vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
XX/XX/XXXX : I open a high yield savings account with XXXX. 
XX/XX/XXXX : I attempt to connect my bank, XXXX doesn't take my bank ( but there's no indication of that ) I try resubmitting - instead of giving me an error message explaining it doesn't take my bank, it just locked me out permanently for too many attempts. 

XX/XX/XXXX - I call XXXX. They half-remedy the issue by unlocking my account, I thought everything was fine. 
- I find that I can't open any other new bank accounts. 
- I look up this issue, I discover that this will impact me for XXXX  years and the reporting bureau that would contain this info would be ChexSystems. I get the ChexSystems report, I have a completely clean report from Chex Systems. 
- I make a CFPB report to get this settled. 
- As attached below, I've even received inaccurate rejection letters from banks like XXXX, clearly there is something on my file but I am not allowed access to it nor have I been able to fix it. 

XX/XX/XXXX : XXXX from XXXX contacts me. I reply explaining that Chex Systems says I have nothing negatively marked on my account - therefore I need to understand what's in the XXXX system because their employees could tell I had a negative mark of some kind on my account. XXXX never replies to my email. I could be wrong about this- but I do not remember the CFPB notifying me that this report was closed. If you go into my XXXX report you can see that XXXX 's recommendation is to contact Chex Systems- the bureau that has a completely clean report on me. 

XX/XX/XXXX I am trying to open a new bank account. I still can not get a bank account anywhere, and it's an instant rejection when they look up my info- I can not appeal. I went to XXXX XXXX  to inquire about this issue and they said I should get a lawyer for this issue but they still can not provide me with a bank account. My credit report is fine and regularly monitored, I haven't had my identity stolen, it's been XXXX years since the XXXX incident, and I still can not get a bank account. I look up this issue again, I see that the reporting bureau that would contain this info would be ChexSystems. I get the ChexSystems report - I see have a completely clean report from Chex Systems.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: FL

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 
Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. 

These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: OH

Complaint narrative:
On XXXXXXXX  Chime initiated an unauthorized debit from my account in the amount of {$53.00}. This withdrawal was taken directly from my account without my consent, authorization, or prior notice. 

I contacted Chime support on XXXXXXXX  to dispute the transaction and request a reversal under the Electronic Funds Transfer Act ( Regulation E ). Despite my request, Chime has not refunded the money or provided any verifiable proof that I authorized this debit.

This withdrawal has caused me significant financial hardship, and Chimes failure to return my funds violates Regulation Es requirement to promptly investigate and provide a provisional credit within the specified timeframes ( 5 business days for payroll-related transactions ).

I am requesting that Chime immediately reverse this unauthorized debit, issue a full refund of {$53.00}, and provide written proof of authorization if they claim the debit was permitted.

I was also treated disrespectfully and was hung up on by a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: CO

Complaint narrative:
My account has been frozen for two years, and I have already delivered my products to my customers. Please transfer the balance of your account funds to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc.
State: WI

Complaint narrative:
I made an appointment with XXXX XXXX last year to see a therapist and canceled it right after scheduling. First, I called during the weekend and left a voicemail to cancel it. I called them again 2 days before the appointment and left another voicemail stating the appointment needs to be canceled. They finally answered the day before the appointment and said that they had received my messages to cancel, and it was canceled. Yet, tried to charge my card like a week later for it as a no show/late cancel. I called them multiple times to get that fixed and someone said they would but never did. Now, it's sent to a debt collection agency PFC or Professional Financial Company. I've never physically been to XXXX, I never signed anything, or tried to reschedule. I canceled because my therapist resurfaced almost instantly after I scheduled the appointment with XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: CA

Complaint narrative:
I am a victim of identity theft, and multiple fraudulent accounts have been reported under my name without my authorization. Despite filing disputes with the credit reporting agencies, these accounts remain on my credit report. This is in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 

Fraudulent Accounts : - XXXX | Account Number : XXXX | Date Discovered : XX/XX/XXXX - XXXX XXXX | Account Number : XXXX | Date Discovered : XX/XX/XXXX - XXXX  | Account Number : XXXX | Date Discovered : XX/XX/XXXX Violations : - * * FCRA 1681i * * : Requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information within 30 days. 
- * * FCRA 1681c-2 * * : Requires the blocking of information resulting from identity theft within 4 business days of receiving proof. 
- * * FACTA ( Fair and Accurate Credit Transactions Act ) * * : Requires immediate steps to prevent further harm to victims of identity theft.

- * * 18 U.S.C. 1028 * * ( Identity Theft and Assumption Deterrence Act ) : The unauthorized use of personal identifying information is a federal crime.

Resolution Requested : I am demanding the * * immediate removal * * of the fraudulent accounts listed above from all of my credit reports with Equifax, Experian, and TransUnion. I request written confirmation from each bureau that these accounts have been deleted and blocked from future reinsertion without proper certification as required by * * FCRA 1681i ( a ) ( 5 ) * *. 

Attachments : - FTC Identity Theft Report - Proof of identity - Proof of address This matter is extremely urgent, and any delay in resolution will result in further escalation, including additional complaints to federal regulators and potential civil action under FCRA and other consumer protection laws. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: CA

Complaint narrative:
I am a victim of identity theft, and multiple fraudulent accounts have been reported under my name without my authorization. Despite filing disputes with the credit reporting agencies, these accounts remain on my credit report. This is in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 

Fraudulent Accounts : - XXXX | Account Number : XXXX | Date Discovered : XX/XX/XXXX - XXXX XXXX | Account Number : XXXX | Date Discovered : XX/XX/XXXX - XXXX  | Account Number : XXXX | Date Discovered : XX/XX/XXXX Violations : - * * FCRA 1681i * * : Requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information within 30 days. 
- * * FCRA 1681c-2 * * : Requires the blocking of information resulting from identity theft within 4 business days of receiving proof. 
- * * FACTA ( Fair and Accurate Credit Transactions Act ) * * : Requires immediate steps to prevent further harm to victims of identity theft.

- * * 18 U.S.C. 1028 * * ( Identity Theft and Assumption Deterrence Act ) : The unauthorized use of personal identifying information is a federal crime.

Resolution Requested : I am demanding the * * immediate removal * * of the fraudulent accounts listed above from all of my credit reports with Equifax, Experian, and TransUnion. I request written confirmation from each bureau that these accounts have been deleted and blocked from future reinsertion without proper certification as required by * * FCRA 1681i ( a ) ( 5 ) * *. 

Attachments : - FTC Identity Theft Report - Proof of identity - Proof of address This matter is extremely urgent, and any delay in resolution will result in further escalation, including additional complaints to federal regulators and potential civil action under FCRA and other consumer protection laws. 

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 explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patient Accounting Service Center
State: WI

Complaint narrative:
The company is XXXX. They keep sending me collection notices on behalf of XXXX XXXX. 

I called XXXX on several occasions telling them that they were sending product that I did not order. It was for a XXXX breathing machine. I ordered certain supplies and they sent me the wrong sizes, and kept doing it. Once it showed insurance was paying part of the product is when they starting sending more then I needed resulting in the cost of the not needed product being passed onto me. When that happened and I wouldn't pay they sent this to collections. It's a simple act of them trying to get my insurance to pay for more items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: BCA Financial Services, Inc.
State: NJ

Complaint narrative:
BCA Financial Services INC. Phone number XXXX keeps on calling us although the XXXX, XXXX XXXX, XXXX, has made a mistake and took down wrong insurance member ID # for our newborn. I have reached out to the XXXX XXXX multiple times even with my XXXX representative on the line to explain that they must resubmit the claims. The hospital billing department has not resubmitted the claims, but just sent us to a collection agency, XXXX XXXX XXXX XXXX Who are now calling and e-mailing my wife. When I attempt to explain that the hospital needs to clarify, BCA aggressively says no we owe them money and continues to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: WI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute certain hard inquiries that appear on my credit report but are not recognizable or authorized by me. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., consumer reporting agencies are required to ensure the maximum possible accuracy of the information they include in consumer reports.

Specifically, 15 U.S.C. 1681e ( b ) requires you to follow reasonable procedures to assure fair and accurate reporting, and 15 U.S.C. 1681i ( a ) provides me the right to dispute information I believe to be inaccurate or incomplete. 

The inquiries in question are as follows : XXXXXXXX XXXX XXXX  Inquired on XX/XX/year>2025 XXXX XXXX  Inquired on XX/XX/year>2025 XXXX XXXX Inquired on XX/XX/year>2025 XXXX XXXX  Inquired on XX/XX/scrub>/2025 I did not authorize these inquiries, and they should not be reported as they negatively impact my credit score. I request that you investigate these items and provide me with : The name, address, and contact information of the business that initiated each inquiry.

Documentation of my written consent for these inquiries, as required by 15 U.S.C. 1681b.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Freedom Mortgage Company
State: AL

Complaint narrative:
I have been divorced 10 years or so my ex spouse was supposed to assume the mortgage I have been very patient freedom mortgage is giving me a hard time to get this off my credit so I can move on my ex spouse is not doing her part I need this off my credit I am a XXXX individual trying to get my own house having to live with my grandmother this situation hurts my credit every month my ex spouse is late on the mortgage that plainly states in divorce papers she is responsible for because she committed adultery so please 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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: NC

Complaint narrative:
I noticed late payments reported on my credit report for XXXX and XX/XX/scrub> 2025, which I believe are inaccurate. I reviewed my records and do not recall missing these payments. I contacted the company to dispute the late payments and requested documentation to validate these entries, including payment history and proof of accurate reporting. I also explained that I experienced a brief financial hardship during that period but have since made all payments on time and asked for goodwill removal of the late marks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Out of nowhere my XXXX XX/XX/XXXXdisappeared off Transunion 's credit report. 

I've recorded every call with XXXX down to XXXX minutes ago with " XXXX '' at XXXX insisting XXXX has reported to Transunion every month on the XXXX and never changed ; that any current omission is entirely Transunion 's inexplicable and unauthorized alteration of my credit report. 

I've recorded every call with Transunion saying they report what they receive and XXXX is responsible for the removal. 

XXXX is my favorite credit card, I've been the authorized user charging XX/XX/XXXX a month and they are making fortune they are off the interest so both parties are happy... XXXX INCREASED our credit limit, maintaining they want retain me and the primary as their customers and not lose our business over this. 

My XX/XX/XXXX, XX/XX/XXXXand XXXX XXXX reports are all correct - only Transunion has it wrong, which I can't have with my last name being XXXX, I get flagged for identity theft and XXXX just repeated again I need to report Transunion to the CFPB to get this fixed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/scrub>, 2025, while visiting my Citibank branch to deposit funds, I was told about the new Citi XXXX XXXX XXXX. I clearly stated I would only apply if my approval was guaranteed, as I wanted to avoid any negative impact on my credit score. The branch employee assured me there was no chance of denial and processed the application.

Soon after, I received a denial letter. This is not the first time Citibank has made similar false assurances. I have been a Priority Customer for over 8 years, maintaining perfect payment history, regular deposits, and responsible use of credit. This misleading practice caused unnecessary harm to my credit profile and was a breach of trust.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Despite written requests from XXXX XXXX XXXX XXXX and XXXX XXXX. Experian and Transunion continue to report these credit lines after being notified by the creditors to delete the collections

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I received in my credit report an account that does not belong to me, and I'm being disputing this account. Its not my account, is a collector. I don't know what it's about this account. I know for sure It's not mine and is affecting me, emotional and my credit as well. I ignored it in the past since I don't owe anything to them. But it's since XXXX, and still harrasingme with a debt that I did not procesed it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: MS

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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