vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 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: IN

Complaint narrative:
I am asking for your help to review accounts from these companies that are wrongly reporting late payments. After reviewing my credit report, I noticed some accounts showing incorrect late payment marks. There should be no late payment remarks on these accounts, so please remove them and update the accounts to show as positive and current.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: TX

Complaint narrative:
Predatory and Misleading Practices by Chimes XXXX  Feature I am filing a complaint regarding the deceptive and potentially predatory practices associated with the XXXX feature offered by Chime. 

The XXXX feature is marketed as a paycheck advance service that allows consumers to access a portion of their direct deposit early, based on their income. However, it is important to note that this is not a traditional line of credit from a bank. Instead, Chime advances funds and then collects repayment, along with associated fees, directly from the consumers next direct deposit. 

The repayment is taken in full from the incoming direct deposit before the consumer has access to their remaining funds. After repayment, Chime disburses small daily payments to the consumer rather than the full approved advance amount. This practice reduces the consumers access to their own paycheck and creates a cycle of dependency, which is particularly harmful to individuals in financial distress. 

This system is fundamentally flawed and misleading for the following reasons : 1. Lack of Transparency : Chime does not clearly disclose that repayment will be taken in full before the consumer receives any remaining funds from their paycheck.

2. Predatory Structure : By withholding the full advance and issuing small daily amounts instead, Chime effectively controls the consumers access to their own money, creating unnecessary hardship. 
3. Lack of Consumer Control : While the XXXX feature must be manually activated, it can not be turned off through the app or online interface. Consumers must call Chime to request deactivation. Even then, Chime may retain funds and delay deactivation, refusing to return money already deducted from the consumers paycheck.

4. Questionable Legality : The entire repayment structure appears to operate outside the protections typically afforded to consumers under traditional credit or lending arrangements, raising concerns about regulatory compliance and fairness. 

This practice exploits consumers who are already in need of financial assistance. The funds advanced are not Chimes to begin withthey come from the consumers paycheckyet Chime uses these funds to charge fees, control disbursement, and limit access without adequate disclosure or consent.

I urge the Federal Trade Commission to investigate Chimes XXXX feature for deceptive practices and to consider whether this repayment structure violates consumer protection laws or constitutes an unlicensed and unregulated form of lending. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I was sent {$25.00} by Cash App on XXXX the XXXX and withdrew it XXXX the XXXX. It didnt go through because their system had failed. On that same day I sent my grandson {$25.00} from my checking account. I have inquired about the missing money and each time, it was something different. First XXXX  times they acknowledged the system failed and kept saying they would investigate. So today I got an email saying that the {$31.00} dollars was deposited in my account. I wasnt complaining about that amount, it was the {$25.00} from XX/XX/year>. Today I spoke to different people and he didnt see anything of the {$25.00} even being posted as failed. He asked me to send him a screenshot but he didnt send a legitimate email. Then I spoke to this lady and she said that I had gotten the money already. I asked her why it not showing up in my bank account that I cashed it out. She tried to justify it as when I sent the money to my grandson, I used it then. I know they are lying because every time I withdraw from them, its on the account records. They tried to take my deposit last month but they ended up giving it back. Its not a lot but its the principal of them trying to take something doesnt belong to them. All I ask to show me on my account sheet where the {$25.00} was deposited back to my account after the failed attempt. Their system had a problem that day and they never returned the money back. I had over XXXX deposits in my account and I feel they didnt think I would miss {$25.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: NH

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 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 2025-05-29 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: Horizon Digital Finance Holdings, Inc
State: NY

Complaint narrative:
I am writing to file a complaint regarding a hard credit inquiry that was performed on my credit report without my full understanding or consent.

On [ insert exact date ], I visited a loan prequalification site hosted by Horizon Digital Finance LLC ( HDF ), under the impression that submitting the prequalification form would only result in a soft credit check. Their disclosures stated that HDF would only perform a soft inquiry and that any potential lenders may perform soft or hard inquiries depending on their practices.

At no point did I complete a full loan application with any specific lender or authorize a hard credit pull. However, I was later notified that a hard inquiry appeared on my credit from XXXX XXXX. 

I feel this practice is misleading and deceptive, as the distinction between a prequalification and a full credit application was not made clear, and the impact of submitting the form was downplayed. 

I am requesting the CFPB to investigate the conduct of Horizon Digital Finance and its lending partners regarding this credit inquiry, and to assist in having the unauthorized hard inquiry removed from my credit file. 

Thank you for your assistance.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: CA

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on 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 2025-05-29 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: AZ

Complaint narrative:
Several companies have accessed my credit report without my authorization, resulting in harm to both my credit file and credit score. I previously brought this issue to the attention of the credit reporting agency, and a representative assured me that these unauthorized inquiries would be removed. Despite this, they continue to appear on my report.

These unauthorized and potentially fraudulent inquiries are deeply troubling and raise serious concerns about possible identity theft. The ongoing presence of these items is causing undue XXXX  and continues to negatively impact my financial stability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: CA

Complaint narrative:
This is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

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 2025-05-29 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: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
ON XX/XX/XXXX WELLS FARGO AUTHORIZED 2 CASH ADVANCE ON 2 SEPERATE CREDIT CARDS THAT I WERE LOCKED WITH OUT AUTHORIZATION. I HAVE NEVER AUTHORIZED CASH IN ADVANCE IN MY LIFE. 
PLEASE SEE ATTACHED FILES FOR THE DOCUMENTS. 
THIS IS DEFINITION OF FRAUD AND WELLS FARGO REFUSES TO RESOLVE THIS ISSUE WITH ME. IN FACT, THE REPRESENTATIVE FROM THE EXECUTIVE DEPARTMENT OF WELLS FARGO THOUGHT THE CARD WAS A DEBIT CARD. I AM REFFERRING TO THE CREDIT CARD ENDING IN ( XXXX ) IS THIS A JOKE? THE REPRESENTATIVE SAID THAT SHE IS NOT WITH THE CREDIT CARD SIDE. SHE IS FROM THE CHECKING/SAVINGS ACCOUNT SIDE. 

I AM A HUSBAND AND A FATHER TO MY SON. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. WELLS FARGO HAS PUT ME IN A FINANCIAL BURDEN FOR A TOTAL OF {$15000.00}. 
PLEASE HELP ME RESOLVE THIS MANNER!

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 2025-05-29 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: NJ

Complaint narrative:
Experian Dispute Department XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Reporting XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute inaccurate information reported by XXXX XXXX XXXX  to Experian. The account opened on XX/XX/XXXX, is showing a {$19.00} past-due balance and XXXX delinquency as of XX/XX/XXXX, which is incorrect and harmful. This may be a reporting error or a result of identity theft, which I am actively investigating.

Under 15 U.S.C. 1681i, I request that Experian reinvestigate and remove any unverifiable information. XXXX XXXX is also obligated under 15 U.S.C. 1681s-2 ( a ) to report only accurate data. Additionally, under 15 U.S.C. 1666, this letter serves as a formal billing error dispute. Please investigate the reported delinquency and correct or remove the entry as required by law. 
I have included a copy of my ID, proof of address, and a screenshot of the disputed account. Please respond in writing with the results of your reinvestigation within 30 days. If this issue is not resolved, I will file complaints with the CFPB and FTC. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Citicards CBNA is reporting on my credit report and charged off and closed account that I am not the primary account holder. I filed a dispute with XXXX  but the company never removed this negative information from my XXXX  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 non-monetary relief
Consumer complaint received 2025-05-29 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very XXXX  that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : 1.XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date XXXX2022 Balance : {$140.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
b'This company is trying to take legal action over old debt. Please see attached'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: LEXISNEXIS
State: NC

Complaint narrative:
FCRA 604 ( 15 US CODE 1681B ) FCRA 611 ( 15 US CODE 16811 ) FCRA 609 ( 15 US CODE 1681G ) i am writting to formally report identity theft and request the removal of inaccurate fraudulent negative outdated and incomplete items from XXXX XXXX XXXX XXXX LEXIS NEXUS XXXX XXXX XXXX XXXX, all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION 623 ( a ), SECTION 605 ( b ), i an entilted to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT . According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. 2016 ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed below : ARE : 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 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 ACCOUNTS WERE OPENED FRAUDULENTLY WITHOUT MY AUTHORIZATION AND INQUIRES ARE FRAUDULENTLY MADE WITHOUT MY AUTHORIZATION. PER FCRA 605B ( 15 U.S.C 1681c-2 ) YOU MUST BLOCK AND DELETE WITHIN 4 BUSINESS DAYS OF THIS THEFT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: TX

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under XXXX USC XXXXg ( Section XXXX ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating XXXX USC XXXXc ( Section XXXX ( c ) ). 
Harassment under XXXX USC XXXXd ( Section XXXX ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under XXXX U.S. CXXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: TX

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under XXXX USC XXXXg ( Section XXXX ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating XXXX USC XXXXc ( Section XXXX ( c ) ). 
Harassment under XXXX USC XXXXd ( Section XXXX ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under XXXX U.S. CXXXX 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 2025-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
why the balance keep going up and its wasn't what i owed when they closed the account.and i asked for tax form since the debt was already paid off

Company response to consumer: Closed with explanation