vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
unauthorized withdrawals from my XXXX account that were processed through Cash App under the name XXXX XXXX. These transactions were not authorized by me in any way. A couple of months ago, I was the victim of an assault in which my phone and wallet were stolen. Because of this, I was unable to access my XXXX account until recently, due to delays in recovering my old phone number with my XXXX. On XXXX, when I finally regained access, I discovered multiple withdrawals from the merchant Cash App that I never approved. I immediately filed a dispute with XXXX. Under the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq., and Regulation E ( 12 C.F.R. Part 1005 ), consumers are protected from liability for unauthorized electronic fund transfers, provided they are reported promptly once discovered. Since I reported these transactions immediately upon gaining account access, I am exercising my rights under these laws and respectfully requesting a full refund for the unauthorized withdrawals. Given the circumstances, I trust XXXX will uphold its obligations under federal law to resolve this matter promptly and restore my funds. Please confirm receipt of this letter and provide an update on the status of my dispute. Thank you for your attention and cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: NJ

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 XXXX XXXX XXXX XXXX  FRAUDULENT INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: FL

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$0.00} Account name XXXX Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$0.00} Account name XXXX XXXX XXXX Account number XXXX Account type XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} Account name XXXX XXXX XXXX Account number XXXX Account type Mortgage Date opened XX/XX/XXXX Balance {$0.00} Account name DEPT OF EDUCATIONXXXX Account number XXXX Account type Education Date opened XX/XX/XXXX Balance {$480.00} Account name DEPT OF EDUCATION/XXXX Account number XXXX Account type Education Date opened XX/XX/XXXX Balance {$2600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to follow up my dispute last XX/XX/XXXX with regards to the inaccurate and misleading information reported on my credit file in violation of FCRA section 607b, 611, 623a1A, 605c, and 605b. Several accounts and inquiries are reported inconsistently or without proper validation. The disputed items are XXXX XXXX XXXX XXXX XXXXXXXX {$590.00} XXXX XXXX XXXX {$9700.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$0.00} XXXX  Original creditor : XXXX XXXX XXXX XXXX  XXXX XXXX {$2900.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX {$580.00} XXXX XXXXXXXX {$640.00} XXXX XXXX XXXX  Original creditor : XXXX XXXXXXXX XXXX XXXXXXXX {$330.00} XXXX XXXX XXXX Original creditor : XXXX XXXX {$300.00} XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX {$300.00} XXXX XXXX XXXXXXXX XXXX Original creditor : XXXX XXXXXXXX XXXX XXXX {$250.00} XXXX Original creditor : XXXX XXXX XXXXXXXX {$160.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: GA

Complaint narrative:
I am writing to follow up my dispute last XX/XX/XXXX with regards to the inaccurate and misleading information reported on my credit file in violation of FCRA section 607b, 611, 623a1A, 605c, and 605b. Several accounts and inquiries are reported inconsistently or without proper validation. The disputed items are XXXX XXXX XXXX XXXX XXXXXXXX {$590.00} XXXX XXXX XXXX {$9700.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$0.00} XXXX  Original creditor : XXXX XXXX XXXX XXXX  XXXX XXXX {$2900.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX {$580.00} XXXX XXXXXXXX {$640.00} XXXX XXXX XXXX  Original creditor : XXXX XXXXXXXX XXXX XXXXXXXX {$330.00} XXXX XXXX XXXX Original creditor : XXXX XXXX {$300.00} XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX {$300.00} XXXX XXXX XXXXXXXX XXXX Original creditor : XXXX XXXXXXXX XXXX XXXX {$250.00} XXXX Original creditor : XXXX XXXX XXXXXXXX {$160.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: NY

Complaint narrative:
Bridgecrest has no option to apply recurring additional payments toward the remaining principal balance. Instead, consumers have to contact Bridgecrest and request additional payments are applied to the principal balance each/every time an additional payment is made. If the consumer does not contact Bridgecrest, the additional payment is automatically applied toward future payments. Additionally, there is no option to automatically apply all future additional payments toward the principal balance. This is a blatant and unfair attempt to collect more interest/revenue over the life of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: OH

Complaint narrative:
They claim I owe them money they wont tell me any information about this business amsher collection agency according to the 15 u.s.c 1681 there should not be any damages to my report its a its a defamation to my character REMOVE ALL FRAUDULENT ACCOUNTS IMMEDIATELY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have noticed collection accounts on my credit report that I believe are inaccurate. In line with my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a report that is accurate and verifiable. I request a thorough review of these accounts, and if they can not be verified, they should be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I am disputing a collection account reported by Midland Credit Management, referencing an alleged debt from XXXX XXXX XXXX. This account was reported to the credit bureaus without any prior notice to me. I was never sent a legally required validation notice as required under FDCPA 15 U.S.C. 1692g, which mandates written notification within five days of initial contact.

After discovering the account on my credit report, I contacted Midland Credit Management directly to request validation. They did not provide proper documentation to prove the debt belongs to me. Instead, they either failed to respond adequately or provided false and unverified information that does not meet the legal standard of proof.

I also filed a dispute with the credit bureaus, but Midland Credit Management responded with inaccurate or misleading statements rather than legitimate validation. Furnishing false dispute responses violates both FDCPA and FCRA 611, which requires accurate reporting and proper investigation of disputes.

Since Midland Credit Management failed to provide lawful validation, failed to give notice before reporting, and provided misleading dispute responses, I am requesting immediate deletion of this account from all credit bureaus due to noncompliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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:
After multiple disputes, the bureau is still in violation of FCRA XXXX & XXXX, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: NE

Complaint narrative:
Company went ahead and filed default judgement against me in court. Didn't provide me with original signed contract or any information about the assignment contracts. They are in breach of contract. I am filing a motion to dismiss case in XXXX XXXX for failure to provide me such information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-13 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: 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: MN

Complaint narrative:
I sent a certified letter to Equifax on XX/XX/year> with tracking # XXXX it shows the delivery date of XX/XX/year> at XXXX XXXX. The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts : XXXX - {$1000.00} ( account # XXXX ) XXXX XXXX - {$1900.00} ( account # XXXX ) Equifax failed to respond. I sent another letter on XX/XX/year> which they failed to respond once again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: GA

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, PA XXXX RE : XXXX  Block Request To Whom It May Concern, I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$65.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-10-13 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: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-10-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Dear Staff I acquired a car loan from XXXX for a new XXXX XXXX XXXX. I paid the loan in ull in XXXX ( XXXX ) They never sent a Title. I realized this when searching for new cars. I then requested a lien relase letter to obtain a rpleacment title I would have to pay for in XX/XX/XXXX. 

They never sent the letter. 

I then asked today if they could provide another letter with tracking. They told me they would send another but refused to add free tracking. 

I am beyond frustrated. I pad for this car and I can not get a title for it now?? 

Please help... I have called ... written and they all confirm it is paid in full and no issues... but they can not manage to get these documents to my correct address which i have confirmed with them 8 times now JP MORGAN CHASE BANK XXXX card XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX, XXXX Sincerely XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: GA

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXXXXXX XXXX DC XXXX Subject : Formal Complaint Against Chime Unauthorized Transactions Totaling {$2700.00} Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Chime Financial , Inc. regarding unauthorized transactions totaling {$2700.00} that were withdrawn from my account. Despite following all proper dispute procedures and providing supporting evidence, Chime has denied my dispute twice, and I have still not been reimbursed. 

Below is a summary of my situation : Bank Name : Chime Financial , Inc. 

Amount in Dispute : {$2700.00} Nature of Dispute : Unauthorized transactions Dates of Disputes : XXXX XXXX Case/Reference Numbers : # XXXX # XXXX After discovering the unauthorized charges, I promptly reported them to Chime and submitted all requested information. However, my disputes were denied twice without a satisfactory explanation. 

Following the denials, I filed a police report with my local law enforcement agency. The police investigation confirmed that the transactions were unauthorized, and I have attached the following supporting documents : A copy of the police report. 

Emails from the investigating officer confirming the unauthorized nature of the charges.

Copies of my previous communications with Chime regarding the dispute.

Despite this clear evidence, Chime continues to deny my reimbursement. This is a violation of my consumer rights under Regulation E ( Electronic Fund Transfer Act, 12 CFR Part 1005 ), which protects consumers against unauthorized electronic transactions and requires financial institutions to investigate and credit the consumers account when unauthorized use is confirmed. 

I am requesting that the CFPB : Investigate Chimes handling of my dispute. 

Ensure that I am reimbursed the full {$2700.00} that was taken without authorization. 

Review Chimes compliance with Regulation E in this case.

I have been patient and cooperative throughout this process, but I feel I am being unfairly denied funds that are rightfully mine. I appreciate your attention to this matter and look forward to a prompt resolution. 

Thank you for your time and assistance.

Company response to consumer: Closed with explanation