vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: General Motors Financial Company, Inc.
State: KY

Complaint narrative:
Since the beginning of XXXX, GM Financial has called me back to back, leaving voicemail each time, XXXX  times a day XXXX  days a week. 
I have explained I'm unemployed and trying to fix that and pay my debt. I have asked them to stop calling me back to back only to get rudely told that since it's not the same person they can't know that, yet the same person WILL call me back to back, even if they just left a voice mail. 
I suffered from a negative reaction to my Anxiety medication during this time and due to the continued harassment from them that wouldn't stop no matter how much I pleaded with them, I almost took my own life from the mental strain. Even after being notified of this they continued calling. I got a call from them when I was outside with the crisis diversion team and even after telling them such they called again. 
I estimate that they have called me XXXX times a week for at least the last XXXX months. This is far in excess of what is permitted by the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: NJ

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: TX

Complaint narrative:
I receive SSDI and live on a fixed income. Chase holds my deposits for days and allows multiple pending transactions to stack up, then clears them all after the deposit finally posts. This wipes out my balance instantly and causes financial hardship. I also pay a {$4.00} monthly account fee, despite these harmful practices. Ive attached screenshots showing deposits being posted just before a flood of queued-up debits often to payment and advance apps like XXXX, XXXX, XXXX, XXXX, and XXXX. 

This setup is predatory. I have no control over the order of processing, and Chase doesnt offer real-time balance updates. Im unable to budget because they obscure the true state of my account. This feels like intentional manipulation of timing to maximize fees and overdraft-style outcomes.

Im requesting : A refund of my recent account fees A written explanation of their posting order and pending policies Consideration for accommodations for low-income and fixed-income customers Refund money Provide explanation Change their practices

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: MD

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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 am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

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 2025-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
As a result of fraudulent actions, unknown persons made purchases of XXXX gift cards. This is confirmed by a screenshot from my personal Wells Fargo account. There is no proper protection of the card against fraudulent payments. Customer support does not work XXXX. When I discovered a fraudulent transaction, I tried to contact the bank representatives, but without success and I opened a dispute. Later, after receiving my dispute, I spoke with bank representatives, sent supporting documents, but after a short investigation, the bank closed my dispute. 
I would like to draw your attention to the fact that the bank did not contact me with any requests to provide additional information, it wrote a standard response and referred to XXXX. Please look into this 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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
" I 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
Consumer complaint received 2025-07-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year>, XXXX XXXX ( also known as XXXX XXXX or XXXX XXXX  ) withdrew {$130.00} from my checking account using my debit card without my authorization. The original balance due was {$61.00}, but the company failed to collect payment for over 3 months and then added three late fees of {$20.00} each. Without notifying me, they charged the full {$130.00} using a card previously used for another transaction without my consent or prior notice. 

Upon discovering the charge, I contacted XXXX XXXX customer service. I spent over two hours on the phone, was transferred repeatedly, and never received a clear explanation or solution. I specifically requested a breakdown of the charge and clarification on how and why the card was charged, but the information was never provided. 

This transaction was unauthorized, and I am requesting a full refund of the {$130.00}, removal of the late fees, and a formal investigation into the companys billing practices and customer service response.

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 2025-07-01 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: NC

Complaint narrative:
I have previously disputed with Experian, Equifax and XXXX  regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: MD

Complaint narrative:
I'm writing to bestow my XXXX concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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:
Reviewed my report and it was incorrect accounts and information on there so I am writing to formally dispute and demand the immediate removal of fraudulent accounts and/or inquiries from my Equifax credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 605B [ 15 U.S.C. 1681c-2 ], and in accordance with the Identity Theft and Assumption Deterrence Act of 1998.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block inc ) due to inadequate customer service and unfair practices which violates the consumer financial protection act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: VA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: FC HoldCo LLC
State: AR

Complaint narrative:
On XX/XX/XXXX, I submitted a dispute to Experian regarding my credit report for the account with XXXX XXXX XXXX. This creditor is reporting the same charge-off multiple times, every month from XX/XX/XXXX through XX/XX/XXXX, for a single account. On XX/XX/XXXX, the dispute was marked as Remains, meaning XXXX  upheld the reporting despite the repeated entries. 

This repeated reporting of the same charge-off is misleading and violates the Fair Credit Reporting Act ( FCRA ), which requires that credit information be accurate and not misrepresented. A single account charge-off should only appear once and not as new negative entries every month. I am requesting that these duplicate charge-off entries be investigated and removed or corrected leaving only the first charge off. 

I have contacted XXXX XXXX XXXX, multiple times before stating that it was court ordered for this loan to be taken out of my name due to divorce, but they said the contract upholds a court order, and there was nothing I would be able to do about it.

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 2025-07-01 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: Thaxton Investment Corporation
State: TX

Complaint narrative:
I am submitting this complaint due to fraudulent and inaccurate information being reported on my credit file, which I believe stems directly from the XXXX  XXXX  data breach that compromised my personal identifying information, including my name, Social Security number, and date of birth. 

As a result of this breach, unauthorized accounts and/or inquiries have appeared on my credit report without my knowledge or consent. I have disputed these items with the credit reporting agencies, specifically Equifax, but they have failed to provide proper verification or remove the inaccurate data within the time allowed under the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S.C. 1681i, I have the right to a proper reinvestigation of any disputed information. I also invoked my rights under 15 U.S.C. 1681c-2, which requires that any information resulting from identity theft be blocked from my credit file upon request. Despite this, XXXX  has continued to report fraudulent and unverifiable accounts and inquiries, causing continued damage to my creditworthiness. 

Additionally, I have requested documentation from the furnishers of these accounts under 15 U.S.C. 1681s-2, but no proper validation has been provided. These actions ( or inactions ) violate multiple provisions of the FCRA and consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am submitting this complaint due to fraudulent and inaccurate information being reported on my credit file, which I believe stems directly from the XXXX  XXXX  data breach that compromised my personal identifying information, including my name, Social Security number, and date of birth. 

As a result of this breach, unauthorized accounts and/or inquiries have appeared on my credit report without my knowledge or consent. I have disputed these items with the credit reporting agencies, specifically XXXX, but they have failed to provide proper verification or remove the inaccurate data within the time allowed under the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S.C. 1681i, I have the right to a proper reinvestigation of any disputed information. I also invoked my rights under 15 U.S.C. 1681c-2, which requires that any information resulting from identity theft be blocked from my credit file upon request. Despite this, XXXX  has continued to report fraudulent and unverifiable accounts and inquiries, causing continued damage to my creditworthiness. 

Additionally, I have requested documentation from the furnishers of these accounts under 15 U.S.C. 1681s-2, but no proper validation has been provided. These actions ( or inactions ) violate multiple provisions of the FCRA and consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under XXXX tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-07-01 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: NC

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my accounts that are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furnisher, but the late payments remain without proper validation or documentation, under 15 U.S. Code 1681s-2 A furnisher must report accurate information under 15 U.S. Code 1681 I the credit bureaus must perform a reasonable investigation within 30 days. Neither of them has provided sufficient evidence to support the negative 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