vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as XXXX XXXX and the FCRA standards of reporting. 

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 

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 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

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 2025-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: M1 Holdings Inc.
State: FL

Complaint narrative:
On XX/XX/year>, at approximately XXXXXXXX XXXX  I submitted a wire transfer request for {$6600.00} through my M1 Finance account. The funds were available and cleared at the time of the request. 

After submitting the request, I contacted M1 Finance support and was told the matter had been escalated to their internal team to ensure the wire would be sent out that same day. I was explicitly assured that the wire was already being worked on. These same assurances were repeated in subsequent follow-ups on XX/XX/XXXX. Despite this, as of XX/XX/XXXX, no action has been taken, and the wire has still not been sent. 

I have made multiple requests to speak with a supervisor or someone from their leadership team, and these requests have been denied or ignored each time. Ive now spent nearly 48 hours trying to resolve this through M1s internal channels, and their support team has made it clear that they do not intend to take further action on the wire transfer request. 

As a result of this delay, I have incurred several thousand dollars in financial damages and lost opportunities, as the funds were needed urgently. Because of their failure to act, I am now forced to move funds through a completely different account and method, which introduces even more delays and additional costs. 

Furthermore, M1 Finance has not provided any written correspondence, explanation, or justification for the delay in processing my wire transfer. Despite multiple requests and follow-ups, I have not received a single message through email, the app, or secure messaging that explains why the transfer has not been completed or what is causing the hold-up. This complete lack of documentation or transparency only adds to the frustration and further undermines confidence in their ability to handle client funds responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : 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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have recently discovered fraudulent accounts on my credit report due to a data breach. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXlease delete and block the following accounts from my credit report Accounts XXXXXXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$160.00} XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$17000.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$700.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$700.00} XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$300.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: MD

Complaint narrative:
On XX/XX/year>, I placed an order with XXXX totaling approximately {$170.00} using my Chime XXXX XXXX card. The following day, XX/XX/XXXX, I received two packages containing vitamins and phone chargers. A third item XXXX XXXX XXXX  XXXX XXXX valued at approximately {$140.00} including taxes was scheduled to arrive that day as well but never did. 
It appears that the package was either misdelivered or stolen. I immediately contacted XXXX, and they advised me to wait XXXX hours. During that time, I spoke with my apartment leasing office and neighbors, but the package was not located. 
XXXX requested identity verification to process a refund. I submitted my ID XXXX times without any resolution. Frustrated, I filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. A representative from XXXX XXXX  department, XXXX, reviewed the case and acknowledged that the XXXX XXXX XXXX were likely delivered to the wrong address, as shown by delivery photos taken on different days. The delivery photo for the missing item clearly depicts a different location than the first XXXX packages I successfully received. 
Despite this, XXXX refused to issue a refund and claimed I violated some policy yet my XXXX account remains open and unrestricted. With no resolution from XXXX, I contacted Chime on XX/XX/XXXX to dispute the charge. Chime initially ruled in favor of XXXX, stating that the merchant did nothing wrong. 
I requested copies of the documents XXXX submitted to Chime and found they only included general delivery information and return policy language. I continued to engage with both XXXX and Chime and on XX/XX/XXXX, Chime agreed to reopen the dispute. However, by the time the second investigation concluded which took XXXX to XXXX business days XXXX claimed the window for issuing a refund had closed. 
Throughout this process, I continued providing updated evidence to both XXXX and Chime. Yet Chime denied the dispute again on XX/XX/year>, claiming there was no merchant error. They did so despite Amazons own statements to the XXXX  confirming that the package was misdelivered. Chime continues to reject my claim without fully reviewing the evidence I have submitted, and I have never been given the opportunity to speak directly with the dispute analyst handling my case XXXX continues to submit the same evidence and I submit strong evidence for my case. 
At this point, I believe both XXXX and Chime have failed in their responsibilities. XXXX has admitted the item was misdelivered but refuses to refund me, and Chime has refused to conduct a fair, thorough investigation. I am seeking CFPB assistance in holding both companies accountable and recovering the I paid for the missing package XXXXXXXX XXXX XXXX XXXX XXXX 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am deeply concerned that several unauthorized entities have accessed my credit report without my explicit consent, leading to a decline in both my credit rating and financial reputation. Although I previously contacted the credit reporting agency and was assured that these inquiries would be removed, they continue to persist. The presence of these potentially fraudulent inquiries raises serious concerns about identity theft and has caused considerable emotional and financial distress.

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 2025-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On Wed XXXX XXXX was unable to make a purchase of {$820.00} from XXXX XXXX XXXX, I called the XXXX - XXXX - XXXX - XXXX, XXXX XXXX XXXX Card by Synchrony Bank after being issued a fraud alert feature by phone, while speaking with the representative on the phone, I was notified that since I couldn't complete the verification link that they had sent to me, my card would be frozen and I wouldn't be able to use it until I receive a confirmation letter by mail in XXXX to XXXX buisness days, also that the various reoccurring payments I have linked to the card won't be paid within that time petiod, after speaking with another representative at or around XXXX I was able to have a chance to complete the verification link and was provided with an confirmation number XXXX, on Fri XXXX XXXX at or around XXXX a payment attempt of {$580.00} was declined I received no fraud alert by text, phone call or email, I received no explanation after speaking with representatives at XXXX and at or around XXXX around this time, I was put on on old for more than XXXX minutes after asking to speak with a Supervisor, I was also told that the verification link couldn't be mailed or emailed, or text to remove the fraud hold on my card, I've made a transactions like {$3800.00} with XXXX XXXX XXXX XXXX XXXX XXXX without issue, on XX/XX/year> I made a payment of {$4000.00} to the XXXX XXXX XXXX Card issued by Synchrony Bank prior to completely being limited to only being able to discuss issues concerning this matter with people from the country of XXXX I never had to go threw this type of treatment, and being restricted from using the card because I'm being identified by those from the country of XXXX as a criminal because I'm XXXX XXXX, based on the impression I've received from the representatives from the country of XXXX, proof of my early and on time payments and other ( NON - CRIMINAL ) activity will be provided in the upload feature.

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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: FL

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 2025-05-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: VA

Complaint narrative:
I am seeking Public Service Loan Forgiveness ( PSLF ), which requires 10 years of public service employment and the payment of 120 qualifying payments. I have been employed in a qualifying state government position for over 10 years and have made 122 qualifying payments. Despite having completed all necessary requirements to receive forgiveness, FSA and XXXX have continually failed to update my payment history and my payment count remains at XXXX. My payment history is missing qualifying payments from XXXX, XXXX, and XX/XX/year>. I have made countless calls to both FSA and XXXX, but to no avail. No one at either FSA nor XXXX can provide me with any reason as to why my payment data has not updated and continually point the finger at one another. As a result, I am having to continue making monthly payments and the overall balance of my loans continues to rise. I have met my end of the PSLF bargain and expect them to do the same.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-30 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: AR

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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TransUnion is reporting inaccurate information on my credit report, specifically a bankruptcy that I am disputing. I submitted a formal dispute requesting verification of this account under the Fair Credit Reporting Act ( FCRA ), but TransUnion failed to provide any documentation showing how the bankruptcy was verified. They did not share the method of verification, the source of the information, or any supporting evidence. This violates my rights under the FCRA, and I am requesting that the Consumer Financial Protection Bureau investigate this matter and ensure the inaccurate information is removed or properly 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 non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ).

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 2025-05-30 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 just want to be clearthis complaint is not a misunderstanding. There are real errors in my credit report, and they're not even close to being fully accurate. These mistakes are taking a heavy toll on me, more than you might imagine. Fixing or removing them would be a huge help during what's already been a very tough time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
* PLEASE SEE ATTACHED RELATING TO Consumer Financial Protection Bureau, PLAINTIFF Equifax Inc. and Equifax Information Services LLC, DEFENDENT ADMINISTRATIVE PROCEEDING File No. XXXX SPECIAL ATTENTION TO THE FOLLOWING PARTIES XXXX XXXX, XXXX  XXXX XXXX XXXX. XXXX ( Application for Pro Hac Vice Admission Pending ) email : XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX, XXXX XXXX  XXXX DC XXXX Phone : XXXX Fax : ( XXXX ) XXXX XXXX XXXX, XXXX. XXXX XXXX. XXXX Email : XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX, Suite XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Attorneys for Plaintiff Consumer Financial Protection Bureau

Company response to consumer: Closed with non-monetary relief