vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 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: NC

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : ACCOUNT NAME : XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I discovered an unauthorized withdrawal from my Bank of America account through XXXX XXXX. I immediately contacted Bank of America to file a fraud claim. The representative told me they could not file the claim and instructed me to contact XXXX XXXX instead. I followed their instructions and filed a complaint with XXXX XXXX, but XXXX XXXX confirmed that they can not issue temporary credit and stated that my bank is responsible. When I called Bank of America back, I was told their system would not allow them to file a claim. This has left me unable to dispute the unauthorized transaction. Under Regulation E, Bank of America is required to accept my fraud claim, investigate it, and provide provisional credit within 10 business days. I am requesting that Bank of America comply with federal law by filing my claim and issuing the required provisional 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 2025-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
Comenity XXXX XXXX calls me every day ( XXXX ) at XXXX A.M. when I asked that they stop calling and blocked their number they started calling from a restricted/private number. I answer the phone some mornings and they hang up. Today they finally responded so I asked what the name of the company was and they told me. I asked them, again to stop calling me everyday from a blocked number and the guy told me they won't. I feel harassed at this point. These daily calls have been going on since XX/XX/year>. I have the call logs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report 2 fraudulent accounts appearing on my consumer FICO TransUnion Experian and Equifax credit reports which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a revolving account opened at XXXX XXXX XXXX on XXXXXXXX  under account number XXXX and an installment account opened at XXXX XXXX on XXXX under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: CA

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report 2 fraudulent accounts appearing on my consumer FICO TransUnion Experian and Equifax credit reports which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a revolving account opened at XXXX XXXX XXXX on XXXXXXXX  under account number XXXX and an installment account opened at XXXX XXXX on XXXX under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-08-16 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: MD

Complaint narrative:
I recently obtained a copy of my credit report and noticed inaccurate and unauthorized account on my credit reports ( XXXX XXXX XXXX XXXX ). These claims and remarks violates my rights and have caused harm to my credit standing and well being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I was charged for XXXX purchases on XX/XX/year> on my TD credit card. No charges on my credit card in the past were anywhere similar to these charges. The bank should have noticed that these charges were highly unusual for me and should have notified me before allowing them, but it did not. I found the charges myself on my online statement and alerted the bank. The charges for 2 of the purchases were removed, but TD bank sent me letters stated its investigation found that I had made the remaining XXXX purchases. They were for amusement park tickets out of state. I am XXXX XXXX XXXX, have a XXXX, and haven't left XXXX in decades. I have no children in my life. I phoned XXXX 's fraud department several times, and was hung up on more than once. Finally, I went to my local TD bank and filed a dispute claim. At last the charges were removed. 

Note that my XXXX  XXXX XXXX card was also hacked at the same time and XXXX  removed the fraudulent charges immediately with no trouble to me. A TD rep, when hearing about my XXXX  hack, told me to contact the Social Security XXXX because the problem was probably with my SS number, not with a bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have an unverified accounts on my credit report. I had previously disputed these accounts. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debts. I request that verification of the following accounts be provided : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. Please Cease and Desist all further communications and collection activities and provide the verification of the purported debt.

Please be aware that credit reporting agencies are currently facing legal scrutiny for failing to thoroughly verify disputed items. This serves as notice that I am prepared to take further action if necessary and pursue legal remedies if this issue is not corrected within the timeframe provided 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 2025-08-16 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: NJ

Complaint narrative:
Violation of Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.XXXX. XXXX XXXX is required by law to provide a clear and conspicuous disclosure of its privacy policies and practices, including how consumer information will be shared. 
Consumers must also be provided an opt-out option before their nonpublic personal information is shared with third parties, including credit reporting agencies. 
I was never provided proper notice, nor was I given the opportunity to opt out. This is a direct violation of federal law. 
2. Violation of Fair Credit Repo

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: NJ

Complaint narrative:
Violation of Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.XXXX. XXXX XXXX is required by law to provide a clear and conspicuous disclosure of its privacy policies and practices, including how consumer information will be shared. 
Consumers must also be provided an opt-out option before their nonpublic personal information is shared with third parties, including credit reporting agencies. 
I was never provided proper notice, nor was I given the opportunity to opt out. This is a direct violation of federal law. 
2. Violation of Fair Credit Repo

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 2025-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
A collection account was placed on my credit report without my knowledge or consent. I was never notified or provided with a debt validation notice prior to it being reported. The collection agency failed to send the required notice within 5 days of initial communication, as required under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). Instead a notice was sent 2 months after the account had already been put on my credit report.

This account appeared on my XXXX  credit report approximately two months before I received any correspondence from the collection agency. I disputed the account with XXXX, but XXXX  marked the debt as verified without providing me with any validation documents proving the debt belongs to me. This raises concerns under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), which requires consumer reporting agencies to conduct a reasonable investigation when a debt is disputed. 

To date, I still have not received proper verification or documentation establishing that this debt is valid or belongs to me. Yet the account continues to be reported, causing damage to my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: 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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: IA

Complaint narrative:
I have notice multiple inaccurate accounts reporting to my credit file

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 2025-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: KY

Complaint narrative:
I am submitting this complaint regarding Ally Banks repeated and unauthorized re-processing of previously canceled transactions on my account. These transactions have been marked as canceled since XX/XX/year>, yet Ally continues to process them monthly. I have documented this through dated screenshots each month. 

This conduct has caused direct financial harm, including the cancellation of a payment catch-up plan I had in place to bring my account current. As a result, I am no longer in a position to maintain my vehicle payments. 

I have repeatedly requested that all communication be in writing via Allys secure message center for my legal protection, yet Ally representatives continue to insist on telephone calls. In prior CFPB complaints, I have noted this ongoing refusal to comply with my written communication requests. 

Due to Allys ongoing mishandling of my account and the interruption of my payment plan, I am now requesting to proceed with a voluntary surrender of my vehicle on or about XX/XX/year>. I am requesting Allys cooperation to accept this vehicle as payment in full, with no deficiency balance, as the situation is a direct result of Allys improper transaction handling.

I have extensive written and photographic documentation of the repeated unauthorized transaction processing, Allys refusal to act upon my secure messages, and the harm caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: NC

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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: OK

Complaint narrative:
b'"I sent a certified letter to Transunion XXXX with a tracking number XXXX XXXX XXXX XXXX XXXX XXXX via USPS. The letter was received on XXXX. Transunion did not reply to my request I proceeded to send another letter dated XXXX which was also ignored. The account I am disputing is with bank:\'\' \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: 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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
XXXXI sent a certified letter to Experian XXXX with a tracking number XXXX XXXX XXXX XXXX XXXX XXXX via XXXX. The letter was received on XXXX. Experian did not reply to my request I proceeded to send another letter dated XXXX  which was also ignored. The account I am disputing is with 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 2025-08-16 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: CA

Complaint narrative:
On XX/XX/year>, I sent a certified letter to TransUnion regarding multiple inaccurate items on my credit report. The letter was delivered on XX/XX/year>, at XXXX XXXX  in XXXX, PA, per USPS Tracking # XXXX. This correspondence requested prompt investigation and correction or deletion of the following accounts : XXXX XXXX - {$4900.00} ( ACCOUNT # XXXX ) After receiving no response or update regarding the investigation within the time required by law, I sent a second letter on XX/XX/year>, reiterating my dispute and again requesting prompt resolution. To date, I have received no response from TransUnion.

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 2025-08-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: MD

Complaint narrative:
I switched from the XXXX plan to XXXX in XX/XX/2025. Im now back in repayment. I was originally supposed to be forgiven XX/XX/2025, but the XXXX plan had me in forbearance. I switched to XXXX. I applied for XXXX XX/XX/2025. Im technically finished the XXXX qualifying months and I started making payments again in XX/XX/2025. Money I dont technically owe. The Feds are holding people financially hostage and Im seeking any help. My loans are not in default and all rules were followed.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-16 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: NC

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/2025

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Opened an account at citizens bank on XX/XX/XXXX with deposit turned around and decided to close account within a week, still waiting for money, been almost XXXX weeks as of XX/XX/year>. No resolution. Still holding money, still open account and holding it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
To start with, I had never even heard of the companies Chime or XXXX. 

I receieved 5 emails in quick succession that said new login detected and another that said here 's your direct deposit form. The first 5 were for a mobile phone in the town that I live in. The last one had an attachment with my full name in the signature of a direct deposit form. 

Then I got an email from XXXX saying I successfully linked my Chime account to it. 

The next day I got another email from Chime that my referral bonus was added to my account. 

These companies must have terrible security if they are allowing people to create accounts in my name.

Company response to consumer: Closed with explanation