vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: MN

Complaint narrative:
On XX/XX/year>, I sent to the colleccion a formal debt validation request regarding the above-referenced account. To date, I have not received any response or the required validation documents, as mandated under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ).

After recently reviewing my credit report, I noticed that the reported balance has increased, even though this account remains in dispute. This action may constitute violations of the following laws : FDCPA ( 15 U.S.C. 1692f ( 1 ) ), which prohibits collecting any amount not expressly authorized by the original agreement or permitted by law. 
FCRA ( 15 U.S.C. 1681s-2 ( b ) ), which requires furnishers to properly investigate and correct disputed or inaccurate information.

Minnesota Debt Collection Practices Act ( Minn. Stat. 332.37 ), which prohibits adding or attempting to collect fees, interest, or other amounts not authorized by contract or law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: VA

Complaint narrative:
I sent a certified letter to Equifax on XX/XX/year> with tracking # XXXX it shows the delivery date of XX/XX/year> at XXXXXXXX XXXX in XXXX GA. The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts : XXXXXXXX XXXX XXXX {$6100.00} ( account # XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX$4200.00} ( account # XXXX ) XXXX XXXX XXXX  ( account # XXXX ) Equifax failed to respond. I sent another letter on XX/XX/year> which they failed to respond once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
Deposited {$5000.00} check in to Citizens Bank Savings Account on XXXX XX/XX/XXXX. 

Citizens has been holding the funds since XXXX XX/XX/XXXX under review. Latest review date was XXXX XX/XX/XXXX. I called Citizens today and the funds are pending review until XXXX XX/XX/XXXX. 

I would like to file a request to have my deposit reviewed as Citizens is expecting a 2.5 month hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: TN

Complaint narrative:
This is a formal dispute regarding multiple erroneous and inconsistent accounts being reported on my TransUnion credit file. The entries listed below are being furnished in violation of FCRA 602 ( a ), 607 ( b ), 611, and 616617, and fail to comply with the Metro-2 data format governed by the CDIA. 
Accounts in Question : 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 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 non-monetary relief
Consumer complaint received 2025-10-28 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. A payment arrangement was made with this company and fully paid and loan was forgiven .This company is reporting inaccurate information on my credit report. This company is violating my rights putting this on my credit. > 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 I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, provide the names and business addresses of each individual with whom you verified the account and follow up. Please send me an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: AZ

Complaint narrative:
On XX/XX/year>, someone used my debit card number to spend {$190.00} at XXXX. Several other transactions were attempted, but Chime 's fraud detection service blocked them. I immediately canceled the physical card and changed my virtual card number. The charge was pre-authorized, so I was unable to dispute it until it was finalized on the XXXX. My dispute was denied. I asked for the exact reason for the denial, as well as all documents used to investigate the claim. I have received neither. I also filed an appeal. I included documentation of my XXXX account, which indicated that I had not made a purchase in some time. My claim was denied again. Chime specifically says that " no error occurred. '' I believe they did not adequately investigate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I found multiple inquiries from companies with which I have never applied for credit or granted permission to access my information. These unauthorized entries are negatively affecting my credit score and raise concerns about potential identity misuse or reporting errors. Despite my efforts to resolve this issue, the problem persists.Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is inaccurate or fraudulent. I am requesting a full investigation to verify the origin and legitimacy of these inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: NC

Complaint narrative:
On XX/XX/2023 I made request and verified with XXXX XXXX to suspend my current and up to date wireless accounts as I was going to be in prison. They failed to do this and continued to bill me instead. As a result I have collections via True accord, and hits on my credit report. XXXX is refusing to address the issue and True accord is refusing to do anything but settle. I made and verified all of these arrangements in XXXX knowing I would be XXXX XXXXXXXX made the mistake, and will not correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: FL

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : 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 2025-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I discovered inaccurate and unverifiable information being reported on my credit report that does not belong to me. I have contacted the credit reporting agency and the furnisher of the information, but the item remains uncorrected despite my dispute. This inaccurate reporting has negatively affected my credit score and financial opportunities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate personal information being reported on my credit file. Despite maintaining my current and correct address for some time, outdated and incorrect addresses and employer information continue to appear on my credit report. 

Details : My name is XXXX XXXX XXXX, and my correct and current address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX After reviewing my credit report dated XX/XX/XXXX, I found that several outdated addresses and past employers are still listed, even though they no longer apply to me.

This information is not only inaccurate but misleading, as it does not reflect my present or verified records.

The following outdated information should be removed from my file : Previous Addresses ( Inaccurate or Outdated ) : XXXX XXXX XXXX XXXX XXXXXXXX - Reported as current when it is not. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Outdated Employers : 1. XXXX Date Updated : XX/XX/XXXX 2. XXXXXXXX XXXX XXXXXXXX Date Updated : XX/XX/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 2025-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have several cashier check with expiration dates on them that say funds expire in 7 years. I took the cashier check to chase bank which were issued by chase bank and they are unable to cash the checks these checks have issue dates XX/XX/year> issue dates which is with in the 5 year and definitely within the 7 year written on the checks. Chase is refusing to cash the checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: CA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XX/XX/XXXX Email received for debt collection service XX/XX/XXXX XXXX received with auth to collect XX/XX/XXXX Consumer information received and copy of invoices and copy of bank check previously paid with bank statement to new client. 
XX/XX/XXXX E/Invoice sent to consumer for payment XX/XX/XXXX Consumer responded wanted to pay {$490000.00} down and balance after check clears XX/XX/XXXX Went into the branch to verify the check and was told it needed to go their collections department for verification before any deposit. I signed a form for the check to be verified for 4-10 weeks before any deposit with the bank Ive been with since XXXX and gave them the check. 
XX/XX/XXXX Received a call from the branch check can back from the collections department ok to deposit. I asked were the funds available now and was told I just needed to make the deposit it will take possibly up to 7 days to clear. I can either come in to the branch or they can make the deposit for me, nothing was mentioned about the check not being verified at that time. I trusted them so I said go ahead and make the deposit. A few hours later when I tried to transfer {$30.00} to my wifes joint account I received an alert. Then shortly after I received emails that my accounts are scheduled to be closed XX/XX/XXXX. I called and spoke rep who told she couldnt see the check yet call back tomorrow, it possibly was flagged due to the amount. 
XX/XX/XXXX Reached out to the loss prevention department and was told the check was possibly counterfeit. Then spoke with manager who said she will submit a case to be reviewed and they will follow up with me. 
XX/XX/XXXX Received an email from the resolution team they will respond in 10 days. 
XX/XX/XXXX XXXX payments were processed on behalf of the company totaling {$1500.00} thru clover. 
XX/XX/XXXX XXXX payments for {$1500.00} showed pending on account. 
XX/XX/XXXX XXXX payments for {$1500.00} not showing on account. 
XX/XX/XXXX Spoke with loss prevention department and was advised accounts still scheduled to be closed no access to funds at this time, until they mail the money after XX/XX/XXXX when the accounts are closed. Rep suggested I contact the branch to possibly overrule the decision to close the accounts. 
XX/XX/XXXX Called the branch spoke with the manager XXXX He admitted the check was never verified and claims theres nothing he can do, accept if I come to the branch he will call the loss prevention department with me present. Ironically the first thing he told me was he cant do anything about it and it was out of his hands. I dont trust them anymore. I only went to them to verify the check. I never filled out a deposit slip, I was only going by their recommendations, the check was ok to deposit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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:
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 explanation
Consumer complaint received 2025-10-28 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: CA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am disputing inaccurate reporting on my credit report regarding account XXXX ( Account # XXXX ). The account is listed as charged off as bad debt, yet it shows a {$0.00} balance, no payment history, and notes that it was purchased by another lender. 

This reporting appears incomplete and misleading. If the account was sold or transferred, the original creditor should report a {$0.00} balance and remove any charge-off status once the debt was sold. Additionally, if the current owner now holds the account, it should be reflected accurately under that companys name not both.

The missing 24-month payment history also prevents accurate credit scoring and may not meet the requirements for completeness under 15 U.S.C. 1681s-2 and 1681i of the Fair Credit Reporting Act.

I am requesting that the CFPB review this matter and ensure that the credit bureaus and XXXX correct, verify, or remove the inaccurate charge-off status and incomplete reporting. If the account was sold or paid, it should reflect a closed, paid, {$0.00} balance status without derogatory charge-off wording.

Company response to consumer: Closed with non-monetary relief