vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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: VA

Complaint narrative:
XX/XX/year>, XXXX am. $ XXXX XXXX XXXX XXXXnd XXXX XXXX XXXX Georgia XXXX XXXX are not in XXXX contacts. I do not know these people and They hacked my Chime account and stole my emergency loan for housing. I had to ask my landlords for more time to not put me out on the streets because of these scammers. I've told Chime that they took my emergency rent money and I need it back today. But they said it's an investigation and I have to wait until XXXX or XXXX to get my money back in that time frame I will be in the shelter for XXXX. I can't do anything else but pick up more shifts at work. I don't have family and that was my emergency loan money plus sum of my paycheck. The hackers sent laughing emoji and say thank you for buying my i phone case and thank you for the XXXX XXXX book. I'm about to be homeless while these people enjoy they life with my hard earned money. I need help. Chime won't help and I can't get another loan or ask for money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I XXXX XXXX am physically writing this. I am disputing the XXXX XXXX XXXX collection reported by XXXX XXXX XXXX because this account is not mine, and I was never notified or given the opportunity to dispute it. I did not open this account, authorize any services, or sign any agreement with XXXX XXXX or XXXX XXXX XXXX. If you believe you sent the proper notice as required under the FDCPA, please provide certified mail documentation, including a receipt displaying my signature, proving I was legally notified of this alleged debt. Under my rights in the FCRA, including 602, 607 ( b ), and 611 ( a ), as well as FDCPA 809 ( b ), please also furnish the original contract or service agreement with my wet signature and any documentation allegedly connecting me to this account. If you can not provide certified proof of notice or the original signed contract, then this account is unverified, inaccurate, and being reported in violation of federal law. Therefore, TransUnion must delete this collection account immediately and provide written confirmation once the deletion is completed.

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 2025-11-21 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: Exeter Finance, LLC.
State: CO

Complaint narrative:
Exeter Finance is reporting a derogatory tradeline on my credit report that I believe is being improperly re-aged. The original delinquency and charge-off occurred several years ago, but the account is still being updated as a recent derogatory. The tradeline shows a most recent reporting date of XX/XX/XXXX, even though there has been no consumer activity since XXXX. This continued updating is causing the account to appear newer than it is and is significantly harming my credit score. 

I sent Exeter a written FCRA verification request and asked for documentation of the Date of First Delinquency ( DOFD ), complete payment history, charge-off date, and balance calculation after charge-off. The company has not provided any written response. I am requesting that the tradeline be removed if Exeter can not validate the reporting with the documentation required by law. 

I am an XXXX servicemember, and derogatory reporting continued after I entered XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ACIMA CREDIT, LLC
State: OK

Complaint narrative:
XXXX family members received calls from a processor looking attempting to either find me to serve court paperwork or provide a phone number for me to call. This phone number led me to a company called Summit representing Acima leasing. They had all information regarding my debt, such as items purchased, debt owed, date of purchase, date of default, and so on. They offered to let me set up a payment plan with Acima to pay off the debt, or otherwise be taken to court for breach of contract and debt owed. I paid the amount of XXXX to start the payment plan. I was also never notified of a sale of my debt by Acima. If this is Acima Leasing, then they are operating illegally by calling relatives about unresolved debt and making threats. If this is not Acima, then they have mishandled my information, leading to a fraudulent company scamming me with information only available to Acima.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: WV

Complaint narrative:
My vehicle loan with Ally Bank was paid off and closed in XXXX of XXXX. 

My bank ( XXXX XXXXXXXX ) sent a payment by mistake to the closed auto account on XX/XX/XXXX in the amount of {$480.00}. Ally auto customer service can see the payment was received and returned to vendor on XX/XX/XXXX but they keep giving me no further information anytime I call or chat to check the status of my refund. They have no financial tracking information to provide and the only thing I am told is to wait a few more weeks. 

XXXX XXXX has not received a refund back to my account as of today, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Bureau Services Association
State: TX

Complaint narrative:
I never received letter regarding debt from XXXX. There is now XXXX with original lender. I have no idea where it is from

Company response to consumer: Untimely response
Consumer complaint received 2025-11-21 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 reviewed my TransUnion credit report dated XX/XX/year>, and identified several entries that are inaccurate, unverifiable, and incomplete. These include accounts from XXXX XXXX XXXX XXXX and XXXX XXXX which contain XXXX XXXX XXXX errors, missing or inconsistent balances, incorrect opening dates, and lack the original creditors information. 

Additionally, there are multiple hard inquiries from entities like XXXX XXXX and XXXX  XXXX XXXX that appear duplicated or without a clear permissible purpose, in potential violation of XXXX XXXX. XXXX. 

The report also lists incorrect personal identifiers, including misspelled names and outdated or mismatched addresses and employers. These errors violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections XXXX ( b ), XXXX, and XXXX, and are damaging my credit standing. 

Despite my dispute, TransUnion has not provided proper verification or correction of these issues.

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 2025-11-21 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: EQUIFAX, INC.
State: MI

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint regarding several unauthorized hard inquiries that recently appeared on my credit report. I did not apply for credit with these companies, nor did I give permission for my personal information or credit file to be accessed. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, a company is only permitted to access a consumers credit report with a documented permissible purpose and with explicit authorization from the consumer. 

Unauthorized Hard Inquiries : 1. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Estimated Removal : XX/XX/XXXX 2. XXXX XXXX Date : XX/XX/XXXX Estimated Removal : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Estimated Removal : XX/XX/XXXX ( Screenshot attached as evidence. ) I am asserting that these inquiries were performed without my knowledge or consent, and therefore violate : FCRA 604 ( a ) Permissible purpose FCRA 607 Compliance obligations for users of credit reports FCRA 611 Right to dispute inaccurate or unauthorized information FCRA XXXX16617 Civil liability for willful or negligent noncompliance Requested Action I respectfully request that the CFPB : 1. Investigate each company listed above, 2. Require each company to provide written proof of permissible purpose, such as : A signed credit application Written or electronic authorization Any form of consent 3. If no proof exists, require the companies and the credit bureaus to permanently delete these inquiries from my credit file. 

Unauthorized inquiries negatively impact my creditworthiness and violate my rights as a consumer. I request written confirmation once the investigation has been completed. 

Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I alerted Cash App about transaction ID # XXXX it happened XX/XX/XXXX at XXXX Paid this person to no avail I did not receive any product or service this was fraud this person committed using Cash App and or XXXX XXXX  the amount was {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: LA

Complaint narrative:
Fraudulent accounts are reporting to my credit profile without my knowledge or 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 non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I XXXX XXXX am physically writing this dispute. I am disputing the XXXX XXXX XXXX collection reported by XXXX XXXX XXXX because this account does not belong to me, and I never received any notification or opportunity to dispute it. I did not open an account with XXXX XXXX, did not authorize any services, and did not sign any contract with them or with XXXX XXXX XXXX. If you believe proper notification was sent, I am requesting certified mail proof, including a receipt showing my signature, to validate that I was informed of this alleged debt as required under the FDCPA. Under my rights in FCRA 602, 607 ( b ), and 611 ( a ), as well as FDCPA 809 ( b ), I also demand the original signed contract and any supporting documentation that links me to this debt. If Equifax is unable to obtain certified proof of notice or the original signed contract, this account is unverified, inaccurate, and unlawfully reported under federal law and must be removed from my Equifax credit file immediately. Please provide written confirmation once this deletion is completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am submitting this complaint because Cash App permanently disabled my account on the suspicion of gambling activity, which I have repeatedly stated is incorrect. I do not gamble, nor have I used my account for any gambling-related transactions. 

I generally use my Cash App account for small purchases, bills, and occasional money transfers between friends and family. Nothing about my usage violates Cash Apps Terms of Service. 

I have contacted Cash App support multiple times through every channel available email, in-app messenger, and phone support. I have been asked the same three questions 56 times, and I have answered them clearly each time. However, instead of reviewing my responses or escalating my case, Cash App repeatedly sends me the same scripted replies. I am stuck in a loop where they keep asking for the exact same information and never actually escalate my appeal to the appropriate team. 

I have specifically requested : An explanation of what activity was flagged The reason my account was closed How to appeal the closure A manual or human review An escalation beyond first-tier support Cash App has not provided any of the information I requested. They continue to send generic responses that do not address my situation. I have not received a proper explanation, a genuine appeal process, or any actual review of my account. 

I am asking the CFPB to help ensure that my account is reviewed by a real person and not an automated script, and that Cash App provides a legitimate investigation into this wrongful closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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: DE

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 2025-11-21 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance whit the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681.

The accounts bellow have violated my rights.

15 U.S.C. 1681 section 602A, States I have the rights to privacy.

15 U.S.C. 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete the accounts bellow : XXXX XXXX XXXX  - XXXX XXXX CARD : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX CARD : XXXX XXXX XXXX : XXXX XXXX CARD : 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 2025-11-21 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: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance whit the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

The accounts bellow have violated my rights. 
15 U.S.C. 1681 section 602A, States I have the rights to privacy.

15 U.S.C. 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete the accounts bellow : XXXX XXXXXXXX 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 2025-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
In XX/XX/year>2025, I clearly requested through Midland Credit Management 's online chat that they stop contacting me by phone. The representative acknowledged this request and said they would raise it. 

Despite this, Midland continued calling me repeatedly throughout XX/XX/year>2025. 

The confirmed Midland number that left a voicemail was : ( XXXX ) XXXX I also received other repeated calls during the same time period from an additional number : ( XXXX ) XXXX I can not confirm whether the additional number belongs to Midland, but they occurred in the same cluster and pattern of calls, and the calls did not stop after I requested they stop contacting me. 

XXXX XXXX recently approved me for a XXXX XXXX, even though the account Midland claims to be pursuing was also a XXXX XXXX. This suggests the original creditor does not consider me delinquent or high-risk, and makes Midland 's repeated phone calls after acknowledging my cease-contact request even more unreasonable.

This caused stress, harassment, and interference with my daily life. They contacted me after my cease-contact request, which violates the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Fraudulent inquiries were reported on my credit profile on behalf of transunion by the company credit acceptance XXXX XXXXXXXX XXXX. 
Ive also went as far as to report this matter to the FTC and the report XXXX is:XXXX. I need these fraudulent inquiries removed from my credit as I never authorized them to begin with! Ive attached my proof and identification needed to have this matter resolved.

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 2025-11-21 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: ALLIANT CREDIT UNION
State: MI

Complaint narrative:
Fraudulent inquiries were reported on my credit profile on behalf of transunion by the company XXXX XXXX XXXX Alliant credit.

Ive also went as far as to report this matter to the FTC and the reportXX/XX/XXXX is:XX/XX/XXXX. I need these fraudulent inquiries removed from my credit as I never authorized them to begin with! Ive attached my proof and identification needed to have this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation