vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Credit inquiries that i did not authorized XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax update XX/XX/XXXX Equifax XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XX/XX/XXXX Equifax XX/XX/XXXX Equifax XX/XX/XXXX Equifax XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-07-20 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:
It has come to my attention that my personal information has been exposed in a national data breach. Reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have asked the CRAs for validation of debt, however, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, a copy of a data breach report showing my information being exposed in a national data breach and a validation of a debt letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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:
It has come to my attention that my personal information has been exposed in a national data breach. Reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have asked the CRAs for validation of debt, however, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, a copy of a data breach report showing my information being exposed in a national data breach and a validation of a debt letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am writing to dispute an unauthorized bank account listed under my name and Social Security number. According to 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), consumer reports may only be accessed for specific permissible purposes and with the consumer 's knowledge or consent. 
I did not open any bank account associated with JP Morgan Chase nor did I authorize XXXX XXXX XXXX or any affiliated financial institution to access or use my consumer information in connection with this account. This is a serious matter, as it may indicate identity theft or unauthorized use of my personal information.Because this inquiry was made without a permissible purpose as defined under federal law, I am requesting that you immediately remove any unauthorized accounts and related inquiries associated with my name. This is a private communication. I reserve all rights. This matter is being handled in good faith and under protest. No third party has my permission to use or share my private information without proper legal justification. If this dispute is not resolved within XXXX XXXX as required under the FCRA, I will pursue further action with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and may consider legal counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX SSN : * XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX TO : Portfolio Recovery Associates , LLC XXXX. XXXX XXXX XXXXXXXX XXXX  XXXX RE : Formal Demand for Immediate Deletion Accounts # XXXX and # XXXX Collection To Whom It May Concern, This letter serves as a final legal demand under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1692g, 1692e, 1692f, and 15 U.S.C. 1681i. 

I am demanding the immediate removal of the following unverified, inaccurate, and unlawfully reported accounts from all credit reporting agencies : Portfolio Recovery Account # XXXX {$2500.00} Collection Portfolio Recovery Account # XXXX {$730.00} Collection These accounts are being reported without proper legal validation. A final bill, summary, or internal data file is not sufficient under federal law and does not constitute validation. 

Per 15 U.S.C. 1692g, I am demanding the following : A copy of the original signed agreement with my wet signature A complete billing and payment history for each account A flow sheet showing the complete chain of assignment from the original creditor to Portfolio Recovery Associates A binding agreement or contract of sale giving you legal authority to collect Documentation of your active debt collection license in the state of XXXX  If you can not provide these items, your continued reporting and collection activity is a violation of : 15 U.S.C. 1692g ( b ) Failure to cease collection pending validation 15 U.S.C. 1692e ( 8 ) Reporting information known to be false or unverifiable 15 U.S.C. 1681i ( a ) Failure to conduct a lawful reinvestigation 15 U.S.C. 1692f Use of unfair, unconscionable, or deceptive practices You have XXXX calendar days from the date above to : Delete both accounts from XXXX XXXX XXXX XXXX Cease all collection and reporting activity Provide full documentation, including the flow sheet and binding agreement Failure to comply will result in the following actions without additional notice : Filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) Reporting to the Federal Trade Commission ( FTC ) Submitting a complaint to the XXXX  Attorney Generals Office Initiating civil litigation to pursue full legal remedies and monetary damages This is your FINAL WARNING. If you are unable to fully validate these accounts according to federal law, they must be deleted immediately. 

Govern yourselves accordingly. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: VA

Complaint narrative:
I was at a XXXX XXXX making a purchase when my Chime card declined for the first time. I logged into my Chime account and it was closed. I reached out to the toll free number to explain what happened. and needed them to fix the issue and they said they can't do anything about it. It was no reason they could provide for this closure of my account and then I was denied my balance that was in the account nearly {$4000.00}. This does not make any sense and I would like assistance in getting my money back. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
Sunrise Credit Services , Inc. placed an alleged debt of {$360.00} under account number XXXX. I did not recognize this account as valid, nor did I receive any services or goods in connection with this alleged obligation. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) and sent a formal written request for validation of the debt. 

Despite my good faith attempts, Sunrise Credit Services failed to provide any evidence, signed agreement, itemized billing statement, or sworn affidavit verifying that the debt was owed or that I had any legal obligation to pay it. 

My first validation letter was sent by certified mail on XX/XX/year>, and a second notice followed on XX/XX/year>. The company continued its collection efforts and reported the alleged debt to the credit bureaus, damaging my credit profile without furnishing proper validation or proof of claim. 

Dates : First contact from collector : XX/XX/year> First validation request sent : XX/XX/year> Second validation & affidavit request : XX/XX/year> Last activity : XX/XX/year> Amount involved : {$360.00} Account number : XXXX These actions violated my rights and caused harm to my credit standing. I am requesting that this matter be investigated and that the unverifiable and unlawfully reported account be removed from my credit report entirely.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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:
My family and I are in a process trying to buy a home, I ordered a copy my credit report only to find these companies reporting miss information on my credit. 

XXXX XXXX XXXX OPENED XX/XX/year> AMOUNT {$630.00} XXXX XXXX XXXXXXXX OPENED XX/XX/year> AMOUNT {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express, has been selectively, unfair in sooooo many ways of an established business they are trying to XXXX me into a hard credit pull. when, they announced, maybe, a hard pull for some.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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:
My family and I are in a process trying to buy a home, I ordered a copy my credit report only to find these companies reporting miss information on my credit. 

XXXX XXXX XXXX OPENED XX/XX/year> AMOUNT {$630.00} XXXX XXXX XXXXXXXX OPENED XX/XX/year> AMOUNT {$1300.00}

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 non-monetary relief
Consumer complaint received 2025-07-20 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: IA

Complaint narrative:
I am filing a consumer protection complaint against XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX , along with the credit bureaus ( Equifax, XXXX, and XXXX ) , for continued reporting and collection of an invalid debt. Despite several disputes and requests for validation and chain of title, these companies refuse to respond. This violates the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Iowa consumer protection laws.

I request your assistance in investigating this matter and ensuring the illegal reporting and collection activity stops immediately. I have documentation available upon request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: CA

Complaint narrative:
In XXXX, there were several high dollar charges on my TJX rewards XXXX through XXXX  XXXX. I filed a fraud claim the party that made those charges was in a different state than I am and also was able to have payment transferred directly from my checking account to the XXXX XXXX account to pay for the charges that were fraudulent. TJX rewards reversed the purchase charges on my account but never replaced the money they took directly out of my check account. They sent me a new card which I never even took off of the paper that it was attached to because I have no intention of ever using this card again however, there were 11 more fraudulent charges on this account. I filed another fraud claim. I have not heard anything back from XXXX XXXX, except for when they call me every single day to harass me about paying my bill. This bill is not mine. Those are not my charges. Im being harassed by XXXX XXXX  daily by multiple phone calls multiple text messages and through the mail, but those are not my charges. Theyre fraudulent charges and I believe that is somebody within their company that is doing it because they were able to actually process payments from my checking account and were able to continue with their fraudulent charges, even after they closed the first account and sent me a card for a new account which Ive never used. I feel I am not being heard or taken seriously when I talk to their fraud department and their collections department is harassing 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 2025-07-20 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: PA

Complaint narrative:
To resolve this identity theft issue in accordance with federal law, I am demanding the following : Permanent deletion of the fraudulent account : XXXX Account Number : XXXX Immediate blocking of all information related to this identity theft from my credit report, as required under 15 U.S.C. 1681c2, within 4 business days of receipt of this dispute and supporting documents.

A full reinvestigation, as mandated by 15 U.S.C. 1681i ( a ), and verification of any records or alleged authorizations. If no verifiable proof can be produced that I authorized this account, it must be permanently removed.

A corrected and updated copy of my credit report reflecting the deletion and blocking of the fraudulent entry.

Written confirmation of the action taken, including the deletion/blocking, and a list of all third parties who accessed my report during the time the fraudulent entry was present, so I may notify them as needed.

Failure to comply will result in the filing of additional complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX  ( XXXX  ) The State Attorney Generals Office Additionally, I reserve my right to pursue damages under FCRA 616, which provides up to {$1000.00} per violation, as well as recovery of attorneys fees and any other damages.

I have already provided the following : FTC Identity Theft Report Government-issued ID Social Security card Proof of current address You now have all necessary documentation. I expect immediate correction and a full response within the legally required timeframe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
b'On Sunday, XXXX XXXX XXXX, I went to the Bank of America ATM located at XXXX XXXX XXXX XXXX, MI. I used atm #XXXX XXXX.  The machined located on the far right side of the branch. I deposited XXXX in my checking account. I received a receipt for this transaction.  I immediately, attempted to withdraw XXXX from the same machine and same account. The atm stated for security reasons it  would keep my atm card and give me the funds. Instead, it dispersed my card and not the XXXX. I also did not  receive a receipt.  I immediately called Bank of America. Ive filed a dispute with Bank of America as well as the company that handles the ATM machine. My checking account statement is showing I withdrew XXXX from my checking account on XXXX, but I actually did not receive the cash. \n\nMy most current dispute letter which was sent on XXXX states there was no error and the funds were provided which is not true. I am requested the cameras to be checked as well as an audit on machine # XXXX XXXX. This would show I only made a deposit and did not receive my XXXX\n\nClaim # XXXX\nCompany phone #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 2025-07-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: CA

Complaint narrative:
To : Sallie Mae Billing Department Supervisor and All Relevant Parties Subject : Formal Dispute of Loan Repayment Terms and Request for Immediate Review Dear Sir or Madam, I am writing to formally EXPESS MY CONCERNS REGARDING formally dispute the current structure and handling of my loan repayment. After nearly three years of consistent monthly paymentstotaling approximately $ XXXXit has come to my attention that~ every dollar paid has been applied solely toward interest. To my dismay, THIS MEANS MY principal balance on my loan has not decreased NOR IMPROVED ; in fact, it has increased. This practice is not only unethical, but, in my view, constitutes predatory lending. 
I am demanding a comprehensive and transparent explanation of this situation REGARDING HOW MY PAYMENTS ARE BEING APPLIED. I have acted in good faith, making timely payments, and yet I see no meaningful progress toward resolving my debt WICH IS TROUBLING ME. This is unacceptable. 
I intend to continue making monthly payments, but I will be directing them exclusively toward the principal. I will structure these payments based on a plan that reflects my current financial SITUATION. Regardless of what is reflected in your system, I will keep thorough and accurate records of all payments made going forward. 
While I am actively pursuing refinancing options to escape this exploitative UNFAVORABLE and BORDERLINE ILLEGAL arrangement, I would still prefer to work directly with Sallie Mae to find an equitable and mutually beneficial resolution. However, my PRIOR attempts to communicate with your customer service representatives have been consistently met with resistance, unprofessionalism, and a complete lack of willingness to ASSIST. 
If this matter is not addressed promptly and fairly, I will have no choice but to escalate my concerns to the Consumer Financial Protection Bureau ( CFPB ), Federal Student Aid ( FSA ), and the Federal Trade Commission ( FTC ). In addition, I am prepared to PURSUING legal remedies as a last resort, including but not limited to filing a formal complaint with the Office of the Attorney General in my state, as well as seeking legal counsel regarding potential violations of the Truth in Lending Act and other applicable consumer protection laws. 

I am not seeking confrontation but resolution. However, I am fully prepared to take all appropriate legal and regulatory actions necessary to protect my rights IF REQUIRED. 
I strongly urge your office to take this letter seriously and respond with a good faith effort to resolve this matter. Any continued inaction or failure to acknowledge these concerns will be seen as willful negligence. 

Sincerely, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: PA

Complaint narrative:
To fully resolve this matter in compliance with federal law, I respectfully demand the following actions : Immediate and permanent deletion of all unauthorized inquiries and the fraudulent account listed below : XXXX XXXX Inquiry Date : XX/XX/year>XXXX XXXX XXXX Inquiry Date : XX/XX/year>XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/year>XXXX XXXX Account Number : XXXX Full blocking of identity theftrelated data from my credit file within 4 business days, as required by 15 U.S.C. 1681c2, based on the documentation already submitted, including my : FTC Identity Theft Report Government-issued photo ID Social Security card Proof of address Reinvestigation and verification of the entries in question, per 15 U.S.C. 1681i ( a ). If no clear, documented evidence of my authorization can be produced, the accounts and inquiries must be immediately removed.

Provide a corrected and updated credit report reflecting the deletions, and Send written confirmation of these deletions to me at my address on file.

If these requests are not fulfilled within the legal timeframe, I will proceed with additional complaints to : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX ( XXXX  ) The Attorney Generals Office in both your jurisdiction and mine Furthermore, I reserve the right to pursue legal action under FCRA 616, which allows for statutory damages of up to {$1000.00} per violation, including compensation for any actual damages and attorneys fees.

This is a second and final notice. I am the consumer, and I am directly exercising my rights. Please treat this matter with the seriousness it demands.

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