vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sezzle Inc.
State: TX

Complaint narrative:
I am filing this complaint to formally report that false and inaccurate information is being reported about me by one or more data furnishers and/or consumer reporting agencies. Despite multiple attempts to dispute and correct this information, it remains on my credit report, which is a clear violation of federal law. 

Under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), consumer reporting agencies are legally required to conduct a reasonable reinvestigation of any disputed information within 30 days. Additionally, under 15 U.S. Code 1681s-2 ( a ), furnishers of information have a duty to provide accurate data and are prohibited from reporting information they knowor should knowis incorrect.

By continuing to report or fail to correct this false information, the responsible parties are acting in willful and negligent violation of the FCRA. This has caused me financial and emotional distress, including damage to my credit standing and obstacles in obtaining employment and housing. 

I am demanding a full investigation by the CFPB into this matter and expect appropriate enforcement action to be taken against the responsible parties. If this issue is not promptly resolved, I am fully prepared to escalate this through legal channels, including the possibility of a civil suit for statutory and actual damages under 15 U.S.C. 1681n and 1681o. 

I respectfully request that this matter be addressed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I was notified via an alert from my credit union that my credit score was lowered do to a an item added to credit profile from Caine & Weiner in the the month of XX/XX/2025. I contacted XXXX  and it was verified by the credit bureau that Caine & Weiner had provided the information to its trade line. I disputed the information with XXXX and followed up my dispute with Caine & Weiner also. I sent a certified letter/return signature receipt mailing and requested a letter of verification of debt. I received a letter dated XX/XX/2025 from Caine & Weiner absent the certified return receipt green card, C & W Account # XXXX stated that the item will be removed from my credit profile but I had already had the item removed prior to this information. This is the third or fourth attempt by Caine & Weiner to add this item to my credit report and as a result my credit profile and score was affected by this continual unethical practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX XXXX  TransUnion XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX XXXX  TransUnion XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: FL

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
On XX/XX/year>, my phone was stolen. Someone accessed my Navy Federal account through the phone on XX/XX/XXXX, and transferred {$1900.00} via XXXX XXXX, then moved the funds to themselves. I filed a dispute with Navy Federal, but they denied my claim, despite the fact that the transaction was unauthorized, made with stolen property, and clearly not initiated by me. I have a claim with XXXX for the stolen phone and proof that it has been locked, I also have an audio recording from the thief admitting to stealing my money. I am asserting my rights under the Electronic Fund Transfer Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: MS

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 Address : XXXX XXXX XXXX XXXX CA XXXX INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX 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 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I deposited an Insurance Claim check from XXXX via XXXX, valued more than {$53000.00}, on XX/XX/year>. I made the deposit into my Chase checking at a local chase bank in XXXX. This was the third check from the XXXX XXXX claim department and the other XXXX were placed on normal holds of no more than 2 days. The previous XXXX checks were both above {$6500.00}. The {$53000.00} check when deposited on XX/XX/XXXX originally reported funds available on XX/XX/XXXX via the cash deposit receipt and reported by the teller. However, on XX/XX/XXXX, a federal holiday for banks, I received notification that my deposit was now on hold until XX/XX/XXXX. I called Chase deposit team twice on XX/XX/XXXX looking for an explanation and to expedite funds availability as I need to pay my contractors for services rendered on an insurance claim from an incident happening XX/XX/XXXX. Chase agent needed XXXX to verify check information at first which XXXX insurance claims staff couldn't do because they didn't have access to check information. Second Chase agent told me XXXX  XXXX XXXX had to verify funds were in the XXXX account the check was drawn from. He placed me on hold and came back saying XXXX XXXX XXXXXXXX does not release funds by XXXX party requests. The XXXX agents took different methods but none were electronic verification through ach or federal applications that verify funds real time. Chase did not honor its original documented 2 day hold for my deposited check like it had done the XXXX previous checks from the same bank and account. I called XXXX on XX/XX/XXXX to see if there were any issues with the check or account the funds are to be drawn from and their staff reported that the funds are available. Chase seems to have a history of placing unnecessary holds on customer accounts and I need to report this issue as I need those funds as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 Address : XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$260.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$280.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$220.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$27.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$750.00} INQUIRIES : XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/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 2025-07-09 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am writing to formally file a complaint against XXXX XXXX XXXX XXXX XXXX XXXX and/or XXXX XXXX XXXX XXXX for XXXX to comply with 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). This statute requires a consumer reporting agency to block information resulting from identity theft upon proper notification, which I have already submitted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
On XX/XX/year>, at XXXXXXXX XXXX, I contacted Ally Financial to inquire about a hardship payment extension. The call lasted approximately 34 minutes, during which I spoke with multiple representatives and eventually escalated the matter to a manager, seeking clarity on the requirements to qualify for the extension. Despite my clear and respectful request, I was not given any concrete criteria and was instead told that eligibility is determined by " the system '' a vague and unaccountable method that relies on automation with no human review process. 
When I asked for clarification, the representative stated that would be " coaching '' me through my responses, that such coaching is not allowed. This contradictory and evasive exchange revealed a deliberately murky process that appears designed to confuse and frustrate customers rather than assist them. 
I had completed the extension process and was denied twice. On both occasions, I completed all the necessary steps and was automatically denied by the system, without any clear reason or opportunity to appeal. This creates an illusion of support, when in fact the process appears designed to deny relief and shift blame onto an algorithm. 
It is important to note that I have made consistent, on-time payments on my account and have acted in good faith throughout my relationship with Ally. To be treated with such disregardespecially during a time of legitimate financial strainis unacceptable and inexcusable. Rather than being met with understanding or flexibility, I encountered a process that felt punitive and predatory. 
As someone reaching out during a time of hardship, I was stunned by the lack of empathy, the illusion of support, and what increasingly felt like a deliberate and predatory effort to deny help while simultaneously setting up customers for credit damage. The use of ambiguous language and reliance on the computer to deny extensions, without explanation or appeal, is not only unethicalit borders on deceptive business practices. 
I am demanding the following : 1. A full and written explanation of the specific criteria required for a hardship extension. 
2. The reason this information was withheld during my XX/XX/XXXX call. 
3. A review of the call records and the failure to follow through on the promised managerial callback. 
4. Immediate correction or reversal of any adverse credit reporting resulting from this issue. 
I expect a thorough investigation into Allys policies and how they are communicatedand miscommunicatedto customers in vulnerable situations. 
Ally must be held accountable for practices that mislead, manipulate, and punish those already in financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: NC

Complaint narrative:
I received an email welcoming me to Chime, and later that I had changed my password. I have never signed up with Chime, and these were from the official email according to XXXX. The phone number on the account was not my own nor anyone I recognized. I called Chime from the phone number on their website, and they confirmed that an account had been opened with my name, birthdate, and email. They stated they would close it, but they also wanted me to open an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a 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 non-monetary relief
Consumer complaint received 2025-07-09 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: AL

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. ''

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