vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Overland Bond & Investment Corporation
State: IL

Complaint narrative:
Hi, I called overland bond to please update my payments, I am missing XXXX and XXXX update to my credit report. 

When I called, they asked me to contact CPFB or XXXX to dispute so they can update. I asked why when I was on the phone, they said it's their way of doing things.

It's very unfair that I have a flawless payment record and can't get credit for my hard work. Please update that I paid XXXX and XXXX and am currently working on XXXX. and please add my credit score points I deserve more that 2 points something is wrong with the credit score grading system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-06-04 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: PA

Complaint narrative:
b"Please remove all these items:- \n\nADDRESSES:-\n \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn \nINQUIRIES:-\n \nXXXX XXXXn \nACCOUNTS:-\n \XXXX XXXX\nXXXX XXXX XXXX\nOXXXX XXXX\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\nI had not checked my credit report in a long time. I went to the bank and was informed of these items. I don't know who could have done this. This is identity theft and a nightmare."

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 2025-06-04 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: PA

Complaint narrative:
b"Please remove all these items:- \n\nADDRESSES:-\n \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn \nINQUIRIES:-\n \nXXXX XXXXn \nACCOUNTS:-\n \XXXX XXXX\nXXXX XXXX XXXX\nOXXXX XXXX\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\nI had not checked my credit report in a long time. I went to the bank and was informed of these items. I don't know who could have done this. This is identity theft and a nightmare."

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 2025-06-04 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: FC HoldCo LLC
State: CA

Complaint narrative:
They told me that they were going to look for a loan but they werent going to run a hard inquiry background check

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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
REMOVE The INTERNAL BLOCK FOR PROMOTIONAL PURPOSES AND ALLOW LENDERS TO SEE MY INFORMATION AND CREDIT FILE TO OFFER ME CREDIT OPT IN...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: GA

Complaint narrative:
I am notifying you that fraudulent accounts have appeared on my credit report following a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), I demand their blocking and deletion within 4 days : 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: GA

Complaint narrative:
I am notifying you that fraudulent accounts have appeared on my credit report following a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), I demand their blocking and deletion within 4 days : 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 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 explanation
Consumer complaint received 2025-06-04 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: TX

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
Account XXXX XXXX XXXX  ACCOUNT XXXX XXXXXXXX XXXXm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature. If not, please delete account XXXX XXXXXXXX soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
I purchased a mattress and adjustable base from XXXX XXXX in XXXX, KY on XX/XX/year> totaling {$24000.00} The new items were delivered along with a 100 day return promise from this company. The bed was too soft, and the base rattled incessantly, so on XX/XX/year>, I requested an exchange from the company which came out about {$200.00} less than the original set. Then suddenly there was a {$240.00} fee for return of these items, and other charges totaling {$510.00}. I requested from rep, XXXX XXXX a breakdown of these charges and he refused to comply ( this was all by text msg ). I asked for the same terms of their financing company as for the first set but was then told that instead of 2 years at 0 % interest, I would only get 1 year at 0 % for the extra {$51000.00} ( totally at their discretion ). 
The company 's website also touts a low price guarantee stating that if a lower price ( even theirs ) could be found for the same item, they would refund the difference. I found the exact same mattress on XXXXXXXX XXXX XXXX XXXXXXXX website and sent it to XXXX XXXX. I was told that it must be a different version of this model and they showed no discount at this time. He recommended I " clear my cache '' as the website may be showing old discounts. So in essence, I did not receive an easy refund, I was charged additional fees that were not made clear, and did not receive the financing I requested or their " Low Price Guarantee ''.

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 2025-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: AR

Complaint narrative:
I am writing to express my deep disappointment and frustration regarding the closure of my bank account with Chime in XX/XX/year>. Despite repeated efforts on my part to resolve the matter, I have yet to receive the closure check promised to me. 

Over the past few months, I have sent numerous emails, seeking updates on the status of my closure check. However, the responses I have received thus far have been unsatisfactory, and I feel that my concerns have been met with indifference. It is disheartening to see that no real action has been taken to resolve this issue promptly. 

I had $ XXXX in my account at the time of the closure {$200.00} was chimes spot me where I would pay them for overdraft benefits. But {$1200.00} was from work deposited checks. They closed my account unexpectedly saying that I was running my business deposits through chime in which I did not only job deposits from my occupation. Went through a whole process calling them immediately. First they were saying they was going to send the check but I needed to update my address. Updated it and waited two weeks for the check that was promised but never came .. they kept making me prove my address that they had already confirmed but still no cooperation. I called head office and reached out on social media and via email. It got to a point where they would not let me talk to anyone over the phone anymore after ive spoken with the supervisors numerous times. I have the emails as well. This was back in XX/XX/year>.. I'm still reaching out because i recently seen that ppl are still going through this and they need to be stopped. I lost my apartment because that money was for rent and ended up losing my job eventually because I worked from home .. they cause me a lot of pain and suffering and I need them to pay

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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:
Following a serious data breach, fraudulent accounts have been added to my credit report. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request their removal and blocking within 4 days : 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 Address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXXXXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
RE : DEMAND FOR METHOD OF VERIFICATION URGENT LEGAL REQUEST UNDER 15 U.S.C. XXXXi To Whom It May Concern, I am demanding immediate compliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. XXXXXXXX  ( a ) ( XXXX ) ( B ) ( XXXX  ) and XXXX ( a ) ( XXXX ). You recently claimed to have verified accounts that I formally disputed. I hereby demand full disclosure of the Method of Verification ( MOV ) for the following accounts that remain on my Experian report : XXXX XXXX XXXX Acct XXXX : XXXX XXXX XXXXXXXX XXXX Acct XXXX : XXXX Let me be absolutely clear : a vague statement that an account was verified as accurate is NOT sufficient under federal law. You are legally obligated to provide me with : The method used to verify each of these accounts. 


The name, address, and phone number of the furnisher who provided the verification. 


A detailed explanation of the procedure used during your reinvestigation. 


If you can not provide this evidence within XXXX days, I will assume these entries were not properly verified and are therefore legally unverifiable. In accordance with the FCRA, you are then required to immediately remove these items from my credit file. 
Let this serve as final notice : If Experian fails to comply fully and in writing, I will proceed with complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney general. Furthermore, I reserve the right to pursue civil legal action for willful noncompliance and the continued reporting of unverifiable information, which constitutes a violation of my consumer rights under the FCRA. 
This is your opportunity to avoid liability and correct the matter immediately. 
Sincerely, 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 2025-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
I recently discovered that Cavalry Portfolio Services reported a debt to my credit report without ever contacting me or sending me a written notice. Under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must provide a written validation notice within XXXX days of their first collection attempt. Reporting to a credit bureau constitutes a collection attempt. 

I was never notified in writing, and only found out because I checked my credit report. This is a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). I have sent Cavalry a debt validation request, but they have not yet responded. I am requesting that this item be removed from my credit report This debt allegedly originated from XXXX XXXX, but I have no contract or agreement with Cavalry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: TX

Complaint narrative:
I recently suffered a data breach, and as a result, fraudulent accounts have been reported under my name. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX delete and block the following accounts from my credit report Accounts Inquiries XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : 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 2025-06-04 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: TX

Complaint narrative:
I recently suffered a data breach, and as a result, fraudulent accounts have been reported under my name. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX delete and block the following accounts from my credit report Accounts Inquiries XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NV

Complaint narrative:
I noticed my Credit report was hit negatively recently. I look into XXXX, it shows I owe " Jefferson Capital Systems LLC '' an amount of {$200.00} ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I've never heard of this company. Never received anything in the mail to try and dispute and or find out more information. When I call what number is online, they are rude, arrogant, and disrespectful. The person I spoke to for less than a minutes asked for sensitive information, full SSN, which is ALWAYS a no go. And they wouldn't tell me ANYTHING about who or what I owed the debt too. And I don't need my life disrupted because of a debt scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: MN

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 1. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXXXXXX 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