vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-17 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:
Equifax Consumer Name : XXXX XXXX Consumer SSN : XXXX Consumer DOB : XX/XX/XXXX Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : FRAUDULENT INQUIRIES : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( REMOVE IMMEDIATELY ). These items have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer FICO Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Experian Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : XXXX Attached below are supporting documents -A Letter formally detailing the information of my dispute and stating consumer laws -A Fraud Affidavit -Copy of US Issued ID XXXX Proof of Identity ) -Copy of SSN -FTC ( Federal Trade Commission ) Identity Theft Report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX ( XXXX ) XXXX Date : [ XX/XX/XXXX ] To : Equifax P.O. Box XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate Late Payment Reporting Violation of the Fair Credit Reporting Act ( FCRA ) Dear Credit Bureau Representatives, I am writing to formally dispute inaccurate late payment reporting related to the following account listed on my credit report : Creditor Name : XXXX XXXX ( XXXX XXXX ) Account Opened : XX/XX/XXXX Upon reviewing my credit file, I noticed that several months in XXXX are being inaccurately reported as late payments. These derogatory marks are completely false and do not reflect my payment history. My account has been in good standing with no missed payments, and/or was in a paused or deferment status which should not legally be reported as delinquent.

Under the Fair Credit Reporting Act, the following applies : 15 U.S.C. 1681s-2 : Information furnishers ( like XXXX XXXX XXXX must ensure the accuracy and integrity of data provided to the credit reporting agencies. False reporting of missed payments violates this statute.

15 U.S.C. 1681i : Upon receiving a consumer dispute, the credit reporting agencies are required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.

15 U.S.C. 1681i ( a ) ( 5 ) : If the disputed data can not be verified, it must be deleted or corrected within 30 days.

Additionally, if my account was in a status such as deferment, hardship, or forbearance during the months reported as delinquent, reporting missed payments would violate CFPB guidance and further demonstrate noncompliance with federal protections.

Months in Dispute ( inaccurately reported as late ) : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These entries are harming my credit profile and impeding my financial opportunities. If not corrected, I reserve the right to pursue legal recourse for damages under 15 U.S.C. 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ) of the FCRA.

I request an immediate reinvestigation of this matter and correction of the payment history to show a 100 % on-time record, as is factually accurate. I also request an updated copy of my credit report reflecting these corrections. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
Complaint Regarding Denied Disputes and Ongoing Fraudulent Activity on Chime Account I am submitting a complaint regarding multiple unauthorized transactions that occurred on my Chime account. I have disputed these transactions following Chimes protocol, but many of them have been denied without adequate explanation or resolution. 


Summary of Transactions Disputed Over the course of several weeks, I disputed 15 unauthorized transactions, all of which were ATM withdrawals or XXXX XXXX XXXXransactions that I did not authorize. I received denial notices for many of these disputes even though the withdrawals occurred at odd hours and locations inconsistent with my behavior and without my consent. 



Details of Denied Disputes Dispute # XXXX Denied on Tuesday, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} ATM Withdrawal XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Additional Entry ) ATM Withdrawal XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Denied on Monday, XX/XX/XXXX ATM Withdrawal XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Additional Entry ) ATM Withdrawal XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Filed on Saturday, XX/XX/XXXX Currently being investigated. 

Disputed Transactions : ATM Withdrawal XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX  Transactions ( XXXX XXXX ) on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$50.00} Actions I Took I promptly reported every suspicious transaction to Chime once I identified them. 
I filed formal disputes following the proper process and in a timely manner. 
I cooperated fully with the dispute process, yet several cases were closed with a denial and without a detailed explanation or supporting evidence. 
I am now submitting this complaint because I have not received the protection afforded to me under the Electronic Fund Transfer Act ( Regulation E ).

Requested Resolution A full refund of all disputed transactions totaling {$2200.00} ( This includes both denied and currently pending disputes. ) A detailed explanation from Chime as to why each dispute was denied.

A review of my account security, including the issuance of a new card/account number and support for enhanced protection going forward. 
Reimbursement of any related fees ( e.g., overdraft, returned payment, or denial-related fees ). 



Why This Matters The transactions occurred during times when I was not using my account and are not consistent with my spending behavior. 
I never authorized any of these ATM withdrawals or XXXX XXXX payments. 
Chime has an obligation under federal law to protect consumers from unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: Atlanticus Services Corporation
State: TX

Complaint narrative:
I have never heard of XXXX but my credit & emails are stating that I have a credit card with them. Only credit card I have & applied for is a XXXXXXXX XXXX  credit card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-18 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: AR

Complaint narrative:
XXXX is manipulating my XXXX score recently accepted a XXXX  XXXX XXXX {$6500.00} line Of Credit my first cycle and XXXX I paid the Statement balance off XXXX percent over XXXX dollars from my checking witch is as well sister company next day money was successfully recieved by XXXX XXXX XXXX this was clear on the XXXX it is now the XXXX and XXXX  refuses to recognize=e and or adjust my available credit, also that issu=ed card then only in XXXX month they dropped my voco score XXXX points and the reason for this STANDARD PRACTICES settle out of court for only one reason NOT CHANGING THERE UNFAIR INCORRECT INFORMATION AS WELL MONOPOLIZING THE BANKING INDUSTRY

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 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally request the Consumer Financial Protection Bureaus assistance in resolving an ongoing issue with TransUnion regarding a collection account that does not belong to me. 
On XX/XX/year>, I sent a written dispute to TransUnion, asking them to provide proof of my signature or any documentation verifying that the collection account in question is mine. I also contacted the creditor directly to request verification of the account. The creditor was unable or unwilling to explain how the account was being verified, and when I informed them the call was being recorded, the representative ended the conversation. 
On XX/XX/year>, TransUnion emailed me stating they were waiting for a response from the creditor. On XX/XX/year>, I received a letter from TransUnion acknowledging my dispute but failing to provide the requested proof or documentation. Despite my repeated requests, TransUnion has not provided any evidence that this account belongs to me, and the collection account remains on my credit report. 
I have made multiple good-faith attempts to resolve this matter directly with both TransUnion and the creditor, but neither has provided the required verification as outlined in the Fair Credit Reporting Act ( FCRA ). I am now requesting the CFPBs assistance to have this unverified and inaccurate collection account removed from my TransUnion credit report.

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 2025-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint against cash app ( Block .inc ) Due to inadequate customer service and unfair practices which violate the consumer financial protection act ( CFPA ). Specifically cash app failed to take timely and effective measures to prevent and address fraud on thier platform leaving my account vulnerable and unprotected. These actions have caused significant inconvenience and financial lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am filing a complaint regarding Chase Banks unexpected closure of my account ending in XXXX without a proper explanation or an opportunity to resolve any concerns. Despite multiple attempts to get clarity from Chase, I have not been given a satisfactory response. This has severely impacted my financial stability. I am seeking help obtaining a fair review and resolution from Chase Bank. 

Contact info : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: TX

Complaint narrative:
To Whom It May Concern, This letter serves as my fifth formal dispute regarding the continued inaccurate and unverified reporting of several accounts on my credit file. Despite multiple disputes, you have failed to fully investigate or properly verify the following accounts, which is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
The following accounts are being reported inaccurately and must be removed : 1. XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, with a charge-off status and a high balance of {$580.00}. You have failed to provide proper verification or documentation from the original creditor, as required under FCRA 611 ( a ) ( 7 ). Additionally, no " method of verification '' has been disclosed, in violation of FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

2. XXXX XXXX XXXX You are reporting multiple accounts under this creditor with varying open dates, balances, and payment histories. These include accounts opened on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These accounts reflect inconsistent data and potentially duplicate entries, which misrepresents my credit profile. Continued inaccurate or duplicated reporting is a violation of FCRA 607 ( b ) and FCRA 602 ( A ).

These accounts have never been properly validated, nor have I been provided with documentation from the data furnishers confirming the accuracy and completeness of the reported information. I remind you that according to FCRA 611 ( a ), you are obligated to conduct a reasonable reinvestigation and remove or correct any information that can not be verified.

Furthermore, under 15 U.S. Code 1681n and 1681o, willful or negligent noncompliance with the FCRA may result in legal liability. You are now on notice. If these unverified and inaccurate accounts are not deleted within 15 calendar days, I will be forced to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. I will also consider seeking legal remedies under federal law.

This is a final courtesy before legal action is taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: AZ

Complaint narrative:
Discover refuses to give me digital access to the terms and conditions of my own credit card. I spoke with two different representatives who both confirmed that the only way to receive these terms is to wait 710 business days for a physical paper copy to arrive by mail. In the year 2025, this is not just unacceptable, its an intentional act of harm.

Im trying to understand how interest and fees are applied so I can manage my debt responsibly. The issue isnt that I cant read paper, its that theyve made it as difficult as possible to use that paper in any practical, functional way. If I want help breaking down their intentionally convoluted legal language using online tools, Im forced to manually scan and upload or type out chunks of the document just to make sense of it. This is not a mistake. This is by design. 

If Discover can print the document, it already exists as a digital PDF. Someone is clicking " print '' on a file. So why are customers not allowed to receive that file digitally? Because they do not want us to understand what were signing up for. The harder it is to read the fine print, the easier it is for them to profit off confusion, missed details, and mounting interest. 

This is not customer service. It is predatory behavior rooted in greed and hidden behind corporate policy. It is calculated, systemic exploitation. They benefit when customers are in the dark, overwhelmed, and financially trapped and this document access policy is just one of the many ways they enforce that.

This isnt simply outdated. Nor an oversight. Its evil. And it should be illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc.
State: OK

Complaint narrative:
If you XXXX GM Financial final payment auto draft scam, youll get an AI response that describes this perfectly, and is a probably across the country.

I had an autopay set up and made 35 payments automatically and on time. I had NO IDEA that GM Financial wouldnt draft the final auto payment, for some XXXX  XXXX reason. After I was a week late of making the payment, they called. They told me they wouldnt autodraft it, and I would have to go onto the app and make the final payment. 

Well I tried that and it kept rejecting it - at least 10 times. I called them and they told me that there was no reason that it was rejecting the final payment. I said No XXXX  \ \\\\\\\duh. 

So here we are, and Im unable to make the final payment on my truck, and the GM last payment scam continues. It is a problem everywhere and they should be stopped. There are cases where peoples credit has been ruined and they didnt even know it. For no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: WA

Complaint narrative:
Equifax repeatedly ignores disputes, demands redundant ID proof, and fails to correct inaccuracies on my report ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ). 

Violates numerous FCRA laws. Request immediate deletions You will see with the attachments that Equifax repeatedly sends the same postal mail to an address that's already verified. This is proof that this company ignores my dispute requests, and choses to have negative and erroneous accounts remain furnished on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: MI

Complaint narrative:
Remove all inaccurate accounts and account information from my personal credit reports. Remove all reinserted accounts which did not provide the 5 day notice prior to reinsertion.

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 2025-05-18 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: MI

Complaint narrative:
Remove all inaccurate accounts and account information from my personal credit reports. Remove all reinserted accounts which did not provide the 5 day notice prior to reinsertion.

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 2025-05-18 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: FL

Complaint narrative:
Date : XX/XX/XXXX Subject : Dispute of Unauthorized Inquiries Request for Deletion Under FCRA Hello, I am writing to formally dispute certain unauthorized inquiries listed on my Experian credit report. I did not authorize these inquiries, nor do I have a business relationship with the companies listed below. Under FCRA 604 ( a ), a consumer reporting agency may only provide a report to a party with a valid permissible purpose. Without such authorization, these inquiries violate my rights under the Fair Credit Reporting Act. 
I am requesting an investigation and removal of the following unauthorized inquiries : XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX These inquiries were not initiated or approved by me and may negatively impact my credit profile. I request you to : Conduct a thorough investigation of each inquiry listed Remove all unauthorized inquiries Provide written confirmation of the results under FCRA 611 Copy of my credit report with disputed inquiries highlighted Thank you for your prompt assistance.

Company response to consumer: Closed with explanation