vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
My boss sent my paycheck to my chime account instead to my XXXX  account, so I transfered my hard working money to XXXX XXXX and Chime lost it .. and said they will not refund me and closed my case... I need my money for bills .. sent them proof of my checking account on XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ... because I did the transfer oXXXX XXXX XXXX XXXX XXXX  I just want my money back...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: WA

Complaint narrative:
I am submitting this follow-up complaint as my third formal dispute because Equifax, TransUnion, and Experian have still failed to correct multiple errors that I have repeatedly and clearly identified, despite my full compliance with all dispute requirements under the Fair Credit Reporting Act. At this point, my frustration is warranted, as the continued reporting of inaccurate, outdated, or unverified information reflects a clear breakdown in your reinvestigation obligations. Specifically, the XXXX  XXXX account ending in XXXX with a reported balance of {$740.00} and the XXXX XXXX XXXX XXXX account ending in XXXX with a reported balance of {$8300.00} remain inaccurately maintained, along with incorrect address information including XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, which are not properly associated with me. Your failure to correct or delete these inaccuracies violates FCRA 607 ( b ) ( maximum possible accuracy ), 609 ( a ) ( right to full and accurate disclosure ), 611 ( a ) ( reasonable reinvestigation ), and 623 ( a ) ( 1 ) ( A ) ( prohibition against reporting information known or that should be known to be inaccurate ). These errors have persisted through multiple disputes, raising serious concerns that no lawful or reasonable reinvestigation has occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
On XX/XX/year>, I attempted to withdraw cash from an ATM located at XXXX XXXX XXXX XXXX, XXXX, CA. The ATM displayed an on-screen error and did not dispense cash. 

Despite not receiving any funds, my debit card was charged {$500.00}. I immediately documented the ATM error by taking photos of the screen and submitted this evidence when filing a dispute with Current. 

Current completed their investigation and denied my claim, stating that ATM logs showed no error and that funds were dispensed. However, the denial did not address or explain the visual evidence of the ATM malfunction that I provided. 

I am requesting that this matter be reviewed, that Current provide a detailed explanation of the ATM log data used, and that the disputed funds be returned since no cash was received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: SC

Complaint narrative:
I am submitting this follow-up complaint regarding the continued inaccurate reporting of my XXXX  XXXX account ending in XXXX, which reflects a XXXX balance and was paid in full as of XX/XX/XXXX. Despite this account being opened on XX/XX/XXXX and consistently maintained in good standing, my credit report incorrectly shows late payments for XX/XX/XXXX ( 30 days ), XX/XX/XXXX ( 60 days ), and XX/XX/XXXX ( 30 days ). I have reviewed my account statements, payment confirmations, and account history, and there is no evidence of any missed or late payments that would support this reporting. This information is materially inaccurate and harmful, as it misrepresents my actual payment behavior. Under the Fair Credit Reporting Act, specifically XXXX U.S.C. 1681i, consumer reporting agencies are required to conduct a reasonable reinvestigation of disputed information and correct or delete inaccurate data. Additionally, 15 U.S.C. 1681s-2 ( a ) ( 2 ) and ( b ) obligate furnishers, including XXXX  XXXX XXXX XXXX accurately report account information and to investigate and correct errors once notified of a dispute. Furthermore, 15 U.S.C. 1666 and 1666a provide consumer protections regarding billing accuracy and prohibit adverse reporting during unresolved 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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: MD

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: SC

Complaint narrative:
I am submitting this follow-up complaint regarding the continued inaccurate reporting of my XXXX  XXXX account ending in XXXX, which reflects a XXXX balance and was paid in full as of XX/XX/XXXX. Despite this account being opened on XX/XX/XXXX and consistently maintained in good standing, my credit report incorrectly shows late payments for XX/XX/XXXX ( 30 days ), XX/XX/XXXX ( 60 days ), and XX/XX/XXXX ( 30 days ). I have reviewed my account statements, payment confirmations, and account history, and there is no evidence of any missed or late payments that would support this reporting. This information is materially inaccurate and harmful, as it misrepresents my actual payment behavior. Under the Fair Credit Reporting Act, specifically XXXX U.S.C. 1681i, consumer reporting agencies are required to conduct a reasonable reinvestigation of disputed information and correct or delete inaccurate data. Additionally, 15 U.S.C. 1681s-2 ( a ) ( 2 ) and ( b ) obligate furnishers, including XXXX  XXXX XXXX XXXX accurately report account information and to investigate and correct errors once notified of a dispute. Furthermore, 15 U.S.C. 1666 and 1666a provide consumer protections regarding billing accuracy and prohibit adverse reporting during unresolved disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: NY

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: LA

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 2025-12-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
CFPB Complaint XXXX XXXX XXXX ( No change, but cross-referenced to XXXX  ) To the Consumer Financial Protection Bureau, I am submitting this complaint regarding XXXX  XXXX XXXX and multiple financial institutions that relied on inaccurate, incomplete, and unverified consumer report data to deny or restrict my access to banking services. 

My XXXX  report reflects multiple inquiries and adverse determinations allegedly based on public record information, with XXXX  stating that XXXX XXXX XXXX was utilized. However, no specific public record, jurisdiction, case number, or factual basis has been disclosed to me. 

Despite this lack of disclosure and verification, the following institutions relied on this information : Webster Bank XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I believe these practices violate the Fair Credit Reporting Act, including failures to ensure accuracy, provide meaningful disclosure, and conduct lawful reinvestigations. These actions have resulted in denial of basic banking services and financial harm. 

I respectfully request CFPB intervention to require full disclosure, correction, and deletion of any unverifiable information. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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:
I am filing this complaint NOT because of identity theft but because EQUIFAX has failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA specifically 15 U.S.C. 1681i, regarding the investigation and resolution of disputed inaccuracies on my credit report. I discovered inaccurate and/or unverifiable information on my credit report, including the following accounts : Account Name : XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Name : XXXX  XXXX Account # XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Account Name : XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Name : XXXX  XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
This debt collector has engaged in unjustifiable and unlawful practices in direct violation of the Fair Debt Collection Practices Act ( FDCPA ). 

They furnished and attempted to collect on an account that I never agreed to, never authorized, and never signed a legal contract for. A valid and enforceable contract requires the agreement and signature of both parties. I did not participate in any such agreement, nor did I consent to this account in any form. 

In addition, this debt collector failed to follow the proper XXXX-step debt validation procedure required under federal law. I was never provided with lawful, competent, or sufficient validation of this alleged debt. Instead, I have been subjected to inaccurate reporting, harassment, and unnecessary financial and emotional distress. 

This situation has been extremely overwhelming for me and my family. I have been doing everything in my power to improve my financial situation, take responsibility for my obligations, and move forward in a positive direction. Seeing this unverified and unauthorized account continue to damage my credit has caused me a great deal of stress, anxiety, and sleepless nights. It is discouraging to feel powerless while my financial future is being affected by something I did not create and can not control. 

Under the FDCPA, I am entitled to compensation for these violations. The actions of this debt collector constitute a clear abuse of my consumer rights and privileges. 

I hereby demand the immediate and permanent removal of this account from all credit reporting agencies. Failure to comply will leave me no choice but to pursue all legal remedies available to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXXXXXX $ keep on coming in my credit i have done a police report my identy was stolen.. 

XXXX  # XXXX XXXXXXXX XXXX XXXX XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXXXXXX $ keep on coming in my credit i have done a police report my identy was stolen.. 

XXXX  # XXXX XXXXXXXX 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 2025-12-26 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: IN

Complaint narrative:
A collection account from XXXX XXXX XXXX XXXX XXXX ( for original creditor XXXX XXXX IN ) is being reported inaccurately on my credit reports with TransUnion and Experian. 
TransUnion reports a balance of {$1800.00} ( updated XX/XX/year> ). 
Experian reports a balance of {$1800.00} ( updated XX/XX/year> ). 
This {$4.00} discrepancy across the XXXX major credit bureaus demonstrates that the reported balance is not accurate, complete, or verifiable, violating the Fair Credit Reporting Act ( FCRA ) requirement for furnishers and credit reporting agencies to ensure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) and to conduct reasonable investigations of disputes ( 15 U.S.C. 1681i ).

The inconsistent reporting is harming my credit score and ability to obtain credit. I request that XXXX XXXX XXXX ( or the bureaus ) correct the balance to be consistent or delete the account entirely if it can not be fully verified.

I have attached excerpts from both credit reports highlighting the account and the differing balances.

I previously disputed this with [ TransUnion/Experian ], but they verified it as accurate without resolving the clear inconsistency.

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Block, Inc.
State: MO

Complaint narrative:
cash app just closed my account for some reason and won't explain the issue so I could fix the problem. instead they tell me nothing and said they have the right not to disclose information. I did nothing wrong and paid on time and everything and when my account was hacked I told them about it and win I finally got my account back they closed my account for someone else stealing my account. they said I can never ever open a cash app account ever again. I need this account because a lot of games I play and get paid by only use cash app please help to figure out away I can get my account back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: PA

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which requires the reporting of 100 % accurate information. Ive suffered harm due to these violations and am entitled to resolution in the form of deletions. The accounts in my attached letter are not accurate, and I demand their immediate removal. I am a single mother who deserves to succeed in life but can't due to poor credit because of these things affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: WI

Complaint narrative:
TD Bank is reporting a charged-off credit card account while simultaneously allowing multiple third-party collection agencies to attempt collection. TD Bank confirmed the account was charged off on XX/XX/year>, for {$2400.00} and transferred to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. 

Despite this, only TD Bank appears on my credit report. No collection agency reports the account, and none have provided proof of assignment or authority to collect.

This reporting is misleading, inaccurate, and unverifiable. It violates the Fair Credit Reporting Act and Wisconsin Consumer Act by creating a false impression of legal liability and failing to ensure maximum possible accuracy.

I request deletion of the tradeline or full documentary proof of ownership and authority.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: NY

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