vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Subject : DEMAND FOR IMMEDIATE DELETION OF UNVERIFIABLE COLLECTION ACCOUNT VIOLATIONS OF 15 U.S. Code 1692 ( g ), 1692 ( c ), 1681i ( a ) To Whom It May Concern, I am formally demanding the immediate deletion of the collection item you are reporting to Experian with a balance of {$4400.00}, referencing the alleged original creditor XXXX XXXX XXXX, opened XX/XX/XXXX. 

Your reporting and continued collection efforts violate multiple provisions under federal law : FDCPA VIOLATIONS : - 15 U.S. Code 1692g ( a ) You are required to provide validation of the debt within 5 days of initial communication. I have no record of receiving proper validation, including the original signed agreement, full itemization of the debt, or proof of ownership of the account.

- 15 U.S. Code 1692c ( c ) You must cease all collection activities after being notified to stop. This letter serves as notice under this statute. Continued reporting or communication constitutes a willful violation of federal law.

FCRA VIOLATIONS : - 15 U.S. Code 1681i ( a ) Information must be accurate, verifiable, and complete. This account appears unverified, outdated, and was previously disputed. Continuing to report it without full re-verification and documentation constitutes negligent and/or willful noncompliance.

- 15 U.S. Code 1681s-2 ( b ) As a furnisher of information, you are required to reinvestigate and correct or delete inaccurate or unverifiable data when notified of a dispute. No such correction has occurred. 

This is your final warning. You are hereby directed to : XXXX. Permanently delete the above-referenced account from all consumer reporting agencies. 
XXXX. Cease all communication and collection activity effective immediately. 

Failure to comply within XXXX calendar days will result in legal action and complaints filed with : - The Consumer Financial Protection Bureau ( CFPB ) - The Federal Trade Commission ( FTC ) - XXXX XXXX XXXX XXXX XXXX XXXX - Civil action under 15 U.S.C. 1681n/o and XXXX, for damages, attorneys fees, and injunctive relief. 

You have been notified.

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
This is a formal escalation of CFPB ComplainXXXX XXXX XXXXXXXX. 

SoFi is willfully violating Regulation E by treating Face ID access as authorization, hiding behind XXXX XXXX Terms, and issuing recycled denials without reviewing my evidence or police report. {$3800.00} in coerced transfers were disputed XX/XX/XXXX, provisional credits revoked XX/XX/XXXX, denial sent XX/XX/XXXX past my attorneys deadline, and recycled again to the CFPB on XX/XX/XXXX. 

This is a deliberate compliance failure and pattern of evasion. I request CFPB coordination with the XXXX ( Case XXXX XXXXXXXX ) to compel reimbursement and force SoFi into Regulation E compliance.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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: MI

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 XXXX 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I got a loan with XXXXXXXX XXXX in XX/XX/year> and they sent me a check to pay off Santander. They were paid in full yet in XX/XX/year> I got a bill saying that I missed my payment and I proceeded to get a bill every month. I called XXXX XXXX  and they sent me the cancelled check and the list of everyone they paid off. I sent it to Santander and they said they had never received the check. I proceeded to send them a copy of the check every time I got a bill. I finally asked them to cease and desist and they refuse to do so. They now list my account as uncollectible. My credit score has gone down XXXX points in XXXX year because of them. Last week, I reported them to XXXX different credit report companies to dispute their claim.

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: FL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3400.00} XXXX & XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$320.00}

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: IN

Complaint narrative:
I was a victim of fraud to a XXXX for {$900.00} dollars that I did not authorize nor do I know this person a chime supervisor told me on recordings is get my money back and I did not they also added evidence for me to support my claim they saw that my phone number was connected to the person that stole my funds and they noted this evidence for the fraud team and it was denied still as if they did not acknowledge any evidence of the blatant fraud transaction they even verified it as fraud and chose to not pay me I need help Ive given them all the evidence i had plus chimes own supervisors as evidence and witness of the fraud thats there fault. Its all noted and recorded

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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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: Experian Information Solutions Inc.
State: TX

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

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX & XXXX - Account Number : XXXX * XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} XXXX  XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX - Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3500.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: SC

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: MD

Complaint narrative:
On XX/XX/year> I disputed a debit card transaction with PNC Bank involving an international merchant. About XXXX months into the dispute, the merchant emailed me stating that my order has been refunded, which is an acknowledgment that the original charge was not valid. However, no refund ever posted to my account, and the merchant provided no proof that a refund was processed. 

On XXXX XXXX PNC Bank sent me a denial letter stating they did not find an error and that their explanation of determination for denying my dispute was attempt to recover funds from the merchant was unsuccessful at this time Under the Electronic Fund Transfer Act and Regulation E ( 12 C.F.R. Part 1005 ), the banks responsibility is to determine whether an error occurred, not whether they can recover funds from the merchant. A failed recovery attempt does not shift the loss to the consumer.PNC Bank in this instance decided the dispute based off of recovery and not the validity of the dispute which is required under Regulation E. By the merchant sending me an email telling me that my order had been refunded it was an admission on their part that the charge was not valid/ is in error and I was due a refund.

I am requesting that PNC reopen the dispute, provide all documentation used in their investigation, and issue a credit for the disputed amount in compliance with Regulation E.

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: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Re : Request for Debt Validation under the Fair Debt Collection Practices Act To Whom It May Concern, This letter is being sent to you in response to your [ letter/phone call ] dated [ insert date ]. This is not a refusal to pay, but a notice that I am requesting validation of the alleged debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Under the law, you are required to provide the following information : 1. The name and address of the original creditor.

2. The original account number.

3. The amount of the alleged debt, including an itemized statement of all fees, interest, and charges.

4. A copy of any judgment, contract, or agreement bearing my signature that proves I have a legal obligation to pay.

5. Verification that you are licensed to collect debts in my state, including your license number and issuing agency.

Until you provide the above documentation, you must cease all collection activities on this account, including reporting to any credit bureau. If you have already reported this account to a credit reporting agency, please inform them that the debt is disputed as required under the Fair Credit Reporting Act ( FCRA ).

Be advised that any further attempt to collect this debt without proper validation will be documented and may be considered a violation of the FDCPA and other applicable laws.

I expect your response within 30 days of receipt of this letter. Please send all correspondence to the address listed above. 

Sincerely, XXXX XXXX

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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ZIONS BANCORPORATION
State: CA

Complaint narrative:
My mail was held up from my home and then my money was removed from my account. 
Myself, daughter and grand daughter had to go to the bank and find out what issued was it where my mail was not coming to my home. Then they product a signature page that does not belong to me. I had XXXX XXXXXXXX in my IRA they claim I removed XXXX  XXXX with a fault signature. They still have not produce a

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: VA

Complaint narrative:
I had several accounts on a service provider by the name of Cash App. I verified my identity and legally set each account however, my phone was destroyed and when I became XXXX XXXX XXXX  destroyed physical debit cards per their regulations. Upon release from XXXX I attempted to login to my accounts but was unsuccessful. I contacted the customer service department at Cash App and they advised that all of my accounts were flagged by the FBI. I asked for proof of this and an explanation of how I could contact anyone at the FBI regarding this matter to obtain information about my money. No one has responded to me and all my attempts to communicate with Cash App have been in vain. I desperately need some assistance with this matter and would appreciate any support that you may provide.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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: EQUIFAX, INC.
State: AR

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-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 — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation