vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing this complaint regarding a loan account that is being reported and enforced fraudulently. This matter is currently in arbitration due to violations of the Truth in Lending Act TILA and applicable consumer protection laws. 

The creditor and associated parties are unable to validate the loan or produce a lawfully executed contract. I was never physically present at the dealership, nor did I sign the retail installment contract or any documents used to secure funding for this loan. 

Under FCRA Sections 611 and 623, the furnisher is required to report only accurate and verifiable information. Despite disputes, they continue reporting without providing competent evidence of authorization. Under UCC Sections 3 401 and 3 403, a party is not liable for an instrument unless they personally authorized or signed it. No such authorization exists. 

Because the creditor can not validate the debt or produce an executed contract, continued reporting and collection activity constitutes false representation, unfair practices, and inaccurate credit reporting. Reporting during arbitration further violates consumer protection standards. 

I am requesting that the CFPB require the creditor to : Cease reporting and collection immediately Remove the account and all associated history from my credit reports Provide proof of a valid executed contract or close the account permanently This account is materially inaccurate, unverified, and legally unenforceable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Account opened on XX/XX/year> with no issues. Deposited a check in the amount of {$21000.00}. When I was told my check will clear after midnight being that it was printed on the banks letterhead. From my attorney and it's lawfirm. Account was locked and then told closed but waiting on fraud department, which is to be reviewed in five business days. There was no fine print or confidentiality agreement stating that this can happen. This should be an easy fix but having to wait 5 business days is absorb. OK to deposit the check but have to wait on them to release funds, after was told it will be available the next day. 

XXXX XXXX XXXX XXXX XXXX # XXXX Truist bank XXXX department claim # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: TX

Complaint narrative:
The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: TX

Complaint narrative:
this company by the name True Accord has been reaching out to me about a debt I do not owe them. I have never reached out to true accord to borrow any money nor entered into any type of agreement to repay them. I have never ever worked with true accord.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: TX

Complaint narrative:
I am not associated with the creditors listed and did not authorize this inquiry. Please remove it from my credit report immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: WI

Complaint narrative:
I received a notification that my Chime account access had been restricted due to " unusual activity '' on Monday, XX/XX/XXXX at XXXX central time. This restriction stated that I could still view my account, review transactions, and see balances, however I would be unable to send money, transfer funds, or use my debit card - meaning I had ZERO access to the money in my account. I waited until the next morning, and saw that my restriction was still in place, so I called customer service- as instructed in the message - at XXXX. I was told that the restriction was placed as a precaution to protect my money due to some systemic trigger that automatically placed the restriction. I talked to three different people on XX/XX/XXXX, one of them a supervisor, and was told that there was absolutely nothing they could do to lift the restriction since it was an automated, systemic restriction. I asked why it was restricted, and they said they were unable to access the reason. They said that the restriction would be lifted after 48 hours, and there was nothing I could do but wait. So I waited. On XX/XX/XXXX at XXXX I received an alert letting me know that my full account access had been restored. However, 7 minutes later at XXXX, I received another alert letting me know that my account had been restricted again. I called Chime at XXXX and had basically a carbon copy conversation, that they couldn't do anything, couldn't see the reason, couldn't help me, and I just had to wait the 48 hours for it to be lifted. I called again on XX/XX/XXXX at XXXX and asked for a supervisor, but was hung up. I called again at XXXX and asked for a supervisor again, this time I managed to get transferred. I told the supervisor that I understood there was nothing she could do to actually lift the restriction, but I need to know WHY the restriction happened so I can do whatever I need to do to keep it from happening in the future. Do I need to change my password? Get a different card? What's going on? She could not help me, could not tell me, just repeated that I have to wait. I told her I didn't have confidence that after the restriction is lifted on XX/XX/XXXX that it won't just be restricted again a few minutes later because nobody has done anything to avoid the reason for the restriction in the first place. I can't transfer my money, can't spend my money, can't pay my bills ... and it's right before XXXX. I had a payment scheduled to the IRS that failed, not because I don't have money but because my account was restricted, so now there will be fees and penalties there too. I can do absolutely nothing to access my money, and they won't help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: MD

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 15 USC 1692g ( Section 809 ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ). 
Harassment under 15 USC 1692d ( Section 806 ). 
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 15 U.S. Code 1681b.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: TX

Complaint narrative:
These accounts do not pertain to me and must be taken down within 15 days per USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: DailyPay, Inc
State: IL

Complaint narrative:
Initial Conflicting Information : I was first told that my Daily Pay account would be fully canceled tomorrow ( Friday ) and that my last paycheck would be processed as usual. But then I was informed that after the XXXX, my payroll would transition directly to XXXX, which is clearly different from what was communicated earlier. 
Contradictory Response from Supervisor : After pushing for clarity, I was told by a supervisor that my account would not be fully canceled until next Wednesday, the XXXX, which completely contradicts earlier statements I was given. This lack of consistent information is both frustrating and unprofessional. 
Care Team Contact But I Dont Believe It : After several failed attempts at getting clear answers, Ive been promised that someone from Daily Pays care team will contact me to finalize my account cancellation. XXXX, XXXX extremely skeptical about this. Based on my previous experiences with Daily Pay, I have no faith that this call will happen. Promises have been made before, and each time theyve failed to follow through. 
Payroll Transition to XXXX Will It Actually Happen? : According to the website and what Ive been told, my payroll should transition to XXXX after Wednesday, the XXXX, with my first paycheck from XXXX expected by Tuesday, the XXXX. But with the constant lack of clear communication from Daily Pay, I have serious doubts that this transition will happen smoothly or without further delays.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates
State: CO

Complaint narrative:
I asked via certified letter to each bureau XXXX XXXX  and transition requesting that the collection agencies who are reporting the negative items severely hindering my ability to utilize my lawfully protected credit. I asked for both verification and validation of said debts up to and including the signed contract lawfully obliging me to said debt as well as verification of the debt in both cases nothing was provided not even the proof of their authority to collect these letters were sent in XX/XX/year> I didn't receive the results until XXXX in the form of some inconsistent disorganized attempt to present a doctored and re-aged dispute results report the credit bureaus turned a blind eye owing to the fact that every XXXXXXXX XXXX item and fingerhut items were paid in full but still register as negative affecting my credit score and the accounts in collections are over XXXX XXXX XXXX but the dates the accounts were open is more recent they ignored their due diligence they changed the opening dates of the accounts but ignored the dates of 1st delinquency and the date of first delinquency is 8 months before the account was even open I brought this to your attention exactly 34 days ago and I am being ignored experian went so far as to eliminate my credit score completely out of spite for my knowledge of the statutes I respectfully request that with the black and white evidence of the injustice I am enduring because I'm a simple nobody and they can just bully an ordinary man i requesting you take the necessary steps to repair my credit with all 3 bureaus of credit

Company response to consumer: Untimely response
Consumer complaint received 2025-12-18 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: FIFTH THIRD FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I noticed that a hard injury was reported in my XXXX XXXX account. It is from fifth third bank between XXXX XXXX. I did not authorize or give consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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 have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-12-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc.
State: OH

Complaint narrative:
I received a Visa gift card purchased by a family member. 
The card number is rejected by all issuer systems. 
The issuer refuses human escalation and will not open a fraud claim. 
I am requesting a manual investigation and balance recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: GA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts : XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$280.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$130.00} Inquiries : No inquiries reported in dispute for this bureau. 

Late Payments : XXXX  XXXX - 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 2025-12-18 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: MI

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
Consumer complaint received 2025-12-18 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: NY

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my Experian, Equifax & TransUnion credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 2025-12-18 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: AL

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts : XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$760.00} Inquiries : XXXX, XXXX : XX/XX/XXXX XXXX, Date : XX/XX/XXXX Late Payments : XXXX  - Account Number : XXXX XXXX  - Account Number : XXXX XXXX  - Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: GA

Complaint narrative:
I am submitting this complaint as a consumer who is working to correct inaccurate, incomplete, or unverifiable information on my Experian credit report. 

I am disputing the following charged-off accounts : * XXXX Account # XXXX ( Opened XX/XX/year>, Balance {$0.00} ) * XXXX XXXX XXXX Account XXXX XXXX ( Opened XX/XX/year>, Balance {$6200.00} ) I am disputing the accuracy, completeness, and reporting status of these accounts. I am requesting that Experian conduct a full reinvestigation and require the furnishers to provide documentation verifying ownership, accuracy of balances, and proper reporting. 

I am also disputing the following credit inquiries, which I do not recall authorizing or providing permissible purpose for : * XXXX XXXX XXXX XX/XX/year> * XXXX XXXX XXXX XX/XX/year> * XXXX  XXXX  XXXX XX/XX/year> If these inquiries and accounts can not be fully verified in compliance with the Fair Credit Reporting Act ( FCRA ), I request that they be removed from my Experian credit file.

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