vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have no association with this account, and the information shown is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint as a consumer attempting to repair and correct inaccurate and incomplete information being reported by the credit bureaus. The following sections detail the disputed information currently appearing on my credit reports. I have contacted the bureaus directly, but the issues remain unresolved. I am requesting the Consumer Financial Protection Bureaus assistance in ensuring that my credit reports are accurate and compliant with the Fair Credit Reporting Act ( FCRA ) Charged-Off Accounts XXXX XXXX, Account No. XXXXXXXX XXXX XXXX, Date Opened XX/XX/year>, Balance : {$0.00} * * This account is inaccurately reported as a charge-off. The balance is listed as XXXX, and there is no valid evidence supporting a current charged-off status. I am requesting full verification and documentation of this account or immediate deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I found incorrect details in my personal profile, including outdated or unfamiliar names, addresses, phone numbers, and employment history. Some of this information is not associated with me, and these inaccuracies could lead to misidentification or confusion with others.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my personal information. I am requesting a full investigation and prompt correction of these errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Im reaching out to file a formal complaint regarding the continued reporting of inaccurate information on my credit report. I have previously disputed this account, yet it remains unchanged and continues to report incorrect details. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i and 1681s-2 ( b ), which require all furnishers and credit bureaus to report only accurate and verifiable information and to conduct a proper investigation upon receiving a dispute.

By continuing to report information that has not been fully verified or corrected, your organization is failing to maintain the accuracy and integrity of my credit file. This ongoing inaccuracy has negatively affected my credit standing and may lead to further damages if not resolved promptly.

I am requesting that you immediately reinvestigate this matter, remove or correct the inaccurate information, and provide me with written confirmation once the update has been completed. Please ensure that all reporting going forward complies with federal law and reflects 100 % verified and accurate data.

Thank you for your prompt attention to this issue. I expect a timely response and resolution in accordance with FCRA 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 explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Im reaching out to file a formal complaint regarding the continued reporting of inaccurate information on my credit report. I have previously disputed this account, yet it remains unchanged and continues to report incorrect details. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i and 1681s-2 ( b ), which require all furnishers and credit bureaus to report only accurate and verifiable information and to conduct a proper investigation upon receiving a dispute.

By continuing to report information that has not been fully verified or corrected, your organization is failing to maintain the accuracy and integrity of my credit file. This ongoing inaccuracy has negatively affected my credit standing and may lead to further damages if not resolved promptly.

I am requesting that you immediately reinvestigate this matter, remove or correct the inaccurate information, and provide me with written confirmation once the update has been completed. Please ensure that all reporting going forward complies with federal law and reflects 100 % verified and accurate data.

Thank you for your prompt attention to this issue. I expect a timely response and resolution in accordance with FCRA 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 2025-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Larry H. Miller Group of Companies
State: IL

Complaint narrative:
UP UNTIL XX/XX/year>, I HAVE WORKED WITH SOME NICE AGENTS. 
XXXX XXXX HAS BEEN CONTACTING ME RELENTLESSLY IN REGARD TO MY VEHICLE LOAN. SHE HAS BEEN VERY RUDE AND VERY UNPROFESSIONAL AND CROSSING LINES THAT HAVE IMPACTED ME MENTALLY. I CAN NOT HANDLE THE PRESSURE SHE HAS BEEN PLACING ON MY SHOULDERS AND THE MANEURISM IN WHICH SHE ENGAGES WITH ME. SHE HAS PRESSURED ME TO SHARE A LOT OF PERSONAL INFORMATION. SHE IS REALLY OVER-PROCESSING MY PERSONAL FINANCES AND REALLY OVER STEPPING BOUNDARIES WHEN I HAVE BEEN ASKING FOR MORE HELP, DUE TO THE CURRENT CIRCUMSTANCES I AM IN. I HAVE BEEN SWINDLED BY THE WARRANTY COMPANY ; I STILL HAVE TO PAY FOR XXXX  TO AND FROM WORK, PLUS GET MY CHILDREN TO AND FROM SCHOOL. AMONGST SEVERAL OTHER THINGS HAPPENING, XXXX XXXX EVEN ASSUMED THAT MY FRIENDS HOUSE IS MY NEW ADDRESS, FROM WHEN SHE PRESSURED ME TO EMAIL HER PROOF OF MY XXXX COSTS. XXXX XXXX EVEN CONTACTED ME AFTER XXXX. I AM VERY EMBARRSED AND I FEEL THREATENED AND I HAVE NEVER EXPERIENCED THIS BEFORE. I NEVER ASKED OR TOLD XXXX OR ANY OTHER PRESTIGE EMPLOYEE TO CHANGE MY ADDRESS ON MY ACCOUNT. XXXX CONTINUED TO HARRASS ME EVEN AFTER I SPOKE WITH A GENTLEMAN ON XX/XX/year>. HE AND I AGREED THAT HE WOULD CALL ME ON TUESDAY XX/XX/year>, TO FOLLOW UP AND SEE IF THE REPAIRS ARE DONE, AND HE MADE NOTE TO MY ACCOUNT AND HE WAS SO KIND TO ME. ON XX/XX/year>, XXXX XXXX CONTACTED ME AGAIN, EVEN AFTER I SPOKE TO HER COWORKER ON THE DAY PRIOR AND WAS VERY UNPROFESSIONAL, I CAN NOT TAKE THIS ANYMORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Block, Inc.
State: SC

Complaint narrative:
Every month I borrow from Cash App. I am paid {$450.00} per month, and when I am paid, I pay my loan from cash app of {$200.00} and immediately re-borrow. Last month, I was extended an extra {$150.00}, in which I went ahead and borrowed. XX/XX/year>, My cash app balance was about {$240.00}. I paid back the loan of {$200.00}, and the interest is {$10.00} for a total of {$210.00}. I then immediately re-borrowed the money, Which gave me an instant {$200.00}, plus the {$40.00} that I had left over. I used the SAME money that I borrowed to pay the other loan of {$150.00}. The interest of that loan is {$7.00}, for a total pay back of {$150.00}. I immediately re-borrowed the {$150.00}. Total borrowed in this time should have been {$350.00}. After the transaction and re-borrowing the {$150.00}, I actually have less in my account than I started out with, which says I now have $ {$220.00}. The balance says that I owe {$360.00}. How would I owe {$360.00} if they never actually put the last {$150.00} back in my account? I called customer service. The first agent tried to figure out why this happened, and he could not. He said that he would email me a link to where I would have to speak to the loan department. I asked if he had my number if the phone hung up. He said he couldn't call back if the phone hung up. He asked that I hold. I held. His phone hung up. I checked for the email, and there was no email. He should have sent the email to XXXX. He verified this before he hung up. I called back to the phone through their system, which said they would call me back but they did not. I found a different phone number through using the chat bot in the XXXX. The woman that came on the phone says that the balance makes sense because I borrowed from the money available. It still does not add up because I paid back both loans which should have given me a total of {$350.00} when I re-borrowed the funds. I am shorted more than {$120.00}. I asked her to rescind the whole loan so that I could start over. She said that she could not do that and would have someone contact me by email. I told her that the last person said that I would have an email sent to me, but it never came. The woman said that the team that would email me has not received the message yet. So the problem has not been resolved, and I am now owing money that was never received in full. They have the debt at {$360.00} yet I never received {$360.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: SC

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was shocked to discover that my credit report has been improperly accessed without my knowledge or authorization. Applications were made in my name, and these companies pulled my credit report without my consent. I do not recognize these inquiries, nor did I apply to or authorize them in any way. This situation is deeply concerning and a violation of my rights as a consumer, leaving me in disbelief that such unauthorized activity could occur.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Im reaching out because theres a lot of old and wrong personal information showing up on my credit file that shouldnt be there anymore. Ive tried to get it fixed before, but its still not corrected. Im asking that these items be investigated and removed right away under the Fair Credit Reporting Act ( FCRA ).

My legal name is XXXX XXXX XXXX, and my current address is XXXX XXXX XXXX XXXX XXXX, OH XXXX. Thats the only name and address I use. 

XXXX what needs to be deleted because its either outdated, incorrect, or cant be verified : Outdated Addresses XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX Inaccurate Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXY Outdated Employment XXXXXXXX XXXX XXXX XXXX  Date Updated : XX/XX/XXXX XXXX XXXXXXXX XXXX  Date Updated : XX/XX/XXXX Ive attached my dispute letter for this month that includes my ID and proof of address so you can verify my correct information.

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 2025-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Jim Bottin Enterprises, Inc
State: FL

Complaint narrative:
I used to have a membership with XXXX and now XXXX XXXX is handling this matter i tried to fix this with XXXX with XXXX ( debt Collector company ) but now since is not either anyone of those, now they said I can not brake the contract just if i am dying literally, so they want me to keep paying the monthly fee eventhough I do not want it and when they sent the money owed to the debt collector agency, no one wants to take responsability and they do not care to help me, I am exhausted to try too fix this to everone and now I am just frustrared, my credit score is down and now if i do not keep paying they will send the account to collection and i am trying to buy a house, because of this simple thing can not do it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am urgently requesting the removal of several unauthorized hard inquiries on my TransUnion credit report from XXXX. These inquiries were not authorized by me, and they are negatively impacting my credit score.

I kindly urge you to prioritize this dispute and remove these inquiries as soon as possible. Your prompt action will be greatly appreciated.

Thank you for your immediate attention to this matter. 

Sincerely, 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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to dispute the following items on my credit report with Equifax. I believe these entries are inaccurate and require further investigation. The following accounts are listed as " Charged Off '' and I respectfully request verification and clarification of these accounts : Charged Off Accounts : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$19000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXXXXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$440.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} Late Payments : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX ( Date of Late Payment : Unknown ) XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX ( Date of Late Payment : Unknown )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: Block, Inc.
State: TN

Complaint narrative:
Cash App has frozen a {$310.00} transaction of mine since early XX/XX/year>, claiming it was under sanctions review. I have complied with every request for information, yet they continue to send template emails with no resolution and no explanation.

It has now been over 30 days, and Cash App has neither released the funds nor provided a lawful reason for continued withholding. Their own Terms of Service and federal regulations require either a refund or final determination in a reasonable timeframe, and they are ignoring all follow-up messages.

I am requesting that Cash App either : ( 1 ) immediately release the frozen funds back to my Cash App balance or original payment source, OR ( 2 ) provide a formal written legal basis for continued withholding, including specific OFAC case reference if applicable.

I am filing this complaint because Cash App support is not responding beyond automated replies, and my funds are being held unlawfully for over a month with no timeline for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint because Equifax is reporting an incorrect and outdated address on my credit file. My current and only address is XXXX XXXX XXXX, XXXX, CA XXXX, yet Equifax continues to show XXXX XXXX XXXX, XXXX, CA XXXX as my current address. 

This is inaccurate and misleading. I have not lived at the XXXX XXXX address for quite some time, and I have provided Equifax with valid documentation including my government-issued ID and utility statements verifying my correct residence. Despite that, this outdated address remains on my report as current, which suggests Equifax did not properly verify or update my personal information as required under the Fair Credit Reporting Act.

This kind of inaccuracy can have serious consequences. Having an incorrect current address can cause confusion during credit applications, account verifications, or background checks. It also raises security concerns because it misrepresents my true residential information and may connect me to an address with which I have no current association. I find it deeply frustrating that, even after previous correction attempts, Equifax continues to allow these errors to remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: Chime Financial Inc
State: NC

Complaint narrative:
I have a Chime Credit Builder account. On Friday XX/XX/year> the card associated with that account was stolen from my place of employment. It was used there and 2 other locations, with four purchases totaling {$240.00}. I immediately called Chime to report the card stolen, have it frozen, and a new card sent. Then I called the police and filed a report. Using the security camera footage from my place of employment - and the location where the first unauthorized charge occurred, the police were able to issue a warrant for the man clearly seen in the footage picking up my credit card and proceeding to use it at a gas pump for {$47.00}. The man then used my card at a restaurant for {$22.00}, and twice at an auto parts store for {$97.00} and {$80.00}. I disputed all of these fraudulent charges in 2 separate claims as the transactions posted on different dates, providing the police report as a supporting document on both claims. The dispute claim for the single charge ( the restaurant for {$22.00} ) was resolved in my favor, with the email from Chime stating they found a billing error had occurred. The other dispute, however, with 3 charges totaling {$220.00} keeps getting denied. I have appealed the denial twice now, each time getting the same result. After the first denial, I provided the police report as a supporting document. A few days later I received the second denial. When I spoke with Chime on the phone, they said I needed to provide more evidence to appeal the decision. I was floored. I submitted screenshots from the security camera footage, clearly showing a man picking up my credit card, another showing him using it at the pump ( both with timestamps ). I also submitted the financial receipts from the computer database of the place the card was used, showing the last 4 of the card, the amount ( {$47.00} ), the timestamp, and which fuel dispenser it was used- which coincided with the photographic evidence submitted. Yet once again, the claim was denied. In all of the emails I have received from Chime providing the reason for denial, they all simply state " no billing error has occurred. '' I have been a clear victim of financial card theft, and I am continuing to the victimized by Chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My consumer file contains multiple accounts, inquiries, and records that are inaccurate, outdated, or unverifiable in violation of FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ). These inaccuracies have caused significant harm to my creditworthiness and its really frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FinCo Services Inc DBA Current
State: CO

Complaint narrative:
I submitted a request to close my account via the web form, no response ever. Close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: GA

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company response to consumer: Closed with non-monetary relief