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 — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have submitted multiple disputes to the credit bureaus regarding incorrect account information, but the errors remain uncorrected after an extended period. As an active-duty servicemember currently in the process of purchasing a home, these inaccuracies are causing significant harm to my ability to qualify for a mortgage. 

Specific issues include : Incorrect personal information listed on my report, including a previous address. 
One account is reported as delinquent by one bureau but as paid by others ; the balance, dates of last activity, and late payments are inaccurate. 
Another account shows inaccurate late fees on an open account. 
An accounts status is reported inconsistently across bureaus, with wrong balances and activity dates. 
Several accounts have incorrect dates, late fees, or activity statuses reported. 
One accounts errors have been corrected by some bureaus but remain inaccurate with others. 
Despite clear factual disputes and documentation, the credit reporting agencies and furnishers have not corrected these errors. I request immediate reinvestigation and correction under the Fair Credit Reporting Act and Servicemembers Civil Relief Act.

Company response to consumer: Closed with non-monetary relief
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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have submitted multiple disputes to the credit bureaus regarding incorrect account information, but the errors remain uncorrected after an extended period. As an active-duty servicemember currently in the process of purchasing a home, these inaccuracies are causing significant harm to my ability to qualify for a mortgage. 

Specific issues include : Incorrect personal information listed on my report, including a previous address. 
One account is reported as delinquent by one bureau but as paid by others ; the balance, dates of last activity, and late payments are inaccurate. 
Another account shows inaccurate late fees on an open account. 
An accounts status is reported inconsistently across bureaus, with wrong balances and activity dates. 
Several accounts have incorrect dates, late fees, or activity statuses reported. 
One accounts errors have been corrected by some bureaus but remain inaccurate with others. 
Despite clear factual disputes and documentation, the credit reporting agencies and furnishers have not corrected these errors. I request immediate reinvestigation and correction under the Fair Credit Reporting Act and Servicemembers Civil Relief Act.

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 2025-05-17 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/XXXX, my credit card was charged for 3 fraudulent charges of XXXX which is XXXX. It was charged from a company called XXXX which I have never heard of.I received nothing no merchandise or anything. I do not have a receipt. The company charged my card without my knowledge and I noticed it when I looked on my online banking statement. I called on XX/XX/XXXX and filed a claim with chime. They told me it should not be a problem getting my money back. I told them the same thing. Today is XX/XX/XXXX, I got a notice from chime that they denied my claim. 
I called them back today XX/XX/XXXX, talked to a representative said they would reopen my claim. They need receipts and things which I do not have since they are fraudulent charges. I told them I really need that money back. I was told I was phished by someone when I filed the claim. It was a scam.

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 — Reporting company used your report improperly
Company: McCarthy, Burgess & Wolff, Inc.
State: TX

Complaint narrative:
MBW '' s I have tried over and over for information XXXX XXXX will not comply Disputed with them personaly, CFPB, FTC, Office of Comptroller now that your in the game I request the information { complete information } on this account per my pdf. PLEASE RESPOND through the cfpb

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: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: MN

Complaint narrative:
Received an unsolicited debit card in the mail and request to set up direct deposit to a bank I have never heard of.

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: MI

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against [ XXXX ] regarding a violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ) and to request that my student loan ( s ) be removed or discharged based on this violation.

According to FERPA, students are guaranteed the right to privacy and protection of their educational records. However, I recently discovered that my rights were violated in the following way ( s ) : [ My personally identifiable information was disclosed to a third-party servicer without my written consent, and My student loan servicer accessed or shared my education records without my authorization. ] This disclosure was made without my knowledge or written consent, which is in direct violation of 20 U.S. Code 1232g and related FERPA regulations. Due to this breach, my data and financial obligations were misused, and I am now burdened with debt that was established or serviced unlawfully. 

As such, I am requesting : 1. A full investigation into this FERPA violation.

2. Removal or discharge of all associated student loan debt obtained or serviced in violation of my FERPA rights.

3. Any supporting documentation or account information related to these unauthorized actions. 
4. Immediate cessation of all collections or reporting activity related to these loans until the matter is resolved.

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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against [ XXXX ] regarding a violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ) and to request that my student loan ( s ) be removed or discharged based on this violation.

According to FERPA, students are guaranteed the right to privacy and protection of their educational records. However, I recently discovered that my rights were violated in the following way ( s ) : [ My personally identifiable information was disclosed to a third-party servicer without my written consent, and My student loan servicer accessed or shared my education records without my authorization. ] This disclosure was made without my knowledge or written consent, which is in direct violation of 20 U.S. Code 1232g and related FERPA regulations. Due to this breach, my data and financial obligations were misused, and I am now burdened with debt that was established or serviced unlawfully. 

As such, I am requesting : 1. A full investigation into this FERPA violation.

2. Removal or discharge of all associated student loan debt obtained or serviced in violation of my FERPA rights.

3. Any supporting documentation or account information related to these unauthorized actions. 
4. Immediate cessation of all collections or reporting activity related to these loans until the matter is resolved.

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 2025-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
b'About three years ago, I deposited a XXXX  check into my Bank of America prepaid account after waiting a week. I was told by Bank of America that they were gonna place a hold on the check for 3-4 more days. to ensure that it cleared 3 1/2 days later, the check cleared and the money was put into my account later on that day. My account was closed with remaining balance of XXXX in it which the bank told me I would receive and a check two weeks later I receive notice from Bank of America telling me that unless I prove the check was mine theyre keeping the funds, but had already given me notice that they return my funds before and held it an extra long for three days to make sure that it was cleared which it did and I want my money'

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 2025-05-17 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX [ Todays Date ] [ Credit Bureau Name ] [ Credit Bureau Address ] Subject : Unauthorized Hard Inquiry Dispute Dear [ XXXX/Equifax/TransUnion ] XXXX I am writing to formally dispute an unauthorized hard inquiry listed on my credit report under my name. I recently obtained a copy of my credit report and noticed an inquiry from [ Credit Acceptance inquiry on XX/XX/XXXX ; XXXX XXXX XXXX inquiry on XX/XX/XXXX ; XXXXXXXX XXXX XXXX inquiry on XX/XX/XXXX ; XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ] that I do not recognize and did not authorize. 

According to the Fair Credit Reporting Act ( FCRA ), a company must have my written authorization before pulling a hard inquiry on my credit. I am requesting that this inquiry be removed from my credit report immediately, as it was not authorized by me. 

Please investigate this matter and provide written confirmation that the inquiry has been removed. Enclosed are copies of my government-issued ID and a recent utility bill to verify my identity and address. 

If you find that the inquiry was made without proper authorization, I expect it to be deleted promptly. Please notify me in writing of the results of your investigation at the address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely,

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 2025-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
FOUND AN INQUIRY ON MY REPORT THAT I DON'T RECOGNIZE.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

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 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: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: IL

Complaint narrative:
Contacted this company I.C. System, Inc. they no longer have this debit anymore but will not remove their reporting from my 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 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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
ACCOUNTS AND CHARGEOFFS ARE FRAUD I NEVER HAD THEM. XXXX XXXX XXXXXXXX XXXX FRAUD XXXX XXXX XXXX XXXX FRAUD HARD INQUIRIES XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2025-05-17 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:
ACCOUNTS AND CHARGEOFFS ARE FRAUD I NEVER HAD THEM. XXXX XXXX XXXXXXXX XXXX FRAUD XXXX XXXX XXXX XXXX FRAUD HARD INQUIRIES XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Mercury Financial Intermediate LLC
State: FL

Complaint narrative:
I called XXXX XXXX XXXX company in XX/XX/XXXX to tell them I lost my job after XXXX XXXX hit and my husband would be taking over payments to please send email so I can switch it over to him. No email was received, not even a letter. On XX/XX/XXXX my husband spoke with XXXX from XXXX XXXX  and negotiated at debt settlement of {$1000.00} in 4 installments. My husband told her to send the confirmation settlement through email or letter so he can start paying it. I also spoke with XXXX and told her no more communication through phone calls because there is no proof of verification for our records. The phone calls came several times in a week. Filled up my voicemail box, they even used spoof numbers that I answered and got in arguements with them because they will not send email or letter. They want to do everything over the phone and we told them that leaves no real verification for us. They will not settle the debt after we agreed on a settlement and now they are threatening to take legal action. They have no email even though it states on one email to use XXXX but apparently that's another Mercury financial and they keep giving us the run around with no actual way of verification. The amount of calls and lies this company has done is too much. They threatened to take me to court to garnish my wages and my bank account but due to me taking care of my mom now, I have no money to garnish. We've tried to settle with them with the agreed amount on XX/XX/XXXX but they keep trying to do everything over the phone. Anyone dealing with them, tell them you are going to record the phone call. We just learned you can tell them you are recording the call prior to your conversation and either they will agree or disagree but it will help you with proof. Something we learned to late.

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: 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: AZ

Complaint narrative:
This anabout XXXXXXXX XXXX for their ongoing inaccurate and misleading reporting of a charged-off account on my Experian credit report. 

Account Details : Creditor : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Status : Charged off as of XX/XX/XXXX Balance as of XX/XX/XXXX : {$1800.00} High balance : {$1800.00} No payments or activity since XXXX  Monthly status : CO ( charge off ) every month for 5+ years Key Issues : 1. Double Reporting / Double Jeopardy : The account is listed as both written off and simultaneously past due with a balance of {$1800.00}. If XXXX has charged off this debt, it can not legally continue reporting the same amount as collectible. This misrepresentation severely affects my credit and misleads lenders. 
2. Violation of FCRA 1681e ( b ) : Information reported must be accurate and not misleading. This dual reporting falsely inflates my debt and gives the impression of continued delinquency when none exists.

3. Violation of FCRA 1681s-2 : The monthly CO status being updated for over 5 years post-charge-off constitutes unlawful re-aging and materially damages my credit profile.

4. Failure to Disclose Accurate Information ( FCRA 1681g ) : No monthly payment amount, payment terms, or status details are listedonly a rolling charge-off balance. This omission deprives me of a clear understanding of the obligation. 

Requested Resolution : Immediate deletion of the XXXX account from my credit report on the grounds of double reporting, inaccurate status updates, and failure to provide complete, consistent data ; Full reinvestigation and explanation from both XXXXXXXX XXXX  and Experian ; Confirmation that this account will not be reinserted or sold to another agency ; Consideration of monetary compensation or sanctions if violations are confirmed.

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 2025-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To Whom It May Concern at the Consumer Financial Protection Bureau : I am writing to formally file a complaint against TransUnion for their gross mishandling of a clear case of identity theft and their outright refusal to comply with federal law under the Fair Credit Reporting Act ( FCRA ) XXXXTransUnion is knowingly reporting a fraudulent account on my credit file from XXXX XXXX ( Account Number : XXXX ), despite receiving undeniable proof that I did not open this account. I submitted a comprehensive dispute which included:1. An official FTC Identity Theft Report.2. A police report.3. A detailed written explanation of the fraud.TransUnion has continued to report this fraudulent account in complete disregard of the law. This is not only negligentit is deliberate and harmful. The FCRA mandates that inaccurate or fraudulent information must be corrected or removed upon receipt of proper documentation. TransUnion is in direct violation of this law.This account, which I never opened, reflects the following outrageous and damaging data : - Creditor : XXXXXXXX XXXX- Account Number : XXXX Balance : $ XXXX Status : Charged Off- Opened : XX/XX/XXXX, XXXX Closed : XX/XX/XXXX, XXXX demand immediate intervention. This fraudulent account must be removed from my credit file without further delay. TransUnion 's refusal to take appropriate action is not only unacceptableits unlawful. I am also requesting that you require TransUnion to inform all parties that accessed my credit file of the error and provide documentation of their corrective actions.Thank you for your prompt attention to this serious matter.

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 2025-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: PA

Complaint narrative:
At XXXX XXXX  XX/XX/XXXX XXXX mom sent me {$20.00} to my cashhapp to get lunch for my first day of work. At XXXX I spent {$5.00} to get something to eat right away. I left the rest which was {$14.00}. So that I can get food my next shift as well. As soon as I got off the phone. Around XXXX. I got a notification saying " transaction failed, try again '' ... I never made any transaction. They just took {$14.00} from my account and left it negative intentionally so that I couldn't even delete the account while I make this report. I contacted support and asked to dispute it. They kept telling me I can't. They will " make a note of my complaint '' ... they are refusing to return the money. So now I have to starve for 3 days. With literally {$0.00} to my name because of this thief. Only information they give me is that it's from XX/XX/XXXX but it doesn't show on my account when I look and on the transactionfrom XXXX, it says XX/XX/XXXX. I have been using my cashapp the entire time. Leaving $ XXXX for days at a time. Never once was this transaction mentioned nor was a dispute from whatever bank this is supposed to be. But they just take my last money so conveniently. I am under the impression that someone at the company is just stealing my money and using their second job to do so.

Company response to consumer: Closed with explanation