vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 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: OH

Complaint narrative:
XXXX did an unauthorized transaction on my account & advised I had to do a dispute with my bank due to them showing the charge on someone elses account. When opening the dispute on XX/XX/XXXX I advised to them it was unauthorized they didnt ask me to send anything in by XXXX pm XX/XX/XXXX the dispute was closed with no error. I called back in to reopen the dispute & get evidence on why they came up with the decision they advised no error was found & they could not open it back up. I then placed XXXX & chime on the line together for XXXX to advise that the charge was unauthorized and not on my account. Chime advised to me they dont have the same regulations and guidelines as a normal bank bc they are a financial institution so they dont have to provide the evidence they used to come up with their decision and dont have to investigate disputes it is at their discretion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-07-18 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: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-18 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: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Regional Acceptance INC charged off balance for vehicle leased beginning XX/XX/year>. I was in a XXXX car collision on XX/XX/year> and deemed not at fault because I was hit from behind. During the purchase of the vehicle, I was covered by XXXX XXXX XXXX XXXX XXXX XXXX ( GAP ) insurance in the event of total loss or damage to the vehicle within 90 days of driving off the lot. I submitted all paperwork including police report, vehicle appraisal, medical bills, photos, and communicated with Regional Acceptance. I got no help in the matter, and was told they would not cover the vehicle without a valid explanation of what information is needed or why it would not be covered. Instead, XXXX XXXX XXXX XXXX XXXX XXXX only refunded the cancellation of the policy for to Regional Acceptance and Regional Acceptance then charged off the amount on my credit. This continues to follow me around on my credit report and was told I need to speak with XXXX XXXX XXXX XXXX XXXX XXXX without any communication between both parties as to what more information is needed or the GAP insurance could not cover the loss of the vehicle.

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 2025-07-18 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: PA

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$710.00} XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$640.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$740.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Balance Owed : {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$300.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$720.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: PA

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$710.00} XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$640.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$740.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Balance Owed : {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$300.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$720.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2025-07-18 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: GA

Complaint narrative:
I am requesting the removal of the unauthorized inquiry on my report. I have already met all the necessary requirements and provided the required documentation for its deletion. I kindly ask that this be addressed promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: LA

Complaint narrative:
Have never stayed at this place of business. Not balance should be owed, no knowledge, has disputed for this to be removed multiple times from my credit report. Are furnish proof nothing has been done about the removal and it keeps reporting as a past due balance. 

Account name : XXXXXXXX XXXX  XXXX creditor : XXXX XXXX Account number : XXXX XXXX : {$130.00}

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 2025-07-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: AZ

Complaint narrative:
I am the owner of XXXX XXXX XXXX, a small, XXXX XXXX XXXX and XXXX  business I started on XX/XX/year>. From day XXXX, I have used Square to handle all of my business transactions, including customer payments and business expenses. Ive always followed their terms of service and have never had a single dispute, chargeback, or questionable transaction. 

Over time, my business grew steadily and I responsibly accepted XXXX loans through Squares Capital program. I repaid both in full totaling over {$4000.00} on {$3700.00} borrowed, and I paid both off ahead of schedule. Just XXXX day after making my final loan payment, Square abruptly and without warning permanently deactivated my account. 

They provided no explanation, only a vague statement saying the decision was final. When I called support, the representative was rude, dismissive, and barely communicative, telling me If you werent doing anything wrong, they wouldnt have shut you down, and then hung up on me. I was not accused of wrongdoing, nor was I given any opportunity to appeal or provide information. I have contacted them multiple times with no success. 

As a result of this action, I have : No way to collect payments from my customers Lost access to the Square debit card, which I used for 90 % of all business expenses No way to pay for tools, fuel, parts, or jobs Been left unable to financially support myself, my wife, or our XXXX daughters This account closure has put my entire livelihood at risk. Ive done everything right, maintained a clean and honest business, repaid loans early, and operated in full compliance with Squares policies. The lack of transparency, the disrespectful customer service, and the sudden severance of financial tools has severely harmed my business and my ability to provide for my family. 

Requested resolution : A full manual review of my account by a human risk analyst A formal, written explanation for the account closure Immediate release of any held funds and transaction history Restoration of account access or if not, proper access to customer payment records and past transaction data so I can transition to a new provider

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: TX

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification.

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Re : Immediate Demand for Deletion LVNV Accounts ( Ending in XXXX & XXXX ) for FCRA, XXXX, and Regulation XXXX Violations To Whom It May Concern : This correspondence is a formal and final demand for the immediate deletion of XXXX tradelines being reported by LVNV Funding under the following account numbers : Account # XXXXXXXX XXXX XXXX ( reported to XXXX ) * * Account # XXXXXXXX XXXX XXXX  ( reported to XXXX  and XXXX ) * * Upon thorough review of the furnished data across bureaus, I noticed accounts that I was not notified about from a company I have never heard of or done business with. These accounts contain multiple material inaccuracies, contradictory data, and serious violations of federal credit reporting and consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), XXXX, and Regulation XXXX I. Violations Pertaining to Account # XXXX ( XXXX ) XXXX. Account incorrectly reported as Open while in Collections XXXX. Reporting XXXXmonth term duration XXXX. Status of Late XXXX Days on a collection account XXXX. Past Due amount reported despite no monthly obligation XXXX. Contradictory payment history ( OK months while XXXX days late ) XXXX. Date Opened ( XX/XX/XXXX ) postdates Date Last Active ( XX/XX/XXXX ) XXXX. Balance shown as past due without payment agreement or billing cycle Each of the above reflects a violation of FCRA XXXX ( a ) ( XXXX ) ( A ) and XXXX ( b ), which require accurate and complete reporting. In addition, continued delinquency status on a collection account violates CFPB guidelines and Regulation XXXX provisions on billing error responsibilities. XXXX. Violations Pertaining to Account # XXXX ( XXXX & XXXX  ) XXXX. Duplicate reporting of the same account across multiple bureaus Same balance, same account number, conflicting statuses XXXX. XXXX  reports account as Open and Late XXXX  Days XXXX. XXXX reports Collection/Chargeoff with no payment terms XXXX. Inconsistent Date Opened between XXXX and XXXX XXXX. False OK payment notations during derogatory status periods XXXX. No clear explanation of balance calculation or terms XXXX. Failure to code and report data in Metro 2-compliant format Reporting the same account as separate tradelines and furnishing conflicting information violates the FCRAs requirement of maximum possible accuracy and constitutes material misrepresentation of my creditworthiness. XXXX. Legal Grounds for Immediate Deletion Both of these accounts reflect clear violations of : FCRA XXXX ( a ) ( XXXX ) ( A ) Furnishing inaccurate or incomplete data FCRA XXXX ( b ) Failure to maintain reasonable procedures for accuracy FCRA XXXX ( a ) Failure to reinvestigate and correct errors XXXX Fair and Accurate Credit Transactions Act Regulation XXXX XXXX XXXX XXXX XXXX ) Misrepresentation of payment status or obligations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: KY

Complaint narrative:
I am writing to report that I am a victim of identity theft, and I am requesting the immediate removal of unauthorized XXXX inquiries from my credit report. In accordance with FCRA XXXX ( XXXX U.S.C. XXXX ), the credit bureaus are required to block any information resulting from identity theft within XXXX business days of receiving proper notice. I did not authorize these inquiries, nor did I initiate any applications that would warrant them. Some of these inquiries are unfamiliar to me and raise serious concerns about fraudulent activity. In several instances, these same inquiries have already been removed by other credit bureaus, further supporting my claim. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation