vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UPGRADE, INC.
State: FL

Complaint narrative:
I have an account with XXXX Bank and almost XXXX months ago I was in the process of purchasing a property and I needed a down payment to purchase the property. My XXXX have offered to borrow me the money and I reached out to XXXX XXXX  asking them XXXX XXXX that I need to be able to receive a wire on my account. I expressed the purpose of me receiving the wire, the intention of the wire, what am I anticipated to use the wire for, and the agents told me that yeah I'm allowed to use the account for that specific reason. I said okay can you help me with the information that I need to be able to send to my iXXXX  to be able to send me a wire for the funds. They provided me the information. I sent the information to my XXXX They wired me the funds and I scheduled the wire out of the account to be able to send it to the XXXX  account that was given to me by my agent. After I received a call from them for a wire verification, before you know it my account is XXXX XXXXnd it's been almost XXXX months now without them telling me the reason why my account was XXXX. I have been told multiple times that this process would take up to XXXX to XXXX  days and I have waited more than that and they still haven't said anything to me. I've reached out multiple times asking them the reason why I haven't had any information from them and most of the time no resolution has been made. They keep telling me that I should keep looking out for email, keep looking out for email and it has passed the timeline that they have stated to me and they also passed the timeline they have included in the privacy and policy in terms of condition that I went through and read. So at this point which has resulted me to signing a new lease at the apartment companies that I live that's more expensive instead of me actually acquiring a house and paying my money towards my mortgage. Now I'm paying my money towards the apartment companies, wasting money that I was supposed to pay towards my mortgage because XXXX XXXX has decided to XXXX my account without telling me a reason why my account has been XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony Bank closed my Amazon XXXX Card without notice or explanation. I have never been delinquent on payments and paid off the balance previously and continued to use the card for Amazon purchases. My credit score according to what is posted on their app is XXXX. I feel their action is unjustified and unfair. My account should be reopened and my credit report corrected immediately.

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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Experian, this is a formal notice regarding your failure to comply with my block and delete request under XXXX USC XXXX. The fraudulent accounts listed in my dispute remain on my credit report despite the four-day requirement mandates by law. If the fraudulent information is not removed immediately, I will escalate this matter to legal action. I previously submitted all required documentation with my dispute that was XX/XX/year> which included a copy of my government issued ID, a utility bill, ssn, and signed identity theft affidavit.

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 2025-06-03 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: NC

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( XXXX  ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under XXXX US code XXXX ( b ) and XXXX use XXXX ( XXXX ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXX * * * * - Date Opened XX/XX/XXXX Account Name : XXXX OF XXXX # XXXX * * * * - Date Opened XX/XX/XXXX Account Name : XXXX FIN SVC # XXXX * * * * - Date Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
A family member who has my information authorized themselves to my credit card accounts and opened up a credit card and got it shipped to them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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:
Due to identity theft resulting from a data breach, fraudulent accounts have impacted my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete these items within 4 days : 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 IL XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$900.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$840.00} XXXXXXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$580.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7800.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$13000.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$740.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$740.00} Inquiries XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date XXXX XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/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 non-monetary relief
Consumer complaint received 2025-06-03 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: CA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( XXXX  ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal 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 2025-06-03 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: DE

Complaint narrative:
Please be advised that my credit report has been XXXX  due to a XXXX XXXX. Pursuant to Section XXXX of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ( a ) ), I am requesting the blocking and removal of fraudulent accounts within XXXX  days : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-03 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: CA

Complaint narrative:
My nonpublic personal information has been unlawfully disclosed to non-affiliated third parties without my consent, violating my privacy rights under federal law, including the XXXX XXXX. Additionally, the listed items have been furnished without a permissible purpose, in direct violation of FCRA XXXX ( XXXX U.S.C. XXXX ). Furthermore, under FCRA XXXX ( XXXX U.S.C. XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am unable to print my credit report on Equifax website. I am unable to print my credit report from the free membership access on Equifax website. I am unable to print my credit report from the paid membership access on Equifax website. I have canceled my paid membership subscription due to lack of access of a physical copy of my credit report which I am legally supposed to have access to my information. I called Equifax to receive a copy of my credit report which I had to verify all of my very sensitive information over the phone. The Equifax representative said it will take up to 15 days for me to receive it. Its been 30 days, the credit report was never sent and I never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TN

Complaint narrative:
I filed a dispute that happened XX/XX/year> after dealing with the direct merchant for over two months and getting absolutely no help- Chime was contacted. A dispute was filed, and within a few days- denied. I had this reopened and uploaded new and evidence and within two business days, denied once again. I have requested documentation on the initial reasoning for the dispute and it was never provided. I have receipts, messages, emails from the direct merchant which was XXXX XXXX. And NOTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently obtained a copy of my Experian credit report, and it reports that I have an account with XXXX XXXX opened on XX/XX/year>, and it is currently delinquent with an outstanding balance of {$230.00}. I contacted them in XXXX XXXX XXXX report a " hard inquiry '' that I did not authorize. I was reassured by the customer service credit department that the unauthorized inquiry would be removed ; it was not removed, and resulted in an account being opened without my approval or authorization.

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 2025-06-03 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: MO

Complaint narrative:
I am disputing a collection account reported by XXXX XXXX with account number XXXX. I believe this account is inaccurate because I do not recognize this debt and have never received validation. The amount is incorrect and does not match any known obligation. According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable information on my credit report. I am requesting a full investigation into this account. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and verifiable reporting. I have attached relevant documents. Please investigate this matter and provide confirmation of the results. If the item can not be verified, I request its removal from my credit report.. I believe this account is inaccurate because I do not recognize this debt and have never received validation. The amount is incorrect and does not match any known obligation. According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable information on my credit report. I am requesting a full investigation into this account. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and verifiable reporting. I have attached relevant documents. Please investigate this matter and provide confirmation of the results. If the item can not be verified, I request its removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
XXXX in XXXX XXXXXXXX XXXX and XXXX paid the balance on the car.

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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: GA

Complaint narrative:
There were several attempts made since XXXX  to correct the following : -Misspelling of my name -Incorrect address - Incorrect account information regarding student loans with XXXX individual accounts totaling the amount ( {$70000.00} ). 
-incorrect accounts of collections. 
Since the data breach of each of the bureaus, my credit report has reflected false information and to no avail has yet to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Recovery Services, LLC
State: ID

Complaint narrative:
XX/XX/year> I received a notice of debt collection ( dated for XX/XX/year>, but received on XX/XX/XXXX ) from Medical Recovery Services LLC in the amount of {$1300.00} principal with {$230.00} in interest. The listed debt only included an acronym and no clear identifying information of the original alleged debtor. I did not recognize the acronym, nor do I believe I have any unpaid debt that warrants collections. 

XX/XX/year> I reached out to the offices of Medical Recovery Services LLC via the e-mail provided on their website, disputing the debt and requesting a letter of validation. I received no response from the collector, either via e-mail, nor registered mail. 

XX/XX/year> I received a phone call from a number listed as Medical Recovery Services. I was at work and unable to receive the phone call. No voicemail was left. I did not attempt to contact the company in response. Under the FDCPA, the collector was required to cease collection attempts until I received the requested letter of validation. This phone call, an attempt to collect the debt, constituted the first violation of the FDCPA. 

XX/XX/year> I received notice that Medical Recovery Services LLC is suing to collect the debt. Having still not received a letter of validation, this constituted a second violation of the FDCPA. 

XX/XX/year> Having reviewed my options, I have opted to submit this complaint to the CFPB and to speak with Medical Recovery Services LLC to alert them to the complaint, as well as to request an immediate withdrawal of the lawsuit. Failing that withdrawal, I will be filing my answer disputing the validity of the debt and filing a counter-suit for the FDCPA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
Company was very rude when I explained I couldnt pay and I requested my XXXX information just in case it gets to that point. They also keep calling everyday when I keep telling them I can not pay and theyre not nice at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed XXXX XXXX XXXX XXXX. I ask that these items be deleted so XXXX XXXX XXXX  will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from XXXX XXXX XXXX as soon as possible. Please block this information from XXXX XXXX XXXX  pursuant to section XXXX of the Fair Credit Reporting Act.

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 2025-06-03 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: NJ

Complaint narrative:
I'd like to let you know that there are items on XXXX XXXX XXXX XXXXhat have resulted from fraud to which I never benefited from. I am in complete disbelief, as a XXXX XXXX this is incredibly insulting to have my rights as a consumer violated. I need you to prevent further XXXX and fraud to my personal information by having all these fraudulent transactions and account removed from XXXX XXXX XXXX  now. I expect this to be resolved immediately. It would be a big help to lessen the tremendous XXXX XXXX XXXX it's causing 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 2025-06-03 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am asking for your help to review accounts from these companies that are wrongly reporting late payments. After reviewing my credit report, I noticed some accounts showing incorrect late payment marks. There should be no late payment remarks on these accounts, so please remove them and update the accounts to show as positive and current.

Company response to consumer: Closed with explanation