vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

The accounts are as follows : XXXX XXXX - XX/XX/XXXX XXXX. {$11000.00} Account number. XXXX Hard Inquiries : 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 2025-10-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NC

Complaint narrative:
I filed a dispute for charges on my debit card that are fraud. The dispute was denied. I requested for a reinvestigation and requested the investigation documents. 

The re-investigation was not submitted and I did not receive the documents. 

I called go back regarding the re-investigation and was told it would not be done if I cant provide documentation that these are not my transactions. 

These are not my transactions. They are XXXX and XXXX XXXX. I researched and these are all online companies. I dont know what else they need. I did not complete these transactions. 


My name is XXXX XXXX not XXXX, that is my maiden name. I will call Monday to correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.

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 2025-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: GA

Complaint narrative:
Cash app randomly closed my account saying I was in violation but refuse to tell me how .. ive been trying for over a year to get it back open

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FREEDOM FINANCIAL NETWORK
State: NY

Complaint narrative:
Achieve.com has reported inaccurate payment information on my account. Ive made all payments on time, including my XXXX payment, but they have failed to report it correctly. This misreporting negatively affects my credit history. 

This violates 15 U.S. Code 1681i, which requires consumer reporting agencies to investigate and correct inaccurate or incomplete information in a consumers file. 
I am requesting that this inaccuracy be investigated and corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I reviewed my credit report and found several hard inquiries that do not belong to me and were made without my authorization. These inquiries are negatively affecting my credit score and were not initiated by me. 
I have never applied for credit with the companies listed in these inquiries, nor did I give permission for my credit report to be accessed Hard inquiries Equifax XX/XX/year> XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX  XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX inquiries XXXX XXXX  Inquiry date : XX/XX/XXXX, XXXX XXXX XXXX Inquiry date : XX/XX/year> XXXX XXXX Inquiry date : XX/XX/year> XXXX XXXX  Inquiry date : XX/XX/year> XXXX XXXX  Inquiry date : XX/XX/year> XXXX XXXX  Inquiry date : XX/XX/year> XXXX XXXX Inquiry date : XX/XX/year> 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 2025-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
Car repossessed and account closed and charged off.

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 2025-10-12 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: NY

Complaint narrative:
, Equifax, I am writing to you for the umpteenth time regarding the fraudulent accounts on my credit report. I have previously sent you multiple letters along with supporting documentation such as FTC reports, a police report, and an identity theft victim complaint and affidavit. Despite my repeated efforts, the inaccurate information continues to negatively impact my credit profile. 

As a consumer protected by the Fair Credit Reporting Act ( FCRA ) under 605B ( 15 U.S.C. 1681c-2 ), of Account from XXXX XXXX XXXX whit was open XX/XX/year> I am formally requesting that you block all accounts that are a result of identity theft or fraudulent activity. It is imperative that you take immediate action to rectify this situation and prevent any further harm to my creditworthiness. 

I urge you to thoroughly investigate the information provided and take the necessary steps to ensure that my credit report is accurate and reflective of my true financial history. Failure to comply with the provisions of the FCRA could result in legal action against your organizations. 

I appreciate your prompt attention to this matter and expect a swift resolution. Please confirm in writing once the fraudulent accounts have been blocked from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX IA XXXX PHONE : XXXX FAX : XXXX Order No : XXXX Date : XX/XX/year> To XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Identity Theft and Credit Report Dispute Request for Investigation and Removal of Inaccurate Accounts Attention XXXX  Dispute Department XXXX XXXX am writing to formally notify you of potential identity theft and inaccurate reporting on my XXXX  credit file. During a recent mortgage application, I was alerted to a discrepancy between the XXXX score reported to my lender and the score displayed on the XXXX website. 
Upon contacting XXXX  on XX/XX/year> ; I was informed that I may have been a victim of fraudulent activity or identity theft, and that my personal information may have been compromised. I was instructed to provide supporting identification documents to verify my identity. The inaccurate reporting has negatively impacted my mortgage application [ Account # : XXXX XXXX : XXXX ]. 

Enclosed are copies of the requested identification documents ( drivers license, Social Security card, and proof of address ). Please use these materials to verify my identity and conduct a comprehensive investigation of the disputed items referenced in the attached letter. 
This dispute is being filed under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681e ( b ) : Requiring consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of information.

15 U.S.C. 1681a : Defining consumer report and the standards for data accuracy and proper association with the correct consumer.

Please confirm receipt of this letter and provide written notice of the results of your investigation, along with an updated copy of my corrected credit report.

Thank you for your prompt attention and cooperation.

Enclosures : 1. Copy of drivers license 2. Copy of Social Security card 3. Proof of address ( utility bill or bank statement ) 4. Formal dispute letter listing inaccurate/fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I an XXXX. I just sold my old office real estate. I deposited approximately {$650000.00} via ACH to my checking and savings accounts on XX/XX/XXXX & XXXX of 2025. Capital One ( Bank ) has frozen these funds since deposit, over 12 days, currently. 

I want to wire these funds to my brokerage account, but bank will not free my funds. 

I have called twice. Bank does not accept emails, although I tried. Each call lasted over 40 minutes. Each time I was promised all good, no more holds, etc. 

The holds continue. Worse, I get emails to call the Bank, also they may close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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 was on XXXX looking to purchase comic con badges where an admin of a group comic con buying and selling international XXXX XXXX indicated they were able to sell me some badges. They gave me their number, we chatted, they showed me screenshots of the items that were able to be transferred via showclix platform but that they needed me to send XXXX via chime. Once sent they indicated that it was charging XXXX to change the name on the tickets. They indicated that I am able to send an XXXXXXXX XXXX XXXX  if needed. I sent it to their email, then they said it was another XXXX for the other badge. For context I was requesting 2 Sunday XXXX XXXX XXXX XXXX badges. At that point I requested my money back and they were avoiding to pay me back. I have screen shots of the admin name on XXXX and the whole chat.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc.
State: MD

Complaint narrative:
My credit report is showing closed accounts with inaccurate information for example they are reporting current balances over XXXX $ for accounts that I have come to and agreement with either a partial payment to settle a debt or a charge offs that I am no longer responsible for and some accounts didnt even report my payment status through out the entire time I made payments but closed the account with out reporting all my payments made on time

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX my cash app account was suspended because of unusual activity at that time they gave me an option to transfer my money to a external bank account which I dont have so I had to used my close relative shilyn XXXX XXXX  account ( XXXX  ) so we could transferred the money instantly on XX/XX/XXXX at XXXX XXXX  with an amount of {$600.00} but unfortunately the transaction has not been instantly and has not arrived to the external bank ( XXXX  ) I call cash app numerous times as well did XXXX XXXX called XXXX  numerous times but they can only offer limited help cash app have gave me the retrieval reference number to provide chime but wasnt any help at all as chime failed to locate the deposit is has been 3-5 business days and still no money has arrived please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
On my credit report i have XXXX  XXXX XXXX  and a XXXX XXXX reporting on the same car. XXXX XXXX  has the title for the car no XXXX. When my lease end with XXXX. I went with lease end company to buy out the lease. After a few days didnt hear from them regarding the boyout so i went to the dealer to finance the lease. By the i left the dealers lease end said the have the title and loan was with XXXX. So i called XXXX  dealer ans XXXX  to withdrawl the loan. Having problem with a response from dealer tried to call multiple time to talk to XXXX no return call. XXXX  doesnt own the title for the car. Cant have to auto loan for the same car.

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 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My dismissed XXXX XXXX XXXX  continues to be reported in a way that inaccurately impacts my credit. All debts from the case have been paid in full, but the record is still harming my ability to obtain credit. This is incomplete and misleading under FCRA 607 ( b ) and 611. I am requesting an update or deletion to reflect accurate information. Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ) and 611, consumer reporting agencies are required to maintain and report only complete and accurate information. The continued reporting of this dismissed bankruptcy without reflecting the fact that all obligations have since been satisfied is incomplete, misleading, and harmful.

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 2025-10-12 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: MD

Complaint narrative:
XXXX XXXX is reporting different information on the credit card to each credit reporting agency. To Equifax, XXXX XXXX is reporting the account was current in XX/XX/year> and no information for XX/XX/year>. My Experian report is reporting that I was late in XX/XX/year> and no data in XX/XX/year>. Previously, Experian reported me late in XX/XX/year>. I provided proof that I was not late and now they are reporting me late in XX/XX/year>. XXXX XXXX is reporting the account was current in XX/XX/year> but late in XX/XX/year>. 

If XXXX XXXX is reporting the account differently to each credit reporting agency, then obviously the company is unreliable, and its information can not be verified. If XXXX XXXX 's reporting is accurate to Trans Union, then its reporting to Experian is inaccurate. The reality is that its reporting to both Experian and Trans Union is inaccurate. I was never late and have provided proof in prior disputes, which I incorporate into this dispute and request that you review as part of this investigation. 

On top of its inaccurate and inconsistent reporting, XXXX XXXX is not reporting that this account is under dispute. So, third parties looking at my report will see the late payments and think that I do not dispute it. In addition to marking the account as disputed, you need to add my dispute statement.

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 2025-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CMG Financial Services, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX I paid my mortgage via check from my XXXX XXXX checking account. The check was set to be delivered on XX/XX/XXXX at CMG Home Loans. CMG has had the check in their possession for 10 business days, and they will not apply it to my mortgage. I have called 5 times and spoken with separate agents, and no one can give me an answer as to why the payment has not been applied. My payment is now 13 days late as of tomorrow ( was due on XX/XX/XXXX ). They have done nothing to remedy the situation, and I am fearful that my credit will be negatively impacted. I have the proof of payment document from XXXX XXXX. I need help getting this moved along.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi continues to charge excessively high APR at 29 %!!! Theyre quite literally stealing from the consumer. My credit is excellent with no missed payments. 
Its a shell game. No one calls back and they leave you on hold.

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 2025-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
This letter serves as a formal dispute and deletion demand pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

Upon reviewing my credit report, I found a collection being reported by XXXX XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, VA XXXX, for the amount of {$480.00}. 

I have never received any written notice, signed contract, or validation documentation proving that this debt belongs to me, nor have I authorized XXXX XXXX XXXX to collect or furnish this information to your bureau. 

Under 15 U.S.C. 1692g ( b ), a debt collector is required to provide complete validation of the debt, including : A copy of the original agreement bearing my signature, and XXXX of written notification sent to me before the account was reported. 

Since I was never properly notified and no verifiable documentation has been provided, this account is unverified and must be deleted from my credit report immediately. 

Pursuant to 15 U.S.C. 1681i ( a ) and 1681s-2 ( b ), you are required to conduct a full reinvestigation and remove this collection unless XXXX XXXX XXXX XXXX XXXX within 30 days, all of the following : XXXX. The original signed contract or agreement bearing my signature ; XXXX. Proof of the initial written notice sent to me prior to reporting ; and XXXX. Legal documentation showing XXXX XXXX XXXX right to collect and report this account. 

If these items can not be produced within the statutory timeframe, this entry must be deleted immediately under federal law. 
Failure to comply constitutes willful noncompliance as defined in 15 U.S.C. 1681n, which subjects your agency and the furnisher to liability for damages and attorneys fees. 

Please forward all findings or confirmation of deletion to my mailing address listed above. 

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 explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
This letter serves as a formal dispute and deletion demand pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

Upon reviewing my credit report, I found a collection being reported by Portfolio Recovery Associates , LLC, located at XXXX XXXX XXXX XXXX, XXXX, VA XXXX, for the amount of {$480.00}. 

I have never received any written notice, signed contract, or validation documentation proving that this debt belongs to me, nor have I authorized Portfolio Recovery Associates to collect or furnish this information to your bureau. 

Under 15 U.S.C. 1692g ( b ), a debt collector is required to provide complete validation of the debt, including : A copy of the original agreement bearing my signature, and XXXX of written notification sent to me before the account was reported. 

Since I was never properly notified and no verifiable documentation has been provided, this account is unverified and must be deleted from my credit report immediately. 

Pursuant to 15 U.S.C. 1681i ( a ) and 1681s-2 ( b ), you are required to conduct a full reinvestigation and remove this collection unless Portfolio Recovery Associates XXXX XXXX within 30 days, all of the following : XXXX. The original signed contract or agreement bearing my signature ; XXXX. Proof of the initial written notice sent to me prior to reporting ; and XXXX. Legal documentation showing Portfolio Recovery Associates right to collect and report this account. 

If these items can not be produced within the statutory timeframe, this entry must be deleted immediately under federal law. 
Failure to comply constitutes willful noncompliance as defined in 15 U.S.C. 1681n, which subjects your agency and the furnisher to liability for damages and attorneys fees. 

Please forward all findings or confirmation of deletion to my mailing address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief