vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 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:
I submitted documents to have fraudulent information deleted from my credit report ON XX/XX/year>. It has been more than 30 days and the CRA 's have been non compliant and willfully violate consumer laws and rights. 

To date, THE CRA 'S have failed to respond adequately and lawfully. You are required to conduct a reasonable investigation and delete or correct any unverifiable, inaccurate, or outdated information. 

Despite my legal request, you have continued to report inaccurate information in violation of the above statutes. This is not only negligent but a willful failure to comply with federal law. I provided evidence supporting my dispute that my information was in several data breaches. 

You Are Now On Notice I now demand that you immediately : Reinvestigate or delete the following accounts from my credit file : [ List each account you're disputing by name, creditor, and account number ( partial is okay ) ] Provide documentation validating that each account listed was : Reported with my written authorization ( 1681b ), Verified with the original creditor under FCRA 623, and Not a result of identity theft, if applicable ( 1681c-1 and 1681c-2 ). 

Failure to Comply Will Result in Legal Action If you do not comply within 15 days of receipt of this letter, I will have no choice but to take further action which may include : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney General Seeking relief through civil litigation for damages under 15 U.S.C. 1681n and 1681o You have had more than sufficient time to correct these violations. I expect full compliance now. 

Sincerely, XXXX XXXX MY NAME AND ADDRESS SHOULD ONLY SHOW 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 2025-07-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: EGL US, LLC
State: GA

Complaint narrative:
I applied for a loan through BMG Money ( WebBank ) and was denied three separate times between XXXX and XX/XX/year>. Each denial listed different, conflicting reasonsfirst length of employment, then SSN verification, and now credit score and debt-to-income ratio. 
I was told by BMG and coworkers that credit score does not impact loan approval, yet my denial on XX/XX/year> cited a Clarity Risk Score of XXXX and factors like payday loan history, retail accounts, and credit inquiries. 
This contradicts BMGs public messaging that they do not base approvals on credit scores. I requested to speak to a supervisor about the misleading information and shifting reasons, and was refused. The representative told me calls were queued and someone would call me back in XXXX hours, despite my urgency. 
I believe BMG is using deceptive practices to deny applicants based on credit history, while marketing themselves as credit-flexible. Im requesting the CFPB investigate their approval process and require transparency in what applicants are actually being evaluated on. I have copies of all denial letters available for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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 want to make it absolutely clear that this complaint is not submitted in error. My credit report contains inaccurate information that does not meet the required standard of maximum possible accuracy. These errors are causing ongoing harm to both my financial stability and personal well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
My identity was compromised by XXXX XXXX, who was a previous roomate, I opened a SAVINGS account with trust, made a {$100.00} cash deposit, and I was told that bank statement would follow by mail, I gave them my email & cell phone number, I never moved into the apartment & had to go back to NY for about 2 months, I went to trust and tried to close the account and get my {$100.00} back, only to find out that this person turned my savings account into a debit & checking account charging up {$6400.00} in fraudulent charges which Truist says that I made? Then I wanted to know why I was not contacted, I was told my email & phone had been changed & they would not tell me to whom? They said there fraud team would investagate it? They did a lot???? Then came the iceing on the cake, I get an overdue billing on a fraudulent loan for XXXX taken out on my name with no knowledge or signature. I am currently trying to get XXXX XXXX XXXX to help me.

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 2025-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

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 2025-07-07 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: IN

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2025-07-07 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: IN

Complaint narrative:
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 2025-07-07 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: Westlake Services, LLC
State: OH

Complaint narrative:
i didnt file for any type of inquiries. UNder law 15 USC 1681 N, i am requesting to have these hard inquiries removed or I will pursue {$1000.00} in damages for each inquiry i didnt request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: United PanAm Financial Corp.
State: OH

Complaint narrative:
i didnt file for any type of inquiries. UNder law 15 USC 1681 N, i am requesting to have these hard inquiries removed or I will pursue {$1000.00} in damages for each inquiry i didnt request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: SC

Complaint narrative:
This debt is not mine. I did not open an account the time this debt was placed on my account. I tried to dispute this and it has not been moved yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Dear Chase Fraud Department, I am writing to formally dispute your decision to deny my recent fraud claim regarding unauthorized foreign charges on my account ending in XXXX. Despite providing all required documentation including a police report, a letter from my physician confirming my condition and treatment dates, circumstances my claim has been wrongly closed, and I am now being held responsible for fraudulent transactions I did not make. 

I am a XXXX customer, and this ongoing issue is causing extreme distress and financial hardship. Both my physicians and my legal counsel are aware of this situation. I request that my case be immediately escalated to the Executive Office for urgent review. 

Please provide a detailed, written explanation of the evidence and methodology used to validate these charges. I also request all documentation pertaining to the investigation. If this matte. 

For your reference, I have attached my supporting documents again, including my doctors letter. 

Please treat this as a matter of urgency and respond within 48 hours. 

Sincerely, XXXX XXXX

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

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : 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 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 XXXXXX/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 2025-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
Hello, I received a text message around XXXXXXXX XXXX on XX/XX/year> stating if I made a XXXX purchase to press XXXX for no or XXXX for a rep to call back. I pressed XXXX as I was awaiting a call back I decided to call regions bank, but in the process the call came in and I answered bit mistake!! This rep was very professional knew everything regarding my account. My alert was up due to someone made a cash app transaction totaling over XXXX dollars a few months prior had to close card out ( this was my 1st experience with fraud ). So, when I received the call with his professionalism, I honestly thought I was speaking to a Regions rep. They use the same exact steps. He stated that he will need my assistance logging on due to private policy they can not know my password, so I followed his lead. Once I realized I was scammed I immediately called my bank and was informed to come in to close account and open a new account. I left work and did just that and that was on XX/XX/year>. My complaint did not get put in system until the XX/XX/year>. My claim was denied due to how the scammer ask me to take the money out friends and family.. I was told to file a police report and I did, but even after that several reps told me that I could not. This was my procedure money to have my XXXX XXXXXXXX, so I did not give up. I found a number online called and was able to file a 2nd complaint with Regions. Every since I have gotten the run around. They actually put monies back in my account ( prevision ) and then snatched it back a month later. I received no letters that this was going to happen. I was attempting to purchase an online item for my furbaby and payment was rejected that's how I found out. I left work again went into bank to speak with manager she also informed me that it was nothing else they could do for me. I called today on XX/XX/year> one rep telling me case close next rep stating that it is still open, but still no guarantee I will receive my funds. I am a single women with no family. I just need help trying to get my funds back for my XXXX XXXXXXXX. XXXX gave me the website because the transaction was made through XXXX. Thanks you so much for your time!! 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 monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: E-Backgroundchecks.com, Inc.
State: FL

Complaint narrative:
I recently became aware that BackgroundChecks.com may have accessed, stored, or shared personal information about meincluding potentially sensitive identifiers like my Social Security numberwithout my authorization or a permissible purpose under the Fair Credit Reporting Act ( FCRA ).

I have never submitted a background check consent form, nor have I applied for employment, housing, or any service that would legally justify BackgroundChecks.com accessing or compiling a consumer report on me. Any such activity would constitute a willful violation of 15 U.S.C. 1681b, which mandates that a consumer reporting agency may only furnish a report for limited and clearly defined permissible purposes.

Additionally, I have not been informed of my rights under 15 U.S.C. 1681g, which requires full disclosure of the information in a consumers file upon request, nor have I received any notice of adverse action that would trigger 1681m compliance.

BackgroundChecks.com is in violation of multiple FCRA provisions by : Collecting or disclosing my data without consent ; Failing to notify me of any report generated ; Failing to provide an opportunity to dispute or correct inaccurate information; Failing to verify the identity of the party who requested my data.

This unauthorized invasion of my privacy, along with your failure to produce any evidence of my consent, constitutes aggravated identity misuse under federal law.

I am demanding deletion, disclosure, and a permanent opt-out to prevent further misuse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: TX

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

I demand the late payment reported to be removed/updated.

This was clearly a billing error made my the company and is not a reflection of my payment experience.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: FL

Complaint narrative:
TO WHOM IT MAY C0NCERN identity Theft Report I am reporting that a fraudulent account was opened with The following accounts are fraudulent and must be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: Concord Servicing Corporation
State: FL

Complaint narrative:
I requested full verification of the alleged debt under 15 U.S.C. 1681i ( a ) ( 7 ), including : The method of verification, The purchase or assignment agreement, And the signed contract allegedly binding me to this obligation.

The documents I received do not meet these standards. Specifically : They sent only a form credit agreement and terms of service, not a contract with my name or signature.

They failed to provide any assignment of contract or bill of sale showing the legal right to collect or report the debt.

The document explicitly states : Contracts not availablemeaning no original, executed contract exists.

Without these required items, the debt remains unverified and improperly substantiated. Continuing to report this item on my credit file violates the Fair Credit Reporting Act and misrepresents the accuracy of the debt.

I am formally requesting that this account be deleted from my credit reports and that the debt not be reported or collected upon without proper legal documentation.

Company response to consumer: Closed with explanation