vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-25 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:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and XXXX alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and XXXX inaction violates federal law and my rights as a consumer.

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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am reporting multiple fraudulent accounts and collections on my credit report that I did not open, authorize, or use. These accounts were reported by companies including XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ), and XXXX XXXX 
These accounts appeared on my credit report between late XXXX and early XXXX. I did not apply for or authorize any of these accounts. I believe my identity was stolen and used by an unknown party. 
As soon as I discovered the suspicious activity, I filed an identity theft report with the FTC at https : //identitytheft.gov, placed a fraud alert on all three major credit bureaus, and submitted disputes with Experian, Equifax, and TransUnion. Despite these efforts and multiple follow-ups, the credit bureaus have failed to remove the fraudulent items or provide any documentation verifying the legitimacy of the accounts. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to receive a response and proper investigation. I have not been provided with any signed contracts, applications, or IP address records showing I opened these accounts. I am demanding to know how these accounts were opened in my name, who opened them, and with what information. 
The credit bureaus failure to investigate and remove these fraudulent accounts is negligent and has caused ongoing harm to my credit profile and personal finances. I am requesting that the CFPB intervene to ensure : All fraudulent accounts and inquiries are removed from my credit reports. 
The credit bureaus provide any documentation they used to verify the accuracy of these accounts. 
All creditors furnish proof that I personally opened or authorized these accounts or they must be deleted immediately. 
I am prepared to provide my FTC Identity Theft Report, a copy of my ID, and proof of address. I am demanding full compliance with my rights under FCRA and prompt removal of all inaccurate and fraudulent information.

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 2025-05-25 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: FL

Complaint narrative:
I am reporting multiple fraudulent accounts and collections on my credit report that I did not open, authorize, or use. These accounts were reported by companies including XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ), and XXXX XXXX 
These accounts appeared on my credit report between late XXXX and early XXXX. I did not apply for or authorize any of these accounts. I believe my identity was stolen and used by an unknown party. 
As soon as I discovered the suspicious activity, I filed an identity theft report with the FTC at https : //identitytheft.gov, placed a fraud alert on all three major credit bureaus, and submitted disputes with Experian, Equifax, and TransUnion. Despite these efforts and multiple follow-ups, the credit bureaus have failed to remove the fraudulent items or provide any documentation verifying the legitimacy of the accounts. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to receive a response and proper investigation. I have not been provided with any signed contracts, applications, or IP address records showing I opened these accounts. I am demanding to know how these accounts were opened in my name, who opened them, and with what information. 
The credit bureaus failure to investigate and remove these fraudulent accounts is negligent and has caused ongoing harm to my credit profile and personal finances. I am requesting that the CFPB intervene to ensure : All fraudulent accounts and inquiries are removed from my credit reports. 
The credit bureaus provide any documentation they used to verify the accuracy of these accounts. 
All creditors furnish proof that I personally opened or authorized these accounts or they must be deleted immediately. 
I am prepared to provide my FTC Identity Theft Report, a copy of my ID, and proof of address. I am demanding full compliance with my rights under FCRA and prompt removal of all inaccurate and fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: NC

Complaint narrative:
Jefferson Capital LLC # XXXX Im aware 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 account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
These companies are not genersting my credit score for lenders to be able to approve me for a mortgage my scores are not generating and not even for me to be able to see... I need my credit report nd score to become availabe immediatley so that I can live a normal life when trying to apply for credit and these companies are not complying

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Army and Air Force Exchange Service
State: TX

Complaint narrative:
I would like the credit card removed from my credit report due to me being fired from the XXXX exchange in XXXX of XXXX after I was XXXX  I wasnt able to use the card atall!!! Still cant use the card also the amount it say that I owed is incorrect due the 15 USC 1692c they have violated my rights by in lawful communication I would like this removed from my credit report thank you

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 2025-05-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: IA

Complaint narrative:
Debt violation As of 15 USC 1692 G 1 ) I need a Full detailed list of payment history on this account.

2 ) I Want to see the original wet signature i agreed to on the contract for this creditor.

3 ) Has there been any insurance claims on this debt?

4 ) I want the chain of title/ custody that you have to collect on this debt.

If you can not provide all of these documents, then it needs to be removed and deleted from my report. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
I want to request a 1099c from the company cause on my credit report it was written off and that is not how to report and i am gone to sue for statutory damages if this isnt removed off my credit report! That is very much fraud to claim written off on my credit report but theyre claiming it on their taxes and I havent received a 1099c and they are still reporting on my credit for late fees .according to the fair credit report act frca 605b it is illegal to report information on my credit report without my permission please remove this item from my credit report thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-05-25 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: LA

Complaint narrative:
WESTLAKE FINANCIAL SERVICES XXXX * * * * Despite my proactive attempts to resolve the matter and fulfill the necessary financial obligations, I was provided misleading and inaccurate information by the repossession agency that ultimately prevented me from reinstating my loan. 
After the repossession, I promptly contacted the repossession agency to inquire about the reinstatement process. During these conversations, I was informed that I would be able to reinstate my loan by paying the required amount within a specified timeframe. However, as I proceeded to gather the funds and attempted to make the payment, I was met with conflicting instructions, delays, and misinformation from agency representatives. 
Specifically, I was given incorrect details regarding the total amount due, the payment method required, and the deadline for reinstatement. Furthermore, I received inconsistent responses regarding whether my lender was still accepting reinstatement, leading to further confusion and an inability to take proper action. As a direct result of this misleading information, I was denied the opportunity to reinstate my loan despite my willingness and financial readiness to do so. 
I strongly believe that these actions were improper and have caused undue financial and personal hardship. I am seeking an official review of my case and request that appropriate corrective measures be taken to address this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: Chime Financial Inc
State: MI

Complaint narrative:
I was charged {$320.00} on XX/XX/XXXX on my chime credit card. I contacted XXXX and they were supposed to send me my refund that day but since they didnt, I started a dispute with chime. Told me to provide every bit of information that I can so they can get my refund back to me. I have provided photos of the payment being reversed back to chime. I have provided a reference number and a reconciliation ID to chime from XXXX and XXXX still trying to say that they dont have my money and I even went up to XXXX and XXXX even being shouted in the system that my money was refunded back so now I definitely need some help because they arent trying to give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Momnt Technologies, Inc.
State: GA

Complaint narrative:
I talked to a local XXXX XXXX XXXXXXXX XXXX in my home. To purchase XXXX XXXX XX/XX/XXXXXXXX  originally financed with XXXX XXXX XXXX. now the loan has been sold to a new company. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Ga XXXX On or about XX/XX/XXXX my XXXX was hacked XXXX ID compromise XXXX XXXX compromise identity stolen..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On Friday XX/XX/XXXX, my debit card was blocked by some department within Citibank. 

I attempted to buy a table at XXXX XXXX for around {$850.00}, my card was declined on XXXX separate occasions. When I called Citibank to resolve the issue, I was told my card was working normally. 

For background, my last Citibank account was compromised and fraudsters took around {$2500.00} of my Money on XX/XX/year>. After XXXX weeks of diligent requests the issue was finally resolved. I had to make a new checking account as a result. 

On Friday, XX/XX/XXXX after multiple declined attempts and a declined visit to an ATM Citibank confirmed my card was blocked pending an investigation. They told me I would not have access to any of the money in my account ( roughly {$22000.00} ) for XXXX hours pending investigation. They confirmed their fraud office was closed for the day and no one would be able to help me for the duration of the weekend. The Citibank representative XXXX, provided me a special number and assured me should would reach out to me as soon as possible when the issue was resolved. 

On Saturday, XX/XX/year> I visited a bank branch in person and was able to make a withdrawal of {$1000.00} in order to buy the table that incited this issue. 

No one called me on Saturday to follow up about the investigation. There were no alerts on my account about the issue. I didnt receive an email or text update informing me of a fraud investigation. 

But for my own proactivity on this issue I would have no details whatsoever about the status of the problem. 

On Sunday XX/XX/year> I called to inquire about the status of the issue. I spoke with a customer service representative named XXXX. She informed me that no one in the fraud department would be working on Sunday or Monday ( because of the holiday ) and let me know the issue was most likely to be resolved on Tuesday - XX/XX/year>. 

The solution XXXX offered was outside of the XXXX hour window that XXXX provided XXXX days prior. No one has offered and explanation of the issue and no one has been able to give an adequate timeline for its resolution. I have not had access to any of my money in this account for approaching XXXX hours. It is unacceptable.

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 2025-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: OH

Complaint narrative:
on XXXX XXXXXXXX  i ordered a item through cashapp the item never arrived so i contacted the company aswell as cashapp and got no response also did a cashapp dispute and never heard anything back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: MI

Complaint narrative:
I am submitting this formal complaint against Experian for failing to remove multiple unauthorized and outdated hard inquiries from my credit report. These inquiries are over XXXX years old and no longer meet the permissible reporting criteria outlined by XXXX XXXX Compliance standards. 

Additionally, I never gave written authorization for any of these companies to access my credit file. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 604 ( a ) ( 3 ) and 15 U.S. Code 1681b, which requires consumer consent or a legally permissible purpose for credit pulls. 

Below is a list of the unauthorized and outdated hard inquiries : 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 Despite my attempts to resolve this with Experian directly, they have failed to remove these inquiries or provide proof of authorization. Under both Metro 2 Compliance and FCRA Section 611, any information that is not verifiable or authorized must be promptly deleted. 

These outdated entries are inaccurately reported and continue to harm my credit profile. I respectfully request the CFPB investigate this matter and compel Experian to remove these inquiries immediately. If unresolved, this failure could warrant penalties under FCRA Sections 616 and 617. 

Thank you for your time and attention to this matter. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: MI

Complaint narrative:
The date of my offense on my report is incorrect. the date of my offense was on XX/XX/year>. The report reflects it was on XX/XX/year>XXXX  which is incorrect. I was XXXX  on XX/XX/year>, and was sitting in XXXX  for 6 months prior to that ( 180 days ) I was credited for, which the report reflects. But the date of offense is still XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I want to dispute the 2020 XXXXXXXX XXXX off of my credit due to review the laws about credit this need to be removed they didnt send me no letter saying it was charged off they didnt give me no XXXX XXXX they just charged it off but on my report it say they didnt give false information now it say I owe over 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