vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK
State: TX

Complaint narrative:
Accidentally did a bank transfer to other bank account and when I called the other bank i was told my account was being closed. Never received an email about it. Including was told the ach would just be rejecting but it wasnt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX NCA Stated that they are reporting XXXX Account # XXXX reported on XX/XX/XXXX and that debt was included in my Bankruptcy filed on XX/XX/XXXX Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: MS

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at XXXX : XXXX. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FXXXX 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 Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XX/XX/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 2025-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: NY

Complaint narrative:
My credit report contains incorrect personal information and now show accounts Ive never opened. Ive been a victim of identity theft, and my details were used without permission. I filed an FTC Identity Theft Report and submitted it to TransUnion as instructed, yet the fraudulent items are still showing.

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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon reviewing my credit report, I found an erroneous bankruptcy entry, which is causing significant damage to my financial standing and negatively affecting my creditworthiness. However, I was informed by the bankruptcy court that the company responsible for reporting this bankruptcy entry does not confirm public records. Therefore, I kindly request XXXX conducts a thorough investigation into the accuracy of the bankruptcy entry on my credit report, and takes immediate action to correct any inaccuracies found during the investigation. Attached to this letter I am sending document stating that the court has not been reported my Bankruptcy XXXX XXXX. XXXX to any data broker company or credit reporting agency. I also request written confirmation of the resolution and a copy of the updated credit report reflecting the removal of the erroneous bankruptcy entry. 
Remove the following items from my credit report immediately : Accounts : XXXX XXXX XXXX. XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX This account is being reported inaccurately proceed to remove this from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
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 XXXXXXXX Date XX/XX/XXXX Social Security # : XXXX To Whom It May Concern : I recently received a copy of my credit report and I noticed some accounts on my consumer report that should not be on there. 

You are in violation of 15 USC 1692g. You and the debt collector were to notify me of this issue in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. In addtion, pursuant to 15 USC 1681i ( 5 ), if the debt can not be validated or confirmed to be accurate, you must DELETE. Therefore, the following accounts must be deleted from my report immediately : Late Payment For American Express XXXX, XXXX, XXXX, May The reporting of these account ( s ) is/are also violations of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 

So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-05-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
After my recent complaint with Chase bank I was issued a check from a closed account almost immediately but the check went to the wrong address despite me going to the bank in XXXX 4 Times & Today makes it 5 times That the bank manager updated my current address we both verified the new address and today was the day he told me to come if my check didnt come and I was given a tracking number and I found out my check was mailed to the wrong address the picture that XXXX provided you dont see a check or front porch or no mailbox.. The managers two of them were pleading with the BACK BANK THAT MY ADDRESS WAS UPDATED 5 DAYS BEFORE THE CHECK WAS MAILED TO THE WRONG ADDRESS & BEFORE THAT THE VA TREASURY DEPARTMENT PUT A TRACER ON MY XXXX PAYMENTS & I CONTACTED YOU PREVIOUSLY ( XXXX ) AND NOW MY FINANCES IS IN RUIN MY CAR NOTE & INSURANCE ISNT PAID MY RENT ISNT PAID & MY XXXX AND PHONE BILL CANT BE PAID I HAD TO GO TO XXXX XXXX XXXX XXXX XXXX XXXX BUT TO WAIT XXXX ADDITIONAL DAYS FOR MISTAKES THEY HAVE CONSISTENTLY MADE FOR MORE THAN A MONTH SO IF MY ACCOUNT WAS CLOSED WHICH WOULD OF BEEN THE BEST CASE SCENARIO THE VA TREASURY DEPARTMENT WOULD OF REDEPOSIT MY VA BENEFITS TO MY NEW BANK ACCOUNT I SET UP AT XXXX  XXXX XXXX XXXX CHASE BANK SAID MY ACCOUNT WAS CLOSED THEN CHASE BANK XXXX SAID MY ACCOUNT WOULD BE UNLOCKED SO FOR 22 DAYS I AM WITHOUT MY VA XXXX MONEY FOR ANOTHER XXXX ADDITIONAL DAYS & I HAD TO GET MY BANK CARD NUMBER FROM CHASE BECAUSE I THREW AWAY THE CARD THIS IS A TOTAL NIGHTMARE PLEASE DO SOMETHING I JUST WANT MY MONEY AS SOON AS POSSIBLE I BEEN CUT TIES WITH CHASE BANK THANK YOU XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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:
I pulled my credit reports and noticed several accounts that i did not open that are severely affecting my 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 2025-05-23 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:
Im writing again because a fraudulent account continues to show up on my credit report, despite my previous efforts to resolve this. This has gone on far too long and is extremely frustrating. My personal information is still incorrect, and its allowing this false accountone Ive never had any connection toto appear on my file. Ive been a victim of identity theft. I followed protocol, filed an FTC Identity Theft Report and police report as instructed by Experian, and submitted the necessary documentation. Yet the account remains.

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 2025-05-22 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: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am writing to formally dispute to REGIONALAC for an unauthorized hard inquiry that has appeared on my credit report. I noticed that REGIONALAC conducted a hard credit inquiry without my knowledge or consent. I did not apply for credit with this company, nor did I authorize them to access my credit report in any form.

This action constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b, which clearly limits when and how a company may obtain a consumer 's credit information. Under this law, a hard inquiry is only permissible if it is connected to a credit transaction initiated by the consumer and with their explicit consent. This unauthorized inquiry not only represents an invasion of my privacy but also has the potential to negatively affect my credit score. I reached out to REGIONALAC to request the immediate removal of the inquiry and to obtain documentation showing I gave consent. I have received no response or resolution. I am therefore requesting that the Consumer Financial Protection Bureau investigate this matter. I would like the REGIONALAC to provide written proof that I authorized this inquiry or, failing that, immediately remove the inquiry from all consumer reporting agencies, including XXXX XXXX XXXX XXXX, and any secondary bureaus such as XXXX  or XXXX, if applicable. Additionally, I request that the company cease and desist from further accessing my credit information without a permissible purpose and that they notify all relevant credit bureaus of any updates or corrections made.

Please find attached documentation showing the inquiry as reported on my credit file and any communications I have had with the company. I certify that the information provided in this complaint is true and accurate to the best of my knowledge.

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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: WV

Complaint narrative:
I have disputed this ( 3 ) times with all 3 credit bureaus and a proper investigation failed to happen for all 3. All three bureaus are reporting different and inaccurate information which is damaging and misleading. Each bureau is reporting a different collection start date. The balance due is different on XXXX  compared to XXXX  and XXXX. Payment history is different across all three bureaus, and I can not verify this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
There and inaccuracies across multiple credit reporting agencies. I am filing this complaint to dispute fraudulent accounts, unauthorized inquiries, and reporting discrepancies under my name, in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXX : Account ending in XXXX. It appears as a charged-off account with a balance of {$7400.00} on both XXXX  and Experian, While successfully deleted from just Equifax XXXX XXXX : Account ending in XXXX closed with a balance of {$720.00}, marked as charged off. This appears on both reports with derogatory remarks. 

XXXX : Account XXXX Open with a balance of {$280.00} Reporting Discrepancies Between Bureaus : XXXX XXXX and XXXX XXXX accounts show inconsistent last activity dates, status descriptions, and payment histories between XXXX  and Experian. 
Some accounts are listed on XXXX  but are missing from Experian or Equifax entirely. 
XXXX XXXX accounts are reported with different balances, dates, and payment history across bureaus. 

Unauthorized Credit Inquiries ( from XX/XX/XXXX to XX/XX/XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were not initiated by me and were likely done in attempts to obtain fraudulent credit.

Unrecognized Addresses and Employers : Several addresses and employers appear on my reports that are not associated with me, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX XXXX Violation of My Consumer Rights : Under the FCRA ( 15 U.S.C. 1681 et seq. ) I have submitted an official FTC Identity Theft Report ( Report # : XXXX ). I am requesting that the CFPB ensure the following : THESE ACCOUNTS HAVE BEEN DAMAGING TO ME. I NEED ALL ITEMS REMOVED IMMEDIATELY. THESE ERRORS ARE ILLEGAL AND UNETHICAL. WHILE ALL COMPANIES FAILED TO CORRECTLY INVESTIGATE. ASIDE FROM EQUIFAX BEING THE ONLY ONE WHOM CORRECTLY REMOVED XXXX XXXX  FROM MY PROFILE. 

Thank you for your attention and assistance. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: Self Financial Inc.
State: FL

Complaint narrative:
I pulled my credit reports and noticed several accounts that i did not open that are severely affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX  XXXX Acct : 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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA 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 AND XXXX. 

Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 2025-05-23 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: NJ

Complaint narrative:
I was checking my credit report and I noticed that I had some inaccurate items that doesn't belong me. I'm in the process of buying a house and these and these accounts are affecting my ability to obtain credit. Please validate these accounts and the absence of any verification, please delete these items as soon possible.

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 2025-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
On XX/XX/year> I sent a payment in the amount of XXXX to my mother through my bank SOFI using the XXXX service. After I submitted the payment I received a text message asking me to verify the transaction with a code sent to my mobile number. I inputed the code sent to my phone and hit submit. At some point the screen was loading and then closed out. I checked my account afterwards to make sure the payment went through and under my transactions with SOFI, I saw the XXXX payment was deducted and a transaction number was pending Transaction # XXXX with a send amount of XXXX. At no point did I have any reason to think the payment didn't get sent to my mother. At around XXXX I received a call from my mother stating she never recieved the payment that was sent. I went back to confirm the payment was sent and saw the money had been authorized so I don't know why she never got it. I have sent my mother money through XXXX several times before without any issues. We both noticed that under the XXXX activity on both of our accounts there was no record of the transaction taking place under the XXXX account activity. I know that the money was taken and has now posted to my account but the person it was sent to did not get it and the money was never returned to me so that payment is lost somewhere in lingo between XXXX and Sofi 's system. I spoke to a supervisor with Sofi and he opened up a ticket # XXXX to try and locate that original payment so that the funds could be returned to my account. I was also advised by that supervisor that the payment was coded with a rejection error. I want the money returned to my account ASAP as it never went to the person it was supposed to go to.

Company response to consumer: Closed with explanation