vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: ND

Complaint narrative:
so on and around XX/XX/year>, i work up to my phone device flashing so i immediately went to my email and i couldnt log in, so on XX/XX/year> i call cash app ' and i notice then that someone had change my email password to XXXX so i went to log in to my sencondary email, XXXX and notice i couldnt log in to that account either but i was was told by a Cash app agent to log out of the account and when i did that. he, the agent said tell him the cash user name gave that to him and he said my amount was tell up there but i, had to fine away to log into XXXX but i said to him i couldnt get into either. XXXX cash app was reading its was having some techical, issues, and today XXXX same problems this isnt right and my money is still up on cash app thats now reading disable

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: U.S. BANCORP
State: CO

Complaint narrative:
I applied for a U.S. bank card with 24 months no interest on XX/XX/year> around XXXX. I got a message stating Thanks for applying. You'll hear from us soon. We're looking over your application and may ask you to provide additional info or documents. You'll certainly hear from us by mail once we have a decision, usually in 7 to 10 business days. Working in finance, I knew to call them to see what they needed to speed up the process. I called the number XXXX someone answer after about XXXX mins. Told me I needed to speak with fraud. Transferred me to I dont know where. I waited on hold for an hour. I ended up using my person phone to call a different number ( XXXX ) XXXX. They told me I needed to call XXXX and wasnt sure why I was on hold for an hour as wait time is showing as 20 mins. I said okay thanks hung up and called the number ending in XXXX. I waited on hold for another hour. I hung up again and called back the number ending in XXXX. Someone answered and needed put me on hold. Ended up being on phone with them for 45 mins just for them to not be able tell me anything and tell me my only option is to call the number ending in XXXX. This is complete XXXX that my credit was pulled. I wasted three hours Ill never get back on hold trying to verify whatever they needed verified. But when a man applies they get a higher limit and approved immediately. So so sick of this. It makes me not even want a card with them but not I have a credit inquiry on my file from them. My credit is great. XXXX. It was un frozen at time of application and re frozen right after application. No debt no late payments. Long credit history. Discriminatory practices and messing with peoples credit inquiries just to not get told anything is ridiculous. I was also asked for my reference number but wasnt even given one when I applied!

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 2025-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: DC

Complaint narrative:
I never owed XXXX XXXX any money. I have been transferring over XXXX into my accounts for spending and never requested a XXXX XXXX from Chime. So when my military veterans XXXX XXXX  arrived they quickly stole XXXX $ and claimed it was for a XXXX XXXX request. The bank stole XXXX and tried to keep it claiming it was for XXXX XXXX when I never asked for any XXXX XXXX in XXXX the bank Chime stole from my bank account just now. I never authorized any XXXX XXXX transactions. I transfer XXXX a week into my account and never asked for XXXX XXXX the bank quickly stole my va military veterans XXXX  and claimed I used XXXX XXXX  when they stole it. They need to reissue my {$360.00} they stole from me while I was in the hospital I dont have a job to qualify for a XXXX XXXX transaction so while I was in the hospital they advanced a XXXX XXXX to an account that has to employment to qualify for a XXXX XXXX transaction. You need a job listed on your account in order to request a XXXX XXXX you need qualifying deposits from a place of employment into chime account. No employment is on my account to qualify for a XXXX XXXX request so in XXXX I was in the hospital Chime requested a XXXX XXXX  and claimed someone on my device stole it when I dont qualify to receive XXXX XXXX on my account I never listed a job on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: PA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I received messages that My information was released into the data breach, i noticed multiple accounts that were not authorized by me, I have not authorized these accounts and I am victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I am submitting this follow-up complaint regarding fraudulent information on my credit report that remains unresolved, despite my previous complaint filed 30 days ago. I am disputing this information pursuant to 15 U.S.C. 1681c-2 and again request that the fraudulent/unauthorized accounts listed below be blocked or removed immediately. 

I have attached a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 

Under 15 U.S.C. 1681c-2, credit reporting agencies are required to block any information identified by the consumer as fraudulent within four ( 4 ) business days of receiving an identity theft report. However, despite my prior complaint and multiple attempts to resolve this issue directly with TRANSUNION, the following fraudulent accounts remain on my credit report : XXXX - XXXX, XXXX OF XXXX - XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX These accounts are fraudulent and must be blocked immediately. The continued presence of these accounts is severely damaging my creditworthiness and is preventing me from purchasing a home and accessing essential financial services to support my family and economic stability. 

I have requested verification and copies of contracts related to these accounts from the reporting company, but after more than 60 days, I have received no response. Additionally, these accounts have been removed by other credit reporting agencies due to lack of verification, yet TRANSUNION continues to report them as mine without proper validation. 

I respectfully urge the CFPB to intervene and ensure that TRANSUNION complies with federal law by blocking these fraudulent accounts immediately and providing me with confirmationofsuchaction.

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 2025-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
CREDIT is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank 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 explanation
Consumer complaint received 2025-10-27 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: MS

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a XXXX bureau table. Please assist me in getting this issue resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: MS

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a XXXX bureau table. Please assist me in getting this issue resolved.

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 2025-10-27 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: TX

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 explanation
Consumer complaint received 2025-10-27 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:
Dear TransUnion 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 FRAUDULENT INQUIRIES : XXXX - XX/XX/year> 2024

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: VA

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
XXXX  is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX  is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-10-27 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
PLEASE NOTE : This complaint is not a duplicate of the complaint filed under Complaint ID : XXXX. 

Herein I am disputing responsibility for cleaning fees in the amount of {$160.00} and damage to a wall in the amount of {$140.00}. 

I was in XXXX XXXX for approximately XXXX and a half years. At the time I vacated, the apartment was left clean and in the same condition as it was upon move-in. I paid to have the unit cleaned and patched any and all nail holes and/or any evidence of removal of XXXX XXXX strips, which use is permitted pursuant to the lease agreement. Attached are some of the photos that demonstrate the move-out condition. 

With respect to the damage claimed for repairing a hole in the wall, I have not received any photos or identifying information. Management  's agent provided an invoice from XXXX XXXX XXXX XXXX XXXX ; however, the invoice is not accompanied with photos or specify the wall on which the repair work was done. 

California Civil Code 1950.5 governs residential security deposits, establishing specific rules for landlords regarding the maximum amount they can charge, how the deposit may be used, and the procedure for its return. Management  is permitted to charge for cleaning when the reason for cleaning is beyond normal wear and tear. This was not the case. The unit was left clean and removed of all personal items. I contend that the unit had to be cleaned and sanitized after the painting work was completed. 

Management also failed to offer a timely move-out inspection, as required by California law XXXX I provided notice of my intent to vacate according to the terms of my lease. The management did not offer a pre-move-out inspection until XX/XX/2025 -- the day my lease ended and after the unit was already vacated. Management 's failure to offer a timely move-out inspection denied me the right to dispute damage or make other repairs, if they were legally warranted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I opened a Chase College and Savings account on XX/XX/year>, with the offer of a {$120.00} bonus after completing 10 qualifying debit card transactions. I successfully completed all 10 transactions by XX/XX/year>. The promotional terms clearly stated that after fulfilling the requirements, Chase would deposit the {$120.00} bonus into my account within 15 days.

When the bonus did not post, I contacted Chase multiple times on XX/XX/XXXX and XX/XX/XXXX, and I was told that the bonus usually shows up within 2 weeks or up to a month, so I simply needed to keep waiting. I relied on this guidance from Chase employees. I attempted to contact the branch again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but no one answered the phone. Because I could not reach anyone, I went to the branch in person on XX/XX/XXXX ( XXXX XXXX XXXX XXXX, XXXX, TX XXXX ). 

At the branch, I was told I was too late and that I should have visited within 60 days if the bonus did not post. However, this requirement does not exist anywhere in the promotional terms or disclosures. The only stated requirement was to complete 10 qualifying transactions within 60 days, which I completed immediately and well within the timeframe. Chase is now enforcing an undisclosed rule to deny a bonus that I fully earned.

I completed every requirement correctly, followed all instructions Chase gave me, and Chases own delays prevented earlier resolution. At this point, it feels like Chase used the bonus promotion to get me to open the account, then created a reason not to pay what they promised, which feels like a scam toward customers who follow the rules.

I am requesting Chase to deposit the {$120.00} bonus that I fully qualified for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-27 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 filing this complaint because the consumer reporting agency has failed to comply with its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ). This provision requires the agency to provide a detailed description of the reinvestigation procedures used to verify disputed information when requested by the consumer. I specifically requested the name and contact information of the furnisher, the identity of the individual with whom the agency communicated, and the documentation relied upon to verify the accuracy of the disputed account. The agency did not provide this information within the 15-day period required by law. This lack of response constitutes a clear and direct violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief