vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: NY

Complaint narrative:
Chime withdrew {$150.00} from my direct deposit on XX/XX/year>, labeling it as a XXXX repayment. My account was never overdrawn, and my official XXXX statement shows that Chime had already refunded those same XXXX payments on XX/XX/XXXX as repayment reversals. 

When I asked for proof or a transaction ID for the supposed refund, the Chime representative admitted there was no transaction ID and then ended the chat. I have screenshots and my full statement showing these reversals and the deduction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: 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 XXXX 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 2025-10-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: WA

Complaint narrative:
There is a fraudulent transaction on my cash app account & that account is " XXXX XXXXXXXX '' my email address connected to this account : XXXX, phone # associated with this account : XXXX XXXX XXXXXXXX. The transaction in question was conducted without my nolidge or without my permission. The said transaction happened on the day of XX/XX/XXXX @ XXXX in the amount of {$320.00}, I have undiniable proof that shows I was incarcerated at the time this transaction happened. I was released over an hour after this transaction in question had took place. I disputed said transportation with cash app & was denied, I appealed said transaction & was denied as well. I will send you my proof that shows everything, my proof is from the XXXX XXXXXXXX XXXX XXXX website, the XXXX in question is located in XXXXXXXX XXXX. Shows when I was XXXX  & also shows when I was XXXX, Wich was over an hour after said transaction was completed so I'm blown away that a was denied at all.... Let alone denied twice .. so know I want to take further legal action to get my funds back & write this wrong.... I just need the information of where I need to send my documents of proof to you....

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: NC

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which requires the reporting of 100 % accurate information. Ive suffered financial harm due to these violations and am entitled to resolution in the form of deletions. These inaccuracies have caused me to get denied for credit. Im trying to purchase a home for my family but have failed to do so because of my credit report. The accounts in my attached letter are not accurate, and I demand their immediate removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: NC

Complaint narrative:
I am sending this complaint regarding multiple inaccuracies on my credit report, including incorrect personal information, inconsistent account reporting, and an unauthorized inquiry. My credit file lists several false name variations XXXX XXXX XXXX XXXX, XXXX, XXXX, and XXXX XXXX which are not my legally used or verified names, in violation of FCRA 602 ( a ) and 607 ( b ) requiring maximum possible accuracy of consumer data. Additionally, there are inaccurately reported charge-off accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$3800.00}, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$920.00}, both reported only by Experian, indicating inconsistent furnishing across credit bureaus in violation of FCRA 623 ( a ) ( 1 ) ( A ). Furthermore, an unauthorized inquiry from XXXX XXXX XXXX dated XX/XX/year> appears without a permissible purpose or my consent, violating FCRA 604 ( a ) ( 3 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint against TransUnion, LLC for violating the Fair Credit Reporting Act ( FCRA ) by failing to maintain accurate and consistent reporting on XXXX separate XXXX XXXX XXXXXXXX accounts listed in my credit file. TransUnion is reporting conflicting and misleading information that negatively affects my credit standing and violates my rights under 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2 ( b ). 

The first account, XXXXXXXX XXXX  XXXX Account No. XXXX & XXXX, is reported as Closed with a {$0.00} balance yet simultaneously shows as 90 days late. Once an account is closed and carries no balance, it can not accurately remain listed as currently delinquent. This inaccurate reporting is misleading and constitutes a violation of the FCRAs accuracy provisions. 

The second account, XXXXXXXX XXXX  XXXX Account No. XXXX & XXXX, is reported twice under TransUnion with contradictory data. One version shows the account as Charge Off with 0/0/0 lates, while another version lists XXXX lates and notes Information Disputed by Consumer. These XXXX conflicting entries can not both be correct, and their continued presence on my credit file demonstrates TransUnions failure to ensure data accuracy and consistency.

These reporting inconsistencies constitute clear violations of FCRA 1681e ( b ) ( failure to ensure maximum possible accuracy ), 1681i ( failure to reinvestigate and correct disputed items ), and 1681s-2 ( b ) ( failure of furnishers and bureaus to correct inaccurate or incomplete data ). I am requesting that TransUnion immediately reinvestigate these XXXX XXXX XXXX  XXXX accounts, correct or delete any unverifiable or inconsistent information, and provide me with written confirmation of the results along with an updated credit report reflecting accurate data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
Complainant : XXXX XXXX XXXX Card Product XXXX XXXX XXXX XXXX XXXX XXXX  Issuer : XXXX XXXXXXXX, Member FDIC Program Manager : InComm Financial Services , Inc. ( XXXX ) I LOADED {$500.00} ON CARD ENDING IN XXXX # ON CARD PACKAGING AND ON THE BOTTOM OF CARD IS XXXX Complaint Summary I purchased a XXXX XXXX XXXX XXXX XXXX, issued by XXXX, XXXX, Member FDIC and managed by InComm Financial Services , Inc . I registered the card and completed all requested verification steps. Despite this, my account was denied activation and my funds remain inaccessible. 
During multiple calls with XXXX  representatives, I received inconsistent explanations. XXXX representative stated that my money could only be used for retail shopping, which directly contradicts the XXXX  package and Cardholder Agreement that clearly state the card can be used everywhere XXXX debit cards are accepted in the U.S. I also specifically asked the representative to provide the written policy and procedure supporting this retail-only restriction. The representative acknowledged my request but failed to provide or cite any actual policy, leaving me without documentation or justification for the denial. This lack of transparency and the withholding of my funds appear to violate the CFPBs prepaid-account rules and consumer disclosure standards. I request a written explanation consistent with the XXXX  Cardholder Agreement or immediate release of my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: OLD NATIONAL BANCORP
State: IL

Complaint narrative:
Me and my husband XXXX XXXX opened an account at the Old National Bank on XX/XX/year>. At that time we deposited a cashiers check sent to me from XXXX. for {$100000.00}. We were told it would take XXXX days to clear and XXXX would be available for use. XXXXXXXX XXXX My husband handles the management of funds in our household. He is a XXXX XXXX now and has worked in management for XXXX years so he handles the finances. I sent him to withdraw {$3000.00} for bills on XXXX XX/XX/year>. Shortly after I used his cell phone to login to my account to check the balance but was unable to login. I called the banks customer service number to find out why. A representative told me. the account was put on hold and flagged because I used an unrecognized device. My husband uses the same advice for both his and our account at Old National Bank so I'm not understanding how it is an unrecognized device. I sent my husband to the bank on XX/XX/year> to have the hold lifted as directed by customer service. The branch banker told him he would call Fraud and have the hold lifted. He asked XXXX questions that I don't feel is on a need to know basis like what he spent the {$3000.00} for and how does he plan to use our money. We waited for a week and I sent my husband to the bank on XX/XX/year>. The account was still on hold and the banker replied I forgot I had to call the fraud team. This is a bit unprofessional for a banker. The banker spoke to the Branch manager and told her he was going to call fraud department and neither me or my husband was sure what they talked about. The banker and branch manager both went to talk to my husband and asked how we were going to use the funds and he told them he was opening a business. The branch manager told him he needed to establish a business in order to get the hold lifted. He established the business on XX/XX/year> and showed the banker receipts on XX/XX/year> and was still told the hold will not be lifted until he received the paperwork. My concern is the reason for the hold was because of a login attempt and don't feel its necessary for him tp have to provide paperwork to have hold lifted. This is a personal account, not a business account. I also feel my about may be closed due to this complaint but my husband will be contacting corporate to assist with this mater as well so he may be able to prevent that.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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:
XXXX is reporting an inaccurate account to the three major credit bureaus, Transunion, Experian and Transunion. Account XXXX should be removed under statue FRCA 605B immediately. Police report XXXX should be processed and substituted for the forms backed by the FTC during this government shut down. Account is an error and not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Fay Servicing, LLC
State: OH

Complaint narrative:
I have a XXXX XXXX that causes me issues since a major accident. I used my partial claim funds and have about $ XXXX left. I got a new job after falling behind again and asked for a payment plan where I would pay and extra {$1000.00} over 4 months on my mortgage payment. they told me the only option was to pay an extra almost {$3000.00} a month for 3 months. I have not used the forbearance option and they did not offer it and when I asked they told me its not an option. XX/XX/XXXX I called again and asked about the arrangement, I was not sent anything but a stub ive attached. I dont know if I can be late on this arrangement or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I lost my wallet in XX/XX/year>. I had a few utility accounts, checking accounts open in my name fraudulently. I did not open these accounts. I didn't open accounts at Bank of America, XXXX, XXXX XXXX or any accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
Im filing a complaint against American Express regarding a billing and system accuracy issue. 

My Amex account shows contradictory and inaccurate information. I reported a fraud claim, and a credit should have been applied to reduce my balance. However, Amexs system is not reflecting the credit it still shows I owe the full amount. On top of that, my card now shows as Cancelled, even though it is supposed to remain active for investigation and balance adjustments. 

Because of this, I cant view my accurate balance, recent transactions, or verify whether my payments and credits are correctly applied. The statements and online portal are inconsistent, misleading, and impossible to reconcile. 

Ive contacted Amex support multiple times and they have confirmed theres a system issue, but they havent fixed it or provided accurate written confirmation of my true account status or balance. 

This violates my rights under the Fair Credit Billing Act and Truth in Lending Act, which require accurate billing disclosures and prompt correction of errors. If these inaccuracies are being or will be reported to credit bureaus, it would also constitute a Fair Credit Reporting Act violation. 

I request that Amex : Immediately fix the error and correctly apply the fraud credit to my balance Restore accurate account visibility so I can see my balance and card status Provide written confirmation of my accounts correct standing and any reporting to credit bureaus Ensure Im not charged interest or fees during this period of system inaccuracy I am attaching screenshots of the Amex app/portal showing the contradictory information ( cancelled card + balance owed ) and any communications with their agents.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-30 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: 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am submitting as a consumer who has carefully reviewed my credit report and identified inaccurate reporting that is negatively affecting my financial standing. Under the Fair Credit Reporting Act ( FCRA ), specifically sections 1681e ( b ) and 1681i, I have the right to dispute inaccurate or incomplete information and to have disputed accounts investigated to ensure maximum possible accuracy. The account I am disputing is detailed below. 
XXXX XXXX XXXX Balance : {$0.00} Under FCRA 1681i ( a ), I am formally requesting a full investigation of this account to ensure that the reporting accurately reflects its true status as tied up to open account. The goal of this request is to correct any inaccurate charge-off reporting, not to remove the account from my credit report, so that it fairly represents my financial responsibility and creditworthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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:
I am writing to formally dispute inaccurate information and late payment reporting that appears on my credit file. The accounts listed below contain errors that do not accurately reflect my payment history or account status and must be investigated and corrected under the Fair Credit Reporting Act ( FCRA ) 602A, 611, and 623. 

TRANSUNION : Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Reported Balance : {$2200.00} Account Name : XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Reported Balance : {$39.00} EXPERIAN : Account Name XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Reported Balance : {$2200.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Reported Balance : {$39.00} EQUIFAX : Account Name : XXXX  Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Reported Balance : {$2300.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Reported Balance : {$79.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: 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 2025-10-30 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:
I am writing to formally dispute the accuracy and validity of the accounts listed below, which I believe were compromised and reported as a result of a data breach and potential identity misuse. I have not authorized or verified these accounts reappearance or activity on my TransUnion credit report. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these items be investigated and deleted immediately if found to be inaccurate, unverifiable, or resulting from a breach. 
Accounts in Dispute : Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Reported Balance : {$0.00} Account Name : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Reported Balance : {$5800.00} Account Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Reported Balance : {$7500.00} Account Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Reported Balance : {$0.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Reported Balance : {$2200.00}

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