vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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: IL

Complaint narrative:
I am submitting this formal dispute pursuant to the Fair Credit Reporting Act ( FCRA ), specifically Section 605B [ 15 U.S.C. 1681c-2 ], regarding inaccurate information being reported on my credit file due to identity theft.

The following accounts have been fraudulently opened or reported in my name without my knowledge, authorization, or consent : Under FCRA 605B, I am formally requesting the permanent blocking and removal of this account and all associated information from my credit file. This request includes all credit reporting agencies and any parties that may have furnished or accessed this data.

A detailed statement describing the fraudulent nature of this account This dispute is being submitted in good faith and in accordance with federal consumer protection law. Please be advised that under 605B, upon receipt of a valid identity theft report, you are required by law to block the reporting of this information within four business days.

Failure to comply will constitute a willful violation of the FCRA and may be escalated to civil litigation and/or regulatory enforcement.

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 2025-08-11 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:
I am submitting this formal dispute pursuant to the Fair Credit Reporting Act ( FCRA ), specifically Section 605B [ 15 U.S.C. 1681c-2 ], regarding inaccurate information being reported on my credit file due to identity theft.

The following accounts have been fraudulently opened or reported in my name without my knowledge, authorization, or consent : Under FCRA 605B, I am formally requesting the permanent blocking and removal of this account and all associated information from my credit file. This request includes all credit reporting agencies and any parties that may have furnished or accessed this data.

A detailed statement describing the fraudulent nature of this account This dispute is being submitted in good faith and in accordance with federal consumer protection law. Please be advised that under 605B, upon receipt of a valid identity theft report, you are required by law to block the reporting of this information within four business days.

Failure to comply will constitute a willful violation of the FCRA and may be escalated to civil litigation and/or regulatory enforcement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I have repeatedly requested that they investigate the bad check deposited to my account that was made by the imposter or someone working for him/her. They have refused I contacted the FBI and still waiting to hear back. 
They are calling me starting at XXXX XXXX  in the morning saying we are attempting to collect a debt when I protest they continue on I have XXXX and am stressed to the max I tell them to stop calling 3 sometimes 4 times a day - this is called Harassment!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: NY

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: Chime Financial Inc
State: GA

Complaint narrative:
I am reporting an incident involving unauthorized transactions and wrongful debt collection related to my Chime account. 

I opened a Chime account in XX/XX/year> and was issued a {$620.00} credit. Shortly after, Chime locked me out of my account and I lost access to it entirely. I later learned that transactions were made on my account without my authorization. I did not make or approve these transactions. 

On XX/XX/year>, I filed a dispute with Chime ( Claim ID : XXXX ) to report the unauthorized activity and loss of my credit. Chimes investigation concluded that no billing error occurred, and now they are expecting me to pay back the {$620.00}, even though I did not make those transactions and had no access to my account at the time they occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. XXXX. 
XXXX, PA XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, XXXX XXXX Subject : Formal Dispute Regarding Case XXXX XXXX LL - Acct XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to formally dispute the findings and resolution associated with my complaint filed on XX/XX/XXXX, regarding inaccurate credit reporting, and unfair debt collection practices. I appreciate the CFPBs role in protecting consumers, but I believe the outcome of my case does not adequately reflect the facts or address the harm caused. 
Specifically, I am disputing the following : The creditor reported inaccurate information to the credit bureaus, which I have repeatedly contested with supporting documentation. 
As a result of this unresolved issue, my credit score has been negatively affected, limiting my ability to secure housing and lines of credit.

I am requesting that the CFPB re-examine my case and consider the following actions : - Reopen the investigation with a more thorough review of the documentation I provided. 
- Require the company in question to provide a detailed and substantiated response. 
- Assist in facilitating a correction of the inaccurate information or resolution of the dispute. 
Attached are copies of relevant documents, including [ list attachmentse.g., correspondence, billing statements, credit reports, etc. ], which support my position. 
I trust that the CFPB will take this matter seriously and ensure that consumer rights are upheld. Please confirm receipt of this letter and advise on the next steps in the dispute process. 

Thank you for your attention and continued commitment to consumer protection. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Results Unlimited, Inc.
State: GA

Complaint narrative:
I am writing to formally report a fasle debt claim that has been made against me, which I believe violates the Fair Debt Collection Practices Act ( FDCPA ). The alleged debt is from [ Results Unlimited LLC ] in XXXX XXXX, XXXX account number [ XXXX ] in the amount of $ [ XXXX ] This collection agency is not licensed in the state of Virgina and has sued me for fasle debt. I was not aware of a court hearing because I was not property served a notice to appear in court. This company has 3 of my bank accounts granished for wages rental company XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX faslely reported. This debt is not valid. I have never incurred any such obligation with the companies listed above, nor have I authorized anyone to do so on my behalf. I have contacted results unlimited to validate this debt. Despite my concerns, the company has continued to collect the debt from my bank accounts. These actions have caused undue stress, potential harm to my credit standing, garnised of wages, and are in direct violation of my rights under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC
State: SC

Complaint narrative:
The company made threatning remarks and has contacted family memebers, threatning to call my employer etc. {$700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
They have called multiple times a day for the past couple of months. Phone numbers are similar to XXXX. The last 4 will be different. I advised them, XXXX, to stop calling and send me all information regarding debt ober the phone and through the email provided on their website XXXX. They ignored and called again, XXXX, violating my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 explanation
Consumer complaint received 2025-08-11 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 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 2025-08-11 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: NV

Complaint narrative:
I assert no responsibility for these accountsthey must be removed by the 15-day mark as stated in USC 1681g .

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 2025-08-11 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: AL

Complaint narrative:
my information was compromised and exposed illegally to third parties and fraudulent accounts were opened in my name. The fraudulent accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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:
In reviewing my recent credit reports, I discovered multiple inaccuracies and unauthorized items being reported by several companies, which are negatively affecting my credit standing. These include accounts showing derogatory payment history without proper verification, duplicate or inconsistent account reporting, and hard inquiries that I did not authorize. Despite my previous disputes and requests for validation under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), the companies have continued to report this inaccurate information. The disputed items span various dates, with some accounts reporting balances and statuses that do not match the original records, and inquiries that have no permissible purpose. I have made repeated attempts to have these errors corrected or removed, but the companies have failed to provide adequate documentation or take corrective action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: GA

Complaint narrative:
In reviewing my recent credit reports, I discovered multiple inaccuracies and unauthorized items being reported by several companies, which are negatively affecting my credit standing. These include accounts showing derogatory payment history without proper verification, duplicate or inconsistent account reporting, and hard inquiries that I did not authorize. Despite my previous disputes and requests for validation under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), the companies have continued to report this inaccurate information. The disputed items span various dates, with some accounts reporting balances and statuses that do not match the original records, and inquiries that have no permissible purpose. I have made repeated attempts to have these errors corrected or removed, but the companies have failed to provide adequate documentation or take corrective action.

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 2025-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
Bank of America close my account on XX/XX/XXXX without notification. Dissatisfied with BOA I went to the branch office to find my account had been closed and I not only did not have access to my account but also the funds in it. When discussing this with the branch manager who was on the telephone with a corporate department I was told I would be received a cashiers check for the account balance in 5-7 business days. After waiting 7 days and an additional 4 days for shipping and not receiving anything I contacted BOA only to discover that the account was in the account closure process with an estimated closure date of XX/XX/XXXX. This has cause me to experience stress and XXXX  but most importantly financial distress. 
In summary : ( 1 ) BOA didnt inform me that they had taken the action to close my account and deny me access to my funds on XX/XX/XXXX ( 2 ) The BOA bank manager on the telephone with another department assured me that I would receive a check for the funds in 5-7 business days plus shipping ( 3 ) When I contacted BOA today, XX/XX/XXXX, I was informed that the account was in the account closure process with an estimated disbursement date of XX/XX/XXXX ( 4 ) This means I have not had access to my funds for 40+ days as they remain in BOAs custody ( 5 ) There was not fraud involved this was just a simple account closure and disbursement of fund.

I find BOA business practices unacceptable and border lining on fraud ( denying me access to my funds ).

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 monetary relief
Consumer complaint received 2025-08-11 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:
These are not my accountsper USC 1681g, delete them within 15 days.

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 2025-08-11 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
This company was sent a debt validation letter on XX/XX/scrub> 2025 through XXXX certified mail tracking # XXXX which they received iin XX/XX/year>2025 .. they continue to report to XXXX  with out proper debt validation.I demanded a copy of original contract with my signature on it, a copy of the bill of sale that proves they own the debt, a copy of the payment history that proves the amount is correct, a copy of forward flow agreement or chain of assignment, a copy of any documentation that states i gave permission to original creditor to share my personal information with any third party So now im preparing to file a claim in FEDERAL court in 14 days if this company does not provide the requested information. they had since XXXX to resolve this issue.XXXX  and XXXX  has removed already because it can not be verified with Proper debt documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, 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. This fraudulent, inaccurate, and false information consists of The accounts that are included in my attachments and are seen on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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:
In reviewing my recent credit reports, I discovered multiple inaccuracies and unauthorized items being reported by several companies, which are negatively affecting my credit standing. These include accounts showing derogatory payment history without proper verification, duplicate or inconsistent account reporting, and hard inquiries that I did not authorize. Despite my previous disputes and requests for validation under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), the companies have continued to report this inaccurate information. The disputed items span various dates, with some accounts reporting balances and statuses that do not match the original records, and inquiries that have no permissible purpose. I have made repeated attempts to have these errors corrected or removed, but the companies have failed to provide adequate documentation or take corrective action.

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint to dispute an inaccurate late payment entry listed on my credit report. The account in question has always been maintained in good standing, and I have never failed to meet the required payment deadlines. The continued reporting of this late payment is an error that misrepresents my credit behavior and negatively impacts my financial profile.

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