vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Dear CFPB, I am submitting this complaint due to inaccurate and unverifiable information being reported by the credit bureaus on my credit reports, which I believe to be in violation of the Fair Credit Reporting Act ( FCRA ). 
Personal Background : I have been actively working to rebuild my credit and maintain a clean credit history. During this process, I noticed multiple errors and unverifiable information on my credit reports, including addresses I have never lived at and negative account reporting that lacks proper validation. 

Inaccurate Personal Information Wrong Addresses : The following addresses are being reported on my credit reports but are not associated with me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses are completely unfamiliar and unrelated to my residential history. Reporting such false addresses causes confusion, damages my credibility, and affects my creditworthiness. This violates 15 U.S. Code 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy in their reports. 

Unverified or Inaccurate Account Reporting : In addition to incorrect addresses, the following accounts are being reported negatively without proper validation : XXXX XXXX XXXX XXXX XXXX  Late payments reported Opened : XX/XX/XXXX Balance : {$330000.00} I have not received any written notice validating this debt as required under 15 U.S. Code 1681i. 

XXXX XXXX XXXX Charged off Opened : XX/XX/XXXX Balance : {$14000.00} XXXX requested verification, but none has been provided. 

XXXX XXXX XXXX XXXX Charged off Opened : XX/XX/XXXX Balance : {$700.00} This account is inaccurate and may have been a result of identity confusion. 

XXXX XXXX XXXX  In collections Opened : XX/XX/XXXX Balance : {$270.00} This item appeared without prior notice or validation. 

Violations of Federal Law : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) Failure to properly investigate disputed information.

15 U.S.C. 1681g Failure to provide full disclosure when requested.

15 U.S.C. 1681s-2 ( b ) Furnishers ' duty to correct and update inaccurate information.

Relief Requested : Remove all the incorrect addresses from my credit report. 

Investigate and delete all unverifiable and inaccurate accounts. 

Enforce compliance from the credit bureaus and furnishers in accordance with the FCRA. 

I am requesting your assistance to ensure that these matters are resolved promptly and that my rights under the FCRA are protected.

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 2025-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: MO

Complaint narrative:
XX/XX/year> I was scammed out of {$20.00}. Someone promised to send me a product in exchange. A few weeks later, I realized I was scammed. I tried reaching out to the person that scammed me to ask for a refund. I tried requesting a refund. I tried talking to Cashapp support. They refused to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RoundPoint Mortgage Servicing LLC
State: GA

Complaint narrative:
I have received a late payment on my credit report this is not accurate and was never late

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cascade Capital, LLC
State: TN

Complaint narrative:
I haven't signed any contract with CASCADE CAPITAL FUNDING LLC nor have I received any service from them. I have not given my permission to any third-party to distribute my personal information. I was a victim identity theft i filed the proper reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
This is in response to case # XXXX. In my first case, I contacted Midland Credit Management via CFPB portal to upload my letter that I was no longer disputing this account at the present moment and to contact XXXX XXXX XXXX XXXX to remove the dispute comment/remarks about me still disputing this account, because I am still in the process of getting a mortgage and the dispute wording on this account is preventing my loan approval. I included my simple letter stating everything above. Midland Credit Management responded and did not address my concern and the dispute remarks are still on all XXXX of my credit reports ( and probably some secondary credit reports ). Midland Credit Management stated " An investigation of this matter indicates that we are the owner of the above-referenced account, purchased on XX/XX/XXXX ''. I believe that Midland Credit Management 's response is a templated response, because it has nothing to do with why I contacted them. Also, I believe this clearly shows that they are not furnishing accurate information if they are still reporting that I'm disputing this account when I wrote to them on XX/XX/XXXX that I'm no longer disputing this account at this time. They are misleading new potential creditors into thinking I'm disputing this account by keeping that comment on my credit report when that is not accurate or true.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I was encouraged to open a XXXX credit card at checkout by a store associate, and I used it only once for that single in-store purchase. After receiving the card in the mail, I intended to set up autopay ( as I do with all my cards ), but I mistakenly forgot to activate it or revisit the account, as I wouldnt be using the card. 

This was an honest oversight not an attempt to avoid payment. I eventually paid off the balance in full ( including fees ), and I even overpaid the original transaction amount. 

Despite my otherwise spotless payment history, Comenity reported a 30 and 60-day late payments on this one small transaction, and has refused to remove the marks from my credit report. As a result, my credit score has dropped over XXXX points out of proportion to the severity of the mistake, and far beyond what seems fair for a one-time, low-dollar lapse. 

I have repeatedly asked for a goodwill adjustment, which many issuers offer in cases like this, especially when the consumer has made good on the balance. I am asking the CFPB to help review this case, as I believe the reporting is unnecessarily punitive and damaging to my long-standing good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
My Truist checking account fraudster. Amount {$1000.00} which plunded my account to negative with five {$35.00} fees ( total {$170.00} ) due to subsequent charges. I requested information on the findings, no response for 13 days, so I called Truist bank to ask for refund, where the missing fund went, bank transfer and account number info.No information on how the bank get to the conclusion that the fraud charges and all related fees will not be refunded or credited back to me.

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 2025-05-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/year>, an hard inquiry was placed on my credit report with all 3 credit bureaus for a credit card application with XXXX XXXX Banking. This inquiry was indeed not placed by me. Upon this finding and my credit score being decreased, I contacted XXXX XXXX, to have the credit application flagged as fraud and stopped, and an investigation is under way, I spoke with a supervisor and an agent who would not provide me with the details of this fraudulent credit application thats was placed in my name. After speaking with XXXX XXXX, I contacted XXXX  and submitted a dispute to have the hard inquiry removed from my credit report. In 72 hours it was removed. The hard inquiry is still showing on Transunion and also Equifax. I have called both credit bureaus to fill disputes for this fraudulent inquiry. Both Transunion and Equifax are still reporting this fraudulent inquiry on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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:
Experian, XXXX, and Equifax are in blatant and constant violation of 15 USC 1681i and 15 USC 1692g, having willfully failed to provide proper verification of a disputed collection account ( s ) despite multiple written demands. 
I am demanding that they delete the following accounts : Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Their continued noncompliance constitutes a direct breach of federal law and consumer rights. These accounts are not metro to compliance, and should've been deleted already.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ny XXXX XXXX XXXX XX/XX/year> Early Warning Services , LLC Attn : Consumer Services XXXX XXXX XXXX XXXX XXXX, AZ XXXX Request to remove accounts from Credit Consumers Dear Early Warnings I am writing to formally dispute the accounts listed on my credit report associated with my name, XXXX XXXX XXXX XXXX : XXXX ). I have previously sent multiple letters requesting proof of documentation for these accounts, specifically regarding the following : XXXX XXXX XXXX Account # XXXX Principal Loss : {$290.00} As per the Fair Credit Reporting Act, I have the right to request and receive verification of any debt reported on my credit report. To date, I have not received any proof or documentation supporting the validity of these accounts. 


Therefore, I request that these accounts be removed from my credit report immediately upon your receipt of this letter, as you are required to provide proof of the debt, which has not been furnished. 


Please investigate this matter and provide me with a written response regarding the removal of these accounts. If no documentation is provided to substantiate these debts, I expect these entries to be deleted from my credit report promptly. 


Thank you for your attention to this matter. I look forward to your prompt response. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Today is XX/XX/year>. I have a XXXX at Synchrony Bank that reaches maturity on XX/XX/year>. I went online to my Synchrony account to make sure it would not renew. I was given several different option to renew my XXXX  with different rates and terms, but was not given the option to cancel renewal. I called the service desk and spoke with a rep named XXXX, and then his supervisor XXXX XXXX XXXX said he would put in a ticket to ensure the XXXX  would not renew at maturity. I then requested written confirmation of the request and was told they would not provide onXXXX. Effectively, I have no evidence that this XXXX was not to renew. Synchrony could renew it and force me to pay a penalty to withdraw and I have nothing to hold them accountable for such an action. All other online XXXX  's I've held have given me the option to cancel a XXXX  's renewal within 30 days of maturity or sooner with clear display of what would happen at maturity in their online portal. The practice of not providing a XXXX  renewal opt-out option online, forcing customers to call and not providing written documentation of a XXXX renewal opt-out request is disingenuous and has the potential to be predatory.

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 2025-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NJ

Complaint narrative:
I am writing to formally request your assistance regarding a troubling and unresolved issue I have experienced with Chime, a financial technology company partnered with XXXX XXXX XXXX XXXX. or XXXX XXXX XXXX 

Following the submission of a dispute claim through Chime, both my checking and savings accounts were abruptly closed without any explanation. I received no prior notice or rationale for this action, nor was I given an opportunity to understand or respond to the decision. I have contacted Chimes customer service numerous times by phone to request clarity and to ask for a thorough review of my account activity, as I believe this closure may have been the result of a system error or misunderstanding.

Each time I spoke with a representative, I was told that my case would be escalated and that I would receive a callback. Unfortunately, I have never received any follow-up communication. To make matters worse, because my accounts have been closed, I am now unable to access or update my contact information within Chimes system. This has effectively left me unable to receive updates or advocate for myself through the usual customer service channels.

As a consumer, I believe I am entitled to transparency, due process, and clear communication, especially when it comes to financial matters that directly impact my access to funds and financial services. I respectfully request that the CFPB investigate this matter and take the following actions : Require Chime to provide a detailed explanation of the reason ( s ) for the account closures.

Request a comprehensive review of my account and the associated dispute.

Ensure that, if no violation of terms or policies occurred, my accounts are reopened or, at minimum, that I am provided access to any remaining funds and a full record of my account history.

I have made every effort to resolve this issue directly with Chime, but given the lack of responsiveness and communication, I believe external oversight is necessary to ensure this matter is addressed fairly and appropriately.

Thank you for your time and attention. I appreciate the work the CFPB does on behalf of consumers, and I hope your involvement will help bring this situation to a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: AZ

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent account on my report.Please remove these accounts from my report, they are hurting my ability to obtain credit XXXX XXXX XXXX XX/XX/year> EXPERIAN XXXX XXXX XXXX XX/XX/year> EXPERIAN XXXX XXXX XXXX XXXX XX/XX/year> EXPERIAN

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 2025-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My roommate reimbursed me for their portion of a security deposit on an apartment. XXXX  tagged it as a good or service and assessed a 2.99 % transaction fee. 

I'm neither a good or service, and when trying to contact XXXX, they have not been able to connect me to a live agent and their online instructions do not resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  List of Unauthorized Inquiries : EXPERIAN XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-17 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: IL

Complaint narrative:
This account was charge off on the following date XX/XX/year>, since then the account has repeatedly been updated as charge off every month. This is an update in the payment history. A charge off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitation. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account. 
Account name XXXXXXXX XXXX XXXXXXXX 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
Consumer complaint received 2025-05-17 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : XXXXXXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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