vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-27 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: MS

Complaint narrative:
Complainant : XXXX XXXX : XXXX XXXX XXXX : XX/XX/year> To : Consumer Financial Protection Bureau XXXX : Complaint Against XXXX  Improper Reinsertion of Deleted Account I am filing this complaint against XXXX  Information Services LLC for violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, by re-reporting a deleted account and failing to properly maintain accurate records. 
Background * On XX/XX/year>, XXXX  issued a letter to me confirming that the XXXX XXXX XXXX was deleted from my credit file. 
* Confirmation # : XXXX * XXXX  explicitly stated : The disputed item not currently reporting on the XXXX  credit file. 
* However, as of XX/XX/year>, the XXXX XXXX account is still showing on my XXXX  credit report. 
Violations 1. Improper Reinsertion of Deleted Account : Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), once an item is deleted it can not be reinserted unless the furnisher certifies the accuracy of the information and the consumer is notified within XXXX business days. I never received any such certification or notice. 
XXXX. Failure to Conduct Reasonable Procedures : XXXX failure to prevent reappearance of deleted data shows a breakdown of their procedures for accuracy. 
XXXX. Willful Noncompliance : This improper reinsertion occurred despite the furnisher ( XXXX XXXX ) having already admitted it could not locate an account in my name. 
XXXX XXXX XXXX and XXXX XXXX I was forced to surrender the vehicle due to XXXX XXXX Since then, I have XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
I urgently need access to credit fXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX continued reporting of this false account has prevented me from obtaining the help I need. Their conduct has placed my health, safety, and life in jeopardy. 
Requested Resolution * Permanent deletion of the XXXX XXXX tradeline from my Equifax credit file. 
* Written assurance that the account will not be reinserted unless full FCRA reinsertion requirements are met ( certification + XXXX notice ). 
* Review and correction of XXXX reinsertion controls to prevent recurrence. 

Enclosures : * XXXX  letter dated XX/XX/year>, confirming deletion ( Confirmation # XXXX ) * XXXX  XXXX file dated XX/XX/year>, still showing the Regional Acceptance tradeline * CFPB case report : XXXX and 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 non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: AL

Complaint narrative:
All the unauthorized transactions made on my account ( they also transferred money in and out of my account ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX My check was direct deposited on XXXX called chime on XX/XX/XXXX and let them know that my account had been completely cleaned out which left me with a balance of XXXX  XXXX informed them that i didnt authorize any of the transactions that had shown up on my account.Chime sent me XXXX fraud alert text messages that asked me did i authorize the transactions which i didnt see until the morning i realized my funds were gone.i dont understand why if i didnt authorize these transactions, did Chime still allow them to go though? This is the XXXX time this has happened to me this year.This has left me completely broke with no money to provide for my kids.My mortgage payment bounced back because my account has XXXX funds.I had to call off work because i had no money to put gas in my car which caused me emotional stress.Chime told me that if the dispute hadnt been resolved by XX/XX/XXXX and XX/XX/XXXX, they would give me a provisional credit.I dont understand why am i having to wait receive my money that some one stole from me? I havent been able to pay any of my bills because of this.This has caused me financial and emotional distress.That is two weeks from now that Im having to wait to receive my money.This is totally unfair and should not be allowed to happen seeing that Im supposed to be federally insured.The last time this happened, Chime insured me that it wouldnt happen again.I told them i would keep my account open because i trusted that it wouldnt happen a 3rd time but here i am in the same situation again only this time all of my funds were taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing the late payment and delinquency entries showing on several accounts. These are incorrect based on my payment history and prior agreement, so I request that they be changed to Paid as Agreed and that all delinquency notations be 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 2025-09-27 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Detailed Complaint : Complainant : XXXX XXXX Phone : ( XXXX ) XXXX Company Complained About : XXXX XXXX American Express XXXX XXXX Dispute Resolution Team Nature of Complaint On XX/XX/year>, I verbally reported an unauthorized transaction on my American Express XXXX XXXX and signed an official notification of the dispute. XXXX assigned Case Number XXXX. 

On XX/XX/XXXX, I received an email stating that my dispute was denied because, according to XXXX, I provided my card information to a third party. I categorically deny this statement. At no point did I authorize, consent to, or provide my card information to anyone. The only action I took was using the automated phone service to activate the card. 

On XX/XX/XXXX, I emailed American Express requesting that my case be reopened, as I was not given a proper explanation for why the case was closed. 

On XX/XX/XXXX, I received another email again insisting that I had provided my card information to a third party a claim I strongly dispute. 

On XX/XX/XXXX, I followed up again and requested the following : Copies of all documentation, records, or evidence relied upon to reach XXXX decision. 
A reconsideration of my claim. 
Written confirmation of any escalation steps available to me. 
Despite this follow-up, I have not received any response. 


Why I Am Filing This Complaint I believe my dispute was closed unfairly and without proper investigation. 
I have been denied access to the evidence XXXX claims to have relied upon. 
My repeated written requests have been ignored. 
The disputed charges remain unauthorized, yet I am being held financially responsible for fraudulent use of my card. 
Requested Resolution XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, there were a total of {$490.00} charged fraudulently using my Chase debit card through my digital wallet. There were over 20 {$14.00} back to back charges on those days I reported this to Chase on XX/XX/XXXX once I noticed it and noticed my account had been overdrawn {$880.00} due to the fraudulent charges along with almost {$500.00} in overdraft charges. 

Chase stated they were denying my claim due to no changes with my Chase app, user ID and password. 

They have denied my claim twice, and they even stated that they could see the phone number tied to my digital number was different than my number. They could see the other number was that one that made the transactions but still won't refund me my money. 

I have lost my entire paycheck that was direct deposited into my account last Friday, and now, I can't pay my bills. 

I need assistance with this injustice that I am experiencing with Chase. Please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-27 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:
I am following up regarding multiple inaccuracies that continue to appear on my credit report, which are negatively impacting my creditworthiness. Despite my prior disputes, these issues have not been corrected, and the reporting agencies have failed to verify the information properly. 
Several addresses listed on my file, including locations on XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX in XXXX, are not associated with me and should not be linked to my credit file. Their continued reporting is confusing and has the potential to connect me to accounts that I do not recognize. 
Additionally, certain accounts continue to be reported inaccurately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts remain listed with derogatory remarks despite having a reported balance of {$0.00}. This representation is misleading and does not accurately reflect my financial history. 
There are also inquiries and accounts appearing on my report that I did not authorize or recognize, including those from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These items raise serious concerns regarding accuracy and authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I had a business credit card account with this bank for XXXX years but it was not reported on my Experian Business Account nor 3 Credit Bureaus. I had legal name change and during account history, I sent them name change documents and they didn't change my name on the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EdFinancial Services
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Re : Request for Blocking of Fraudulent Accounts Under FCRA 605B To Whom It May Concern : I am writing to formally dispute and request the immediate blocking of certain fraudulent accounts that appear on my credit file. Under the Fair Credit Reporting Act, * * 15 U.S.C. 1681c-2 ( FCRA 605B ) * *, I have the right to request that information resulting from identity theft be blocked from my consumer reports.

The following accounts are not mine and were opened or reported as a result of identity theft : 1. EDFINANCIAL SERVICES XXXX ( account ending in XXXX ) XXXX. XXXX XXXX ( account beginning with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I did not open or authorize these accounts, and they are incorrectly damaging my credit history. 

Enclosed, you will find : - A copy of my FTC Identity Theft Report / affidavit.

- A copy of my government-issued photo ID.

- A copy of a utility bill or other proof of current address.

Pursuant to FCRA 605B, I am demanding that these accounts be * * blocked from my credit file within 4 business days * * of receipt of this letter. Please also notify the furnishers of this information that it has been blocked due to identity theft.

If these items are not blocked, I will be forced to pursue further remedies with the Consumer Financial Protection Bureau ( CFPB ) and my state Attorney Generals office. 

Please send me written confirmation once the blocking of these accounts has been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
XX/XX/year> XXXX  were transferred to XXXX person whose name is under XXXX XXXX Mind you I lost my device back in XX/XX/year> my phone my identification and accounts were compromised Ive filed multiple police report sent them my proof that I didnt authorize or have no knowledge of all of those money transfer that were sent I already sent all my evidence there not taking consideration or time to resolve my dispute my dispute has been denied less than and hour from me filing or reopening my dispute claim when it clearly says XXXX take them XXXX to XXXX calendar days to solve a dispute which is why I wan na further escalate this situation I dont believe its fair and neither do I think there taking the time to gather enough information on those transfers

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: FL

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 2025-09-27 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: IL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating Account Name : XXXX overst Account number : XXXXXXXX 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 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 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 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 XXXXurthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please forward me an updated credit report after you have completed your Investigation and corrections. Your cooperation and prompt attention are greatly appreciated

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 2025-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Global Tel*Link Corporation
State: CA

Complaint narrative:
On XX/XX/year>, I deposited {$49.00} into a GTL ( Global Tel Link ) account for XXXX XXXX ( XXXX XXXX XXXX ) for telephone calls. The funds were never credited or usable. I contacted GTL on XX/XX/year>, and was provided instructions, but the problem persisted. 

Since then, multiple attempts to make deposits have failed despite funds being available. I was charged or attempted charges of {$82.00} and {$84.00} on XX/XX/year>, all marked Declined. Screenshots from my XXXX account and GTLs deposit history show repeated declines and inconsistencies, yet GTL has kept my money or applied fees without providing service. 

This practice is unfair and has caused me financial harm by preventing me from contacting an incarcerated family member while withholding funds.

Resolution Requested : 1. Immediate crediting of the {$49.00} deposit ( XX/XX/year> ). 


2. Refund of all failed/duplicate charges and associated fees ( {$82.00}, {$84.00}, etc. ).

3. Assurance that GTL ceases the practice of withholding funds while services are denied.Expanded Complaint Statement In addition to the issues described with GTL deposits and dropped calls, I have also been denied access to services under GTLs related companies, which include XXXX XXXX, XXXX, XXXX, XXXX, and XXXX. 

On XX/XX/year>, I deposited {$25.00} into a Friends & Family account for use on XXXX  video visits with inmate XXXX XXXX XXXX XXXX XXXX XXXX ). Despite the payment being accepted, I was denied access to the service. Screenshots show repeated errors such as Sorry but an error has occurred and Oops! The page you were looking for has been moved or no longer exists.

This pattern demonstrates that GTL and its subsidiaries, while operating under different brand names, are functioning as a monopoly in inmate communication services, and they are camouflaging this control to avoid scrutiny. They are withholding funds, charging fees, and failing to provide the services promised, both for telephone calls and video visits. 

This not only causes financial harm but also deprives me of my right to maintain communication with incarcerated family members. 

Requested Resolution ( Updated ) : 1. Full refund of the {$25.00} XXXX  deposit and restoration of access to video visiting services.

2. Investigation into GTLXXXX and its subsidiaries for monopolistic practices in inmate communications.

3. Assurance that consumers are not misled by multiple brand names masking a single provider. 


XXXX. Refund of all declined/mishandled deposits across GTL/XXXX  platforms, and credit for all dropped calls. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX  XXXX Phone : XXXX Email : XXXX Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: ME

Complaint narrative:
My account was hacked from a cloned chase bank number. They had reversed XXXX transactions. XXXX being child support and the other brigit. The bank made it look like my fault that I was being hacked, refused to give me any information, and make a joke of fraud while closing the account. They refuse to enlighten me on where a deposit for XXXX went and whether or not it bounced back to the VA to send to the accurate account or if chase bank is sitting on the money. This is after I was hacked for XXXX ( rough amount ). Chase is a half a state away from me and I do not have a vehicle. I am a XXXX XXXX 

I need to pay rent, child support, phone bill, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Creditor : Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Account Number : XXXX Complaint Summary : I am filing this complaint regarding inaccurate and unlawful reporting on my Capital One credit card account. This account is reported with repeated late payments, past-due notations, and a charge-off of {$470.00}. These derogatory marks are harmful to my credit profile and are not in compliance with federal law. 
Legal Basis : Under 15 U.S.C. XXXXb ( Time to Make Payments ), a creditor may not legally treat a payment as late unless it has adopted reasonable procedures to ensure billing statements are mailed or delivered at least XXXX days prior to the due date. There is no evidence that Capital One complied with this requirement, making the reported late payments invalid. Furthermore, under the Fair Credit Reporting Act ( 15 U.S.C. XXXX ), furnishers must report complete and accurate information. The repeated delinquencies and charge-off reporting are inaccurate, misleading, and unlawful. 
Violation Details : My credit report shows a pattern of escalating late payments ( XXXX, XXXX, XXXX, XXXX, and XXXX days ) from XXXX through XXXX, culminating in a charge-off in XX/XX/XXXX. This is unlawful absent proof that Capital One complied with statutory billing and notice requirements. Without proper validation, the account history constitutes false reporting under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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