vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 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 am a victim of a recent data breach, and I have discovered fraudulent accounts on my credit profile. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), kindly block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$900.00} Inquiries XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of a recent data breach, and I have discovered fraudulent accounts on my credit profile. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), kindly block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$900.00} Inquiries XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XX/XX/year> @ XXXX XXXX  this number ( XXXX ) XXXX labeled in caller ID under chime had text me to say my card was being charged and declined and asked me if I did it reply, yes or no, and I replied no, and they called me they set to help secure my chime account. While I was on the phone with them, somehow they hacked into my account without me giving them my information. The they knew everything about me. Name, address last four of social security they even knew my bank account information that i've never given to anyone. I found out they were impersonating as representative from chime bank. They had to answer my account and moved XXXX XXXX and XXXX XXXX dollars and XXXX XXXX cents that I got from my social security deposit. They moved it to somebody, with my excaxt name. Then when I noticed, I called chime, I filed a dispute and I changed my password and canceled my cards. The dispute eventually got denied. I tried to request it back and it said this person is not on chime. I checked back the next day and and it said, I paid someone named XXXX XXXX $ reversal-assistant I did not physically do this myself. 
I've been requesting the money back, but no response. I plan to close this account because my information has been leaked and I can think of only chime ( the XXXX XXXX XXXX ) being able to get my information out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MD

Complaint narrative:
XX/XX/XXXX I was informed regarding a program to have automatic payments come from my bank account until XX/XX/XXXX. I was informed the wrong information and was informed that I would have to make a payment to bring my account current XX/XX/XXXX. Which doesnt make sense to me because the program was suppose to go until XXXX. Now my account is past due. And because it was misinformation given to me I was told XX/XX/XXXX that I needed to pay XXXX. Then call back in XXXX to get on the program I was told I was currently in. The information that was given by XXXX in XXXX. XXXX a manager XX/XX/XXXX. All the information I was given was incorrect and resulted in me having a past due amount on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I had funds deposited into an Experian Smart Money account which has dealing with XXXX XXXX. I tried using my virtual card in XXXX after XXXX transactions it would not work anymore. I then tried to add money to my XXXX XXXX and XXXX XXXX and that was declined as well. I received no alerts and no phone calls I regards to my card declining. Indeed up having to call and I was told that my account had been restricted because it was too many declines. Had my card not been declined in the first place there wouldnt be too many declines. I was told that I had to wait 24-48 hrs in order to use my money. I have never in my life heard of such thing. I have been inconvenienced and not been able to feed my dogs nor myself but they thought it would be a good idea to block and restrict someones account without there knowledge and will not unblock it. Once a transaction ( s ) have been verified, a consumer should be able to use their funds especially with a debit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX XXXX XXXXXXXX  Social XXXX Equifax XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Re : 605C Dispute Request for Removal of Fraudulent Information Due to Identity Theft ( Equifax Data Breach ) To Whom It May Concern, I am writing to formally dispute and request the removal of inaccurate and fraudulent information from my credit report, as authorized under Section 605C of the Fair Credit Reporting Act ( FCRA ). I am a victim of identity theft, which I believe is directly related to the Equifax data breach that occurred in XXXX, exposing the sensitive personal information of millions of Americans.Due to this breach, I believe unauthorized accounts and/or inquiries may have been made using my personal information without my knowledge or consent. I am requesting that the following items be investigated and removed from my credit report : [ List each disputed item here, including : XXXX XXXX XXXX  {$420.00} # XXXX opened XXXX.- Reason for dispute ( e.g., 'This account was fraudulently opened without my authorization.Enclosed Documents : To support my claim and in compliance with the FCRA requirements under Section 605C, I have enclosed the following documentation:1. A copy of a valid government-issued photo ID2. A copy of a recent utility bill or bank statement to verify my address3. A copy of the Identity Theft Report, which includes a police report or FTC Identity Theft AffidavitUnder Section 605C, you are required to block the fraudulent information from appearing on my credit report within four business days of receipt of this request and supporting documentation.Please confirm in writing that you have received this letter and indicate the steps being taken to resolve this matter. If you require any additional information, do not hesitate to contact me at the address or phone number provided above.Thank you for your prompt attention to this serious matter.Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX XXXX XXXXXXXX  Social XXXX Equifax XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Re : 605C Dispute Request for Removal of Fraudulent Information Due to Identity Theft ( Equifax Data Breach ) To Whom It May Concern, I am writing to formally dispute and request the removal of inaccurate and fraudulent information from my credit report, as authorized under Section 605C of the Fair Credit Reporting Act ( FCRA ). I am a victim of identity theft, which I believe is directly related to the Equifax data breach that occurred in XXXX, exposing the sensitive personal information of millions of Americans.Due to this breach, I believe unauthorized accounts and/or inquiries may have been made using my personal information without my knowledge or consent. I am requesting that the following items be investigated and removed from my credit report : [ List each disputed item here, including : XXXX XXXX XXXX  {$420.00} # XXXX opened XXXX.- Reason for dispute ( e.g., 'This account was fraudulently opened without my authorization.Enclosed Documents : To support my claim and in compliance with the FCRA requirements under Section 605C, I have enclosed the following documentation:1. A copy of a valid government-issued photo ID2. A copy of a recent utility bill or bank statement to verify my address3. A copy of the Identity Theft Report, which includes a police report or FTC Identity Theft AffidavitUnder Section 605C, you are required to block the fraudulent information from appearing on my credit report within four business days of receipt of this request and supporting documentation.Please confirm in writing that you have received this letter and indicate the steps being taken to resolve this matter. If you require any additional information, do not hesitate to contact me at the address or phone number provided above.Thank you for your prompt attention to this serious matter.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 2025-06-05 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: CA

Complaint narrative:
Due to exposure of my personal data during a breach, fraudulent accounts now appear on my credit report. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I request their immediate blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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:
Due to exposure of my personal data during a breach, fraudulent accounts now appear on my credit report. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I request their immediate blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I deposited my paycheck physically into my Bank of America account because last week without any notice, Bank of America closed my bank account. Their alleged explanation was because the first bank account was unable to be verified. 

They then said I could open a new checking account. I wanted to open a new checking account because I want the {$300.00} signing bonus. So I then set up direct deposit again for the second time. My employer unfortunately cant make XXXX direct deposit changes in a 30 second period so they gave me a paper paycheck for my biweekly paycheck this week. That is Bank of Americas fault.

Subsequently, I deposited my biweekly paycheck into my new Bank of America account. I was told by a specialist that it was a 24 hour check hold because it was a physical check. Ive been logged into my app and saw that it was a seven day hold. I am unable to pay my bills. By my sister, a graduation present. Or pay my credit card because of this extreme inconvenience. I am considering legal action in state and federal court because I know my rights as a consumer and an American citizen. 

I posted about this issue on social media and Bank of America reached out to me directly. They then proceeded to waste more of my time because they said the same answer. The funds are available on XX/XX/XXXX. 

Theyve told me theres nothing they can do to help me. So Im reaching out here. Please 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 2025-06-05 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: CA

Complaint narrative:
My cousin utilized my name and credit info to open up some accounts that are not mine. He did this because he didnt have the ability to open them on his own, but I never gave him permission to open these. I want these taken from my credit because they are not mine. My cousin has returned to XXXX and I cant reach him, please get this resolved and removed asap as they are not my accounts. Thank you for you 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 2025-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
Hi there I cant get a checking account open with them they are still refusing me when I have no open accounts there can you see why I cant have one

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: CA

Complaint narrative:
Double jeopardy The following accounts are claiming to both own the same debt, with a balance. As you know, this is not possible and this is also a violation of my rights. Because of this, BOTH accounts need to be removed from my credit report immediately due to you not properly validating the information in which a company has passed to you. Please delete immediately. 

Account 1 : ( XXXX XXXX XXXX + XXXX ) balance with XXXX= {$44000.00} Account 2 : ( XXXX XXXX XXXX + XXXX XXXX ) balance with XXXX= {$21000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not consent to the furnishing or reporting of the following items : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CADENCE BANK
State: TX

Complaint narrative:
I opened a checking account and safety deposit box with Cadence Bank, XXXX, TX ( XXXX XXXX XXXX XXXX XXXX, TX, XXXX ) couple of years back. At the time of account opening, I was not informed either verbally or in writing that I would be required to make a minimum of five debit card purchases per month to keep my account and safe deposit box active. Now from couple of months, BANK staff threatening me to close my checking account and safety deposit box if I dont make Five purchases with debit card. I was only made aware of this requirement after the account had already been set up.

I primarily use a credit card for daily purchases due to the stronger fraud protection it provides. I use my debit card solely for automatic payments and to fund the account. I informed the staff that I am willing to update the debit card for my credit card auto-payments. The bank is now stating that if I do not meet this debit card usage threshold, my account may be closed which would affect access to my safety deposit box and financial arrangements. 
If this requirement is legal and common practice, I am willing to comply. However, I have serious concerns about debit card security. I would like to know if the bank offers any protection or guarantees in case of fraud or unauthorized debit card transactions. If the bank is enforcing mandatory debit card usage, then consumers should be clearly informed of both the risks and the protections provided. 
I am requesting a review of whether this requirement was lawfully and transparently disclosed, and whether the bank provides sufficient fraud protection for debit card usage as part of its policy.

Company response to consumer: Closed with explanation