vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/year>, I mistakenly sent {$1500.00} via XXXX from my Chase account to XXXX XXXX, a member of SchoolsFirst Federal Credit Union. XXXX XXXX acknowledged in writing that she received the funds in error and initially agreed to return them. She attempted to process a refund through XXXX, but the return payment was placed on hold by XXXX and ultimately cancelled. Since then, she has stopped communicating and has knowingly kept funds that she admitted do not belong to her. 

XXXX XXXX  submitted a XXXX XXXX XXXX request to SchoolsFirst, but SchoolsFirst has failed to take meaningful action to ensure those funds are returned. XXXX has stated that they have no further ability to recover the money and that the responsibility for returning these funds now rests entirely with SchoolsFirst as the receiving institution.

This is not simply an authorized XXXX transfer. It is now a case of theft by conversion and unjust enrichment by a SchoolsFirst member. The recipient has acknowledged that the funds were sent in error and is knowingly retaining them, and SchoolsFirst is the only institution with the legal access and authority to facilitate the return of those funds or take corrective action against their member.

I have already filed a police report and escalated through XXXX, XXXX, and the CFPB. XXXX denied my claim twice and confirmed that they contacted SchoolsFirst, but SchoolsFirst did not facilitate the return. With all other avenues exhausted, it is clear that SchoolsFirst is now the only party in a position to resolve this matter.

I am asking SchoolsFirst to : ( 1 ) immediately contact the member and require resolution, ( 2 ) facilitate the return of funds through XXXX or another method, and ( XXXX ) escalate this to their fraud and compliance teams so that a SchoolsFirst member can not knowingly retain funds that do not belong to them.

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 2025-07-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TAG Intermediate Holding Company, LLC
State: TX

Complaint narrative:
I bought a car from Tricolor Auto Group LLC, in XXXX, TX. I had been making payment on time but unfortunately got into a car accident. They required that I get insurance through them ( the car dealer has there own insurance ) so I did. When I got into the accident they got the car and claimed it total loss. Never gave me information on repairs, cost, or how much they where gon na get paid from the insurance company. They still have my loan open on my credit report even though I have 3 months that I do not have that car. They refuse to close it even after they got paid from the insurance company. Please help me they are not closing my loan and they have been paid by the insurance, plus they never gave me information on how much was paid out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-07-25 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: FL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Complaint Title : Unauthorized Seizure of Funds by Chase Bank What happened : I maintained a checking account and savings account with Chase Bank. On [ insert date ], I had a balance of {$200.00} in my checking account and {$200.00} in my savings account, for a total of {$400.00} from my current earnings. 

Shortly after my deposit, my account suddenly showed a negative balance of - {$6500.00}. This was shocking, as I did not authorize any transaction or have any debt with Chase that would justify such a withdrawal. 

Upon contacting my local branch, I was told the money was removed to cover an alleged debt tied to XXXX  XXXX XXXX from over XXXX  years ago. I was given a lawyers phone number but received no answer despite repeated attempts to contact them. I also emailed Chase Executive Office with no response.

I recorded a conversation with the bank branch president confirming that it was out of their hands. Eventually, the lien was lifted and my account was restored, but the {$400.00} of my personal earnings was never returned.

I am requesting : 1. Full reimbursement of the {$400.00} that was wrongfully removed.

2. A written explanation of why my funds were seized without authorization or notice.

3. Confirmation that this was not reported against my credit.

I have emails, photos of my account, and a recording of the bank manager to support my claim.

Resolution Requested : Immediate return of my {$400.00} and a written explanation from Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: OK

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I would like any outdated and unverified accounts deleted

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I would like any outdated and unverified accounts deleted

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 2025-07-25 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: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Bondage Final Rule XXXX ( b ) ( XXXX ) - ( XXXX ) -- -- -- XXXX ( b ) ( XXXX ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to XXXX ( b ) ( 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 2025-07-25 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: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
Issue : Debt collection - Took or threatened to take legal action Company : LVNV Funding, LLC / Resurgent Capital Services What happened : I am refiling a complaint because my original complaint ( # XXXX ) was marked closed before I could submit a response to the companys reply. LVNV Funding/Resurgent Capital Services is attempting to garnish my wages without ever providing proper validation of the alleged debt.

I never received : A copy of the original signed agreement A full and itemized payment history Documentation showing chain of assignment from the original creditor ( XXXX ) to LVNV Funding Verification of their legal right to collect this debt This violates the Fair Debt Collection Practices Act ( FDCPA ). I also was not properly served with a court summons before judgment was entered against me in case XXXX in XXXX XXXX XXXX Virginia. 

I am now preparing to file a Motion to Vacate the judgment due to lack of proper service. 

I request the CFPB reopen this matter or initiate a new investigation into whether this debt was legally validated, and whether my rights under the FDCPA and state law were violated. I also request the account be removed from my credit report pending full and proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: FL

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( XXXX & XXXX 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 2025-07-25 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: FL

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( XXXX & XXXX XXXX XXXX XXXX XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
CFPB COMPLAINT DRAFT Experian Subject : Experian reporting unverifiable and inaccurate information in violation of the FCRA To whom it may concern, I am filing this complaint because Experian is reporting inaccurate, incomplete, and unverifiable information on my consumer credit file in violation of the Fair Credit Reporting Act ( FCRA ). 

I submitted disputes to Experian regarding the following accounts : XXXXXXXX XXXX XXXX XXXX XXXXXXXX ), XXXX. multiple late payments and charge-offs XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Solutions education loan account XXXX paid and closed but still negatively affecting my file These accounts are being reported with delinquency, charge-off, or derogatory remarks that are unverified, potentially inaccurate, and harmful to my credit profile. 

Under FCRA XXXX ( a ) ( XXXX ), I have the right to request the source and original documentation of the negative items being reported. To date, I have received no such verification. 

Additionally, under FCRA XXXX ( a ) ( XXXX ) ( A ), Experian is required to conduct a reasonable investigation and correct or delete any information that can not be verified. Instead, Experian responded to my dispute by falsely claiming they did not believe the dispute came from me, and refused to investigate which is a clear violation of my consumer rights. 

If Experian can not verify the legitimacy of the reporting from XXXX  XXXX, XXXX XXXX, and XXXX, then all derogatory data associated with these accounts must be removed from my report under FCRA XXXX ( a ) ( XXXX ) ( A ). 

Furthermore, if these accounts were accessed, reported, or re-reported without permissible purpose, this constitutes a violation of FCRA XXXX ( a ) ( XXXX ). 

I am requesting the Consumer Financial Protection Bureau require Experian to : Conduct a lawful reinvestigation into the accounts listed above Remove all unverifiable and inaccurate late payments, charge-offs, and derogatory remarks Confirm the results of the investigation in writing Thank you for your attention to this matter.

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 2025-07-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
My Target Red Card was used for a fraudulent charge on XXXX in Washington state but I live in Pennsylvania. XXXX charges were declined ( one at Target and XXXX at XXXX ) but then a third charge was allowed to go through at a different XXXX. XXXX XXXX flagged this third charge as fraudulent and I responded within an hour to report it as such. Now on XX/XX/year> I called to see why the charge was still on our account. I was provided a fraud reporting form and this form had not been referenced before this point. I am being told it will take the 90 days to review and until then, the charge will stay on the credit card. It is the only transaction making up my balance. I was also told I would have to make a minimum payment against this fraudulent charge or I would be reported as missing a payment. 

The only place this card has been used is at our local Target and Target.com. It is my opinion that Target is responsible for losing my sensitive cardholder data. I was told by the representative that they are experiencing " an unprecedented amount of fraud reports ''. To me it seems like they are at the center of the issue. It seems implausible that an unprecedent volume could originate through information being stolen from multiple sources. It's almost like someone would have had to steal large sums of data from XXXX XXXX XXXX 

I explained this and that it was frustrating that my credit would be impacted for a charge that was reported as fraudulent. After XXXX calls, and only apologies from XXXX XXXX, no resolution was made until they could complete their 90 day review. Instead I choose to pay the charge and close the account to protect my credit I have worked hard to build. I am also discontinuing my patronage at Target since they have a poor history of protecting sensitive information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
CCS is a company that does not care to follow proper collection rules or procedures.

I asked for simple validation of debt the company could not provide that or any documentation from the original creditor that they are now authorized to collect.

I never did any business with this company and they dont possess proper information, however they keep showing up on my report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: IL

Complaint narrative:
Please assist me in initiating an investigation regarding these accounts, as they are inaccurately reflected on my credit report. Under the provisions of USC 1681g, I am formally requesting their removal within the next 15 days. I have attached all necessary documentation for your review. Additionally, the data reported for these accounts is inconsistent across the three credit bureaus and contains several discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name 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

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 2025-07-25 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: NC

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 explanation
Consumer complaint received 2025-07-25 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: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief