vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 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: TX

Complaint narrative:
Re : Failure to Comply with FCRA 605B ( 15 U.S.C. 1681c-2 ) To Whom It May Concern, I submitted an identity theft dispute pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting that the following fraudulent accounts be blocked and deleted within the * * 4 business days * * mandated by law. I included my FTC Identity Theft Report ( # XXXX ), a copy of my government-issued ID, and proof of address. 

Fraudulent accounts requested to be blocked : - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$380.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX {$5400.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1700.00} - XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX Opened XX/XX/XXXX {$160.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX {$740.00} As of today, more than 4 business days have passed, and these items remain on my credit file. This constitutes * * non-compliance with federal law * *. Under * * FCRA 605B ( b ) * *, you are required to block and delete these accounts within 4 business days of receiving an identity theft report and proper documentation.

Your failure to comply places you in direct violation of the Fair Credit Reporting Act. If this matter is not corrected immediately, I will have no choice but to escalate my complaint by filing with : - The Consumer Financial Protection Bureau ( CFPB ) - The Federal Trade Commission ( FTC ) - My State Attorney Generals Office I demand that you provide me with written confirmation that these fraudulent accounts have been deleted from my credit file within * * 7 calendar 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 explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Chime Financial Inc
State: TX

Complaint narrative:
My chime app was compromised and someone deposited three {$100.00} checks into my account and was sent to some person that I dont know who was and I tried to get a dispute it and the resolution team said that it was me when I was specifically told that it wasnt my fault because the app was compromised. Specifically tell the agent that I had lost my phone and that it might have been stolen and she told me that it should be resolved within 10 days and the dispute came back today denied. Did not provide additional information either

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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 writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-09-05 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: CA

Complaint narrative:
I am filing this complaint on my own behalf to address inaccurate late payments appearing on my credit record. After thoroughly reviewing my records, I discovered the presence of these disputed late payments that do not accurately reflect my payment history. Despite having sent correspondence regarding this matter over 30 days ago, I have not received any response or satisfactory validation of these items from the reporting creditor. The lack of proper documentation and validation violates my rights under federal credit reporting laws, and I am seeking your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: SC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally disputing the fraudulent accounts listed on my credit report. I never authorized, opened, or had any involvement with these accounts. Their presence is false, inaccurate, and harmful to my financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: CT

Complaint narrative:
My mother died on XX/XX/year>. Bank of America sent a letter requesting a copy of her death certificate, which I personally walked into the XXXX branch and gave it to them on XX/XX/year>. Some weeks later, I walked back into the XXXX branch with a Court Order from XXXX XXXX stating that all funds from her checking account ending in XXXX should be released to me as I was the one who paid for her funeral and burial. I was told this documentation would be forwarded to the legal department and I would get a call in a few days. Today, XX/XX/year>, I call the legal department for an update and they tell me " they have no record of receiving the court order '', despite the fact I walked it into the branch on XXXX or XXXX and watched the woman behind the counter scan it. While I was at the branch, I also asked for their " letter of instruction '' form, which she did NOT provide me. Now the legal department is saying that I need to submit the court order all over again, fill out a letter of instruction form, and that the letter of instruction form can not be emailed or faxed once completed, it has to be MAILED in. All of which will just cause a delay, and they will probably " misplace '' it again. I have seen similar complaints to mine all over the internet, with regard to Bank of America withholding funds they are not entitled to. You lose a loved one, and Bank of America doesn't release the funds you're entitled to, DESPITE HAVING A VALID COURT ORDER.

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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Credit card was opened under my name and Im not able to get to go the account or anything because they tired to deposit a big check in my name this was on my XXXX XXXX  account

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 2025-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX I contacted citizens bank regarding paying off my loan via a refinance from another lender. Through a title search, my new company told me XXXX  has a XXXX against my home. My home is a conventional mortgage, which XXXX would not have a lien. I spoke to XXXX and they told me there was no XXXX ever field for a partial claim. On XXXX I spoke to citizens explaining how the deed shows a lien but XXXX  has no XXXX. Citizens said my loan was switched to a conventional loan in XXXX and I'm doing so, citizens to my initial partial claim and did a loan modification, extending my term with them. I requested a lien release to be filed with XXXX that same day. No response. On XX/XX/XXXX I requested the same thing I did not receive notification from Citizens in XXXX weeks, I called back on XX/XX/XXXX with no update. On XXXX I spoke to citizens and they said they would have a resolution in XXXX hours. We are now 4 days past and I haven't received a call or email. The process has caused me to pay 3 months extra interest to citizens. It is jeopardizing my refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX ( XXXX  ) for violating the Fair Debt Collection Practices Act ( FDCPA ). 

Since XX/XX/year>, I have received repeated calls from XXXX  regarding an alleged Bank of America debt. They have called me from multiple phone numbers, all of which I fact-checked through independent internet searches and confirmed as belonging to XXXX. I have attached a call log as evidence. 

Despite these repeated contact attempts, XXXX has never mailed me the required written validation notice within 5 days of their first contact, as required under 15 U.S.C. 1692g. Because of this failure, I have been denied my right to dispute the debt within 30 days, and their conduct amounts to harassment and noncompliance. 

Requested resolution : I request that the CFPB require XXXX  to either ( 1 ) provide proper validation of this alleged debt immediately and, if validated, allow me to resolve the matter for {$250.00} in light of their failure to comply with FDCPA timelines ; or ( 2 ) cease all collection activity if they are unable to validate. 

Finally, I note that I am now receiving calls from XXXX XXXX XXXX, XXXX ( XXXX ) regarding the same alleged debt, again without any written information or validation. This repeated transfer of my account between multiple agencies without proper communication adds to the confusion and demonstrates a continued pattern of mishandling and noncompliance. I will only work with XXXX  for this debt since they began the communication. 

Thank you for your assistance in protecting my consumer rights.

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 2025-09-05 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: OH

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am filing this complaint because I have been a victim of identity theft, which resulted in the fraudulent use of my personal information and unauthorized charges on my credit accounts. These fraudulent accounts and transactions are not mine. 
I first noticed unusual activity in my financial accounts when a small transaction appeared that I initially dismissed as an error. Over time, unauthorized purchases escalated. After carefully reviewing my credit card statements and online transactions, I identified multiple charges that I did not authorize. 
Despite this, lenders and credit bureaus have closed disputes against me, incorrectly stating that the balance owed to Midland Credit Management ( MCM ) is valid. This is inaccurate. My accounts were compromised, and I have kept my legitimate card payments current. 
MCM has further complicated this matter by failing to provide promised documentation. They told me twice that they would send me a packet of information that I needed to complete and submit to both the FTC and MCM. I have never received this packet. Instead, MCM continues to call and harass me over a debt that is not mine. 
Because of MCMs actions, false information remains on my credit report. This has harmed my credit score and limited my ability to move forward with legitimate financial activities. MCMs continued harassment and scare tactics are unfair and predatory. 
I am requesting that this fraudulent debt be removed from my credit report, that MCM cease collection activities, and that the appropriate agencies investigate MCMs handling of my identity theft claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
There were XXXX fraudulent charges/ACH drafts against our brand new checking account we set up with Wells Fargo . First was a {$300.00} XXXX on XX/XX/XXXX and we notified the bank on XX/XX/XXXX. Second one was an ACH against our account for {$4800.00} on XX/XX/XXXX. We attempted mediation with Wells Fargo in early XXXX, with no success.

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 2025-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I state that the late payment notations on my accounts are inaccurate and constitute a violation of 15 USC 1666. I have consistently made my payments on time, and these reporting errors are both unfair and unlawful.

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 2025-09-05 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: CA

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed : [ XXXX XXXX  ] [ XX/XX/XXXX ] [ XXXX XXXX ] [ XX/XX/XXXX ] [ XXXX ] [ XX/XX/XXXX ] [ XXXX XXXX ] [ 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 non-monetary relief
Consumer complaint received 2025-09-05 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

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 2025-09-05 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 -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: CO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. 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