vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 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:
The disputed information misrepresents my financial patterns. I request that my file be reviewed and corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: FL

Complaint narrative:
I discovered several negative accounts on my credit reports that are inaccurate, incomplete, or not properly verified. These include multiple charged-off accounts, several collection accounts from debt buyers, and multiple hard inquiries that I did not authorize. Over the past months I have requested verification from the credit bureaus and the furnishers, but none of the companies involved have provided the required documentation under the Fair Credit Reporting Act or the Fair Debt Collection Practices Act. No original signed contracts, no chain-of-title documents, no billing statements, no proof of delinquency, and no validation of the balances were provided. Many of the items also show inconsistent information such as differing account numbers, conflicting dates, missing data fields, and unverified late-payment histories. These inconsistencies violate FCRA section 607 ( b ), which requires maximum possible accuracy. Despite the lack of validation, the bureaus have continued to report these items as verified, even though no actual evidence was presented. These inaccuracies have damaged my credit score and affected my ability to obtain credit and fair financial opportunities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: NJ

Complaint narrative:
I received XXXX emails from Chime Online bank. The first XX/XX/XXXX stated that a login attempt was detected. The XX/XX/XXXX email asked to verify my phone number. The XX/XX/XXXX email was a " Welcome to Chime '' email claiming the card is on the way to me, implying the account was opened. 

I called Chime at XXXX to inquire whether someone used my personal information including my email address to open an account. They took my email address and did not directly answer my question. 

I requested to speak to a supervisor and was declined. 

Either someone stole my identity in an attempt to open an account with Chime fraudulently or Chime itself was conducting shady business practices to acquire new customers. 

Attached please find the XXXX emails I received from Chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX is reporting a delinquent auto loan on my Experian credit report for a vehicle that I never received. 

In XX/XX/year>, I went to XXXX XXXX XXXX ( XXXX  ) and signed initial documents, but the sale was not completed. I did NOT take possession of the vehicle, I did NOT pay any down payment, and the dealership confirmed through text messages that the car was ready but I never picked it up. 

Because the car was never delivered, there is no valid loan and no completed transaction. Despite this, the dealership submitted the financing to XXXX, and XXXX is reporting a delinquent balance of approximately {$24000.00}. 

I contacted XXXX by email in XX/XX/year> requesting confirmation and proof of delivery or a finalized contract. Instead of providing this information, XXXX only told me to call their office and did not address the issue. They never provided any proof because the vehicle was never delivered.

This has resulted in incorrect and harmful information on my credit report. I am requesting immediate investigation and removal of this inaccurate account from all credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries 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 2025-11-28 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 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 2025-11-28 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: IN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( XXXX ) 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 2025-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal has seized my funds on the most import week of our year. Profits have been negative all year. We've done a XXXX XXXX XXXXXXXX. PayPal says they need XXXX  days to review my accoun. 

We advertise that we ship SAME DAY! 
We use PayPal to pay our daily shipping. I can NOT pay my shipping, can't ship. Customers are demanding refunds, and I must comply on the week we could finally turn a profit after a terrible financial year. 

I wish to know what legal action I can take against PayPal. They've done this once before and realized it was their mistake after I went to the CFPB. 

They leave no method to find out how to immediately solve the issue, no phone number or person to contact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: GA

Complaint narrative:
Im writing you again regarding an unresolved dispute I submitted about inaccurate late payment ( s ) being reported on my credit file. Since you failed to correct or remove the account despite clear legal grounds, I have now submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ). This letter serves as a final demand for resolution before taking further legal steps. 

Account XXXX in Dispute : XXXX. XXXX Account Number : XXXX XXXX. Validate Account XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: Block, Inc.
State: MO

Complaint narrative:
Consumer Financial Protection Bureau Complaint Regarding Cash App Complainant : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Missouri, XXXX XXXX XX/XX/year> Company : Cash App / Square Financial Services Date of Incident : XX/XX/year> Amount Involved : {$60.00} SUMMARY OF ISSUE I am filing a complaint because Cash App misdirected my money to the wrong person, and I have not been able to obtain assistance or a resolution through the app. 


DETAILS OF THE INCIDENT On XX/XX/year>, I attempted to send {$60.00} to my repairman, XXXX XXXX, for completed repair work. His name and photo appeared correctly when I selected him in Cash App. 

When I tapped Send, the Cash App system changed the recipient, and the money was sent to a different individual, XXXX XXXX, whom I did not intend to pay. 

The payment note said repairs, which clearly shows the purpose of the transfer and indicates the funds were not a gift. 

The unintended recipient later admitted in writing that he received the money unexpectedly and that he spent it, even though he did not perform any repairs and knew the payment was not meant for him. 

I had to pay the repairman a second time out of my own pocket. 

ATTEMPT TO RESOLVE THE ISSUE I attempted to report the problem through the Cash App platform, but : There was no report category that matched the situation. 

The system did not allow me to explain that the money was misrouted due to an app error. 

I could not find any option that properly describes a transaction being sent to the wrong person despite selecting the correct recipient. 

I have not received assistance or reimbursement from Cash App. 


I am requesting that Cash App investigate the routing error and return the {$60.00} that was misdirected. 

REQUEST FOR CFPB ASSISTANCE I respectfully request that the CFPB, 1. Review Cash Apps handling of this misrouted payment 2. Require Cash App to investigate the routing error 3. Request that Cash App provide a written response and determination 4. Assist in recovery of the {$60.00} that was incorrectly sent to the wrong person Thank you for your help. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: The Savings Group, Inc.
State: WI

Complaint narrative:
On Wednesday XX/XX/year> I was checking XXXX  XXXX  when I was offered to pre qualify to reduce my current auto loan and refinance with a company called XXXX. 
Before I clicked continue to proceed with the application I specifically read their available terms and conditions as my intentions were to just pre qualify without a XXXX  inquiry to my credit. 
In their available terms it says Pre qualified rates available online in minutes with no impact to your credit. 
So I proceeded with the pre qualification. 
Once I clicked submit, I received multiple notifications from all of the credit monitoring apps I have ( XXXX XXXX XXXX XXXX XXXX ) etc that a new XXXX  inquiry had been added to my report. 
I did NOT consent to that. 
I called the company immediately to report what their terms says and what had occurred. 
The representative was unhelpful and adamant that I had agreed to a credit check when I clicked submit but the only terms available to me were those that reflected on XXXX  XXXX  and I even emailed the rep at her request with the screenshots of the beginning of the application. 
She told me there is nothing she can do and I advised her this is deceitful practices as I also work for a bank and am well aware of the XXXX XXXX XXXX XXXX. 
I am reporting this is hopes for remediation of the removal of the inquiry as well as fines punishable by law towards that company as I am baffled a financial institution can operate in such manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
Two accounts appeared on my credit report from this company that I have no knowledge of doing any business with I requested assigned contract from this company, but was not given a response. These two accounts are negatively affected my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: LA

Complaint narrative:
I am submitting this dispute regarding the following accounts on my Experian credit report. I request a thorough investigation into the accuracy of these accounts. 

Charged-Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$770.00} Inquiries : XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX Late Payments : XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : 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