vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-29 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:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least XXXX  days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: PA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

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 2025-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
b'Merchant: XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX\nPayment Processor: CashApp (via XXXX XXXX XXXX XXXX XXXX XXXX XXXX)\nAmount Paid: $177.00\nDate of Payment: XXXX XXXX XXXX\n\nSummary of Complaint\nI am filing this complaint regarding a purchase from XXXX XXXX XXXX XXXX and subsequent denial of refund through CashApp. Despite payment and repeated attempts to resolve the issue, I have not received the goods ordered or a refund.\nTimeline of Events\n- XXXX XXXX XXXX: Initial contact with merchant via XXXX Messenger regarding lap scarves.\n- XXXX XXXX XXXX Provided fabric choice.\n- XXXX XXXX XXXX: Merchant agreed order would be completed within two weeks.\n- XXXX XXXX XXXX: Payment of XXXX sent via CashApp to XXXX XXXX XXXXt).\n- Order: XXXX  lap scarves at XXXX each, plus XXXX shipping and XXXX tax.\n- XXXX XXXX XXXX: XXXX  tracking number provided (XXXX XXXX XXXX XXXX XXXX XXXX XXXX records indicate only electronic data entry at a kiosk in XXXX, TX, but XXXX  never received the package.\n- XXXX XXXX XXXX: Multiple attempts to contact merchant via Messenger and audio call. Merchant stopped responding.\n- XXXX XXXX XXXX: Requested cancellation and refund. No response.\n- XXXX XXXX XXXX: Filed claim with CashApp.\n- November 24, 2025: Claim denied.\n- XXXX XXXX XXXX: Appeal marked Denied before I had the opportunity to submit supporting documentation.\n- XXXX XXXX XXXX: Email stated I had until XXXX  AM EST to submit evidence, but CashApp system showed denial the day before.\n\nIssues\n- Non-delivery of goods: Merchant failed to ship the purchased items.\n- Failure to provide refund: Merchant ignored repeated requests for cancellation and refund.\n- Payment processor denial: CashApp denied my claim and appeal without allowing me to submit supporting documentation, despite conflicting timelines provided in email and website.\n- Financial loss: I am out XXXX with no product or refund.\n- Pattern of complaints:\n- A search on XXXX  shows other individuals in Texas have also posted complaints about XXXX XXXX XXXX XXXX  business practices.\n- Additionally, I reviewed the Better Business Bureau (BBB) website. Although the company is not BBB-accredited, there are complaints similar to mine, including one as recent as XXXX XXXX XXXX  listed under XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: CO

Complaint narrative:
Ordered from an online store not realizing its a scam. Ive contacted the company. Company stated they would refund my {$110.00}. This was in XXXX of 2025. Ive contacted my bank, CHIME card, disputed charge XXXX times with proof of company stating they would refund. Chime denied all XXXX of my disputes. Please look into this. Chime is refusing to refund the stolen money they took from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In XX/XX/XXXX I called XXXX XXXX and requested they send the paid in full letter and last statement of the account showing when the account was paid in full and closed. I have also asked the account be reported completely and accurately on my credit report to show the following : The balance should read {$0.00} and the date the account was closed needs to be added/updated. 
Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Closed Paid as Agreed Balance : {$0.00} Date Closed : Payment History : 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Remarks : Closed at consumers request

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 2025-11-29 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: GA

Complaint narrative:
I, XXXX XXXX XXXX am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report XXXX is 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 2025-11-29 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: AL

Complaint narrative:
b'Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report.\nXXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX  Balance Owed XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX Balance Owed 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 2025-11-29 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: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/year>, I went to get my oil changed. When it was time to pay, my Chime card declined. I asked the cashier to run it again, and it declined a second time. Confused, I opened my Chime app and saw that my money had been taken from my account without my permission. I immediately called Chime to report the unauthorized transactions. 


I am filing a complaint regarding Chime 's denial of my unauthorized transaction claim totaling {$2100.00}. These funds were taken through Pay Anyone transfers that I did NOT authorize or initiate. I have been a Chime customer for over XXXX years and have never used the Pay Anyone feature at any time. 

Chime has denied my dispute XXXX times while stating that no error occurred and falsely claiming that I personally initiated these transfers. This is not true. I filed a police report, and law enforcement confirmed the transactions were unauthorized. 

Chime refuses to provide evidence to support their claim that I authorized the transfers. They have not provided : IP address Device ID Location data Receiving account information Transaction metadata Chime also told me they do not know where my money was transferred, which is false, as all financial institutions are required to know the receiving account and routing information for every transfer. 

Regulation E violations : Failure to conduct a reasonable investigation Refusal to provide transaction evidence Repeated denial without justification Requiring new information that I can not provide because I do not know the criminal, which is not required under Regulation E Failure to honor the police report Failure to provide provisional credit despite financial hardship Because of Chimes refusal to return my stolen funds, I am now facing financial hardship, and my bills are behind. I am requesting CFPB intervention to require Chime to comply with Regulation E and refund the {$2100.00} stolen from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I XXXX XXXX XXXX want to request at this time under extraordinary circumstances the deletion of all past due payments on my account posted by your financial institution. My request is professional based upon the following criteria : I am an XXXX in the United States XXXX XXXX and have been XXXX for over XXXX-years. My training has been rigorous for an exceedingly long time, and I had truly little room to attend my personal affairs. Having been recently married, my wife now manages all payments to my accounts. 
My service to my country deserves some consideration. 
Thank you for your attention to this matter. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/year>, I sent certified debt validation and reinvestigation letters to Experian, Equifax, and TransUnion, as well as to the collection agencies and furnishers listed below, requesting full documentation to verify several accounts appearing on my credit report. The debts in question are : XXXX XXXX XXXX {$960.00} ( no original creditor information listed ) XXXX XXXX {$1300.00} ( no account number provided ) XXXXXXXX XXXX  {$1500.00} ( no account number provided ) XXXXXXXX XXXX {$1700.00} ( no account number provided ) XXXX XXXX XXXX {$12000.00} Each certified letter included a formal request for : The name, address, and account number of the original creditor ; A copy of the signed agreement or application bearing my signature ; Proof of assignment or ownership granting the collector the right to collect ; Documentation confirming the collector is licensed and authorized to collect debts in Georgia ; A full accounting history showing how each amount was calculated.

Despite these lawful requests under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), neither the credit bureaus nor the collection companies have provided any validation or supporting documentation. The accounts continue to appear as verified on my credit report without any evidence that the information has been substantiated.

Violation and Consumer Harm : The bureaus failure to investigate and validate these accounts constitutes a violation of FCRA 611 ( a ), which requires reinvestigation of disputed information, and the collectors non-response violates FDCPA 809 ( b ), which mandates that all collection activity must cease until the debt is validated.

The continued reporting of these unverified debts has damaged my credit reputation and interfered with my ability to obtain credit, housing, and fair financial opportunities.

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 2025-11-29 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: GA

Complaint narrative:
On XX/XX/year>, I sent certified debt validation and reinvestigation letters to Experian, Equifax, and TransUnion, as well as to the collection agencies and furnishers listed below, requesting full documentation to verify several accounts appearing on my credit report. The debts in question are : XXXX XXXX XXXX {$960.00} ( no original creditor information listed ) XXXX XXXX {$1300.00} ( no account number provided ) XXXXXXXX XXXX  {$1500.00} ( no account number provided ) XXXXXXXX XXXX {$1700.00} ( no account number provided ) XXXX XXXX XXXX {$12000.00} Each certified letter included a formal request for : The name, address, and account number of the original creditor ; A copy of the signed agreement or application bearing my signature ; Proof of assignment or ownership granting the collector the right to collect ; Documentation confirming the collector is licensed and authorized to collect debts in Georgia ; A full accounting history showing how each amount was calculated.

Despite these lawful requests under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), neither the credit bureaus nor the collection companies have provided any validation or supporting documentation. The accounts continue to appear as verified on my credit report without any evidence that the information has been substantiated.

Violation and Consumer Harm : The bureaus failure to investigate and validate these accounts constitutes a violation of FCRA 611 ( a ), which requires reinvestigation of disputed information, and the collectors non-response violates FDCPA 809 ( b ), which mandates that all collection activity must cease until the debt is validated.

The continued reporting of these unverified debts has damaged my credit reputation and interfered with my ability to obtain credit, housing, and fair financial opportunities.

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 2025-11-29 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: CA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-11-29 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: ID

Complaint narrative:
In XX/XX/year>, I disputed two accounts reported by Experian that originated with XXXX. Experian marked both items as verified, but did not correct the inaccurate information or provide any explanation. 

On XX/XX/year>, I mailed Experian a written Method of Verification request pursuant to FCRA 15 U.S.C. 1681i ( a ) ( 7 ). This request asked Experian to identify who they contacted, how they verified the information, and what documents were used. Experian did not provide any of the required information.

Instead of responding to my MOV request, Experian opened two new disputes on XX/XX/year> without my authorization. Both were later closed as verified and updated, but no actual verification information was provided. No documents, no furnisher contact details, and no method of communication were disclosed. 

Experian also reported inconsistent and conflicting furnisher information for the same lender, including different names and different addresses. This suggests no real investigation took place. Experian did not conduct a reasonable reinvestigation as required under FCRA 1681i ( a ) ( 1 ), did not ensure maximum possible accuracy under 1681e ( b ), and failed to provide the Method of Verification required under 1681i ( a ) ( 7 ). 

I am requesting CFPB assistance because Experian ignored my lawful information request, opened unauthorized disputes, and continues to report information that they have not verified.

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 2025-11-29 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: GA

Complaint narrative:
I formally disputed the items in the attached letter with Experian on XX/XX/year> via Certified Mail. Transunion has failed to conduct a reasonable investigation and/or failed to delete information that could not be verified in violation of 15 U.S.C. 1681i

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 2025-11-29 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: AZ

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 2025-11-29 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: AZ

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