vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: CA

Complaint narrative:
They closed my account without any reason why and have been S account member since XXXX My work check was sent too my account of {$4100.00} and I never received my money. Chime said they would send me money in 30 days and haven't received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: MD

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, been waiting for the credit bureaus response and its really making me feel pissed since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. 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 2025-02-24 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: GA

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) Dear CFPB Representative, I am filing a formal complaint against XXXX for failure to comply with the Fair Debt Collection Practices Act ( FDCPA ) in response to my repeated requests for debt validation concerning account numbers XXXX On XX/XX/year>, I sent a written request to XXXX, exercising my rights under FDCPA Section 809 ( b ) to request validation of the alleged debt. I requested the following information : The name and contact information of the original creditor.

The original account number and any relevant account information. 

The date the alleged debt was incurred and the date it was assigned to their agency. 

Documentation proving their authorization to collect this debt.

Verification of the amount owed.

A copy of the security agreement to verify it hasnt been cashed or traded. 

Their bonding information, XXXX, and XXXX & XXXX XXXX. 

Confirmation that the statute of limitations has not expired. 

Despite my request, XXXX has failed to provide the requested documentation or validate the debt, yet continues collection activities. This failure to validate the debt and the continuation of collection efforts are clear violations of the FDCPA. 

I respectfully request that the CFPB investigate this matter and take appropriate action to ensure XXXX complies with federal debt collection laws. I have attached copies of my correspondence with the company for your reference. 

Thank you for your assistance in protecting consumer rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) Dear CFPB Representative, I am filing a formal complaint against XXXX for failure to comply with the Fair Debt Collection Practices Act ( FDCPA ) in response to my repeated requests for debt validation concerning account numbers XXXX On XX/XX/year>, I sent a written request to XXXX, exercising my rights under FDCPA Section 809 ( b ) to request validation of the alleged debt. I requested the following information : The name and contact information of the original creditor.

The original account number and any relevant account information. 

The date the alleged debt was incurred and the date it was assigned to their agency. 

Documentation proving their authorization to collect this debt.

Verification of the amount owed.

A copy of the security agreement to verify it hasnt been cashed or traded. 

Their bonding information, XXXX, and XXXX & XXXX XXXX. 

Confirmation that the statute of limitations has not expired. 

Despite my request, XXXX has failed to provide the requested documentation or validate the debt, yet continues collection activities. This failure to validate the debt and the continuation of collection efforts are clear violations of the FDCPA. 

I respectfully request that the CFPB investigate this matter and take appropriate action to ensure XXXX complies with federal debt collection laws. I have attached copies of my correspondence with the company for your reference. 

Thank you for your assistance in protecting consumer rights. 

Sincerely, 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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
In XX/XX/XXXX we received a letter from PNC bank that we owed XXXX dollars from XXXX, no one could tells us what this was for! PNC asked us to pay XXXX dollars and this would be dropped, we paid it because we are XXXX XXXX XXXX and did not want PNC bank to bother us anymore. We are trying to buy a condo and it showed up on our credit report. We want this off our credit report as soon as possible. We never did owe PNC Bank anything! Actually we are sorry we paid that money. We want this XXXX dollar charge disputed as quickly as possible. PNC does not retun phone calls to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Thunderbird Collection Specialists, Inc.
State: AZ

Complaint narrative:
They are trying to charge me utilizes that were included with my rent and on lease. After an incident, in retaliation, they tried to charge me with all kinds of misc. charges and evictions. XXXX XXXX XXXXXXXX XXXX XXXX even provided they with the facts and even had a XXXX XXXX XXXX help me well they were figuring out the mix-up. I ended up moving and didn't have access to mailing and discovered they were still and kept my deposit will no proof of the charges in detail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-02-24 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 recently became aware of the CFPB lawsuit involving Experian and want to formally report that my information was part of the Experian data breach. As a result, I believe my credit report has been negatively impacted, affecting my ability to access credit fairly. 

I have submitted multiple dispute letters regarding inaccurate or unverified accounts on my credit report. However, despite my efforts, I have been informed that these accounts have been " verified '' without any substantial evidence or proper validation. The following accounts remain on my report and continue to harm my creditworthiness : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$660.00} XXXXXXXX XXXX XXXX XXXX XXXX {$660.00} XXXXXXXX XXXX XXXX XXXX  {$7900.00} Given the Experian data breach and the ongoing issues with credit reporting agencies failing to properly investigate disputes, I strongly believe my consumer rights under the Fair Credit Reporting Act ( FCRA ) have been violated. These accounts do not reflect my accurate financial standing, and the continued reporting of these debts has resulted in negative impacts on my credit score, limiting my access to financial opportunities. 

I request that the CFPB review my case and ensure that Experian, conducts a thorough and fair investigation into my disputes.

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 2025-02-24 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: SC

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my 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 explanation
Consumer complaint received 2025-02-24 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:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my 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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-02-24 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: CA

Complaint narrative:
On XX/XX/year> I asked XXXX to cancel my credit card XXXX as there was a fraudulent transaction from South Carolina where I never visited. XXXX did not cancel this card and several fraudulent transactions were posted from South Carolina in XX/XX/year>. I complained again and I was told that these transactions were valid and I owed XXXX several XXXX dollars. 
I requested XXXX to cancel this card again, I paid by XXXX separate checks for the exact amounts of the last XXXX valid charges I made on this card and again reported that all the remaining transactions as fraudulent. XXXX did not accept this and reported to the XXXX credit bureaus Equifax, XXXX and XXXX that I was late in payment on this card in XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of 2024. 
I made several requests in writing and on the phone to XXXX that all these charges are fraudulent and they happened because XXXX did not cancel my credit card. XXXX claimed that their late payment reports to the XXXX credit bureaus is correct. 
After again insisting that I never visited South Carolina in my life, XXXX slowly started cancelling the fraudulent charges. After XXXX months of going back and forth, XXXX admitted that all pending charges are fraudulent and that they actually owe me XXXX {$810.00}. They sent me a check for XXXX {$810.00} and reported to the three credit agencies that my account has been closed with XXXX balance with a write off. 
However they did not with draw the late payment reports made against me for XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of 2024. As a result my credit score fell from near XXXX to low XXXX and I am not able to get credit due to XXXX 's negligence. I have requested XXXX in writing to rectify their mistake more than thrice but they did not. I want XXXX to clear the wrong reporting they made against me in XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of 2024.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: CA

Complaint narrative:
On XX/XX/year> I asked XXXX to cancel my credit card XXXX as there was a fraudulent transaction from South Carolina where I never visited. XXXX did not cancel this card and several fraudulent transactions were posted from South Carolina in XX/XX/year>. I complained again and I was told that these transactions were valid and I owed XXXX several XXXX dollars. 
I requested XXXX to cancel this card again, I paid by XXXX separate checks for the exact amounts of the last XXXX valid charges I made on this card and again reported that all the remaining transactions as fraudulent. XXXX did not accept this and reported to the XXXX credit bureaus XXXX, Experian and XXXX that I was late in payment on this card in XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of 2024. 
I made several requests in writing and on the phone to XXXX that all these charges are fraudulent and they happened because XXXX did not cancel my credit card. XXXX claimed that their late payment reports to the XXXX credit bureaus is correct. 
After again insisting that I never visited South Carolina in my life, XXXX slowly started cancelling the fraudulent charges. After XXXX months of going back and forth, XXXX admitted that all pending charges are fraudulent and that they actually owe me XXXX {$810.00}. They sent me a check for XXXX {$810.00} and reported to the three credit agencies that my account has been closed with XXXX balance with a write off. 
However they did not with draw the late payment reports made against me for XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of 2024. As a result my credit score fell from near XXXX to low XXXX and I am not able to get credit due to XXXX 's negligence. I have requested XXXX in writing to rectify their mistake more than thrice but they did not. I want XXXX to clear the wrong reporting they made against me in XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of 2024.

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 2025-02-24 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: CA

Complaint narrative:
On XX/XX/year> I asked XXXX to cancel my credit card XXXX as there was a fraudulent transaction from South Carolina where I never visited. XXXX did not cancel this card and several fraudulent transactions were posted from South Carolina in XX/XX/year>. I complained again and I was told that these transactions were valid and I owed XXXX several thousand dollars. 
I requested XXXX to cancel this card again, I paid by XXXX separate checks for the exact amounts of the last XXXX valid charges I made on this card and again reported that all the remaining transactions as fraudulent. XXXX did not accept this and reported to the three credit bureaus XXXX, XXXX and TransUnion that I was late in payment on this card in XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of 2024. 
I made several requests in writing and on the phone to XXXX that all these charges are fraudulent and they happened because XXXX did not cancel my credit card. XXXX claimed that their late payment reports to the XXXX credit bureaus is correct. 
After again insisting that I never visited South Carolina in my life, XXXX slowly started cancelling the fraudulent charges. After XXXX months of going back and forth, XXXX admitted that all pending charges are fraudulent and that they actually owe me XXXX {$810.00}. They sent me a check for XXXX {$810.00} and reported to the XXXX credit agencies that my account has been closed with XXXX balance with a write off. 
However they did not with draw the late payment reports made against me for XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of 2024. As a result my credit score fell from near XXXX to low XXXX and I am not able to get credit due to XXXX 's negligence. I have requested XXXX in writing to rectify their mistake more than thrice but they did not. I want XXXX to clear the wrong reporting they made against me in XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of 2024.

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 2025-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
I am writing to express my dissatisfaction with a recent scam involving my Chime account. I received three calls from a Chime number, leading me to believe that I was speaking with a team member who would assist me with my account. However, the individual on the other end of the line attempted to deceive me into transferring funds to their personal account. 
I have attached the call log and the police report I filed after reporting the incident. I am curious to know the extent of the investigation conducted into the individual who provided me with the fraudulent instructions. I have consistently maintained a trusting relationship with Chime over the years, and I am deeply disappointed to have been a victim of this scam.i have never used pay anyone one chime and I wouldn't think I am talking to a trusted person and I get robbed of all of my funds. 
I was also told my evidence provided which is an incoming call from the chime number was not enough. 
They even told me that it was for the payment dispute and refund authorization that they were fixing account I would appreciate it if you could clarify the steps that need to be taken to resolve this matter and provide me with assistance in recovering the funds lost. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

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 their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation