vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, GA XXXX Last 4 of SSNXXXX The following account was charged off as of ( XXXX, XXXX ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following account : XXXX XXXX - XXXX Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/2025 Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX RE : Formal Demand to Immediately Block Identity Theft Information FCRA Section XXXX Compliance Required To Whom It May Concern, This letter is in response to your recent communication regarding my identity theft report and your refusal to immediately block the fraudulent information on my credit file. Let me be absolutely clear : your decision is in direct violation of federal law, specifically the Fair Credit Reporting Act ( XXXX  ), XXXX U.S. Code XXXX ( Section XXXX ). 
According to this statute, upon receipt of the proper identity theft documentationwhich includes : A valid FTC report ; Proof of identity ; A written statement from me identifying the fraudulent information and requesting that it be blocked ; Equifax is legally required to block the information from my credit report within XXXX ( XXXX ) business days. It is not discretionary, and it is not subject to further investigation delays. The law is very clear : the information must be blocked unless there is substantial evidence that the report was false or inaccurate, which you have not provided and have no grounds to assert. 
Your claim that the information has been forwarded to the furnishers for investigation and a decision will be made within XXXX  days is wholly unacceptable and again, noncompliant with the FCRA Section XXXX. This process is not to be delayed while furnishers " investigate '' what is already identified as identity theft. That is the entire purpose of filing the FTC report As such, I am now demanding that Equifax immediately block and remove all information related to identity theft as detailed in my previous correspondence. Failure to do so will result in a formal complaint being filed with : The Consumer Financial Protection Bureau ( XXXX  ) The Federal Trade Commission ( XXXX  ) The Office of the Attorney General in my state And, if necessary, a civil action lawsuit under FCRA, where damages can exceed {$1000.00} per violation, plus punitive damages and attorneys fees. 


I am attaching ( again ) all required documentation for your convenience. You are now on notice. 
You have XXXX ( XXXX ) business days from the receipt of this letter to comply. I suggest you act accordingly. 
Sincerely, XXXX XXXX XXXX Reference to complaint ID : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: Chime Financial Inc
State: TN

Complaint narrative:
On XX/XX/year> I discovered fraudulent payments to XXXX in my checking account with Chime Bank. I immediately called their customer service department to report the fraudulent charges. They said they would lock my account, report it to their fraud department and it would take XXXX days to resolve, which I expressed my disappointment with. 
On XX/XX/year> I saw that they had reversed the fraudulent charges on XX/XX/year>, but on XX/XX/year> and XX/XX/year> more fraudulent payments were made to XXXX that completely wiped out my account and left a - {$1.00} balance. 
I again called Chime to report all this and ask how this could happen, if the account was locked. They could not give me an answer. 
On XX/XX/year> I filed a report with XXXX ( Report number XXXX ), a police report and reported the incidents to the XXXX major credit bureaus. 
I sent a letter by certified mail to the XXXX co-founders, head of security and chief of staff of Chime on XX/XX/year> with all the fraudulent transactions and requested my account to be closed and the money returned to me in the form of a check by mail within XXXX business days of receipt. They received the certified letters on XX/XX/year>. I have not heard from anyone with Chime as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Bayside Credit
State: CA

Complaint narrative:
In XX/XX/XXXX, I took out an auto loan through Bayside Credit for a XXXX XXXX XXXX XXXX with over XXXX miles. I put {$2700.00} down and was charged $ XXXX for 48 months, totaling {$16000.00} on a vehicle worth only ~ {$4800.00} at best. 

The car had serious mechanical issues that were not disclosed at the time of sale, including a broken axle and a failed catalytic converter. I paid over {$12000.00} total before the vehicle was repossessed. Bayside then charged off the loan and is still reporting a {$9400.00} balance. 

This is unjust and a clear example of predatory lending. I am requesting the account be removed from my credit report and investigated under unfair lending and consumer protection laws. Ive also disputed this with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
whenever i apply with onemain, the denail email always lists no credit file as the denial reason. i have a fico score at all three bureaus and XXXX, XXXX credit history so theres definitely a credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: TN

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 explanation
Consumer complaint received 2025-07-08 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: KY

Complaint narrative:
Subject : Unlawful Reinsertion of Previously Deleted Information Violation of FCRA XXXX ( a ) ( XXXX ) ( B ) To Whom It May Concern, I am submitting this complaint to report a violation of my rights under the Fair Credit Reporting Act ( XXXX  ), Section XXXX ( a ) ( XXXX ) ( B ) [ XXXX U.S.C. XXXX ( a ) ( XXXX ) ( B ) ]. 

The following accounts were previously disputed and deleted from my credit report, but have now been reinserted without any written notice within XXXX ( XXXX ) business days, as required by law : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX Under FCRA XXXX ( a ) ( XXXX ) ( B ), a credit reporting agency may not reinsert a previously deleted item unless : XXXX. The furnisher of the information certifies that the information is accurate and complete, and XXXX. The consumer is notified in writing within XXXX business days of the reinsertion. 

I was never provided with : Written notice of the reinsertion The name, address, and phone number of the furnisher A copy of the documentation used to verify and reinsert the accounts This is a clear violation of the FCRA. 

I am requesting the following : Immediate deletion of the unlawfully reinserted accounts A copy of the documentation or certification used to justify the reinsertion Written confirmation of compliance within XXXX  days I respectfully ask the Consumer Financial Protection Bureau ( XXXX  ) to investigate this matter, as my rights as a consumer have been violated, and the reinsertion of this information without proper notice has caused me harm. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
I have been trying to change my phone number with Continental finance and their credit card is called XXXX  credit card. They are refusing to change my phone number because they need to see or have me send a bill over to them for proof. Ive never had this issue before I have to pay to send this info and waste time and they dont want to simply change it on their end because they to see proof that I changed my phone number. I had no issue with any other credit card companies on updating my phone number but they are the only ones that are giving me a hard time to even activate a new card without having to verify the new phone number. I keep having to call them on updating this info with your adamant they need to see an updated bill for my telephone provider, but Im not sending that information over. They already have all my personal information. I dont understand why they want me to send this over to them. They have not handled this correctly.

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 2025-07-08 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: TX

Complaint narrative:
I have previously disputed with 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 2025-07-08 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:
I have previously disputed with 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 non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Marlette Funding, LLC
State: MI

Complaint narrative:
Ive been a good customer of this bank for years never had any major issues but now the first time I really had an issue with two transactions both are the exact same amount {$130.00} in the merchants name is XXXX. I have no knowledge of who this is Well I didnt win it was done. I have more education now about the merchant since Ive been fighting this. I even contacted the merchant and they tell me they dont have anything with my name on it so please best egg can you please provide some proof? How did you come to the conclusion that these transactions belong to me? Ive never done business with this company. You tell me that I didnt provide any proof what proof Ive never done business with them how would I prove that theres XXXX XXXX companies out there that Ive never done business with they dont write you a letter and say no this person is never done business with us. They just dont companies dont do that so please tell me what exactly is it that you want to prove that Ive never done business with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I am disputing an account reported by Professional Debt Mediation ( PDM ) on my credit report. I do not believe this debt is accurately reported, and I submitted a written request for debt validation through XXXX XXXX, clearly stating that I disputed the debt and requested no phone communication. PDM did not provide adequate validation but still reported the account to the credit bureaus. Additionally, they improperly contacted a third party ( a co-signer ) by phone after I had asked for all communication to go to me directly. This has caused reputational and credit harm, and I am requesting that the account be removed or corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: TN

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 4 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 XXXXXXXX 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, Balance : {$15.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$110.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$11.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$38.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$27.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$14.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$71.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance : {$47.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$37.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$5.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$10.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXalance : {$15.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$16.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$46.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$290.00}

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 2025-07-08 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: SC

Complaint narrative:
Beginning XXXX, I have been submitting request for an investigation into some of my debt accounts. Requesting that Experian submit for evidence of all dispute investigations. They have failed to provide any documentation, instead they send back investigation results days after receiving the dispute. They are now sending emails indicating they do not believe the dispute came from me or was authorized by me. I am simply asking them to provide XXXX of 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 2025-07-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I am filing a dispute against Huntington Bank for failing to comply with the federal requirements under Regulation XXXX ( XXXX XXXX XXXX ). 

On XX/XX/year>, I reported an unauthorized or incorrect charge of {$3900.00} to my debit account for a damaged product purchased from XXXX. I received a defective computer that arrived with visible physical damage and did not match the condition promised at the time of sale. 

I promptly filed a dispute and submitted all required documentation, including : A XXXX copy of the original invoice, Photos of the damaged product, Screenshots of my communications with the merchant, A photograph of the printed invoice from the shipment, A compliance document from the box. 

Despite this, XXXX has : Refunded only {$49.00}, Failed to provide provisional credit for the remaining {$3900.00} within XXXX business days, Continued to keep the case open without resolution or compliance with Regulation XXXX timelines. 

Additionally, I am concerned that the bank is improperly allowing XXXX internal policy ( which states that customers must pay for return shipping ) to influence the outcome of the dispute even though the issue is about receiving a damaged product, which should qualify for protection under federal law. 

This situation has remained unresolved for over the legally allowed timeframe, and I am requesting that the CFPB investigate Huntington Bank for failure to comply with its obligations under Regulation XXXX, and take appropriate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: TX

Complaint narrative:
I have previously disputed with 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: EQUIFAX, INC.
State: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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