vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 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:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-09-04 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:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-09-04 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: SC

Complaint narrative:
I pulled my credit report and noticed accounts listed that I did not authorize or provide my personal information for. These accounts are tarnishing my credit profile. Additionally, my personal information was exposed in a data breach. I need these fraudulent accounts removed from my credit report immediately.

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 2025-09-04 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: SC

Complaint narrative:
I pulled my credit report and noticed accounts listed that I did not authorize or provide my personal information for. These accounts are tarnishing my credit profile. Additionally, my personal information was exposed in a data breach. I need these fraudulent accounts removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CIBC BANCORP USA INC.

Complaint narrative:
In XX/XX/year>, I attempted to open a CIBC Bank USA Smart Account as a Canadian resident. As part of the account opening process, I was required to select my citizenship from a dropdown list provided by CIBC.

However, Taiwan was not listed as an option. I contacted CIBCs Client Support Center for clarification. A representative informed me that I should select XXXX instead, despite my clearly stated nationality being Taiwanese. 

I explained that I am not a citizen of the XXXX XXXX XXXX XXXX ( XXXX ), nor do I possess any XXXX identification. I am a citizen of Taiwan and only hold documents issued by the government of Taiwan. Being instructed to select China would constitute a false statement on a legal document, and I am not willing to misrepresent my nationality.

Furthermore, under the Taiwan Relations Act of the United States, Taiwan is treated as a distinct jurisdiction
under U.S. law for practical and legal purposes. The U.S. government does not consider Taiwan part of the XXXX for these purposes. CIBC Bank USA is operating under XXXX banking regulations and should comply with this legal framework.

By omitting Taiwan from the citizenship list and requiring Taiwanese nationals to inaccurately select China, CIBC is effectively preventing individuals from Taiwan from truthfully opening accounts, a

nd may be placing them at risk of legal exposure due to inaccurate disclosures.

I followed up with CIBC to request a correction, but I have yet to receive any resolution or indication that the company is willing to amend its system to reflect U.S. law and policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I was hacked by XXXX XXXX in the ad XXXX. I had been charged XXXX for an ad that was not authorized and both XXXX and PayPal wont do anything for 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 2025-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
I initiated a transfer on XX/XX/XXXX. For XXXX business days, excluding the holiday, it has been 5 days now and my {$150.00} is still not in my account. They removed my {$150.00} from my GOOD bank, XXXX on Saturday, XX/XX/XXXX. It is still not available in my Chime account. They wouldnt cancel the transfer when I asked them to on Saturday. I have screenshots from yesterday morning where I was promised it would be in my account yesterday before XXXX. I have screenshots saying it will be available on XX/XX/XXXX from the app. I have a call recording from last night where the agent guaranteed me and assured me that my {$150.00} would be in my account today. It is still not there. It has been the XXXX business days. I still have no access to my money. They havent returned it to my XXXX account nor have they deposited it into my Chime account. They have stolen my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST MERCHANTS CORPORATION
State: MI

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding First Merchants Bank and their failure to honor a promotional offer that I qualified for and completed all requirements within the specified timeframe.

The promotional terms stated that if I met certain requirementssuch as maintaining direct deposit and/or opening and funding a new account, and making qualifiable purchasesI would receive a promotional incentive during the designated payout month. I satisfied all of the requirements within the promotional period.

Despite my compliance, First Merchants Bank has failed to provide the incentive. When I contacted the branch, I was initially told the matter was a branch issue, and later they acknowledged an error. However, even after this acknowledgment, the bank has not corrected the situation. The deadline for payment has now passed, and I remain unpaid.

This is misleading and unfair to consumers, and I believe it may constitute a violation of consumer protection and banking compliance standards. 

I respectfully request that your office investigate First Merchants Banks handling of this promotional offer and take any necessary regulatory action to ensure compliance and consumer fairness. I also request assistance in obtaining the incentive that I rightfully earned.

Attachments : Promotional offer terms and conditions Account statements showing qualifying activities First Merchant Investigative XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: LA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: LendingPoint Holdings LLC
State: TX

Complaint narrative:
I am disputing the way XXXX XXXX XXXX is reporting a LendingPoint account. 

The original creditor, LendingPoint LLC, reported this account with an original balance of {$17000.00}. LendingPoint later charged off the account in XX/XX/XXXX with a {$0.00} balance when it was sold. 

XXXX XXXX XXXX, however, is now reporting this same account as a new debt buyer tradeline with an inflated balance of {$23000.00} ( as of XX/XX/XXXX ). This is nearly {$6000.00} more than the original LendingPoint balance, which is inaccurate and misleading. 

This results in : Duplicate reporting ( the same LendingPoint account appears under both LendingPoint and XXXX XXXX XXXX ). 

Balance inflation ( from {$17000.00} {$23000.00} without proof or itemization ). 

Re-aging of debt ( reporting as if new in XX/XX/XXXX instead of tied to the original XXXX account ). 

I have already disputed this with Experian. They responded that the account was verified with no changes, even though the balances clearly conflict between the original creditor and the debt buyer. 

This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

I request that the CFPB require : Validation of the debt, including an itemized accounting from LendingPoint to XXXX XXXX. 

Deletion or correction of the duplicate/false tradeline. 

Accurate reporting that reflects the original balance, not inflated amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-09-04 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XX/XX/XXXX SSN : * -- XXXX TransUnion LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX Subject : Identity Theft Request for Blocking of Fraudulent Accounts under FCRA 605B Dear TransUnion, I am writing to formally dispute and request the blocking of fraudulent accounts on my credit file. 

In XX/XX/XXXX, I discovered an auto loan in the amount of {$45000.00} and a collection account with XXXX XXXX XXXX for XXXX XXXX reported on my credit file. These accounts do not belong to me and are the result of identity theft. 

I previously disputed these accounts, but they were returned as verified despite my evidence. I am providing additional documentation to prove these accounts are fraudulent. 

Under my rights granted by the Fair Credit Reporting Act ( FCRA ) 605B, I request that these fraudulent accounts be blocked and removed from my credit report. 

Enclosed are the following documents in support of my claim : Copy of my government-issued ID and proof of address [ Police report and/or FTC Identity Theft Affidavit ] Any additional evidence proving the accounts are not mine Because these accounts were opened fraudulently and without my knowledge or consent, I request that TransUnion : 1. Block and remove the fraudulent {$45000.00} auto loan and the XXXX XXXX XXXX XXXX account from my credit file.

2. Notify the furnishers to delete these accounts from their records.

3. Provide me with written confirmation once the deletions are completed. 

Thank you for your prompt attention to this matter.

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 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Albert Corporation
State: PA

Complaint narrative:
I want my account canceled. They have made it impossible for me to cancel my account but keep charging my bank

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.

Complaint narrative:
XXXXI originally paid XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with phone number XXXX XXXX XXXX for an unsecured credit card. However, there were fraudulent charges on my account and XXXX XXXX had a bdata breech that affceted me, so I closed the my bank account and credit card account with them.\nHowever, XXXX XXXX XXXX has unlawfully sold my account to  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with phone number XXXX XXXX XXXX XXXX XXXX.  I did not owe XXXX XXXX XXXX  any amount and they owe me my original XXXXXXXX deposit for the secured credit card.\nThank you.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NJ

Complaint narrative:
On XX/XX/year> i sent this email : " Good afternoon, I notice my accrued interest is {$250.00}. my interest is 0.00 % for years. This does not make any sense. Please check on this. I look forward to hearing from you. '' Later, I received my first interest accrual of XXXX which is higher than it should be given my interest rate and principal ( it should be XXXX ). 

The correct montlhly amount needs to be corrected.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-04 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX XXXX helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: TX

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer 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 2025-09-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Figure Technologies, Inc
State: CA

Complaint narrative:
I applied for a home equity line of credit with Figure Lending in late XX/XX/year>. At closing, the notary did not provide me with the required Truth in Lending disclosures or the Notice of Right to Cancel. Figure later admitted in an email that these disclosures were only posted to my online dashboard after signing. 

Within the legal rescission period, I sent Figure a signed cancellation notice. Despite this, Figure funded the loan anyway and deposited {$350000.00} into my bank account. On the same day they funded, they were still asking me to provide proof of hazard insurance, which showed the loan was not even finalized when I canceled. 

When I contacted them, a company representative told me my cancellation was too late and that they could not pull the funds back. This is false under federal law. I also contacted my bank, which opened a fraud dispute case to reverse the ACH transfer.

Consumers should be aware that Figure funded a loan after rescission and refused to honor my cancellation.

Company response to consumer: Closed with explanation