vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 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: United PanAm Financial Corp.
State: TX

Complaint narrative:
: FOR THE-LIFE-CLAIM OF THIS-LIVING-SOUL IS WITH THIS-CORRECT-SENTENCE-STRUCTURE-COMMUNICATION-PARSE-SYNTAX-GRAMMAR-STATEMENT BY THIS-CREATOR : : BY THE-KNOWLEDGE OF THE-FACTS IS WITH THIS-CORRECT-CLAIM BY THIS-LIVING-SOUL WITH THE-CERTIFICATION OF THE-FORM & FUNCTION AS A NATURAL-PERSON, NOT A LEGAL-FICTION OR CORPORATE ENTITY IN ALL-CAPITAL-LETTERS.

: FOR THIS-LIFE WITH THE-BREATHING-BODY, CONSCIOUS-MIND, AND DIVINE-ENERGY IS WITH THE-CLAIM OF THE-EXISTENCE BY THE-SOURCE-CREATOR.

: BY THE-CLAIM OF THIS-PERSON IS WITH THE-EXEMPTION FROM THE-ASSUMPTIONS OF CITIZENSHIP-CONTRACT, CORPORATE-JOINDER, AND PUBLIC-SURETY WITHOUT FULL-DISCLOSURE, FULL-CONSENT, AND FAIR-CONTRACT.

: WITH THE-SUPPORTING-LAWS : UCC 1-201 ( b ) ( 25 ) Defines a " person '' and distinguishes between natural persons and legal entities.

UCC 1-308 Reservation of rights without prejudice.

U.S. Constitution, Amendment IV Right to be secure in your person, papers, and effects.

FCRA 602 ( 15 USC 1681 ) Accuracy and fairness in credit reporting.

FCRA 623 ( a ) ( 8 ) You may dispute directly with furnishers of inaccurate information.

Texas Business & Commerce Code 9.102 ( 64 ) ( If youre in Texas ) Defines a person under state contract law.

Texas Finance Code 392.202 Right to dispute inaccurate credit info and demand correction within 30 days.

Federal Privacy Act of 1974 ( 5 U.S.C. 552a ) Limits disclosure of personal data by federal agencies.

Federal Trade Commission Act ( 15 U.S.C. 45 ) Prohibits unfair or deceptive trade practices.

: WITH THE-KNOWLEDGE OF THE-DISTINCTION BETWEEN THE-NATURAL-PERSON AND THE-STRAWMAN-ENTITY IS WITH THE-LAWFUL-AUTHORITY OF THIS-CLAIMANT TO NAVIGATE WITHIN THE-PRIVATE & PUBLIC-COMMERCE, WITH THE-FULL-RESERVATION OF RIGHTS. 

: BY THE-LAWFUL-CLAIMANT : XXXX XXXX : WITHOUT-PREJUDICE : UCC 1-308 : WITHOUT-RECOURSE : UCC 3-419 : WITH THE-LOVE, HONOR & PEACE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
The " XXXX XXXX XXXX  '' primarily refers to a large-scale data breach at XXXX XXXX  XXXX XXXX major health insurance provider, in XXXX, and the subsequent closure of XXXX XXXX XXXX XXXX which operated XXXX XXXX and XXXX XXXX  XXXX. The data breach exposed the personal information of XXXX  of XXXX XXXX, while the closure of XXXX XXXX led to significant disruption for students and staff. The balance on my account should be taken off. 
To Whom It May Concern, I am writing to formally request a discharge of my federal student loans pursuant to the Closed School Discharge and Borrower Defense to Repayment provisions. I XXXX  XXXX XXXX, which has since closed and was found to have committed fraudulent practices affecting students, including myself. 
I enrolled in XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX and was unable to complete my program due to the schools sudden closure on XXXX. The school was later found to have engaged in misleading and deceptive practices regarding its accreditation, job placement rates, and program quality, which directly influenced my decision to enroll and take on federal student loan debt. 
According to the U.S. Department of Education guidelines, borrowers are eligible for loan discharge under the following conditions : The school closed while I was enrolled, or within 120/180 days ( depending on when the loan was disbursed ) of my withdrawal. 
The school engaged in substantial misrepresentation or fraud, which qualifies under the Borrower Defense to Repayment rules. 
As such, I respectfully request that you review my case and discharge the following loans : Loan Type ( s ) : ( Direct Consolidation Unsubsidized Loan XXXX & XXXX ) Loan Account Number ( XXXX ) : ( XXXX ) Enclosed with this letter are the following documents for your review : 1. A copy of my enrollment agreement/transcript/proof of attendance 2. Documentation of the schools closure ( notice from the Department of Education ) 3. Any communication or promotional material that misrepresented the schools offerings 4. My written statement detailing the schools misrepresentation and its impact Please confirm receipt of this letter and inform me of any additional steps required. I am requesting that any collection activity, interest accrual, or credit reporting be paused while this dispute is under review. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My account with XXXXXXXX XXXX XXXX XXXX XXXX was never XXXX XXXX I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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 2025-06-27 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
Ally Bank CD was scheduled to mature on XXXX. On XXXX instructions were submitted to close account and mail a check at the maturity date. Email confirms this request. 

On XXXX Ally Bank was contacted to find out why funds had not been mailed. Online account indicated that new maturity date was XXXX, and this info was confirmed via phone conversation with representative, and his supervisor XXXX ( no last-name provided ). 

I was told that the instructions that I submitted were effective for the following CD term. This makes no sense, as the NEXT maturity date after the instructions were provided was clearly XXXX. 

Forced to take " XXXX XXXX '' to recover funds, and was charged a fee of almost {$600.00} to do this. At best the process to submit instructions for CD at maturity date are ambiguous, at worst it is deception which I believe to be the case

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 2025-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute and demand the removal of the following unauthorized hard inquiries reflected on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I did not authorize, initiate, or apply for any credit, auto loan, or account with these companies. As such, these inquiries are the result of fraudulent or unauthorized activity.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b ( c ), credit reporting agencies are prohibited from allowing inquiries on a consumers credit report without a permissible purpose. These inquiries were made without my consent and in violation of my rights under federal law.

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 2025-06-27 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:
This letter is to dispute false and unauthorized accounts showing on my credit report. My information was reported without my permission, which violates 15 U.S. Code 1681b ( 2 ) of the FCRA. These accounts dont belong to me and could be related to identity theft, as described in 15 U.S. Code 1681c-2. I am asking for a full investigation and correction of these mistakes.

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 2025-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
At XXXX on XXXX XX/XX/XXXX, I decided I was going to open a TD checking account. I did my research and it seemed perfect. The website boasted the account could be opened entirely online without stepping into a branch. It said I could add a virtual debit card to my XXXX XXXX and use it until I received my debit card in the mail. That all sounded GREAT. This bank is over XXXX hours from me. 

I was able to open the account, no problem. They collected all my identifying information ; ID, SSN, DOB, Address, email and phone number. They flashed the XXXX XXXX on the screen, explaining why they needed to collect that information. 

Once I opened the account, I XXXX  the money I had in my old account ( at a different bank ) into my new account. I used the same phone number, address, email address.. It was all the same. The XXXX even said from me to me to fund my new account. 

Right after TD bank got my money, my account suddenly froze. No explanation, no reason ( as the XXXX was the only transaction ). Nothing literally changed. TD bank didn't call me, I had to call them to figure out what was happening. 
Once I finally got ahold of the rep, she told me I would need to step into a branch for verification. She told me my account was opened, but as soon as I added money to it, they froze it. 

The XXXX XXXX requires banks to verify that stuff BEFORE opening the account ... Not after the account is opened and money was added. 
It truly feels like extortion and theft. Im left with no money yet they want me to travel XXXX hours for a branch. No where in the fine print does it say anything about going into the branch. As a matter of fact, they boast on their website about not having to do that. 

Ive had other people tell me TD bank has done this to them. This type of conduct flies in the face of the XXXX XXXX and customer service just doesn't care.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: IN

Complaint narrative:
I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefited from it. Know that the transactions on this account and its respective charges are all fraudulent. I never benefited from any of them, but rather it did a lot of damage to me. I require you to take action immediately to prevent further harm and fraud to my personal information so, remove all these fraudulent transactions and account from my credit report ASAP.

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 2025-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I hadn't reviewed my credit reports in whole for a few months and when I did I noticed some inquiries that were unfamiliar and should not be there. I have filed an ID theft report with the FTC to cover all bases. 

Those inquiries are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Thank you for your time in rectifying 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 2025-06-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: NV

Complaint narrative:
On XX/XX/XXXX someone used my credit card to open up an account at XXXX XXXX  card. This was an unauthorized charge that I did not make I contacted time I believe 30 days after the charge. When I was going through my finances and noticing that I was missing money. I contacted chime chime opened up a dispute and 20 days later they denied me. I opened it again with a rebutyl and they deny me again I've contacted the merchant at the bank and they told me that chime never contacted them nor have they heard anything about my case. I've put in a rebuttal I believe 8 or 9 times and they've denied me the last time two days ago I've contacted the merchant again and they said all time has to do is do a chargeback and tell them that it was an under authorized charge and that they would send the money back time denied me. I've talked to multiple Representatives I've talked to multiple supervisors and managers. The last supervisor I talked to told me that I could not talk to the dispute Department and that I would have to so I asked what was the decision she could not tell me she said that she would put in for them to send me the information and that takes up to 10 days I've done that four times and all they have sent me back was the evidence that I sent them. I talked to the last supervisor and she said there's nothing else she can do there's no one Higher I can talk to it is what it is and that was it I'm losing out on money that I did not do and when I told her that the merchant had not talked to you guys she told me to resubmit it so I've been resubmitting over and over and they keep denying me this last time they denied me in a couple days but the last few times they denied me 15days plus each time. I've talked to the merchant and the merchant is working with me and they just needed time to send a charge back. I'm still denies it even with my submitted police report my submitted identity theft report this person has took my address and it's open up things and you still deny me I've submitted my lease the show that these are the people that are in my home me and my XXXX  children and that is it the name is not even my name and still you deny me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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 formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/2023

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I need you to look into the mistakes on my credit report immediately. These inaccuracies have been stressing me out and its affecting everything. It is disheartening to know that my rights as a consumer is being violated. I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. Make sure all this information is 100 % correct. I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: VA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Blockchain.com, Inc.
State: CA

Complaint narrative:
About 3 years ago, I deposited XXXX XXXX and ACH to my account wallet, but it was immediately locked. Then I contacted the customer service representative and kept saying that the money would be refunded to me, but I haven't received it, and I couldn't enter my wallet at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: CA

Complaint narrative:
I am writing to formally dispute and demand the removal of the following unauthorized hard inquiries reflected on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I did not authorize, initiate, or apply for any credit, auto loan, or account with these companies. As such, these inquiries are the result of fraudulent or unauthorized activity.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b ( c ), credit reporting agencies are prohibited from allowing inquiries on a consumers credit report without a permissible purpose. These inquiries were made without my consent and in violation of my rights under federal law.

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 2025-06-27 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: LA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I discovered that my personal and financial information was included in a national public data breach affecting millions of consumers. This breach has resulted in unauthorized access and exposure of my data without my consent, leading to suspicious activity and high concern for potential identity theft.

I contacted the companies involved and formally disputed any inaccurate or unverifiable data on my credit report. However, they have failed to provide adequate responses or proof of proper data handling. Some continue to report disputed information, in violation of federal consumer protection laws.

This breach has caused financial distress, disrupted access to credit, and forced me to take protective measures. I am requesting the CFPB investigate the data handling practices of these entities, ensure all unverifiable information is removed from my credit file, and confirm whether my rights under 15 U.S.C. 1681c-2, 1681s-2, and the FTC Act 45 have been violated.

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