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: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Email : XXXX Phone : ( XXXX ) XXXX Issue : Incorrect charges added after account closure, no statements received, negative credit reporting. 

Company : XXXX ( XXXX XXXX XXXX XXXX  ) Account Ending : XXXX What happened : I opened a XXXX XXXX XXXX credit card issued by XXXX around XX/XX/year>. I closed the account on XX/XX/year> with a XXXX balance. My spending consisted only of small grocery items ( e.g., oat milk, olive oil, household staples ). 

Today, XX/XX/year>, I received an email stating I had an overdue balance of {$1600.00}, the first notice of any alleged balance. I never received billing statements via email or postal mail. 

A XXXX representative told me that the statements were probably in Spam, which is inconsistent with my historical receipt of XXXX emails. I believe there are billing errors or possible fraudulent charges on a closed account.

The negative reporting on my credit report has caused my score to drop from 800+ to the mid-700s, despite my account being closed with XXXX balance. 

Steps Ive taken : Contacted XXXX to dispute the balance ; requested documentation. 

Filed a formal FCBA  dispute letter ( sent via U.S. return address ). 

Submitted disputes to all three major credit bureaus. 

What I believe is wrong : Billing statements were never delivered. 

Charges appeared after account closure. 

Negative credit reporting occurred without verification. 

FCBA rights have not been honoured. 

The account may involve fraudulent activity.

Requested resolution : Require XXXX to investigate the disputed charges and provide proof. 

Require XXXX to provide evidence that billing statements were sent. 

Stop all collection activity during the investigation. 

Remove all negative credit reporting until verification is completed. 

Delete the alleged {$1600.00} balance if XXXX can not prove it is valid.

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: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Email : XXXX Phone : ( XXXX ) XXXX Issue : Incorrect charges added after account closure, no statements received, negative credit reporting. 

Company : XXXX ( XXXX XXXX XXXX XXXX  ) Account Ending : XXXX What happened : I opened a XXXX XXXX XXXX credit card issued by XXXX around XX/XX/year>. I closed the account on XX/XX/year> with a XXXX balance. My spending consisted only of small grocery items ( e.g., oat milk, olive oil, household staples ). 

Today, XX/XX/year>, I received an email stating I had an overdue balance of {$1600.00}, the first notice of any alleged balance. I never received billing statements via email or postal mail. 

A XXXX representative told me that the statements were probably in Spam, which is inconsistent with my historical receipt of XXXX emails. I believe there are billing errors or possible fraudulent charges on a closed account. 

The negative reporting on my credit report has caused my score to drop from 800+ to the mid-700s, despite my account being closed with XXXX balance. 

Steps Ive taken : Contacted XXXX to dispute the balance ; requested documentation. 

Filed a formal FCBA dispute letter ( sent via U.S. return address ). 

Submitted disputes to all three major credit bureaus. 

What I believe is wrong : Billing statements were never delivered.

Charges appeared after account closure.

Negative credit reporting occurred without verification.

FCBA rights have not been honoured.

The account may involve fraudulent activity.

Requested resolution : Require XXXX to investigate the disputed charges and provide proof. 

Require XXXX to provide evidence that billing statements were sent. 

Stop all collection activity during the investigation. 

Remove all negative credit reporting until verification is completed. 

Delete the alleged {$1600.00} balance if XXXX can not prove it is valid.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
=========================================================== AFFIDAVIT EXHIBIT A INACCURACIES IN TRANSUNION REPORT =========================================================== XXXX. XXXX XXXX Secured Credit Card [ CREDIT LIMIT {$300.00} ] vs. ( HIGH BALANCE {$430.00} ) Impossible for a secured card to exceed its limit. 
Pay Status : Paid, closed ; was 60 days past due Yet history shows OK until XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ). 
Remarks conflict : Closed at consumers request vs. Closed by credit grantor XXXX. XXXX XXXX XXXX Student Loan Responsibility listed as CoSignor Misrepresents borrower role. 
Balance {$0.00} but derogatory XXXX  days past due remains Remarks : Dispute resolved yet still coded as Closed by grantor XXXX. XXXX XXXX XXXX XXXX Collection Pay Status : Paid in Full Remarks : SETTLED Less than Full Balance. Contradiction. 
Original Creditor : XXXX XXXX XXXX  XXXX. 
Balance {$0.00} but the chain of assignments is unclear. 



XXXX. XXXX Student Loans ( Duplicate Tradelines ) XXXX separate trading lines opened same date, same servicer Duplicate reporting. 
Payment history shows/ X instead of valid ratings Remarks inconsistent : PDE ( Payment Deferred ) vs. OK Balance increases during deferment ( {$2300.00} {$2300.00} ) Should remain static unless interest capitalization properly explained. 

=========================================================== STATUTORY VIOLATIONS =========================================================== FCRA 1681e ( b ) : Failure to assure maximum possible accuracy.

FCRA 1681i : Failure to properly reinvestigate disputed information. 
Case Law : Cushman v. TransUnion ( 3d Cir. 1997 ) bureaus must do more than parrot furnishers.

=========================================================== i am surprised that was showing please delete and correct information that's showing im not a credit repair I'm the consumer thank you i attached id and proof of address

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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing a complaint regarding a XXXX XXXX XXXX account that has been repeatedly reinserted on my credit report with Equifax. This account is over XXXX XXXX XXXX and was previously deleted, but it continues to show as charged off with ongoing late payments being reported. The payment history is inconsistent and misleading.I filed an FTC Identity Theft Report and sent disputes under FCRA 605C and 611 ( a ) ( XXXX ) ( B ) requesting permanent deletion and proof of verification. XXXX sent a letter dated XX/XX/year>, but failed to provide any documentation validating the account or explaining how it was verified. Equifax also failed to notify me prior to reinserting the deleted account, which is a violation of the FCRA.I am requesting that both XXXX XXXX XXXX and Equifax permanently delete this account from my credit file and cease all future reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
I am writing to inform you formally, express my concerns regarding Chime 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Chime numerous times and reporting discrepancies, my financial institution and Chime failed to investigate my claims adequately. They informed me that recovery of lost funds was impossible and that these transactions was unfeasible. The CFPB 's findings indicate that Chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
I am the confirmed Successor-in-Interest for the property located at XXXX XXXX XXXX XXXX, GA XXXX XXXX 
The loan is a XXXX XXXX XXXX XXXX XXXX XXXX XXXX Form XXXX Single Family ). 

XXXX, I submitted a RESPA Qualified Written Request ( QWR ) by certified mail to Freedom Mortgage. Freedom Mortgage received the QWR and has : XXXX. Failed to provide written acknowledgment within XXXX business days as required under 12 CFR 1024.36. 
XXXX. Admitted in writing that I am a Successor-in-Interest, yet refused to provide the required Assumption Packet. 
XXXX. Stated on a recorded call and in email that they will not forward my SOI status or documents to XXXX XXXX before the XXXX servicing transfer. 
XXXX. Refused to provide any information about what ( if anything ) they sent to XXXX XXXX regarding my XXXX claim. 
XXXX. Refused to acknowledge the QWR or provide any response regarding it. 

This is a XXXX XXXX XXXX XXXX XXXX XXXX which requires servicers to provide assumption procedures and work with confirmed successors. Freedom Mortgage has refused to do so despite acknowledging my SOI status. 

Because the servicing transfer to XXXX XXXX occurs on XX/XX/XXXX, Freedom Mortgages failure to comply with 12 CFR 1024.38 ( continuity of service ) places me at risk of being forced to start over even though they already confirmed my SOI status and received all required documents. 

I am requesting that the CFPB require : Freedom Mortgage to comply with RESPA 1024.30 ( d ), 1024.36, and 1024.38 Freedom Mortgage to forward my SOI documentation and status to XXXX XXXX immediately Both servicers to recognize my Successor-in-Interest rights Freedom Mortgage to provide the Assumption Package and a full written response to my QWR XXXX XXXX to process me as XXXX without restarting the entire process Supporting Documents Attached : Certified mail receipt for the QWR The Fannie/Freddie uniform note showing loan is conventional Email from Freedom Mortgage acknowledging my SOI status Call notes/summary from recorded call where they refused required actions Copy of my QWR sent to Freedom Mortgage My formal escalation email to Freedom Mortgage Thank you for your assistance. 

Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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:
Subject : Formal Complaint Inaccurate Reporting by XXXX XXXX  ( FCRA, XXXX XXXX  & Florida Statute XXXX ) To whom it XXXX concern, I am filing a formal complaint regarding inaccurate, incomplete, and misleading reporting by XXXX XXXX  across multiple credit bureaus XXXX in violation of the FCRA ( 15 U.S.C. 1681e ( b ), 1681i ), XXXX XXXX  ( XXXX CFR XXXX ), and Florida XXXX XXXX ( XXXX ). 

After reviewing my credit reports, I identified the following errors : The account is marked as Current Account by TransUnion despite being reported as closed on XX/XX/XXXX. A closed account can not simultaneously be reported as current. This is materially inaccurate and misleading. 

TransUnion reports a balance of {$670.00} while Equifax reports {$640.00}. Closed accounts must reflect consistent and accurate balances across all bureaus. 

The reported high balance of {$5000.00} exceeds the credit limit of {$2700.00}, which is implausible and strongly suggests incorrect or corrupted data. 

The account was closed in XXXX, yet Equifax reports payment activity in XXXX. A closed account can not show new payment activity unless it has been reopenedwhich is not reportedindicating a serious data integrity failure. 

XXXX XXXX  requires furnishers to maintain and transmit accurate and verifiable information. These inconsistencies demonstrate non-compliance and potential use of unverifiable or incorrect data about the debt. 

Under Florida XXXX XXXX ( XXXX ), it is unlawful to provide deceptive or misleading information about a consumer debt. The contradictory statuses, balances, payment dates, and current designation may constitute a misrepresentation of the debts true condition. 

These inaccuracies are harming my credit profile and violate multiple consumer protection laws. I request that the CFPB investigate XXXX XXXX and require them to : Conduct a full investigation under FCRA 1681i ; Provide documented verification of all reported dates, balances, and statuses ; Correct or delete any inaccurate, inconsistent, or unverifiable information. 

Thank you for your attention to this matter. 

Sincerely, 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 2025-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
Requested the following information in XXXX and XXXX via certified mail. 

Proof that they own the account or were legally assigned the debt A complete chain of title from the original creditor to the collector The original contract or agreement with my signature An itemized statement of the balance The name and address of the original creditor Proof that the debt is within the statute of limitations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: OR

Complaint narrative:
despite multiple attempts to contact them to update phone and address the employee refused to update it without access to my previous phone number, the employee also gave me incorrect information regarding missed payments, and paying off the loans. 
As a result XXXX, out of the dozens of loans i had with them, were missed. ( the rest were paid in full ) and have been charged off by affirm. 
I am more than willing to pay these remaining balances as long as affirm agrees to remove the negative reports from my credit once those payments have been made. 
The XXXX company involved, XXXX, has agreed to accept my payment, dependent on affirm agreeing to remove the negative reports from my credit.

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: Chime Financial Inc
State: NJ

Complaint narrative:
I received an email from my school regarding someone wanting to give items away to the students I proceeded to message the individual and sent money for any shipping cost. I then received an email from my school that it was a scam. I reached out to chime and they said they could not dispute the transaction since it was sent to a person.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
b'Their are several hard inquiries on my account I do not recognize. Please remove these hard inquiries from my account. XXXXXXXX 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 2025-11-29 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: LA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the 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 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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Formal Complaint Inaccurate and Incomplete Reporting by XXXX XXXX XXXX XXXX FCRA, XXXX XXXX  & Florida Statute XXXX ) To whom it may concern, I am submitting a formal complaint regarding inaccurate, incomplete, and misleading reporting of my XXXX XXXX XXXX account across multiple credit bureaus. These errors violate the FCRA ( 15 U.S.C. 1681e ( b ), 1681i ), XXXX XXXX  ( XXXX CFR XXXX ), and Florida XXXX XXXX ( XXXX ). 

The following issues were identified in my reports : The reported high balance is {$0.00} despite a credit limit of {$4000.00}, which is impossible for an account that was open and in use. This indicates inaccurate or corrupted data. 

The account closed on XX/XX/XXXX, but the bureaus continue updating or refreshing the item as of XXXX, which is misleading and violates the accuracy requirements of FCRA 623. 

TransUnion displays a Payment History section with no data, which constitutes incomplete reporting and creates a misleading impression regarding payment performance. 

Equifax does not list a last payment date, actual payment amount, or any final payment details, despite the account being reported as XXXX and XXXX. This is incomplete information under FCRA 1681e ( b ). 

XXXX XXXX requires furnishers to transmit only accurate and verifiable information, and these inconsistencies demonstrate non-compliance. 

Under Florida XXXX XXXX ( XXXX ), it is unlawful to communicate false or misleading information regarding a consumer debt. The inconsistencies above materially alter the character of the account. 

These inaccuracies are harming my credit profile, and I am requesting that the CFPB investigate XXXX XXXX XXXX and XXXX : A full reinvestigation under FCRA 1681i ; Verification of all data elements ( high balance, payment history, last payment, balance history ) ; Correction or deletion of any inaccurate or unverifiable information. 

Thank you for your assistance. 

Sincerely, 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 2025-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
On XX/XX/year> I renewed my weekly stay at XXXX XXXX XXXX in XXXX Ca. I was told by the Customer Service XXXX at the front desk if I did not stay the whole week I would be credited back the difference at {$71.00} per night. My debit card was charged a weekly fee of {$490.00} on the XXXX of XXXX. On XX/XX/year> I checked out and told the Customer Service Rep at the front desk I was leaving and if I could get an extension to leave by noon that day. I ended leaving earlier around XXXX am. I was told that I would be credited in XXXX to XXXX business days a total of {$350.00}. Yesterday I called XXXX XXXX XXXX and spoke to the front desk agent and she stated " She did not have a record of me checking out ''. I explained to her that I checked out on Tuesday XX/XX/XXXX, XXXX and our interaction was monitored and recorded on video. She told me the credit back to my debit card was going to take XXXX to XXXX business days. Today I decided to contact my credit union and file a dispute and the customer service rep told me they were going to start an investigation and that a provisional credit would be issued in a matter of days. I asked him why I was not granted an immediate credit as they always do for their customers and they said they needed to investigate. I asked to speak with the escalation department and I was quoted an unlawful time frame of the provisional credit taking up to XXXX days when in fact under Regulation E they are required to issue a provisional credit within XXXX business days. I need assistance in this matter and a provisional credit in the amount of {$350.00} issued back to my XXXX debit card ending in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I went to send money back to my ex-husband XXXX XXXX and it ended up going to someone named XXXX XXXX took all the stuff they said to stop it. It took a whole week and then was finally accepted by the wrong person after I put in a request to stop payment because it was the wrong person I called and spoke to the representative they pass it to the manager. I waited never heard nothing back. I waited XXXX  days call back again with the same complaint. They escalated it and I just got a email saying that its not gon na be refunded. How do they allow people to come up in peoples cash app? Thats not even in their contacts and I dont understand why they want refund me when I took the steps that they told me to take.

Company response to consumer: Closed with explanation