vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 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: GA

Complaint narrative:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, XXXX, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA. 

Fraudulent Accounts & Inquiries : XXXX. XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/year> XXXX. XXXX XXXX Date of inquiry : XX/XX/year> XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : 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 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams, Rush & Associates, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Re : Request for Debt Validation I am writing to request validation of a debt that you claim I owe. I request that you provide me with the following information as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g : The amount of the alleged debt. 
The name of the original creditor. 
Detailed statements or documentation showing that I am responsible for this debt. 
Proof of your legal authority to collect this debt. 

Please provide this information in writing. Until I receive proper validation, I request that you cease all collection activities regarding this alleged debt. 

I also request that you do not contact me by phone regarding this matter, except for written correspondence. 

Thank you for your attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have came over with my XXXX kids to the Chase Bank Branch Office located at XXXX XXXX XXXX, XXXX, FL XXXX this afternoon, around XXXX, right after school. The purpose of the visit was to deposit the cash of the personal funds in the amount of {$7000.00} into the checking account in purpose to pay the credit cards etc. 
Once we got there, there was a huge line of the customers and a Branch employee asked us very politely what is a purpose of the visit. I told him to deposit the cash into the account. He asked how large the amount, I said {$7000.00}. He proposed to use the ATM located in the middle of the Branch Office and politely started helped us. I put {$7000.00} inside of the ATM machine in front of him and the ATM accepted {$6800.00} and got back {$200.00}, he helped me to put them back and the ATM machine got them inside and then
started making some noises reminding the money counting like 60 seconds.... And right after the Machine got dark and stopped working. He said the ATM was broken a few days and has been fixed then. He added no worries, we will help you getting a temporary credit for the whole amount of {$7000.00} until they will investigate what happened as he was a witness of the whole transaction. He asked another colleague to help me with this ( that guy asked me to wait as he was busy with another customer ) and I was asked by him to call the Bank and opened the investigation then. He also said you don't need to worry as my checking account will be credited today. I called by phone was giving to me and the Bank specialist told me that they apologized but I have to wait up to 10 business days until the investigation will be completed. I asked how is this possible especially the ATM is inside of the Branch and I have the Bank Employee as the witness who saw how {$7000.00} was loaded into the ATM. That employee was feeling extremely embarrassing and proposed his help by talking to his colleagues. He asked the lady over phone to talk with supervisor to try to solve this issue. However after 30 minuted talking with supervisor the request for the credit has been denied by Chase and I was forced to leave the branch after spending 1 hour and 30 minutes.

Everyone who was involved into the situation ( Chase employees, my kids, myself ) was shocked who is this possible to get the funds into the bank position inside of the ATM machine and asked to wait 10 business days to " investigate ''. Is this joke? Or what? They got the customer funds for 14 days for what reason? What about the customer plans? I should pay the credit cads bills etc... Please help me to get my funds at my checking account as my credit cards payments for over {$8000.00} will be bounced tomorrow. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: MA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.

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 2025-10-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: TN

Complaint narrative:
I went to XXXX on XX/XX/year> @ XXXX and gave them {$25.00} cash to put on my chime card.they told me that it had been put on there and gave me the receipt.an hr later it still wasn't on there, so I contacted chime and they said to give it more time, so i did.9 hrs later i contacted them again.they said if it was going to be on there it would be by the XXXX of XXXX.i said fine.i sent them receipts where i had deposited the money at XXXX into the card.they told me to watch my emails for when they messaged me, so i did.on XX/XX/XXXX i received an email that stated " an error occured therefore no funds will be credited to your account and this matter is considered closed.i dont understand how anyone can just keep your money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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:
My information was stolen and was used to open this t mobile account without my consent this account does not belong 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 2025-10-15 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: TX

Complaint narrative:
My information was stolen and was used to open this t mobile account without my consent this account does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MA

Complaint narrative:
On the XXXX of XXXX of the current year, I sent the remittance with reference XXXX for {$780.00} from Moneygram with an expected reception date of XX/XX/XXXX to be deposited to my account in XXXX. 

Once it was due to arrive, and since then, I have continuously called Moneygram and they indicate the money was sent to the bank. However, the application still shows that the remittance is in transit : ( Image of the application status ) and I have not received the money. 

They initially gave me the case number XXXX and told me to wait 10 working days.

10 working days later there wasn't any update to my case and I raised a complaint through the website XXXX It's been a month and my money has not been deposited nor refunded and this causing me financial struggles and delay credit card payments. 


I urgently need confirmation regarding what happened with the money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit report shows late payment entries I believe are incorrect. As required by 15 USC 1681e ( b ) and 15 USC 1681i, my report must only include accurate, complete, and verifiable information. I request that these late payments be verified, and if they can not be confirmed, corrected or removed.

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 2025-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/year> I sent a certified email to TransUnion, XXXX XXXX XXXX for issues with removing invalid inquiries and for detailed verification of a company who has been reflecting multiple loans. 

My letter wrote : I am writing to dispute the accuracy and completeness of a collection account appearing on my credit file. The item is reported by TransUnion on behalf of XXXX ( student loan servicer ) under my name. This account does not belong to me and continues to report with invalid and inflated fees. Because the information is inaccurate and can not be verified as required by law. Please include in your response : The name and address of the furnisher who verified this information ; The method and documentation used to verify it ; and An updated copy of my credit report reflecting any deletions or corrections. 

Failure to comply with these obligations may constitute willful or negligent noncompliance under 15 U.S.C. 1681n and 1681o, for which I reserve my right to pursue all available remedies. request its prompt deletion from my credit report. 

I have not received adequate documentation tying this collection to me as the correct consumer, nor proof that the collector has the right to collect or to report this tradeline. 

Under the FCRA 611 ( 15 U.S.C. 1681i ), you must conduct a reasonable reinvestigation of disputed information and delete or correct anything that is inaccurate, incomplete, or can not be verified generally within 30 days of receiving this dispute. You must also notify the furnisher of the dispute. 

TransUnion quickly responded verified without actually conducting a verification or providing any documentation or information how by who or anything regarding this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
In XXXX, I deposited two checks with Truist Bank totaling {$1500.00}. A hold was placed on the funds due to the nature of the deposit. Shortly thereafter, my account was frozen, and the funds remained inaccessible. 

I visited my local branch and explained the situation to the branch manager, who promptly escalated the matter internally via email and phone. I was informed by the investigation department that the hold was pending verification of the funds. 

On XX/XX/XXXX, the State of Tennessee confirmed that the check had cleared on their end and that there was no valid reason for the funds to remain on hold. Both the branch manager and a Truist associate over the phone stated that a physical check would be mailed to me once verification was completed. 

Despite this assurance, I have not received the check. My account was subsequently closed, and I was accused of fraudulent activity without any resolution or clear explanation. This situation has caused significant hardship and remains unresolved despite my good-faith efforts to cooperate and provide proof of the checks legitimacy. 

I am requesting immediate resolution, release of the held funds, and removal of any fraudulent flags associated with my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This account was paid in full, yet it continues to reflect late payment marks.

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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This account was paid in full, yet it continues to reflect late payment marks.

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 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/year> I was using my capital one quicksilver card to make a small purchase of tobacco. Shortly after I too my lunch break to purchase lunch from my usual spot thirty minutes later upon using it the card was declined. Checking my account which was under 15 % utilization of my credit and had a recent payment placed a two weeks prior. Further reading I found they restricted my card with no details. Calling their help line with a thirty minute hold I received their support person which told me they had restricted my account possibly for fraud which she wasnt sure that was the reason and I was told they will reach out to me in 14 days. I asked them if there was any more information but that and was told they cant provide this information due to the account being restricted

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: GA

Complaint narrative:
This is my fifth follow-up concerning ongoing inaccuracies and unauthorized entries on my credit file that violate my rights under the Fair Credit Reporting Act ( FCRA ). These errors remain misleading, inconsistent, and are unfairly damaging my credit profile. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXalance : {$320.00} XXXX XXXX  Reported as a charge-off with inconsistent balance information requiring reinvestigation for accuracy. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balances : {$1300.00} and {$1800.00XXXX XXXX XXXX XXXXhis debt is being reported twice under the same account number with differing balances, constituting duplicate reporting. Only one verified, accurate version, if valid, should remain. 
Questionable or Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Reported inconsistently

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: GA

Complaint narrative:
This is my fifth follow-up concerning ongoing inaccuracies and unauthorized entries on my credit file that violate my rights under the Fair Credit Reporting Act ( FCRA ). These errors remain misleading, inconsistent, and are unfairly damaging my credit profile. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXalance : {$320.00} XXXX XXXX  Reported as a charge-off with inconsistent balance information requiring reinvestigation for accuracy. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balances : {$1300.00} and {$1800.00XXXX XXXX XXXX XXXXhis debt is being reported twice under the same account number with differing balances, constituting duplicate reporting. Only one verified, accurate version, if valid, should remain. 
Questionable or Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Reported inconsistently

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 2025-10-15 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
SYNCB/XXXX 3090 day lates, charged off, unpaid loss. 
Excessive XXXX late notations ( impossible reporting ) ; unverified charge-off. 
FCRA 623 ( A ) ( 1 ) ( A ) ( furnisher duty of accuracy ) ; 607 ( B ).

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 2025-10-15 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: Security Credit Services, LLC
State: TX

Complaint narrative:
I am extremely disappointed and frustrated to find negative items in my credit profile. It is simply unacceptable and outrageous that such baseless claims have been reported against me. I demand that you immediately remove any derogatory information about me from your records! These allegations against me are completely false, and I have yet to receive any substantial evidence to support them. Your report contains numerous deviations from mandatory reporting standards, which means that the information in it can not be accurate and complete. I am challenging you to provide me with documented proof that the information you have reported is accurate and in compliance with all the relevant regulations. According to 15 U.S.C 1681e and 12 CFR Part 1022 ( Regulation V ), it is your responsibility to furnish accurate and truthful information about me. You have also failed to conduct a reasonable investigation of my disputes. Any mistakes in reporting can seriously impact my reputation and financial standing, and I demand that you take this matter seriously. Your carelessness and unethical practices are unacceptable, and I expect you to investigate the validity of the inaccurate items in your report and replace them with accurate ones or remove them altogether. It is your duty to protect my rights and ensure that your reporting meets the highest standards of accuracy and integrity. I will not hesitate to take further action if you fail to address this matter properly. 

XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX is the name of the collection agency i need removed FOR THE AMOUNT OF {$2300.00}!!!! According to FRCA section 605 B it is illegal to report information on my credit report without my permission I am not liable for this debt with Code 15 USC 1929c states thats a debt collector may not communicate with any person other than the consumer, my attorney, a consumer reporting agency in connection with the collection of any debt without my prior consent of the consumer or express permission of the court and I did not give them permission neither did the court also of a consumer alerts the debt collector that the consumer refers to pay a debt the debt collector must cease all communications Also Section 604 15 u.s. code 1681 b clearly states that credit reporting agencies dont have the right to report anything on my credit report without my consent which they did also Section 605 15 U.s code 1681 C-1 States that with no consent = identity theft which is correct because no credit agencies have my consent.

Section 605 B 15 U.S. code 1681 C-2 States that if there notified about something on my report from identity theft or fraud its clearly because I did not consent to it I need these collections account removed off my credit report this is not mine I did not consent to that

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 2025-10-15 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: Kikoff Inc.
State: PA

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I dont recognize and did not authorize

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation