vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have submitted previous complaints on Regional Acceptance as well as XXXX. Regional said they dont know what website sent my info to them, the only website I sent any information to was XXXX ( XXXX XXXX XXXX ) and within 5 minutes of submitting there was an inquiry from Regional. I received this email back from XXXX  Thanks for the clarification. We do not do business with Regional Acceptance and never have. We have no contacts at Regional Acceptance. We did not forward your application to Regional Acceptance and we never provided Regional Acceptance with an authorization to pull your credit report. We recommend you get with Regional Acceptance for the hard credit report inquiry.

I dont know what is going on here but theyre both lying. The inquiry came from Regional after submitting through XXXX under the premise of getting prequalification offers. I did not receive an offer from Regional before seeing the inquiry nor after, nor did I consent for regional to pull my credit.

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 2025-05-30 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Abrahamsen Gindin LLC
State: WI

Complaint narrative:
Agency trying to act like a law firm and collect a debt from early XXXX XXXX Said they were going to serve me court papers but the time has run out and the debt is not owed. Contacting family members as well. Phone number is XXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ZWICKER & ASSOCIATES
State: GA

Complaint narrative:
I am repeatedly being told a different amount is owed. There was a garnishment order on XX/XX/year> which had the balance at XXXX. I received notification of this on XX/XX/year> at which time I was told the amount due was different. I requested a balance breakdown on XX/XX/year> which showed the amount due as {$2900.00}, I received this letter on XX/XX/year> I called, and was told the amount owed was {$2900.00}, and to disregard that letter. I have been told XXXX different amounts for the interest XXXX cents, XXXX XXXX and XXXX XXXX. On XX/XX/year> I was told the balance was {$2900.00} on XX/XX/year> I was told the amount is {$2900.00}. The amount of the debt is consistantly being misrepresented. I have asked XXXX times now for a full account breakdown, with how many fees have been applied, how many payments made, interest accrued ect. That has yet to be provided. I am unable to attach recordings due to file size, however I can email them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: SC

Complaint narrative:
I recently received a copy of my report and noticed inaccuracies in the account information reported to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-30 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: TX

Complaint narrative:
I am filing this complaint on my own behalf regarding disputed late payments that have appeared on my credit record. After thorough review of my records, I discovered these late payment entries that I believe to be inaccurate or unverified. Despite sending correspondence to the relevant parties over 30 days ago requesting proper validation of these items, I have received no response and they have failed to provide satisfactory documentation supporting the accuracy of these late payments. I am seeking your assistance to resolve this matter promptly and effectively through proper investigation and correction of 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 non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-05-30 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:
I am formally requesting that the unauthorized accounts on my credit report be blocked and removed as quickly as possible. I have no connection to these accounts, nor did I authorize them. In line with USC 1681g, I request their removal within 15 days. Please find the attached documents for your review. The account data being reported to each bureau is inaccurate and inconsistent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I was approved for a loan, then denied due to my banking information that was furnished. So, I pulled the report and noticed that there were several hundreds of loan companies in the inquiry list, banking info with account and routing numbers, information about when I get paid with dates, variation of my name, account that are not mine ( minus one ) etc I reached out to clarity services thru the mail. and received a letter back stating that it was investigated and here is their findings and the papers were blank.

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 2025-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against CREDENCE RESOURCE MANA regarding an account I have with them XXXX XXXX XXXX XXXX XXXX I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : CREDENCE RESOURCE MANA ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$250.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with CREDENCE RESOURCE MANA buttonoavail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: AL

Complaint narrative:
The XXXX  XXXX XXXX XXXX ( XXXX ) charged off my account and subsequently sold it to XXXX XXXX XXXX. However, XXXX is still reporting a balance of {$550.00}, despite no longer owning the debt. This is inaccurate and misleading, as the original creditor is required to update the balance to {$0.00} and reflect that the account was transferred or sold.

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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
equifax data breach i reached out to the company sent a letter as well they have not removed the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/year>, my checking account with Chase Bank was suddenly restricted due to alleged " fraudulent activity. '' I was informed that the restriction was to " safely protect my funds, '' but I was never provided with a legitimate or specific reason for the restriction or the account closure. 

Chase representatives informed me that the bank was ending its relationship with me and that I would receive a written explanation within 23 business days. However, I never received any letter by mail. I was later told that the letter was accessible through my online portalwhich I had already been locked out of, making it impossible to retrieve the information. 

Since the restriction, I have called Chase numerous times and have only been told that my account is under review by their " back office. '' When I requested contact information for this department, I was told there is no way to contact the back office directly and that no one else can assist me until the review is complete. 

To date, over {$1200.00} of my funds remain inaccessible, and it has been more than 10 days. This has created a severe financial burden, leaving me without the ability to cover essential expenses. 

Furthermore, I have requested copies of my prior bank statements and was denied access. I was told I would only be able to request my statements after the issue is resolved, which is unreasonable and unacceptablethese are my financial records, and I have a legal right to access them. 

Following this incident, I have also been denied new bank accounts by several institutions, which leads me to believe that Chase may have reported me to a consumer reporting agency such as XXXX  or XXXX XXXX XXXX. I had no such issues before this incident, and I believe I am being unfairly impacted without just cause. 

I respectfully request the following actions : Immediate release of the funds held in my Chase account. 

A written explanation for the restriction and closure of my account. 

Access to all of my prior bank statements and account transaction history. 

Clarification of any reports made to consumer banking agencies, and assistance in correcting any inaccurate or unjustified reporting. 

This matter has caused considerable stress and financial disruption. I am seeking a prompt resolution with your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC
State: NM

Complaint narrative:
I am disputing the reporting of a closed account by Indigo Mastercard ( XXXX XXXX XXXX XXXX ) that is currently appearing on my credit report. This account is negatively impacting my credit score, and I believe it is being reported inaccurately, unfairly, or without proper verification. 

I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681s-2 ( b ) : Requires that information furnished to credit reporting agencies be accurate, complete, and verifiable. 
15 U.S.C. 1681e ( b ) : Requires that the credit reporting agencies and furnishers maintain maximum possible accuracy of the information they report.

15 U.S.C. 1681i : Grants me the right to dispute any inaccurate or incomplete information and mandates a reasonable reinvestigation. 

I previously requested that the credit bureaus and/or XXXX XXXX  XXXX XXXX XXXX Indigo ) validate or correct this information. They failed to provide sufficient documentation, including : Evidence the account is being reported accurately Payment history, delinquency details ( if any ), and terms of closure Verification that proper notices were sent in compliance with the FCRA The continued presence of this closed account which includes negative remarks or derogatory notations is not reflective of the accounts actual status and is harming my creditworthiness

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I was offered a settlement by Citizens Pay for {$880.00} on my line of credit ending in XXXX. I was told over the phone this payment would settle the full balance ( approx. {$2900.00} ) and that the account would be marked as Settled or Paid in Full. I accepted this settlement with a due date of XX/XX/year>, and was told that written confirmation would be sent within 3 business days, which indeed was not the case. 

It has now been over a week, and I have received nothing. I called back and was then told it may take up to 10 days and could arrive on XX/XX/XXXX the same day the payment is due. This puts me at serious risk of paying without documentation or protection, and potentially having the account reported incorrectly. 

As of XX/XX/XXXX, the payment deadline I was given, I still have not received the written settlement agreement I was promised. I called again today, and was told it would take 24 more hours. This is unacceptable. I can not legally or safely make payment without documentation. They are setting me up to default or pay without protection. This behavior feels predatory and intentional. 

I have made multiple attempts to fix this with Citizens Pay. Ive been patient, cooperative, and made it clear I want to pay but they are refusing to send the written agreement in a timely manner, and now its XX/XX/XXXX when the payment is DUE, meaning ill likely get stuck with continuing to pay something I cant responsibly afford. 

I am asking the CFPB to intervene so that Citizens Pay immediately provides written confirmation of the agreed-upon settlement terms, including : the payment amount ( {$880.00} ) the due date ( XX/XX/year> ) and the account resolution terms ( marked as Settled or Paid in Full ) I am not refusing to pay I am simply requesting documentation before making payment, which is standard and legally responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Bureaus, Inc.
State: WI

Complaint narrative:
Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please, provide Certified Mail with receipt displaying my signature. If not please, delete the account as soon as possible from my credit report or I will have to take action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: CA

Complaint narrative:
I am submitting this complaint because Equifax and Experian has failed to honor my official dispute regarding fraudulent items on my credit report. I am a confirmed victim of XXXX XXXX. I sent disputes to all 3 credit bureaus and received a tracking on the delivery of the disputes. Both EQUIFAX AND EXPERIAN received my XXXX XXXX documents and disputes and statements as well as my request for an emergency correction on XXXX XXXX, I submitted an official dispute package to Equifax and Experian, which included : A Victim Determination Letter from California Victims of Crime A written statement from the detective handling my case Additional documentation from the State of California victim of crime compensation -A dispute letter -A personal statement from me explaining that I am a documented victim of XXXX XXXX - A request for ( 4 day block ) emergency corrections Despite receiving these verified documents over 10 days ago, both Equifax and Experian has refused to remove the fraudulent accounts from my credit report. They have invalidated official state and law enforcement documents, which are legally sufficient under the Fair Credit Reporting Act ( FCRA ) and Section 605C of the Consumer Reporting Reform Act, which protects survivors of XXXX. 

Equifax and Experian continues to report these negative accounts ( all of which were opened and used by my XXXX  ) and they refuse to validate or remove them, violating federal consumer protections for XXXX  survivors. 

I am attaching the same official documentation I sent to Equifax and Experian to support this complaint. I respectfully request that the CFPB step in and hold Equifax and Experian accountable for their noncompliance, and assist me in getting these fraudulent items permanently removed from 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 2025-05-30 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: PA

Complaint narrative:
I keep contacting Equifax about a fraudulent XXXX  XXXX XXXX  account that is on my credit report. Equifax stated that they verified this fraudulent account. I would like to know how it was verified, when it was verified. and with whom was it verified

Company response to consumer: Closed with non-monetary relief