vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG HOLDINGS INC
State: TX

Complaint narrative:
Cash Store has been selling my information to multiple Debt Collection entities claiming that they are going to sue me and send my case to the civil suit due to a debt way back in XXXX. They have on multiple occasions reached out to family members regarding a legal law suit against me and they have even reached out to my XXXX XXXX XXXX daughter regarding this debt. This is a violation of my rights as this has been going on for years and I have been HARRASSED by this company for a {$300.00} payday loan that I already advised them that I was not aware of and wanted documentation regarding this video footage they have of me walking into the loan place and getting a loan from them. 

On XX/XX/XXXX - They reached out to my XXXX XXXX XXXX daughter and left a voicemail on her phone. 

On XX/XX/XXXX - They reached out to my mother and my auntie and left threatening lawsuits and legal actions on they voicemail and sent a text. 

On XX/XX/XXXX - They FINALLY contacted me and stated that XXXX XXXX XXXX XXXX and that they are calling pertaining to a civil lawsuit that was placed in out of court mediations. 

This is the third time they have had someone contact me about a civil lawsuit but yet have never received documentation of these lawsuits and just a lot of harassment and angry people that are demanding that I take action or I will be subject to court fees or jail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me. The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIRST COMMONWEALTH FINANCIAL CORPORATION
State: PA

Complaint narrative:
The company cited with a hacker I was hacked. I had my GPS location off near my home, but I did not put my exact GPS location on. They looked it up and saw that it was near our around my home which is how I had it set up due to privacy matters I dont want people knowing where Im at. I have locations off And they decided with the hacker for {$2500.00} approximately and they wanted the money back after giving it to me it took them a month to do this then they requested I close my account or they were going to close it XX/XX/. They did close the account as my request three days Late. It said closed. On XX/XX/XXXX  they reopened the account without my approval or knowledge I got a notification on my phone that the account was reopened and in the minus of {$110.00} I called the bank told them it had been closed. They said we dont know what happened, but this was reopened the account And a credit was placed credits. Do not begin with a - {$110.00} I asked what it was. Nobody has any idea nobody has any idea it just comes up as a - {$110.00} in my account theyre asking me to pay for it as of XX/XX/XXXX  the account was closed as per them requesting and me asking they reopened this account without my knowledge or my consent I have changed banks in the meantime and I want nothing to do with these people. They are trying to get {$2500.00} from the girl who I was on the account with And that was her debit card that was hacked. They are claiming that because I was on the account that I have to pay this, I do not have to pay this. It was hacked. We had did our proper reporting and I told them exactly what all was used. The card was hacked. It was stolen. I did not have it in my Possession. It was hacked several different places, not just one and after I had shut the card off it was still being used or it was catching up on the past being used I dont know exactly I had given them back every account card that I was on. We closed every account that I was on with other people Even the one that I was on with the POA of another girl Hers was closed. Theres no problem with that. Just seemingly the one that is attached to me my account and my personal account which was not hacked XXXX. This was another card that I was on with another girls name. My account was hacked. My brother paid it off before we close the account and it had a XXXX balancea month and a half later something came in and they tried to add it to my account being the account was closed. There was no money in there. It shouldve never went through and it closed account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-08 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: IA

Complaint narrative:
I recently heckled my credit report and noticed multiple accounts thats not mine and are damaging to my credit history and Im unpleasantly unaware of these

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 2025-08-08 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX, Date Opened : XX/XX/, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-08 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: TX

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

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 2025-08-08 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: GA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-08-08 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 closed account on XX/XX/XXXX ( no notice was given until the next week a letter mailed that the account was closed for violating their deposit agreement. ( no specific violation ) I went into a branch and asked to get a portion of my money ( account had about XXXX ) in cash since it was the first I had bills to pay they refuse to give me any cash and told me I had to file a hardship request which the banker did that day. I was told to call back in 5 to 7 business days to see if the request had been approved. I called back on day six and they said that a check had already been mailed out a so I asked for the tracking number when they gave the tracking number it was showing that I was supposed to receive the check XX/XX/XXXX. So I called XXXX and they told me it was at a XXXX. I called XXXX and they said they no longer had it so no one knew where the check was. I called Bank of America and asked if they could cancel that check and re-issue it they refused to do that. And said that I had to wait for them to receive the check so that they can re-issue it I had no choice but to wait when I next checked the tracking number it said that they had received the returned mail around XX/XX/XXXX. So I called on the XXXX to confirm that it had been remailed and they said that I had to request it to be re-issued so I requested it to be re-issued and they said that I had to keep calling to get a tracking number and get any updates for this that they will not email me or mail any letters pertaining to whats going on with this closed account. So I have been calling every other day since the XXXX to see if this check has been mailed out so that I can receive the tracking number to make sure that I received this check. Today is XX/XX/XXXX, and they still do not have any information and have not mailed this check out I have bills from last month and now I have a new round of bills from this month that I can not take care of because of their negligence, bad faith and breach of contract Not only is my account closed every time I called the automated line. It says that I am still a gold rewards member. If my account is closed, I should not be any level rewards member. 

As of XX/XX/year> no new check has been issued to me I asked that this matter be escalated on XX/XX/XXXX and there has been no contact to see that this has been taken care of.

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 2025-08-08 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-08-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with cash advance — 
Company: Tilt Finance, Inc.
State: MI

Complaint narrative:
This company debited 2 payments of the same amount on the same day. When I initially reached out I was told it was an authorization only but the payment has settled. I was then asked to send screenshots to prove and I did. They have since completely ignored any attempts to reach them. I have tried for weeks via every channel possible and they are ignoring me yet they continue to take payments. I need help as the reviews of the company prove Im not the only one. They are stealing from already struggling hardworking people.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Caine & Weiner has knowingly lied in their response. I sent them a formal debt validation request on XX/XX/year>, which they never responded to. When I called, their representative demanded {$1.00} to verify the debt, which is an illegal practice under the Fair Debt Collection Practices Act ( FDCPA ) specifically 15 U.S. Code 1692g and 1692e.

Despite that, they continue to report this unverifiable debt to credit bureaus, damaging my credit with no legal basis. Their claim that they mailed verification is false. No documentation was received by mail, email, or any other means.

This complaint is now about more than the company its about whether the CFPB will do its job. If you allow Caine & Weiner to continue this illegal conduct unchecked, you are failing to protect consumers as mandated by law.

If the CFPB does not take enforcement action or force proper validation, I will escalate this issue by filing complaints with : The Office of the Inspector General ( OIG ) for the CFPB The Consumer Financial Protection Bureau Ombudsman The Federal Trade Commission ( FTC ) The Office of the Attorney General in my state The U.S. Senate Committee on Banking , Housing, and Urban Affairs This is not a game. Consumers have rights. The law is clear. I am demanding that this account be : Fully validated or deleted from my credit report That all collection activity stop And that Caine & Weiner be held accountable for attempting to extort a payment for something they are legally obligated to provide for free. 

The CFPB is supposed to enforce consumer law. Do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: OH

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> PENN CREDIT CORPORATIO Original creditor : XXXX XXXX  Account number XXXX Dear PENN CREDIT CORPORATIO Subject : Cease and Desist & Formal Dispute of Inaccurate Account Reporting This letter serves as a formal demand and notice under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) regarding the following account : Original Creditor : XXXX Account Number : XXXX Current Furnisher : Penn Credit Corporation I dispute this account in its entirety on the grounds that it contains inaccurate and unverifiable information. Under 15 U.S.C. 1692g and 15 U.S.C. 1681i, you are required to provide complete and verifiable proof of the alleged debt, including a signed contract, itemized billing, and proof of your legal authority to collect. 

Until such proof is provided, you must immediately : Cease all collection activities related to this account, including phone calls, letters, and third-party contact. 

Remove this account from any and all credit bureau reporting XXXX XXXX XXXX XXXX XXXX as it is disputed and unverifiable. 

Provide written confirmation to me within 30 days that the account has been deleted or corrected.

Failure to comply will result in my pursuing all legal remedies available, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Ohio Attorney Generals Office, as well as pursuing civil action for violations of the FDCPA and FCRA.

This notice is sent without prejudice to my rights, all of which are expressly reserved. 

sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Credit card accounts were open with out my knowledge

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

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
TransUnion is reporting inaccurate and misleading information regarding an account from XXXX that does not belong to me and contains false late payment history. 

Details : The account is listed as : Creditor : XXXX Reported Date Closed : XX/XX/year> Remarks : Paid profit and loss, Purchased by another lender Payment Status : 6089 days late Balance : {$0.00} I have never had a contractual relationship with XXXX and did not authorize or open this account. There is no signed agreement linking me to this debt. The late payment notations and derogatory remarks are factually incorrect and misleading.

I disputed this information directly with TransUnion on multiple occasions under 15 U.S.C. 1681i ( a ) and requested documented proof of validity, including a signed contract. They have failed to provide verification and continue reporting this inaccurate information, in violation of : 15 U.S.C. 1681e ( b ) Failure to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing information known or should be known to be inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Consumer Portfolio Services, Inc.
State: MS

Complaint narrative:
The vehicle 's transmission went out in XXXX of this year. The cost to repair the vehicle is equal to or more than the value of the vehicle. This is caused a financial hardship for me, and I am not able to purchase another vehicle due CPS negative impact to my credit. I am asking for cancellation of any remaining debt associated with my voluntary surrender. A representative spoke with the mechanic shop where the vehicle is located on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: NY

Complaint narrative:
XXXX was stolen from my chime account they did not give my money but so I would like to sue chime

Company response to consumer: Closed with explanation