vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 {$0.00} UNAUTHORIZED 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 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 2025-05-16 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: TX

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I never authorized their opening. Please rectify this error immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
company did not provide information proving the debt belong to me

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 2025-05-16 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: GA

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1700.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1100.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: GA

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1700.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1100.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00}

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 2025-05-16 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: NC

Complaint narrative:
I am formally requesting the removal of fraudulent accounts and inquiries from their credit report due to identity theft. Citing Section 605B of the Fair Credit Reporting Act, they ask the credit bureau to block and delete unauthorized items. I have included a list of the disputed entries and an Identity Theft Report from the FTC, and I request prompt action and written confirmation once the report is corrected.

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 2025-05-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION
State: IN

Complaint narrative:
I was misled by Service Finance Company regarding the terms of my XXXX  XXXX  agreement, specifically the reinstatement of a promotional " Equal Payment No Interest '' plan.

I called Service Finance in good faith to notify them that I was struggling financially and to ask what options were available. I was honest and transparent about being in a vulnerable position, seeking help to stay in good standing and avoid further financial hardship. During the recorded call, I was told that if I brought my account current, the promotional no-interest terms could be reinstated. Based on that clear verbal assurance, I submitted the payment. 

After the payment was processed, I was informed for the first time of a 45-day reinstatement rule that allegedly disqualified me. This policy was never mentioned in the call, never disclosed in my contract, and never referenced in any written material I signed. When I asked to escalate the issue, the supervisor explicitly said he would not even ask on my behalf because he already knew the answer. At that point, realizing I had been misled and that they had taken advantage of my good faith, I canceled the payment. 

Following that call, I submitted a formal written dispute and gave the company 7 business days to resolve the issue before escalating. However, since the supervisor had already denied my request and refused escalation, I had no reasonable expectation of resolution and I am now submitting this complaint through the appropriate regulatory channels. 

This is a clear bait-and-switch : a verbal promise was used to induce payment, then revoked based on an undisclosed, non-contractual policy. This appears to violate federal UDAP ( Unfair or Deceptive Acts or Practices ) guidelines and reflects unethical treatment of a consumer who reached out in a moment of need. 

I am requesting : Reinstatement of the promotional Equal Payment No Interest terms as promised once the account is current, A copy of the call recording where reinstatement was discussed, A citation of the contractual authority for the 45-day policy used to deny my request.

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 2025-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management
State: AL

Complaint narrative:
Ok my last complaint was marked as duplicate but it's not duplicate I had 2 different accounts on my credit which Plaza services owned both one was XXXX XXXX and the other was XXXX XXXX both of those debts were sold to plaza services they deleted the XXXX XXXX but somehow the {$12000.00} for net credit is still reporting I sent plaza services as well as XXXX the police report on several different occasions but it's still reporting I need this account deleted as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am experiencing continuous verification issues with my Chase business checking and credit accounts. Despite multiple attempts to resolve this with Chase, my accounts frequently get locked, and I am unable to verify my identity successfully. This is significantly disrupting my business operations as I can not access my funds or complete important transactions. 

When I attempt to verify my account over the phone, I am asked security questions that seem unrelated to my personal information. Even though I answer them to the best of my ability, the verification fails repeatedly. Additionally, I am unable to receive verification codes on my primary phone number, despite it working properly during online banking logins. 

I also received a letter from Chase requesting an SSA-89 form for verification. I filled it out and sent it. The verification issues persist, and it is impacting my business and causing financial losses.

I believe there may be incorrect or outdated information in Chase 's system that is affecting my identity verification. I am requesting CFPB 's assistance in having Chase conduct a thorough review of my personal information to identify any discrepancies and correct them promptly. I would also appreciate assistance in receiving a detailed explanation of the specific information Chase is using for identity verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: WA

Complaint narrative:
I am requesting the removal of fraudulent information from your credit report due to identity theft. Several accounts and inquiries listed are unauthorized, and you are asking for them to be blocked and removed as per Section 605B of the Fair Credit Reporting Act ( FCRA ). You have attached a list of the disputed items and your Identity Theft Report. I am requesting prompt investigation and written confirmation once the necessary corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: NY

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: NY

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-05-16 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: Early Warning Services, LLC
State: FL

Complaint narrative:
Name : XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License XXXX ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX FL XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX  XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX  XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # XXXX Bank : XXXX  XXXX XXXX XXXX Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX  XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # XXXX Bank : XXXX  XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX  XXXX Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank XXXX XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: MA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-16 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: Chime Financial Inc
State: AZ

Complaint narrative:
Complaints against - Chine Financial , Inc. -partner bank ( XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) I am filing a complaint against Chime regarding XXXX unauthorized charges to my account by XXXX XXXX XXXX XXXX ( and related aliases ). Despite properly reporting the transactions, I have faced repeated delays and improper treatment under Regulation XXXX. 

On XXXX separate occasions, Chime has changed the timeline for the provisional credit : first promising it by XX/XX/XXXX, then delaying it to XX/XX/XXXX, and now to XX/XX/XXXX without a clear explanation. 

When I spoke to a representative over the phone, I asked about financial hardship and was told they could send the money, but only if I proved I wasnt associated with the merchant. This is fundamentally backward the burden of proof under Regulation XXXX is on the institution, not the consumer. 

I have cooperated fully including contacting the merchant, submitting documents, and following all requests but Chime has still : Refused to send written findings of their decision Issued only a partial refund ( {$50.00} ) despite XXXX  disputed charges a total of {$1900.00} remaining Failed to confirm merchant contact Had a representative hang up on me when I brought up Regulation E Moved the credit date three times, worsening my real and documented financial hardship I believe this investigation is not being conducted in good faith and that I am being denied timely resolution and protection guaranteed under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I'm unaware 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 this account as soon as possible from my report or i will have to take legal action.

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 2025-05-16 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, XXXX credit reporting agency , remove 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX XXXX {$0.00} XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX These items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of 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.

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 2025-05-16 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: EQUIFAX, INC.
State: OH

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with non-monetary relief