vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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: NC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX INQUIRIES : XXXX XXXX XXXX XX/XX/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 2025-11-11 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: SC

Complaint narrative:
TU continues to report fraudulent accounts on my credit profile. Just today, XXXX XXXX confirmed that this account was opened fraudulently. XXXX also states in its letter " In the meantime, feel free to use this letter with any potential creditors as proof that corrections to your credit report are pending ''. The cell phone number XXXX which appears on the report, was used fraudulently and is attached to ACCOUNTS ( XXXX, XXXX, XXXX ) that TU refuses to block from my credit report. Someone was able to open an account with XXXX  and then attempted to port this number to that account. It was caught and prevented but they were still able to get devices on the account and incurred a debt with XXXX. This is my FINAL attempt to resolve this with TU before filing a lawsuit

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 2025-11-11 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: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I am submitting this complaint regarding an inaccurately reported charge-off account by BRIDGECREST ( Account ending in XXXXXXXX XXXX XXXX XXXX  ), showing a high balance of {$20000.00} and a date opened of XX/XX/2018. 

I have no knowledge of this account and have never opened, authorized, or maintained any credit account with BRIDGECREST. The appearance of this charge-off account on my credit report is false, misleading, and unverifiable. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, furnishers of credit information are required to report only accurate and verifiable data. Reporting a charge-off account that can not be substantiated violates both the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, which prohibits false or misleading representations regarding credit information. 

I have previously disputed this item with the credit bureaus ; however, the inaccurate reporting remains. Therefore, I am escalating this matter to the Consumer Financial Protection Bureau ( CFPB ) for investigation and corrective enforcement. 

Requested Action : I respectfully request that BRIDGECREST provide complete and verifiable documentation of this alleged account, including the original signed application, payment records, and proof of ownership. If such documentation can not be produced, I request immediate and permanent deletion of this charge-off account from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Dear Portfolio Recovery Associates, I am writing in response to a collection entry listed on my credit report that identifies your company, Portfolio Recovery Associates ( Portfolio RC ), as the current creditor or collector. The report shows the following details : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$240.00} Date Opened : XX/XX/2025 Date Reported : XX/XX/2025 Original Creditor : XXXX XXXX, XXXX. 

Status : Collection/Charge-off ( Open ) This letter is a formal request for debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

I do not acknowledge this debt and require that you provide full and complete verification of your claim, including : The name and address of the original creditor ; The amount of the alleged debt, including a breakdown of principal, interest, and fees ; A copy of the original signed contract or agreement that shows I am legally responsible for this account ; Documentation showing your authority to collect on behalf of the original creditor or proof that you are the legal owner of this debt ; Verification that this account is being reported accurately and lawfully to the credit reporting agencies. 

While this account is under dispute and pending validation, please cease all collection activity, including phone calls, mail, or credit reporting updates, as required by 15 U.S.C. 1692g ( b ). 
If you can not provide proper validation, you must immediately remove this collection from all credit bureaus and stop all further attempts to collect. 

Please send all documentation to my mailing address above. 
For your reference, I have also filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: Chime Financial Inc
State: CO

Complaint narrative:
I bought a playpen online on a website at XXXX XXXX on Friday XX/XX/XXXX at XXXX XXXX  XXXX XXXX. It was {$29.00}. When I went to check my account after I got off and XXXX XXXX. I seen it had XXXX other unauthorized purchases. XXXX at XXXX and XXXX at XXXX XXXX. The unauthorized purchases were XXXX separate transactions all for different amounts. XXXX was the {$29.00} ( we wanted ) XXXX was for {$340.00} and XXXX was for {$47.00} and the XXXX was {$42.00}. I have a screenshot of all this as well as for the purchase email as well ; on chime the purchases come from XXXX XXXX XXXX instead of XXXX XXXX. I filed a claim with Chime bank and it got denied as it wasnt deemed to be fraud and now theyre not wanting to refund me my {$430.00}. When I only purchased the {$29.00} play pen for my toddler. I was on the phone with Customer service for chime today and they told me to wait XXXX  days to even see if we can refile a fraud claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Even though the account was settled completely, it still reflects late payment history.

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 2025-11-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I paid for XXXX type of assurance, XXXX XXXX, and XXXX insurance unexpectedly. So I reached out to Chase team help me returned my funds back from XXXX. I also reached out to XXXX to see if they can return the funds. I paid for XXXX insurance that month the price of {$280.00} so I try to get help and then Chase said to wait XXXX to XXXX business days let them go check on it I didnt ask a representative are you sure I do not want my account to close and she replied no youre fine. Its not gon na close and I responded to her again. Are you sure and she said yes just give it XXXX to XXXX business days. Give me a call back and everything should be worked out. I called back and nothing is worked out. My account was closed that was negligence of her behalf not my behalf cause I obviously have the money to pay, but she told me that I did not have to pay. I tried to go to Chase and tell them the same thing and all they can say is well youve missed the XXXX  days. I was trying to disclose to them that I wasnt even approaching the XXXX  days prior to that because I spoke to the young lady which is on recording and she said that I was in not in no damage so from the third to this to the XXXX, my account is closed. I dont get no notifications no statement nothing that they were closing my account out. I would like my account to be remained open so I can continue doing good business

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: CO

Complaint narrative:
I have XXXX coins in Robinhood wallet and they are restricting me to send the coins to other digital wallet and stalling my transfer by imposing restrictions. I have called continuously for the past XXXX days to give me a reason and lift the ban. But seems like they are forcing me to keep the coins in their wallet and not letting me explore other wallet. They said they ll get back on XX/XX/XXXX, but till now, they dodge my call saying they will provide update in next XXXX days and no action is taken

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law XXXX  - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am filing this complaint regarding XXXX duplicate and inaccurately reported collection accounts by LVNV FUNDING, both showing a high balance of {$250.00}, but with different open dates XX/XX/2024, and XX/XX/2024 ( Accounts ending in XXXX * ). 

I have no knowledge of these accounts and have never opened, authorized, or received any correspondence or validation regarding such a debt. The appearance of XXXX nearly identical collection accounts for the same alleged balance is false, duplicative, and misleading, resulting in an unfair negative impact on my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, debt collectors and furnishers must ensure the accuracy and verifiability of all information reported to the credit bureaus. Reporting duplicate accounts and unverified debts is a clear violation of these federal laws. 

I have previously disputed this matter with the credit bureaus, but the duplicate and unverifiable accounts remain. Therefore, I am escalating this issue to the Consumer Financial Protection Bureau ( CFPB ) for further investigation and enforcement action. 

Requested Action : I am requesting that LVNV FUNDING provide full and verifiable documentation proving the legitimacy of this alleged debt, including all original creditor details, signed agreements, and payment records. 
If they are unable to provide such proof, I respectfully request immediate and permanent deletion of both LVNV FUNDING collection accounts from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: ND

Complaint narrative:
The consumer reporting agency has failed to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by neglecting to properly verify the accuracy and completeness of the information contained in my credit file. Despite my formal request for a thorough reinvestigation of all items reported, the bureau has either failed to provide sufficient verification or continues to report information that remains unverified. This failure constitutes a direct violation of my rights under federal law and raises serious concerns about the accuracy, integrity, and reliability of the information being reported in my consumer file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: Lendmark Financial Services
State: CA

Complaint narrative:
The account, reported on XX/XX/XXXX, shows a {$16000.00} balance and lists a last payment date of XX/XX/XXXX XXXX years before the stated opening date of XX/XX/XXXX. This timeline is impossible and violates the Fair Credit Reporting Acts accuracy provisions under 15 U.S.C. 1681e ( b ). 

I have disputed the item with all three credit bureaus, but Lendmark Financial has not corrected or validated the information. 

I am requesting that the OCC investigate Lendmark Financials credit reporting and require the company to provide documented proof of this alleged account ( including the signed agreement, payment ledger, and charge-off accounting record ). If the information can not be verified, I request that it be deleted from all consumer reports. 

Citations : FCRA 1681e ( b ) duty to ensure maximum possible accuracy FCRA 1681s-2 ( a ) ( 1 ) ( A ) duty of furnishers not to report inaccurate information FDCPA 809 ( 15 U.S.C. 1692g ( b ) ) validation of debts upon request

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: PA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-11-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: TN

Complaint narrative:
History of Disputed Charges ( Total Initial Disputed Amount : {$44.00} ) The following XXXX ( XXXX ) transactions were posted in rapid succession during the early morning hours of XX/XX/year> : Cash App Account Holder : XXXX XXXX Current Disputed Amount : {$24.00} Reason for Remaining Dispute : Fraudulent and Unauthorized Activity I formally reassert that the remaining XXXX charges, totaling {$24.00}, are completely unauthorized and fraudulent. 
At the exact time these rapid transactions occurred ( between XXXX XXXX. and XXXX XXXX  XXXX ), I was sound asleep and did not initiate, approve, or manually authorize these purchases. The fact that XXXX issued a refund for XXXX of the {$19.00} charges suggests an acknowledgment that the transactions were irregular and unauthorized. 
Despite the partial refund, both Cash App and XXXX have declined to reverse the remaining XXXX charges ( {$19.00} and {$4.00} ). I maintain that these XXXX outstanding charges were made during the dead of night while I was dormant. I did not initiate them. 
I request an immediate and thorough re-investigation into these XXXX remaining unauthorized charges and a reversal of the full disputed amount of. Also I have numerous occasions tried with cashapp.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Meta Payments Inc.
State: IL

Complaint narrative:
Hello, I am reaching out to request an investigative review into XXXX ongoing failure to address online scams and protect its users even when clear, documented proof is provided. 
I was recently scammed out of {$700.00} through a fraudulent XXXX profile : XXXX XXXX XXXXXXXX XXXX I submitted full evidence directly to XXXX through its reporting system, including screenshots of the conversations and payment details. Despite this, the profile remains active and continues to operate. 
I also filed a formal Internet Crime Complaint with the FBIs IC3 under confirmation code XXXX and escalated the case to the XXXX XXXX team, including CEO XXXX XXXX, XXXX XXXX XXXX, and Chief Legal XXXX XXXX XXXX. Still, XXXX has taken no visible action and provides no access to a live person for fraud victims. 
This isnt an isolated case XXXX automated system leaves victims with no recourse and effectively enables ongoing fraud. I believe this needs public attention to protect other users and hold XXXX accountable. 
I have all supporting documentation ready to share, including screenshots, transaction records, and my communications with both XXXX and law enforcement. 
Please let me know if I can provide these materials or speak with a producer for further details. 
Thank you for your time and for continuing to protect consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I submitted a complaint about CareCredit XXXX Synchrony Bank ) on XX/XX/year>. This is complaint # XXXX. I have not reattached the files I included in my initial complaint, but I can if necessary, I am resubmitting my feedback on their response because I am unsatisfied. They did not address all of my concerns previously : You have referred to returned checks having in the cause of the account deactivation. This implies that you attempted account clearing house payments on my Care credit account. I have never provided you with a routing number and account number to process XXXX payments. The only payment method I've used is the chime debit card referenced in the letter. I'm unclear what account information you were attempting to process payments against as it is very clearly not an account that I own. I did provide an account number, but I did not sign up for automatic payments. I am concerned that you attempted to process the XXXX payments against an account that does not belong to me. This raises the real concern that your system somehow link my Care credit account to somebody else 's financial institution to attempt these ACH payments has my debit card, once again, is the only payment method I have ever shared with you and as a result the only payments were successful were made with the debit card I authorize you utilize and why you're allegations of returned checks appears to be a product of some system error on your end. To reiterate the point that appears to have been dismissed in your response to my complaint, a singular payment method was provided to you and process without failure as XXXX has no record of these XXXX alleged failed payments. If your system manage to attempt to process payments on my account with information from somebody else 's checking account that raises even more concerns about how your company manages sensitive payment information. Have taken a negative action against me when I have never shared additional payment account information with you.

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