vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Alorica Inc.
State: TX

Complaint narrative:
This company is incorrectly reporting a debt to my credit report. This debt does not belong to me and I do not recognize it. I am a victim of identity theft and I have reported this to the credit bureaus as well as the company that is reporting this inaccuracy but they still continue to report this to my credit report. They can not verify that this account belongs to me and have yet to do so, This is illegal and highly impacting my finances as well as my consumer report. I demand that this be deleted from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: OH

Complaint narrative:
I noticed unauthorized accounts on my credit report that I never opened. These accounts were created without my permission or awareness and seem to be the result of identity theft or misuse of my personal information. The fraudulent accounts include : XXXX XXXXOriginal creditor : XXXX XXXX XXXX XXXXcollection- opened in XX/XX/XXXX XXXX XXXX XXXX XXXX opened in XX/XX/XXXXXXXX XXXX-personal loan- opened in XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX collection- opened in XX/XX/XXXX XXXX- Charge account- opened in XX/XX/XXXX These items were added to my credit report without my consent

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 2025-07-10 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 submitting this formal request to investigate and remove a hard inquiry from my credit report. I never applied for credit that would justify the presence of this inquiry and have not given consent to any entity for such action.

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 2025-07-10 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: DC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: DC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN HONDA FINANCE CORP
State: WI

Complaint narrative:
Acura Financial Services is furnishing false credit information to XXXX XXXX, and XXXX  by continuing to report that I owe a balance and listing the account as charged-off each month, even though the account summary clearly shows a {$0.00} balance. This creates the false impression that the account is delinquent or still in collections. 

I submitted disputes to the credit bureaus, and XXXX XXXX failed to correct or delete the inaccurate reporting. This violates the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : furnishing inaccurate information, 15 U.S.C. 1681s-2 ( a ) ( 2 ) : failure to update/correct inaccurate information, 15 U.S.C. 1681s-2 ( b ) : failure to reasonably investigate my dispute and correct or delete the inaccurate entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: Chime Financial Inc
State: FL

Complaint narrative:
If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: CT

Complaint narrative:
I am contacting you regarding a hard inquiry listed on my credit report for which I did not give authorization. This inquiry was not initiated by me, nor did I provide consent for any party to access my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
Went to XXXX on XX/XX/year> to make XXXX withdraw, ATM screen popped up cash drawer error try again, so I did then it said insufficient funds, I knew that was wrong so I sign in and look at my online banking and it showed XXXX withdraw a min before but the cash drawer never opened and money never received. So I pull over and call regions, while on phone with rep another car pulls up, it does same thing except took her money twice from her so rep said dispute filed I had to wait ten days, I explained it was all money I had, got nowhere, so Monday I call, same thing ten days, I ask for who handles and investigates dispute o was told they don't have that number, I ask for number of who services ATM and was told the bank ATM isn't there's and they don't have no number for it, the lady at XXXX XXXX location is XXXX, several had been in to file complaints. This is all the money I had for the week and I can't get an answer or anyone to put my money in back into my XXXX. I told them look at ATM camera, it will show I never got that money, door was jammed up on atm

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 2025-07-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX Competition from XXXX and paid {$15000.00} as a down payment. I was told by the salesperson, XXXX, that the loan would be approximately {$36000.00}. I have two audio recordings where XXXX confirms this loan amount verbally. 

When I received the final loan paperwork, it showed a total loan amount of {$48000.00}, which includes unauthorized and undisclosed add-ons. I never approved these charges, and I was not provided with a full breakdown of where my {$15000.00} went or how the loan grew by over {$12000.00}. 

I immediately contacted the dealership for answers and requested corrected documents. I was told the general manager was unavailable. The next day, I received a threatening message from an employee named XXXX stating they would not take the car back and that leaving it would result in a repossession even though I have not missed any payments. 

I responded in writing, making it clear that I was actively trying to resolve the issue and did not consent to a repossession. XXXX responded, All documents are correct, there is nothing else to discuss. 

I also have a recording of another employee, XXXX, stating I would receive a refund. The very next day, the dealership changed its position again and continued to deny help. 

This experience has caused me significant emotional distress and financial pressure. I feel deceived, trapped in a loan I did not agree to, and threatened with repossession despite doing everything in good faith to resolve the situation.

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 2025-07-11 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: MA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-07-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: CO

Complaint narrative:
My wife and I lived at XXXX at XXXX XXXX Apartment for 10 months, until we were forced to move by neglect from the management team for failure to meet the basic requirements for live. We were deceived into a contract by the leasing manager ( XXXX XXXX ), who told us before we signed the rental contract that we could legally and lawfully smokd and violated for having a small table near our doorway, because we are both elderly and XXXX seniors. We submitted a Reasonable Accommodation Request that took several before we received an Approval with conditions ; as long as no one smelled it and complained which was short-lived. 
We never received adequate living conditions, as heat was broken and did not heat the apartment, along with a decaying dishwasher, a broken toilet, and a ceiling fan that dislodged from the fixture and nearly struck me in the head, before they fixed it. We were never considered worthy of XXXX as they rejected us moving to a better apartment and we were denied without fair justification, they said because we didn't give up our right to consume to medical XXXX on the balcony of our apartment and we did so freely for 5 months without any complaints. 
We were targeted for our rights to use XXXX on the property we were denied, not the law. Two different managers gave us permission to move without financial penalties to the company or the property, which we submitted to I.Q Data International Collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: CT

Complaint narrative:
This is a formal notice that my credit report includes unauthorized information that does not belong to me. I did not initiate the accounts in question, and I dispute their validity in full.

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 2025-07-11 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: CT

Complaint narrative:
This correspondence serves as my formal dispute of an inaccurately reported late payment associated with my credit report. My records clearly demonstrate that the payment in question was made on or before the due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: CONTRACT CALLERS INC
State: CA

Complaint narrative:
On XX/XX/year>, I identified an inaccurate and unverified collection account being reported by Contract Callers , Inc. on my consumer credit reports. I dispute the validity of this alleged debt, as I have no contractual obligation or business relationship with this company. I have not received any written notice or proper validation of the debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, or the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

This account is unverifiable and inaccurate, and its continued reporting constitutes a violation of both FCRA 623 ( a ) ( 5 ) ( duty to delete inaccurate information ) and FCRA 611 ( consumer dispute procedure ). The presence of this collection account is causing financial harm and emotional distress by lowering my credit score and misrepresenting my creditworthiness to potential lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: CT

Complaint narrative:
I am disputing an unauthorized hard inquiry on my credit file. I did not consent to this inquiry, and it does not reflect any recent credit application or transaction initiated by 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 non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I have been calling Freedom Mortgage since XX/XX/XXXX regarding my XX/XX/XXXX taxes not being paid after I checked with my county. The mortgage company didnt even let me know that they werent paid. I called them multiple times regarding this issue and they keep telling me they open a ticket and expect to be resolved within XXXX business days. Well I had to call the following dates since they did not get my taxes paid : XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. They finally paid my taxes that were due XX/XX/XXXX on XX/XX/XXXX after multiple calls. Well now my XXXX taxes have not been paid, they were due XX/XX/XXXX. I have called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX spoke to a supervisor, XX/XX/XXXX spoke to a supervisor again, XX/XX/XXXX. Nothing has been resolved.

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 2025-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Paypal Holdings, Inc
State: AR

Complaint narrative:
My identity was stolen via PayPal. Someone opened a credit card account on PayPal via XXXX XXXX. I no longer have access to PayPal, and they have acknowledged that due fraudulent activity was restricted, and now PayPal are denying that this card wasn't me. I reported it to XXXX against XXXX XXXX. The problem is that my credit score went from XXXX to XXXX due to not paying a Fraudulent charge of XXXX. I'm not sure how PayPal came to the conclusion that I owe them XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
In 2024, my Chase checking account was closed after it went into a negative balance due to disputes I filed on several transactions. Unfortunately, the disputes were not resolved in my favor, which caused the account to remain negative, and Chase closed the account. The approximate negative balance was XXXX $ I understand my responsibility in this matter and am willing to pay the negative balance in full so I can resolve this issue. I would like to continue banking with Chase and am requesting that they allow me to reopen my account or open a new account with them once the balance is cleared. 

Additionally, the account closure has been reported to XXXX, which is making it difficult for me to open a new bank account elsewhere. I am requesting that Chase update or remove the negative reporting in XXXX after I pay the balance so that I can have a fair chance at maintaining a checking account in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bull City Financial Solutions, Inc
State: SC

Complaint narrative:
This letter serves as a formal dispute of the collection account referenced above, which is currently being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am exercising my right to request full validation of this alleged debt.

Specifically, I am requesting the following : A complete and executed assignment of contract proving legal transfer of the alleged debt from the original creditor to your company, A copy of the original signed agreement or contract, and A full itemization of how the balance was calculated. 
As the current party claiming ownership and reporting this debt, you are legally required to maintain and provide documentation to prove the legitimacy and accuracy of the debt. If you are unable to provide the requested documents within XXXX calendar days of receipt of this notice, I demand that you immediately delete this account from all credit reporting agencies ( XXXX, XXXX, and XXXX ) in accordance with FCRA 611 [ 15 U.S.C. 1681i ], which requires the removal of unverifiable information. 

This is a final opportunity to resolve this matter amicably and in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
I received an email from a person stating that it was a PayPal purchase made and that I needed to contact their office immediately about the charges. The email and phone number for Pay Pal was not the same as Pay Pal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: OH

Complaint narrative:
I am writing to formally dispute the accuracy of the information related to my XXXX XXXX account opened on XX/XX/year>, with a reported balance of {$450.00}. I believe this account and its associated information may have been affected by a recent data breach. 

Due to the breach, I suspect that this account details might have been compromised or inaccurately reported without my authorization or awareness. I kindly request that you investigate this matter and verify the legitimacy of this account, especially considering the context of the data breach. I had other things other than this that I had an issue with as-well such as the XXXX account listed on my credit that I have no awareness of have never had service through XXXX and this is a fresh new thing on my credit from about a year ago. Again no knowledge of these things. I got a letter in the mail a while back about a date breach that had happened last year in 2024 and my information was leaked and exposed! Have been receiving all types of weird scam calls through an old number and all, my information is not safe and I have seen a lot of hard inquiries and things I have no knowledge of either. 

Please find attached any relevant documentation I have regarding the breach and my correspondence with XXXX XXXX. I would appreciate your prompt review and correction of my credit report if necessary. 

Thank you for your assistance. 

Sincerely, XXXX XXXX You can reach me at XXXX Or by email 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