vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Chime Financial Inc
State: AL

Complaint narrative:
I did have anything on the card I lost it or threw it away because it was not no good anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-08-12 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:
Its really upsetting that unauthorized inquiries are still listed on my credit report today. I have no idea why this is happening. I even refreshed my browser to rule out a technical error, but the inquiries stayed. I urgently ask that the documents I sent be thoroughly examined to prevent this problem from recurring.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: OK

Complaint narrative:
This is not a duplicate complaint. This is a follow-up based on XXXX XXXX continued noncompliance after CFPB review in case # XXXX. 

In the prior complaint, XXXX XXXX responded only with generic promissory notes and self-certification forms. In my feedback, I documented that these are boilerplate origination documents and do not satisfy their duties under FCRA 611 and 623 ( b ). They failed to : ( 1 ) conduct a reasonable investigation of my specific dispute, ( 2 ) review all relevant account-level records, and ( 3 ) delete or correct unverifiable data. 

They have not provided : Disbursement ledgers showing dates, amounts, and payees ; Servicing history including deferments, forbearances, hardship requests, and default date calculations ; Collection activity logs ; Proof of when my tradelines were first marked disputed. 

XXXX XXXX continued furnishing of disputed, unverifiable information violates FCRA 623 ( a ) ( 1 ) and 623 ( a ) ( 3 ). This is a new compliance failure that occurred after the CFPB closed the prior case and constitutes ongoing harm to my creditworthiness. 

I request the CFPB require XXXX XXXX to produce full account-level documentation supporting each disputed tradeline or delete the tradelines from all CRAs.

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 2025-08-12 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: EQUIFAX, INC.
State: OK

Complaint narrative:
This is not a duplicate complaint. This is a follow-up based on XXXX XXXX continued noncompliance after CFPB review in case # XXXX. 

In the prior complaint, XXXX XXXX responded only with generic promissory notes and self-certification forms. In my feedback, I documented that these are boilerplate origination documents and do not satisfy their duties under FCRA 611 and 623 ( b ). They failed to : ( 1 ) conduct a reasonable investigation of my specific dispute, ( 2 ) review all relevant account-level records, and ( 3 ) delete or correct unverifiable data. 

They have not provided : Disbursement ledgers showing dates, amounts, and payees ; Servicing history including deferments, forbearances, hardship requests, and default date calculations ; Collection activity logs ; Proof of when my tradelines were first marked disputed. 

XXXX XXXX continued furnishing of disputed, unverifiable information violates FCRA 623 ( a ) ( 1 ) and 623 ( a ) ( 3 ). This is a new compliance failure that occurred after the CFPB closed the prior case and constitutes ongoing harm to my creditworthiness. 

I request the CFPB require XXXX XXXX to produce full account-level documentation supporting each disputed tradeline or delete the tradelines from all CRAs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: OK

Complaint narrative:
This is not a duplicate complaint. This is a follow-up based on XXXX XXXX continued noncompliance after CFPB review in case # XXXX. 

In the prior complaint, XXXX XXXX responded only with generic promissory notes and self-certification forms. In my feedback, I documented that these are boilerplate origination documents and do not satisfy their duties under FCRA 611 and 623 ( b ). They failed to : ( 1 ) conduct a reasonable investigation of my specific dispute, ( 2 ) review all relevant account-level records, and ( 3 ) delete or correct unverifiable data. 

They have not provided : Disbursement ledgers showing dates, amounts, and payees ; Servicing history including deferments, forbearances, hardship requests, and default date calculations ; Collection activity logs ; Proof of when my tradelines were first marked disputed. 

XXXX XXXX continued furnishing of disputed, unverifiable information violates FCRA 623 ( a ) ( 1 ) and 623 ( a ) ( 3 ). This is a new compliance failure that occurred after the CFPB closed the prior case and constitutes ongoing harm to my creditworthiness. 

I request the CFPB require XXXX XXXX to produce full account-level documentation supporting each disputed tradeline or delete the tradelines from all CRAs.

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 2025-08-12 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXXXXXX Account # : XXXX XXXX  Account # : XXXXXXXX XXXX  Account # : XXXX XXXX  Account # : XXXX XXXX Account # : XXXX XXXX  XXXX Account # : XXXXXXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX  Account # : XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-08-12 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: FL

Complaint narrative:
This follow-up complaint represents my formal dispute regarding inaccurate and unauthorized information appearing in my credit file. Under FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), a person or entity may only obtain or access a consumer report if they have a permissible purpose as defined by law. Any access or furnishing of my credit information without such purpose is unauthorized and constitutes a violation of federal law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-08-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Block, Inc.
State: UT

Complaint narrative:
On XX/XX/2025, I accepted a Square Capital loan for {$43000.00} with a flat fee of {$6900.00} ( Location ID : XXXX ). The agreement set a repayment rate of XXXX XXXX  of my gross payment card processing amount each day. 

Repayment began on XX/XX/2025. In the XXXX XXXX weeks, over {$4000.00} was withdrawn. At this pace, the loan will be repaid in approximately XXXX months far faster than I calculated based on the agreement and with a significant negative impact on my cash flow.

The acceleration is due to Square applying the repayment rate to amounts that include sales tax ( XXXX XXXX ) and customer tips ( XXXX % ), neither of which is business revenue. These funds are legally owed to the state or to employees and are never retained by the business. Including them increases the effective repayment rate on actual revenue to about XXXX XXXX, more than XXXX percentage points higher than the stated rate. 

The loan agreement does not clearly disclose that sales tax and tips are included in the repayment base. This omission is material because it significantly changes repayment speed, the effective cost of the loan, and our ability to meet payroll and tax obligations. 

On XX/XX/2025, I contacted Squares Loan Escalations team. I received XXXX reply from XXXX XXXX stating : We do not exclude tips from payments made on your businesss loan. Instead, a fixed percentage of your businesss daily credit card sales, including tax and tips, is applied toward repayment of your Square Loan. This confirms the practice is known internally but omitted from the agreement. I responded, but I have not received any further correspondence or resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: CO

Complaint narrative:
On XX/XX/year>, Experian opened a new reinvestigation of my XXXX account without my authorization and flagged the account as under dispute. Instead of removing the tradeline, they altered it by adding the special comment Affected by natural or declared disaster ( AW ). I never requested disaster relief, never qualified for it, and have never been in a FEMA-declared disaster zone. This false remark appeared immediately after I refused to deal with a collection agency about this account, strongly suggesting it was done to disguise derogatory reporting and influence how the account appears to creditors rather than delete it. 

Both Experian and XXXX  now show this same false natural disaster remark. Experians current reporting shows XX/XX/year> as 90 days late, includes the natural disaster remark, and lists the reinvestigation date of XX/XX/year>. XXXX most recent update, also on XX/XX/year>, shows the natural disaster remark but does not list a XXXXspecific late mark, instead carrying forward an older XXXX day status. XXXX  has already deleted the tradeline entirely. 

These contradictions prove the account can not be reported accurately and is being manipulated. The natural disaster code is false, misleading, and appears to be a coordinated cover-up tactic potentially to make it seem as though the account is in forbearance or hardship when it is not. The payment history is also internally inconsistent, showing my last payment as XX/XX/year>, while marking XXXX as on-time. The account has not been updated to any accurate final status such as charge-off or transfer. 

This is at least the third or fourth time I have experienced retaliatory or manipulative changes to this tradeline. The repeated post-dispute alterations, false hardship coding, and conflicting data between bureaus show that this tradeline is inherently unreliable and should not be reported in any form. The only fair outcome is full and permanent deletion from all credit bureaus.

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 2025-08-12 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: CO

Complaint narrative:
On XX/XX/year>, XXXX  opened a new reinvestigation of my XXXX account without my authorization and flagged the account as under dispute. Instead of removing the tradeline, they altered it by adding the special comment Affected by natural or declared disaster ( AW ). I never requested disaster relief, never qualified for it, and have never been in a FEMA-declared disaster zone. This false remark appeared immediately after I refused to deal with a collection agency about this account, strongly suggesting it was done to disguise derogatory reporting and influence how the account appears to creditors rather than delete it. 

Both XXXX  and TransUnion now show this same false natural disaster remark. XXXX  current reporting shows XX/XX/year> as 90 days late, includes the natural disaster remark, and lists the reinvestigation date of XX/XX/year>. TransUnions most recent update, also on XX/XX/year>, shows the natural disaster remark but does not list a XXXX late mark, instead carrying forward an older 90119 day status. XXXX  has already deleted the tradeline entirely. 

These contradictions prove the account can not be reported accurately and is being manipulated. The natural disaster code is false, misleading, and appears to be a coordinated cover-up tactic potentially to make it seem as though the account is in forbearance or hardship when it is not. The payment history is also internally inconsistent, showing my last payment as XX/XX/year>, while marking XXXX as on-time. The account has not been updated to any accurate final status such as charge-off or transfer. 

This is at least the third or fourth time I have experienced retaliatory or manipulative changes to this tradeline. The repeated post-dispute alterations, false hardship coding, and conflicting data between bureaus show that this tradeline is inherently unreliable and should not be reported in any form. The only fair outcome is full and permanent deletion from all credit bureaus.

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 2025-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lien Enforcement Inc
State: CA

Complaint narrative:
On XXXX XXXX, I surrendered my vehicle to XXXX XXXX for them to sale the vehicle to get their {$600.00} from putting the vehicle on auction. On XX/XX/year>, I completed the Notice of Transfer and Release of Liability. From my Knowledge, the vehicle has been sold to someone in XXXX. I was sent a letter and sent them copies of forms indicating that the vehicle has not been in my posession nor mine as well. The new owner has to complete their title transfer to have the vehicle under their name. I have gotten two letters from Lien Enforcement , Inc. with different amount dues. I also did research on their number and location, they come back as scams, same phone number but different stories for others. I will not pay anything that I do not owe. Their first letter gave me a date to which respond to before and I did not and my credit was not affected so that just added that they could be scamming me and trying to get money from people through the mail or their other forms of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
XXXX - XX/XX/XXXX : Wells Fargo granted the mortgagor forbearance due to the COVID-19 pandemic. XXXX subsequently honored and extended this forbearance, as confirmed by an email dated XX/XX/XXXX ( attached as 'forebearance.pdf ' ). 

XX/XX/XXXX : Upon exiting forbearance, XXXX instructed the mortgagor to apply for a mortgage loan modification. The mortgagor was approved for this modification and directed by XXXX to make three payments ( attached as XXXX ' ), which were duly made, completing the requirements for the modification. 

Subsequent Months : Following completion of the modification requirements, XXXX ceased communication, failed to send final modification documents, and subsequently initiated foreclosure proceedings on a property the mortgagor had consistently paid on for nearly 20 years. ''

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 2025-08-12 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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-08-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me XXXX  XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief