vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
b'I am writing once again to formally dispute and demand the permanent removal of fraudulent accounts currently listed on my credit reports with your agency. These accounts are the result of identity theft and do not belong to me. Despite numerous previous disputes and submission of supporting documentation, these accounts remain and continue to cause severe and ongoing harm to my credit and financial standing.\n\nI have provided evidence that I never applied for these accounts, including identity theft affidavits, police reports, and other relevant documentation in accordance with the Fair Credit Reporting Act (FCRA). Your continued failure to correct or remove these fraudulent accounts after receiving such information is unacceptable and constitutes willful noncompliance.\n\nThis ongoing inaction may also represent a violation of 18 U.S.C.  1028A, which addresses aggravated identity theft. By continuing to report accounts that you have been informed were opened fraudulently and without my consent, you are enabling the unlawful use of my personal identifying information.\n\nI am requesting immediate removal of the following fraudulent accounts from my credit report. A detailed list has been attached with account names and numbers. Additionally, I demand that you send me written confirmation that these accounts have been permanently deleted and that all parties who have accessed my report in connection with these accounts be notified of the correction.\n\nIf you do not comply within 30 days, I am prepared to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and potentially pursue civil and criminal remedies.\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-12 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: LA

Complaint narrative:
b'I am writing once again to formally dispute and demand the permanent removal of fraudulent accounts currently listed on my credit reports with your agency. These accounts are the result of identity theft and do not belong to me. Despite numerous previous disputes and submission of supporting documentation, these accounts remain and continue to cause severe and ongoing harm to my credit and financial standing.\n\nI have provided evidence that I never applied for these accounts, including identity theft affidavits, police reports, and other relevant documentation in accordance with the Fair Credit Reporting Act (FCRA). Your continued failure to correct or remove these fraudulent accounts after receiving such information is unacceptable and constitutes willful noncompliance.\n\nThis ongoing inaction may also represent a violation of 18 U.S.C.  1028A, which addresses aggravated identity theft. By continuing to report accounts that you have been informed were opened fraudulently and without my consent, you are enabling the unlawful use of my personal identifying information.\n\nI am requesting immediate removal of the following fraudulent accounts from my credit report. A detailed list has been attached with account names and numbers. Additionally, I demand that you send me written confirmation that these accounts have been permanently deleted and that all parties who have accessed my report in connection with these accounts be notified of the correction.\n\nIf you do not comply within 30 days, I am prepared to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and potentially pursue civil and criminal remedies.\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-12 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: Experian Information Solutions Inc.
State: AK

Complaint narrative:
I am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established under my name. I would appreciate it if you could consider this situation while reviewing my credit report and take appropriate actions to rectify any inaccuracies or fraudulent activities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint against Binance US regarding their handling of my account and funds. My experience with the platform has raised serious concerns about their business practices and the fairness of their withdrawal processes.

# # Account Verification and Access- I have fully verified my identity on the Binance US platform. 
- My bank account is linked, and I am able to make trades without issue. 

# # Withholding of Funds - Binance US is arbitrarily withholding my funds without providing any valid reason. 
- No prior notice was given regarding any restrictions or holds on my account. 
- The company has refused to offer any explanation for these actions, despite multiple attempts to seek clarification.

# # Withdrawal Issues and Excessive Fees - Every attempt to withdraw funds is met with obstacles, delays, or outright blocks. 
- The platform imposes exorbitant fees on withdrawals, which significantly deplete the available balance. 
- The withdrawal process is so obstructive that it is virtually impossible to access my own funds. 

# # Pattern of Obstruction - I have never been able to successfully withdraw funds from my account. 
- Each withdrawal attempt is blocked for reasons that are either unclear or entirely absent. 
- The pattern of behavior suggests a deliberate effort to prevent users from accessing their funds while continuing to charge fees.

# # Concerns Over Business Practices - The cumulative effect of these practices gives the impression of a pyramid scheme, where users are systematically prevented from withdrawing their own money and are instead subjected to ongoing fees. 
- The lack of transparency and refusal to provide explanations is deeply troubling and undermines trust in the platform. 

I expect prompt attention to this complaint and a resolution that restores my confidence in the platform. If these issues are not addressed, I will consider escalating this matter to relevant regulatory authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am filing this complaint because there are XXXX separate entries on my credit report from a company called RESURGENT / LVNV FUNDING that I do not recognize, do not owe, and have no contractual relationship with. 

The accounts show the following details : Opened XX/XX/year>, balance {$1100.00} Opened XX/XX/year>, balance {$1000.00} Opened XX/XX/year>, balance {$690.00} Opened XX/XX/year>, balance {$870.00} All of them are marked as collection accounts and under dispute, but they continue to appear on my XXXX  report. I have never done business with this company, never authorized them to collect on any debt, and never signed any agreement with them. 

I previously disputed these accounts directly with XXXX, and yet they were verified without me ever receiving proper validation from the debt buyer. This is a clear violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). No company should be allowed to report multiple unverified collection accounts under different dates and amounts without legitimate proof and without notifying the consumer. 

I am requesting that the CFPB investigate this matter, and that all XXXX RESURGENT / LVNV FUNDING accounts be permanently removed from my credit report due to lack of validation and failure to prove I owe these debts. If they can not provide a signed agreement or contract showing that I owe them this money, these accounts should not be allowed to remain on my reports. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
XXXX XXXXXXXX XXXX account # XXXX I'm unaware of this dispute and did not have the opportunity to dispute this account. If you believe you sent the proper notification, please provide " certified mail '' with a receipt displaying my signature. If not, please delete the account # XXXX soon as possible from my report or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: NJ

Complaint narrative:
I am filing this complaint because Equifax is reporting inaccurate and unauthorized information on my credit file, including accounts I did not open and addresses not associated with me. 
Despite multiple disputes and documentation submitted under the Fair Credit Reporting Act ( FCRA ) 1681c-2, including statements that I was a victim of identity theft, Equifax failed to block or remove the disputed information. I also requested reinvestigation of outdated or incorrect personal information, including addresses that do not belong to me. These errors have not been corrected. 

Additionally, I disputed a tradeline reported by XXXX that remains despite lacking verification, violating FCRA 1681i ( a ). Equifax closed the dispute by stating the item was " verified as accurate '' without providing any explanation of the verification method, which is required under 1681i ( a ) ( 6 ) ( B ) ( iii ). I also noted potential Metro 2 violations due to inconsistent or duplicate reporting across bureaus. 

The continued presence of this inaccurate and unverified information has harmed my creditworthiness and caused emotional distress. 

I am attaching : My original dispute letter Screenshots of the tradelines and address history My identity theft claim is in original dispute letter I request immediate deletion of these inaccurate entries and full FCRA compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monarch Recovery Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I sent a formal debt dispute and validation request to Monarch Recovery Management , Inc., in response to their collection letter dated XX/XX/year>, regarding an alleged XXXX  XXXX  account. I explicitly requested validation of the debt, including the original signed agreement, proof of assignment and ownership, forward flow or purchase agreements, a full itemized breakdown of the alleged balance, and verification that the debt was reported correctlyif at allto credit bureaus and marked as disputed. 

I also requested that all communications be conducted exclusively through the U.S. Postal Service, as allowed under FDCPA 805 ( c ). Monarch has failed to respond with any of the required documentation or acknowledgment of my dispute. They have not validated the debt, proven ownership, or demonstrated any legal right to collect. Their silence is a violation of both FDCPA and FCRA obligations and reflects a disregard for due process, consumer rights, and lawful collection procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Funds Withheld by XXXX After Buyer Canceled Chargeback with Chase To Whom It May Concern, I am filing this complaint regarding a transaction involving both Chase Bank and XXXX, where I, as a XXXX XXXX, have been unfairly denied access to {$600.00} for a legitimate service I provided. 

Summary of the Issue : I sold a service to a customer using XXXX for {$600.00} on XX/XX/year> The buyer XXXX XXXX accidentally filed a chargeback with her financial institution, Chase Bank on XX/XX/year>. After realizing the mistake, she contacted Chase and successfully canceled the chargeback on XX/XX/year>. Chase confirmed to her that the dispute was resolved and would REBILL her. 

Chargeback Details : Cardholder Name : XXXX XXXX Last XXXX Digits of Card : XXXX original transaction Date : XX/XX/year> Chargeback Amount : {$600.00} Merchant : Myself ( XXXX ) XXXX XXXX XXXX Provided : Consultation Marketing service However, more than 60 days have passed, and XXXX still has not released the {$600.00} to me, stating they are waiting for a response from Chase. I have already provided XXXX with screenshots and confirmation from the buyer that the chargeback was canceled. This issue appears to stem from a breakdown in communication between XXXX and Chase. I have no way to independently verify whether Chase has communicated the cancellation to XXXX, and XXXX refuses to release the funds without that confirmation. 

What I Am Requesting : That Chase Bank confirms in writing that the chargeback was canceled and notifies XXXX or their processor accordingly.That XXXX processes the release of the {$610.00} ( {$600.00} dispute and {$15.00} dispute charge ) held from me and closes the case in my favor. 

I am attaching supporting documentation, including : Buyers statement acknowledging the chargeback was an error Screenshots and XXXX case ID Timeline of communications with both parties I am asking the CFPB to help ensure that both financial institutions cooperate to resolve this matter quickly, and that I receive the {$600.00} that is rightfully mine for a service I delivered. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, Bank of America abruptly closed both my personal and business checking accounts, along with my merchant services account. At the time of closure, my merchant account held a balance of {$71000.00}, which Bank of America stated would be withheld for six months, with a promised release date of XX/XX/year>, assuming no chargebacks were filed. 

Since XX/XX/year>, I have made repeated attempts to contact Bank of America to confirm the release of my funds, but I have not been provided with any clear or consistent information. Every call was met with delays, avoidance, and an apparent lack of supervisor availability. This has caused considerable stress and financial uncertainty. 

On Thursday, XX/XX/year>, I finally received a callback from a supervisor. To my concern, I was informed that the bank intends to hold my funds for an additional six months. I immediately asked for a specific reason or legal basis for this extended hold and was met with vague responses.

During the same call, I directly inquired whether there had been any chargebacks during the original six-month hold period. The supervisor confirmed that there were none. This contradicts the original reasoning for the initial hold and further invalidates any justification for a continued freeze of my funds. 

I believe Bank of Americas actions are unjustified, lack transparency, and may violate fair business practices. Their lack of communication, shifting justifications, and prolonged withholding of funds have had a significant impact.

I respectfully request the CFPBs assistance in compelling Bank of America to immediately release the full balance of {$71000.00} and to provide a formal explanation for their actions.

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 2025-07-12 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: FL

Complaint narrative:
Supplemental Complaint Against Experian for False Reporting of Settled Account To Whom It May Concern, This supplemental complaint is filed against Experian Information Solutions , Inc., who continues to report my XXXX XXXX XXXX XXXX XXXX account as not settled for less than the full balance despite full payoff, as documented in the attached receipt from XXXX XXXX XXXX XXXX. 

I. Evidence of Full Payoff On XX/XX/XXXX, I accessed my official XXXX XXXX dashboard ( see attached XXXX XXXX XXXX Paid In FulXXXX  ) which confirms : Account balance : {$0.00} No amount due Due date still active but no payment required This clearly demonstrates the account has been paid in full. 

XXXX. Experians Failure to Correct False Tradeline Despite submitting this receipt during dispute proceedings, Experian responded with a blanket denial and refused to adjust the account status. Their actions violate the following consumer protections : XXXX5 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation after dispute 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy in reporting 15 U.S.C. 1681s-2 ( b ) Failure to correct or delete information proven inaccurate Florida Statutes 501.204 Deceptive trade practices under FDUTPA III. Ongoing Harm This misrepresentation : Continues to suppress my credit score with their sham investigations Creates a false impression account not being settled. 

Has directly impacted financing, insurance, and housing opportunities as it increases debt ratios

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: FL

Complaint narrative:
Supplemental Complaint Against Experian for False Reporting of Settled Account To Whom It May Concern, This supplemental complaint is filed against Experian Information Solutions , Inc., who continues to report my XXXX XXXX XXXX XXXX XXXX account as not settled for less than the full balance despite full payoff, as documented in the attached receipt from XXXX XXXX XXXX XXXX. 

I. Evidence of Full Payoff On XX/XX/XXXX, I accessed my official XXXX XXXX dashboard ( see attached XXXX XXXX XXXX Paid In FulXXXX  ) which confirms : Account balance : {$0.00} No amount due Due date still active but no payment required This clearly demonstrates the account has been paid in full. 

XXXX. Experians Failure to Correct False Tradeline Despite submitting this receipt during dispute proceedings, Experian responded with a blanket denial and refused to adjust the account status. Their actions violate the following consumer protections : XXXX5 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation after dispute 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy in reporting 15 U.S.C. 1681s-2 ( b ) Failure to correct or delete information proven inaccurate Florida Statutes 501.204 Deceptive trade practices under FDUTPA III. Ongoing Harm This misrepresentation : Continues to suppress my credit score with their sham investigations Creates a false impression account not being settled. 

Has directly impacted financing, insurance, and housing opportunities as it increases debt ratios

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
SYNCB/Care Credit is continuing to report High Revolving Utilization and High Bankcard Utilization on an account that has been charged off and closed since XX/XX/XXXX, as shown in my credit report. This is a grossly inaccurate and misleading practice that negatively affects my credit profile every month. According to my report, the account was charged off and closed in XX/XX/XXXX, with a final balance of {$7100.00}. However, SYNCB continues to report monthly utilization activity ( XXXX and XX/XX/XXXX ), despite the fact that no charges or payments have been made since XX/XX/XXXX. This is not only factually inaccurate, but it is also a violation of the Fair Credit Reporting Act ( FCRA ), specifically regarding the requirement to report accurate and current information. I demand immediate correction of this reporting behavior and removal of all utilization remarks related to this account from the date of charge-off forward. My credit report is clearly showing : ( 1. ) The monthly high utilization flags in XXXX. ( 2. ) The charge-off status and closed date ( 3. ) A {$0.00} payment received, and no activity since XXXX. The account can not be showing high utilization if it has been charged off. I. SYNCB is misrepresenting this account as revolving and active, which is false and harmful.

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