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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: WA

Complaint narrative:
On XX/XX/year>XXXX  my vehicle was broken into and my backpack and my phone was stolen. I looked at my Cash app and I didnt notice three transactions that I did not authorize two of the transactions were from a gas station and one was from a XXXXXXXX XXXX  wrecking or towing or something like that and it was for the amount of {$670.00} and some odd cents. I reached out to Cash app canceled my card and I immediately disputed a claim and my claim was denied and my card was taken. Ive reached out numerous times to Cash App about this and they are telling me their process is 45 days which I understand, but Id like to expedite it and nobodys giving me their information at one point they did ask for verification of my identity. I sent that in and I asked for verification that they received it and I have not gotten that. In the meantime I have children and I am still trying to get my money and my card privileges. My card privileges were taken because they said that I abused the dispute process when I didnt. I just didnt know how to navigate it so the first dispute that I put in they were asking for my identity, but the notification was an app notification, which I didnt even discovered till after the fact, so then I put the dispute in again and then they took my privileges for my card because they said I abuse my dispute privileges, but Ive disputed the same thing twice since then Ive been hung up on. I havent been given to run around. Ive been cussed out and all I want is for my money to be placed back in my account because I did not authorize a transaction after further investigation. I found out that transaction was in XXXX Washington at XXXX XXXX XXXX XXXX XXXX  and the person used tap and pay meaning that that person did not need a pin number to make that transaction and that is a substantial transaction transaction to be made at that time of the day and no pin number required. Nothing like that. I feel this is unfair and unjust. Their process is so unfair and I just want my money back.

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: DE

Complaint narrative:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, XXXX, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA. 

Fraudulent Accounts and Inquiries ( Previously Disputed ) : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/scrub>XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : 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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Please rectify the overdue payment indicated on my account, as I have always made timely payments and have diligently maintained this record. Enclosed are the relevant documents for your review.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted formal disputes to TransUnion in XXXX regarding multiple inaccurate accounts resulting from identity theft. I included my Identity Theft Report and all required identification documents. However, TransUnion has failed to remove these fraudulent accounts from my credit file. It has been more than 30 days since my dispute, and no resolution or deletion has occurred, which violates FCRA investigation requirements.

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: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: MARINER FINANCE, LLC
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding MARINER FINANCEs  failure to properly verify and correct inaccurate information reported on my credit file. 
Despite my dispute, the creditor allegedly verified the account as accurate with XXXX  and XXXX  yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. MARINER FINANCE has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. 

MARINER FINANCE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am disputing an inaccurate collection account being reported by National Credit Systems for {$6700.00} on my XXXX  credit report. This debt is related to a prior rental property under XXXX XXXX XXXX, XXXX, which was settled through a XXXX XXXX XXXX case ( Case No. XXXX ). 

According to the courts Order of Resolution dated XX/XX/XXXX, the defendants ( including myself ) were required to vacate the property by XX/XX/XXXX. The order specifically states that if we vacated by that date, the plaintiff was to file a dismissal. We fully complied and vacated the property on time. There was no final judgment, no eviction, and no order requiring payment of a balance. 

Despite this, National Credit Systems began reporting a {$6700.00} collection account in XX/XX/XXXX, which is inaccurate and damaging to my credit. I have already disputed this with XXXX  and with National Credit Systems directly, providing a copy of the court order as proof, but the account remains on my report. 

I am requesting that the CFPB investigate this matter and require National Credit Systems to remove the inaccurate collection from my credit report, as it violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I assert that the incorrect late payment remarks on my accounts are in violation of 15 USC 1666. I have consistently made payments on time, and any errors in reporting these as late are both inaccurate and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX  balance {$6900.00} account closed XX/XX/XXXXXXXX XXXX XXXX XXXX balance {$870.00} account closed XX/XX/XXXXXXXX XXXX XXXX XXXX balance {$500.00} account closed XX/XX/XXXXXXXX XXXX XXXX balance {$1100.00} account closed XX/XX/XXXXXXXX XXXX XXXX XXXX balance {$470.00} account closed XX/XX/XXXXXXXX XXXX XXXX balance {$810.00} account closed XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX balance {$5400.00} account closed XX/XX/XXXXXXXX XXXX XXXX XXXX balance {$570.00} account closed XX/XX/XXXX Inaccurate reporting in accordance with 15 USC 1681 S2

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 card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Product : Credit card or prepaid card Issue : Dispute a charge / Problem with a purchase shown on my statement Company : Bank of America. 


I filed a billing dispute with Bank of America for XXXX XXXX purchase ( {$25.00}, Claim # XXXX ) after finding a dead fly in my food. 

I submitted the claim on XX/XX/XXXX and provided photo and email evidence on XX/XX/XXXX. On XX/XX/XXXX, the bank requested a receipt, and I uploaded my payment record that same day. Just a few hours later, the claim status was changed to Completed, followed by a denial letter stating, the merchant may charge for services received. 

The timing makes it implausible that any merchant communication or meaningful document review occurred. The denial letter is a generic template and does not address any of the evidence I submitted ( photos, email correspondence, or the local health department acknowledgment ). 

I believe Bank of America did not conduct a reasonable investigation as required under Regulation Z and closed the claim without reviewing the evidence or contacting the merchant.

I request that CFPB require Bank of America to : 1. Reopen and reinvestigate the dispute properly ; 2. Provide copies of any merchant documentation or internal notes used in their decision ; 3. Ensure compliance with Regulation Z dispute-handling procedures. 

Thanks!

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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to formally dispute the accuracy and completeness of the above-referenced account appearing on my TransUnion credit file. This dispute is being filed pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

According to my TransUnion report, this account is listed as an Open Account with an Account Type : Child Support, showing a Derogatory Status, Collection/Charge-Off, and a past-due amount of {$18000.00}. Upon review, there are multiple discrepancies that call into question the accuracy and legal compliance of this reporting : 1. 2. 3. 4. Inconsistent Account Classification : The account is reported as both Open and Placed for Collection/Charge-Off. These are contradictory statuses. An account can not simultaneously remain open while also being charged off and placed for collection. This inconsistency violates 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. 
Incorrect Payment and Credit Terms : The report lists a Monthly Payment of {$0.00}, High Credit {$0.00}, and Credit Limit {$0.00}. This suggests it is not a traditional credit account and may be improperly reported in a way that misrepresents my creditworthiness, in violation of 15 U.S.C. 1681i ( a ), which requires proper reinvestigation of disputed data.

Unclear Furnisher Status and Validation : There is no identification of a verified creditor, agency, or validation of debt amount provided under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and 15 U.S.C. 1681s-2 ( b ), which outline the responsibilities of furnishers to provide accurate information and to correct or delete unverifiable data after notice of dispute.

Reporting of a Collection Without Verification : If this account is being reported as a collection or charge-off, the data furnisher is required to provide verified documentation that establishes liability, payment history, and proper transfer of collection rights. Failure to provide such evidence constitutes noncompliance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Given these inaccuracies and the

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: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: GA

Complaint narrative:
XX/XX/year> Somebody is using my inactivated checking card that I reported not that it was not mailed or sent to the wrong place, It was never delivered to me. 
The only reason why I know is because I was sent alerts showing and saying that I made five different transactions from some different companies.

This happened sometime in XXXX when I called and I called them I told them everything that was going on that I never was mailed the card but somebody some kind of way got the card and they're charging items on and card that's not activated a card that's unactivated This company can't do anything about it for some reason because it's not an active card they can only see the charges and they can't do anything about it This is exactly what they told me there's nothing that they can do there's no documentation that they can provide me or anything. 
This person that's doing this now knows and has information financial information about me and my account so they could very easily create an identity and if they are professional hackers and professional identity thieves they can create and steal my identity. 
This company can't do anything about this I've had my identity stolen years ago.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello, my name is XXXX XXXX XXXX XXXX and Im calling regarding my consumer file. 

I have reason to believe that my personal information was compromised due to the recent TransUnion data breach. This raises serious concerns under the Fair Credit Reporting Act ( FCRA ), as it indicates a failure to maintain reasonable procedures to ensure the maximum possible accuracy and confidentiality of consumer data. 

Pursuant to my rights under FCRA 602, 607, 611, and the Gramm-Leach-Bliley Act, I am formally requesting the immediate deletion of any accounts, inquiries, or records that can not be fully and independently verified at the furnisher level. 

Please be advised that failure to comply with this request will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General. 

Can you confirm that you will initiate an investigation and promptly remove all unverifiable items from my 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 non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. This is a formal complaint against CITI a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 
CITI XXXXXXXX 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 2025-10-08 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: CA

Complaint narrative:
PLEASE THESE ACCOUNT HAS INACCURATE DETAILS, INFORMATION REPORTING IN MY REPORT, IMMEDIATE ACTION NEEDED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Hello, I recently applied for a Chase XXXX XXXX XXXX credit card and was denied on XX/XX/. I received a letter explaining that my credit score was used in the decision. My current credit score is XXXX from XXXX. 

I have never missed any payments, I have two credit cards in good standing, and I currently owe less than {$400.00}. I am a XXXXXXXX XXXX XXXX  who is trying to build credit responsibly and start my financial life in the United States. 

I believe my application may have been unfairly denied due to my age. I meet the legal age requirement and have demonstrated responsible credit behavior. I would like the CFPB to review this situation to make sure I was not discriminated against under the Equal Credit Opportunity Act ( ECOA ).

Thank you for your help and for protecting young consumers like me who are trying to build a future in this country. 

Name : XXXX XXXX XXXX. 
Date of denial : XX/XX/ Credit bureau used : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: United PanAm Financial Corp.
State: NJ

Complaint narrative:
Hello my name is XXXX XXXX Im in a total loss situation but due prior to the total loss they would use predatory tactics for billing and paying they also didnt report my payments through all credit bureaus and now that I am at a total loss not to mention they was charging me XXXX dollar a month for interest they telling me I could not retain a car after they kept a lot of money in interest I have gap insurance and they receiving a settlement to wich the at fault insurance is paying the salvage price I have been having a problem with this company since I got this loan Ive never been late on my payment they would use predatory tactics by making it lat on the day of because its a weekend if someone can please give me a email back or a call at XXXX please this has got to stop its being done to a lot of us and me in particular pay my insurance and car note on time

Company response to consumer: Closed with explanation