vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 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: TX

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These agencies have consistently ignored their responsibilities by letting these unauthorized items stick around. This kind of behavior is careless, damaging, and clearly goes against what federal law requires.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
CFPB Complaint Reinsertion of Deleted Bankruptcy by Experian A previously deleted XXXX  XXXX bankruptcy was improperly reinserted into my Experian credit report without proper written notice and without certification of accuracy from the furnisher, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 

Experian Information Solutions , Inc . 

I disputed a XXXX  XXXX bankruptcy record listed on my Experian credit report. After review, Experian removed the bankruptcy from my credit file and confirmed this in writing. ( XXXX XXXX XXXX XXXX XXXX ) However, Experian later reinserted the same bankruptcy into my credit report without notifying me in writing within five business days and without providing proof of certification from the furnisher verifying its accuracy, as required by the FCRA. 

To date, I have not received any written notice of the reinsertion, nor have I been provided with the name, address, and phone number of the furnisher, or the required explanation of my rights. This is a clear violation of FCRA 1681i ( a ) ( 5 ) ( B ).

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 2025-04-29 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: CA

Complaint narrative:
I am writing to formally document and bring to your attention the issues I have encountered regarding unresolved disputes with the major credit reporting agencies. Despite my repeated efforts to correct inaccuracies on my credit report, the bureaus have failed to properly investigate and delete the erroneous information as required by law. 

Over the past several months, I have sent multiple dispute letters via regular mail to Equifax, Experian, TransUnion. In each letter, I clearly identified the specific accounts and inquiries that I disputed, provided detailed explanations, and included supporting documentation to substantiate my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: CO

Complaint narrative:
There were fraudulent XXXX transactions processed and paid through my checking account with Chime from XXXX. Although when receiving and validating the text messages from the XXXX XXXX that I did not that authorized the transactions and receiving acknowledgement responses from Chime that the transactions would be blocked. However, it wasnt until XX/XX/year> while looking at my checking account balance after responding and noticed that Chime had indeed authorized XXXX XXXX transactions to be processed and paid. Immediately I submitted disputes with the XXXX Department on XX/XX/year> ; Claim ID XXXX {$410.00} ; Dispute on XX/XX/year> ( because the XXXX Department was still allowing the transactions to go through ) on XX/XX/year>, Claim ID XXXX {$27.00} ; Dispute on XX/XX/year> {$28.00}, Claim ID XXXX {$28.00} ( credited back to my account on XX/XX/year> ) and again Dispute on XX/XX/year>, Claim ID XXXX ( credited back to my account on XX/XX/year> ). 

However, Claim ID XXXX ( {$410.00} ) and Claim ID XXXX ( {$27.00} ) both have been denied for reimbursement, on XX/XX/year>, XX/XX/year> and XX/XX/year>, adding that no error occurred. Ive spoken with XXXX to XXXX Dispute supervisors. Submitted the necessary documentation that I had to prove that I was acknowledging that I did not authorize any XXXX transactions. Yet my monies was not refunded! 

I received documentation from Chime XXXX Department explaining their basis on the denial and reviewing the settled XXXX transactions a lot of them were made simultaneously. On XX/XX/year>, because it was determined that all of the transactions were made using my Virtual Chime card, the card was replaced and I replaced my physical card. 

I did not make or authorize any XXXX transactions! And would like to be reimbursed!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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:
In line with the Consumer Financial Protection Bureau ( CFPB ), Regulation V, Senate Bill 5480 13 hard query on my credit report and These following debt ( s ) MUST be removed a total sum {$65000.00} which have impacted my credit report negatively

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: WA

Complaint narrative:
I have made several complaints pertaining to IQ Data trying to collect, and damage my credit, on a debt that is not valid whatsoever. To break it down as simple as possible - IQ Data provided there legal documentation validating debt, to me via mail, after years of trying to obtain it. Once I received this documentation I again have filed complaints. IQ Data provided a lease for a company by the name of XXXX XXXX XXXX XXXX, a previous rental company I rented from prior to XXXX XXXX taking over the buildings, these XXXX companies have XXXX affiliation with each other. I did not have a valid lease even signed with XXXX XXXX. However IQ Data is providing an old lease to me as a way of validating, now upwards of XXXX dollars, supposedly owed to XXXX XXXX, by providing me a lease from a different company. Every time I make a formal complaint they still refuse to even look at nor acknowledge this massive legal oversight and continue to chalk it up to being valid and me, as the consumer, simply not being happy with the outcome. I am unhappy because they are ruining my credit, but beyond that they can't even do the right thing and look at these documents they are sending out, and try to force me into paying for a debt I do not owe. Beyond filing constant complaints I really do not know where else to turn besides an attorney to receive help in combatting such a terribly unethical company. Please Help in ways to combat this - I can't imagine how many other people this is also happening to and IQ Data continues to carry on with these illegal practices. It seems easier to me, for IQ Data, to finally look at their own documents, and explain how they are collecting on a debt owed to XXXX XXXX- but the lease- I attached here right now AND Highlighted, as I realize maybe IQ Data needs help seeing this very clear information- is assigned to AND signed for BY XXXX & XXXX Properties NOT XXXX XXXX. It is pretty simple legality wise, it seems IQ Data would rather spend more time ignoring their own lack of accountability and blame the consumer. Pretty in line with every complaint out there about them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: U.S. BANCORP
State: WI

Complaint narrative:
My credit card was charged for {$460.00} on XX/XX/year> for concert tickets that I ordered. The concert was scheduled for XX/XX/XXXX. The concert was cancelled. My credit card company will not reverse the charge because they feel the terms and conditions of the sale were non refundable, even though I received no goods or services for the charge.

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 2025-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: VA

Complaint narrative:
I am writing with urgent concern regarding the suspension of my Square account and the freezing of all associated funds, including earnings entirely unrelated to a recent transaction dispute. This action is severely disrupting my business operations and jeopardizing client relationships. I am requesting immediate executive-level review and resolution. 

Background : I recently fulfilled a multi-day catering contract from XX/XX/year> for XXXX XXXX XXXX, Vice Chair of XXXX XXXX XXXX. The engagement was expanded by the client to include additional guests, upgraded menu options, service staff, and tableware. The final invoice totaled {$13000.00}, broken down as follows : Original proposal : {$8700.00} Adjusted base : {$8400.00} Guest/service increases : + {$3600.00} Final total : {$13000.00} I have complete documentationcontracts, communications, invoicesfor all charges. 

Payment Processing Failures : The client attempted to use a company XXXX XXXX card for both the deposit and final payment, but Square declined both attempts, even after confirming there were no technical issues. The client 's bank indicated that transactions were visible on their end, implying the issue lay with Square. Ultimately, he was forced to use a personal credit card for both payments and is now seeking internal reimbursement. 

Critical Issue : Account Suspension and Fund Freeze After delivering this large and legitimate contract, I was shocked to find my Square account suddenly suspended, and all funds frozen for a period of 90 daysincluding payments unrelated to this client or event. This is not only disproportionate but also infeasible for my business to survive. 

I am a verified small business owner in good standing, with a clean transaction history and a growing clientele. Holding all my working capital for three months, without formal explanation or access to a direct compliance representative, threatens my ability to : Pay staff and vendors Fulfill active and future client orders Maintain professional credibility Request : Immediate review of this account suspension and fund freeze Direct access to a senior compliance officer or resolution specialist A release or partial release of unrelated funds while any investigation continues I am prepared to provide any additional documentation immediately and have already contacted Squares general support, but I believe this situation now requires higher-level intervention. 

Please confirm receipt and advise on next steps. I sincerely appreciate your attention and timely support on this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CLGF Holdco 1, LLC
State: AZ

Complaint narrative:
I applied reluctantly through XXXX XXXX for an offer the specifically said " with a higher limit '' for the card offer. I was never advised on the credit limit until XXXX hours later when I created an online account. I immediately called after seeing a {$500.00} credit limit on the card I was approved for to respectfully decline the offer I understand that I applied for this card, but I believe it to be under false pretense or false advertising. I was informed that the company could not remove the hard inquiry I endured alongside with cancelling the card before I received the card and or activated the card/account. I would like the inquiry removed and the card cancelled as it seems to be an account with false misleading promises. The screenshots attached are after the account was already approved and does not include any additional promises provided by XXXX XXXX and the said card company..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On my credit report I found discrepancy regarding late payments for XX/XX/year>. I made timely payments to XXXX, account # XXXX * * * * in the month of XX/XX/year>. I request these late payments be investigated and updated to reflect the true status.

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 2025-04-29 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( mo ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX  acct # XXXX, XXXX XXXX XXXXXXXX acct # XXXX, XXXX XXXX XXXX XXXXXXXX acct XXXX XXXX, XXXX XXXX  acct # XXXX, XXXX  acct # XXXX, XXXX XXXX XXXXXXXX acct XXXX XXXX, XXXX XXXX XXXX acct 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 2025-04-29 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( mo ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX  acct # XXXX, XXXX XXXX XXXXXXXX acct # XXXX, XXXX XXXX XXXX XXXXXXXX acct XXXX XXXX, XXXX XXXX  acct # XXXX, XXXX  acct # XXXX, XXXX XXXX XXXXXXXX acct XXXX XXXX, XXXX XXXX XXXX acct XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I am writing to formally dispute the reporting of an auto loan account on my credit report, which I believe is inaccurate and in violation of New York XXXX law. The account in question is listed as : Creditor Name : Santander Account Number : XXXX According to New York XXXX XXXX XXXX and Rules XXXX, the statute of limitations for written contracts, including auto loans, is XXXX years. However, under N.YXXXX XXXX XXXX ( XXXX ), if the debt is based on a retail installment contract or an auto loan that is considered a consumer credit transaction, the applicable statute of limitations is XXXX years from the date of default. 

This account is beyond the three-year statute of limitations for collection and should not be reported in a manner that implies it is currently due or enforceable. I request that you investigate this matter and remove or correct any information regarding this account that is inaccurate or misleading. 

Please complete your investigation within the XXXX period required by the Fair Credit Reporting Act ( XXXX  ), and provide me with the results of your findings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: TX

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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.

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 2025-04-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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:
I do not have a contract nor did I authorize the company to obtain my information for the list of accounts below. My rights to privacy were violated under the FDCPA and FCRA. 

Account name : XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX # XXXX, XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX XXXX has violated my rights.

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 2025-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I continue receiving calls, text and emails from Synchrony stating I owe and have a balance on an account that was closed by them. Theyre stating I missed a payment but Im not really sure why there is a balance this account was closed in XXXX by them and I paid off the balance. I am not sure if this is a scam or identify theft as there no way I have used the closed account. I have submitted a complaint about then prior as PayPal is sharing information and my case was closed and dismissed. This is why the companies continue to get away with it. I am not sure how there can be a balance and I owe them now on XXXX? The account closed as of XX/XX/XXXX. Payments were made in full by XXXX. I since have a new account with them but that is the balance is different and paid on time as well as the account number is different.

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