>, I submitted all required documentation to The Work Number via their encrypted email portal, including : A copy of my state-issued identification Proof of current address A written and signed request for both a security freeze and a block on my employment and income verification file I received confirmation through the encrypted email portal that my submission was received. I later contacted The Work Number by phone and spoke with a representative who verified that the documents were received and stated that my block and freeze would be placed by the following XXXX XXXX business day after submission. 

However, despite that assurance, I have not received any written confirmation by mail, nor have I received a reply to my encrypted follow-up email requesting status verification. As of today, it has been more than the reasonable timeframe allowed under federal law. 

Under FCRA 605C ( 15 U.S.C. 1681c1 ), a consumer reporting agency is required to : Place a security freeze and/or block upon receipt of a valid request and verification documents, and Provide written confirmation of the action within XXXX business days of placing the freeze or block. 

Equifax/ The Work Number has not fulfilled these obligations, leaving me uncertain as to whether my employment data is currently protected from unauthorized access. This constitutes non-compliance with federal law governing consumer rights and the handling of sensitive employment verification data. 

I respectfully request that the Consumer Financial Protection Bureau investigate Equifax/ The Work Numbers failure to comply with these FCRA requirements and ensure that they immediately provide the written confirmation I am lawfully entitled to. 

Please confirm receipt of this complaint and provide a reference number for tracking. I am also filing a related complaint with the XXXX Attorney Generals Office for documentation and oversight purposes.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: Chime Financial Inc
State: TX

Complaint narrative:
I opened a checking account with Chime bank under their promotion advertisement. Part of the promotion is that the customer may get 10 % cashback during the promotion period, which is 30 days from the account opening. 

After the account was opened, I was provided a virtual debit card instantly, with card number, expiration date and CVV code. I can use this virtual debit card for online shopping. I was told the physical card would arrive in 2 weeks. 

I called Chime customer service ( XXXX ) XXXX to clarify if the virtual debit card is qualified for the 10 % cashback bonus. They said no. Only the physical card is qualified. 

My complaints are : 1 ) Their terms and conditions on XXXX XXXX XXXX.chime.XXXX didn't specify if the physical or virtual card qualifies the promotion. i.e. their disclosure is not detailed enough for the customer to make an informed decision. 
2 ) They advertise the promotion period as 30 days from account opening. But they restrict the promotion to physical card, which will not arrive in 2 weeks. This is false advertisement. 
3 ) When I asked customer to create a complaint for me, they said they could create a ticket. But there is no way for the customer to check the ticket status and there is no time frame can be provided. Ticket # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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:
PLEASE BLOCK AND REMOVE. 
This account has been reported inaccurately and should be deleted immediately. I never consented to it. Supporting documents are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: MS

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX, XXXX unauthorized and fraudulent wire transfer of {$480000.00} and {$490000.00} were made from my business account with 53rd Bank. The funds were transferred to XXXX XXXX in XXXX XXXX and XXXX XXXX  in XXXX XXXX, XXXX  respectively. The receiving banks confirmed securing the funds and did not allow any withdrawal at their end. XXXX XXXX  returned the {$480000.00} in their possession on XX/XX/XXXX but all efforts to recover the outstanding {$490000.00} from XXXX XXXX  has been fruitless. 
53rd bank could not explain and would not tell me how those funds could have been transferred without any or proper authentication from the owner of the account. 
I literarily have been contacting 53rd Bank on the status of the recovery of my funds every other day for over 2 months but have not gotten any status update till date. They have not been helpful or sympathetic of the hardship and inconvenience my business have been experiencing since this ordeal started. 
The public definitely need to know that their funds with 53rd Bank is not safe and vulnerable to fraud as they do not have multi layered authentication process like most other banks before allowing funds to be transferred. 
I also wonder why it is taking XXXX XXXX  this long to return the funds they confirmed is in their possession over 2 months ago while it took XXXX XXXX, a smaller bank, less than XXXX weeks to return my money. 
Attached are Police report, letter from the FBI and 53rd Bank representative confirming funds were secured with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: NV

Complaint narrative:
I am submitting this complaint because the company Kikoff I worked with in the past is reporting XXXX late payments on my credit report that is wrong and should be corrected immediately. 
There is a XXXX  day late payment being reported on my credit report for the month of XXXX and a XXXX  day late payment being reported for the month of XXXX which both occurred this year in XXXX. 
This reporting is incorrect because my account should have closed on XX/XX/year>. I never agreed to extend or re-new my account with Kikoff. A representative at this company told me that there was an email that was sent to me on XX/XX/year> advising that my account would re-new automatically, but I never received that email. 
I also remember calling this company advising that I don't want to re-new my membership and I want to cancel or pause my payments, but Kikoff doesn't store information or communication properly. Because I was told that my phone call on XX/XX/year> is the only phone call they have from me on my account, even though I've had an account with them for XXXX years. It's obvious I've made more than XXXX phone call within that XXXX year period. 
Kikoff attempted to secretly re-new my account without my knowledge so I could continue to make my regular payments, what they did was deceitful and cunning.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I C SYSTEM-is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM- is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-10-08 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: TX

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I opened a XXXX  account on XX/XX/year> and a friend sent me {$100.00} the same day. I tried to transfer the money to my checking account, but I got an error message. I contacted XXXX  XXXX and they said they fixed it, but it still didn't work. I have called more than XXXX times since and they say the same thing. I verified my identity with them. Each time I call they say the problem is on there end, but I still can't get my money. I requested to close my account and mail me a check. They didn't.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
Deceptive business practice they changed the welcome bonus offer after I applied for the card and could not provide a clear explanation why.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: AZ

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/year> my account was closed. I called and asked for an explanation, I was told it was due to an investigation. So my account was closed and I was given instruction on how to withdraw my money but it did not work. I have repeatedly call and chat with cash app XXXX for means to remove my money. I have tried to withdraw. It has been over XXXX months. I did not receive a letter of this fraudulent investigation. I have XXXX left in my account. 
I would like my money sent to me in the form of a check. My cash link name is XXXX XXXXXXXX. I would like to have this issue resolved as soon as possible. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-10-08 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: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-10-08 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: OH

Complaint narrative:
This is my third request to dispute unauthorized hard inquiries that are still being reported on my credit file. I have already disputed these items, but they continue to show as verified even though I have not received any proof or documentation that I authorized them. This fails to meet the accuracy and verification standards required under the Fair Credit Reporting Act ( FCRA ). 
The inquiries I am disputing are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I confirm that I did not authorize these companies to access my credit report, nor did I apply for credit with them on those dates.

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