vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX 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 XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: IA

Complaint narrative:
Many things happened. They hid my XXXX and XXXX transactions from me ; I had a rebuttal in process which was supposed to be resolved by XXXX XXXX XXXX and now it's XX/XX/XXXX. The lady didn't give me 30 minutes to upload my proof of XXXX  so she denied my full rebuttal of $ XXXX. Once I called back and IMMEDIATELY provided my documentation they did not grant the full rebuttal. This all happened on XXXX XXXX XXXX. They told me that I had already been approved my rebuttal that was missing and I found out that was a lie. The supervisor opened all of the rebuttals but denied one maliciously. In the end after taking my medicine and hearing their illegal voices in my head a gentleman re-opened all of my rebuttals. This is after they were maliciously closed for the 2nd time in one day without clear clause even though I provided documentation that proved I was XXXX  during the times of these unauthorized transactions. I had to repeat what I had already done which was upload proof of my XXXX. There are transactions that were hidden from XXXX XXXX. As I had them revealed they exclaimed that they must escalate this to a special department to dispute. One guy on this XXXX day did not leave any notes concerning these unauthorized transactions from XXXX and XXXX. They hang the phone up in my face multiple times disrespectfully. I must get proof of my XXXX in county from XXXX XXXX. This is a bit more of a task as I was able to call the prison and immediately get proof of my prison time. I will be getting proof of my county time as soon as possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: MI

Complaint narrative:
I am filing a complaint regarding illegal credit reporting and re-aging of a debt by Jefferson Capital. 
This account was first disputed in XXXX and has been removed from my credit report multiple times over several years. Despite this, Jefferson Capital has repeatedly reinserted the account.

Jefferson Capital is currently reporting this account as opened XX/XX/XXXX, which is false and constitutes illegal re-aging under the Fair Credit Reporting Act ( FCRA ). The Date of First Delinquency occurred years earlier and can not legally be reset when a debt is sold or transferred.

Additionally, Jefferson Capital is inaccurately reporting itself as the original creditor, which is false. Jefferson Capital is a debt buyer and not the original creditor. 
I have never received a written reinsertion notice as required under FCRA 611 ( a ) ( 5 ) ( B ) despite multiple reinsertions after deletion.

I am requesting : Immediate deletion of this account from my credit report Correction of all inaccurate reporting Written confirmation of the true Date of First Delinquency This account is causing ongoing financial harm and credit damage due to repeated, unlawful reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: MD

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: CA

Complaint narrative:
XXXX  months ago I raised a transaction dispute on my discover credit card. They told me that they are going to close my account because of fraudulent transaction and promised me that they'll provide me new account. Later, they closed my account and never gave any new account to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
It is showing that I made purchase at XXXX in XXXX AR for the following : XXXX on XX/XX/XXXX XXXX and XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX As someone living in XXXX NH I could not give you a reason why I would go to a XXXX in Arkansas. 
Then on XX/XX/XXXX I got a XXXX late fee. 
I got a XXXX interest charge on XX/XX/XXXX A XXXX late fee on XX/XX/XXXX A XXXX returned check fee on XX/XX/XXXX Then finally on XX/XX/XXXX an interest charge of 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 monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
i called XXXX times bmo harris to report my stolen card and fraud transactions with a merchant but it was never reported see transactions ( all transaction made with a merchant called XXXX XXXX  XXXX ) below please reported then as fraud as i never authorized those XXXX XXXX XXXX : XXXX $ XX/XX/XXXX XXXX $ XX/XX/XXXX XXXX {$8.00} {$10.00} {$3300.00} {$1500.00} $ XX/XX/XXXX XXXX $ XX/XX/XXXX XXXX {$6.00} {$990.00} $ XX/XX/XXXX XXXX $ XX/XX/XXXX XXXX {$490.00} {$4100.00} {$3300.00} {$2600.00} $ XX/XX/XXXX XXXX $ XX/XX/XXXX XXXX $ XX/XX/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 monetary relief
Consumer complaint received 2025-12-26 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: FL

Complaint narrative:
I am submitting this second formal follow-up to demand the immediate and permanent removal of multiple inaccurate, unverifiable, and misleading items currently reported on my credit file across Experian, Equifax, and TransUnion. Despite my prior dispute, several accounts and inquiries remain on my reports, misrepresenting my credit history and causing significant harm to my creditworthiness and financial reputation. These items violate federal law and must be permanently removed. 
The account XXXX XXXX XXXX with a reported balance of {$0.00}, reported on Experian as a late-closed account, continues to be inaccurately reported in violation of FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 605B / 15 U.S.C. 1681c-2, and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ). This repeated misreporting misrepresents my credit activity and must be permanently removed. 
Additionally, the following charged-off accounts are inaccurately reported and unverifiable : XXXX XXXX XXXX with a balance of {$200.00}, reported on Experian, Equifax, and TransUnion ; XXXX XXXX XXXX with a balance of {$0.00}, reported across all three bureaus ; and XXXX XXXX XXXX with a balance of {$480.00}, reported on Experian, Equifax, and TransUnion . These accounts continue to appear without proper verification or documentation, and their continued reporting constitutes violations of FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 605B / 15 U.S.C. 1681c-2, and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ). The lack of supporting documentation renders these accounts unverifiable, and they must be immediately and permanently removed.

Furthermore, I dispute several hard inquiries that have been inaccurately reported or are otherwise unverifiable. These include XXXX XXXX XXXX XXXX XXXX on Experian, XXXX XXXX on Equifax, and multiple inquiries reported on TransUnion, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. The continued reporting of these inquiries violates FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), misrepresents my credit activity, and must be permanently removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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:
I am submitting this second formal follow-up to demand the immediate and permanent removal of multiple inaccurate, unverifiable, and misleading items currently reported on my credit file across Experian, Equifax, and TransUnion. Despite my prior dispute, several accounts and inquiries remain on my reports, misrepresenting my credit history and causing significant harm to my creditworthiness and financial reputation. These items violate federal law and must be permanently removed. 
The account XXXX XXXX XXXX with a reported balance of {$0.00}, reported on Experian as a late-closed account, continues to be inaccurately reported in violation of FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 605B / 15 U.S.C. 1681c-2, and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ). This repeated misreporting misrepresents my credit activity and must be permanently removed. 
Additionally, the following charged-off accounts are inaccurately reported and unverifiable : XXXX XXXX XXXX with a balance of {$200.00}, reported on Experian, Equifax, and TransUnion ; XXXX XXXX XXXX with a balance of {$0.00}, reported across all three bureaus ; and XXXX XXXX XXXX with a balance of {$480.00}, reported on Experian, Equifax, and TransUnion . These accounts continue to appear without proper verification or documentation, and their continued reporting constitutes violations of FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 605B / 15 U.S.C. 1681c-2, and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ). The lack of supporting documentation renders these accounts unverifiable, and they must be immediately and permanently removed.

Furthermore, I dispute several hard inquiries that have been inaccurately reported or are otherwise unverifiable. These include XXXX XXXX XXXX XXXX XXXX on Experian, XXXX XXXX on Equifax, and multiple inquiries reported on TransUnion, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. The continued reporting of these inquiries violates FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), misrepresents my credit activity, and must be permanently removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: AL

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, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: IL

Complaint narrative:
b'I am submitting to formally dispute multiple inaccuracies appearing on my TransUnion, Equifax and Experian  credit report. This dispute is\nmade pursuant to my rights under the Fair Credit Reporting Act (FCRA), including 15 U.S. Code 1666\nregarding correction of billing errors, 15 U.S. Code 1666a regarding creditor restrictions during disputes,\nFCRA 611 (15 U.S.C. 1681i) concerning the dispute of inaccurate information with credit bureaus, FCRA\n623(a)(2) regarding the duty of furnishers and credit bureaus to correct and update information, FCRA\n605(a) on obsolete information, and FCRA 609 (15 U.S.C. 1681g) ensuring my right to full disclosure.\nUpon review, I have identified multiple accounts that are inaccurately reporting addresses, charge-offs,\ncollections, and inquiries, which misrepresent my payment history, account status, and overall\ncreditworthiness.XXXX XXXX XXXXBalance Owed:$XXXX  CARD XXXXBalance Owed:$XXXX XXXXBalance Owed:$XXXX XXXX XXXXBalance Owed:$XXXX XXXXBalance Owed:$XXXX XXXX XXXXBalance Owed:$XXXX XXXXBalance Owed:$XXXX XXXX XXXXBalance Owed:$XXXX XXXXBalance Owed:$XXXX XXXXBalance Owed:$XXXX Original Creditor XXXX XXXX XXXX XXXXBalance Owed:$XXXX Original Creditor XXXX XXXX XXXX XXXXBalance Owed:$XXXX Original CreditorXXXX XXXX XXXX XXXXBalance Owed:$XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance Owed: $XXXX Original Creditor XXXX XXXX XXXX XXXX XXXXBalance Owed:$XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: IL

Complaint narrative:
b'I am submitting to formally dispute multiple inaccuracies appearing on my TransUnion, Equifax and Experian  credit report. This dispute is\nmade pursuant to my rights under the Fair Credit Reporting Act (FCRA), including 15 U.S. Code 1666\nregarding correction of billing errors, 15 U.S. Code 1666a regarding creditor restrictions during disputes,\nFCRA 611 (15 U.S.C. 1681i) concerning the dispute of inaccurate information with credit bureaus, FCRA\n623(a)(2) regarding the duty of furnishers and credit bureaus to correct and update information, FCRA\n605(a) on obsolete information, and FCRA 609 (15 U.S.C. 1681g) ensuring my right to full disclosure.\nUpon review, I have identified multiple accounts that are inaccurately reporting addresses, charge-offs,\ncollections, and inquiries, which misrepresent my payment history, account status, and overall\ncreditworthiness.XXXX XXXX XXXXBalance Owed:$XXXX  CARD XXXXBalance Owed:$XXXX XXXXBalance Owed:$XXXX XXXX XXXXBalance Owed:$XXXX XXXXBalance Owed:$XXXX XXXX XXXXBalance Owed:$XXXX XXXXBalance Owed:$XXXX XXXX XXXXBalance Owed:$XXXX XXXXBalance Owed:$XXXX XXXXBalance Owed:$XXXX Original Creditor XXXX XXXX XXXX XXXXBalance Owed:$XXXX Original Creditor XXXX XXXX XXXX XXXXBalance Owed:$XXXX Original CreditorXXXX XXXX XXXX XXXXBalance Owed:$XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance Owed: $XXXX Original Creditor XXXX XXXX XXXX XXXX XXXXBalance Owed:$XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/year> someone hacked into my cashapp and sent transactions totaling {$6500.00} to bitcoin and their account. I contacted cashapp and they did nothing about it. Someone got access to my account which was connected to my bank account and purchased and bought XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: CT

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: CA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedure to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverified information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnished of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX Bank of XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-12-26 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:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedure to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverified information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnished of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX Bank of XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief