vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BlueChip Financial
State: TX

Complaint narrative:
I could not find an adequate dropdown item. This company is trying to collect on an illegal loan from an unlicensed lender, XXXX, in Texas. They also sent a text message without identifying who the debt was for. They tried to get me to sign up for an account first before I could even see what the debt was or for how much. I was only able to get a validation after I told them I refused to sign any agreement. I also told them to cease contact with me and the loan was illegal in Texas.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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:
This is my formal complaint against EQUIFAX for its failure to comply with the Fair Credit Reporting Act ( FCRA ), particularly its obligation under 15 U.S. Code 1681i to investigate and respond to consumer disputes in a timely and meaningful manner. On XX/XX/year>, I submitted a written dispute along with an identity theft report ( Report XXXX. XXXX ), detailing multiple fraudulent accounts that had been falsely reported on my credit file. Despite this submission, EQUIFAX has continued to report these unauthorized accounts without conducting a proper reinvestigation or correcting the false data, which constitutes a clear violation of my consumer rights under federal law. 

EQUIFAXs continued reporting of these fraudulent accounts has caused significant harm to my credit profile and reflects a lack of due diligence in ensuring the accuracy of consumer information. As a credit reporting agency, EQUIFAX has a legal duty to protect consumers from identity theft and to provide accurate and verifiable information. Its failure to act on my dispute and identity theft documentation demonstrates a pattern of negligence that must be corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 explanation
Consumer complaint received 2025-07-02 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$7200.00} INQUIRIES : XXXX XXXX  Date XXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX  Date : XX/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 2025-07-02 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: TN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Equifax Information Services XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$470.00} XXXX - Account Number : XXXX * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$810.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX  XXXX BANK XXXX Date : XX/XX/XXXX XXXX XXXX SERVI Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX T Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  CREDIT UNIO Date : XX/XX/XXXX XXXX XXXX GROUP Date : XX/XX/XXXX XXXX  XXXX BANK XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: TX

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-03 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:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: CBC Companies, Inc.
State: NC

Complaint narrative:
I have previously disputed with TransUnion, Experian and Equifax regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I've been banking with Santander XXXX  for over 7 years. They have the same issue for years now, when their system somehow deletes my phone number and makes me unable to use XXXX. Every other month I have to call them and ask them to add my phone number to their system. 
I am not sure why they can not fix it. But now they won't even allow me to do it over the phone. They tell me to visit their local branch. Which closes at XXXX every day and I work during these hours.

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 2025-07-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I found earrings online on XX/XX/XXXX from XXXX XXXX. The cost came out to {$2500.00}, so after talking to my wife and see if she thinks the site is good since I am born and raise in XXXX and she is an American, she said it should be good since Affirm put their name behind them and she used Affirm a lot before. I completed the process and bought the earrings. The next day I got cold feet and called to cancel the order, I first called XXXX XXXX and they said they can not cancel the order but their return policy is great. I then called Affirm and asked them if I can cancel the order and they also told me I can not and have to get with the Vendor. So I told my wife we will just see how they look and maybe they are good and if we get them appraised and it checks out we will keep them. The earing finally arrived and when I looked at them they had a noticeable yellow tint to them, and I order them the same clarity as my wife 's wedding ring. So I told her, we will just package this up and send it back right away for a refund. Everything was good with XXXX XXXX and they said they received the earing and is looking at them and they will process the refund in a couple weeks. So after a couple weeks I called them again and they said everything is good and they have inspected the earrings and they are at accounting now, and accounting is very busy. This was going back and forth for a while until I got nervous because they keep saying the refund will be processed. So I called Affirm and opened a dispute with them. After going back and forth multiple time with Affirm they keep closing the dispute in favor of XXXX XXXX because XXXX XXXX claims the XXXX was tampered with. I told Affirm since they are a XXXX card company why would they just go of the word of the vendor, and I asked them where is the evidence that XXXX XXXX sent me saying I returned a broken product. I also asked if this was true why do XXXX XXXX still have the earrings in their possession. 

I then filed a complaint with the Better Business Bureau and they finally got XXXX XXXX to return the product they claim was tampered with. I told the BBB I didn't want to product but this just show how dishonest they are if they kept the product since I sent the return and I never missed a payment. That was settled on XX/XX/XXXX and it shows again how dishonest XXXX XXXX are since they still have not send anything back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: DISCOVER BANK
State: NJ

Complaint narrative:
I have disputed several accounts on my credit reports with XXXX XXXX, and XXXX Despite submitting formal disputes and legal documentation, the bureaus have failed to verify the accounts or remove inaccurate and damaging information. The disputed accounts include, but are not limited to : - Discover ( Acct # XXXX ) : Reported as a charge-off without proper validation. XXXX XXXX XXXX ( Acct # XXXX ) : Charge-off with inaccurate balance and status.- XXXX XXXX XXXX ( Acct XXXX XXXX ) : Duplicate and conflicting repossession entries.- XXXX XXXX ( Various ) : Late payments after account settlement.- IXXXX XXXX/ XXXX ( Acct # XXXX ) : Collection account reported without proof or notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bofa decided to close my account for no reason and now They are not letting me to withdraw the remaining funds a debt that's my money and I dont owe the bank any thing. Why should they hold my funds until they decide to release my money?

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 monetary relief
Consumer complaint received 2025-07-02 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: AZ

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: NJ

Complaint narrative:
This is now the second time Ive had to dispute an error that Equifax refuses to correct. My XXXX XXXX XXXX BANK account is being reported as " pay as agreed, '' yet the payment history falsely shows a XXXXday late payment for XX/XX/year>. That contradiction alone proves something is wrong with the way this account is being reported. I have never been late on this account, and I take my financial obligations seriously. This false mark is damaging and completely unjustified. Equifax is violating XXXX USC XXXX ( b ), which requires them to maintain the maximum possible accuracy in credit reporting. They are also violating my privacy rights under XXXX USC XXXX ( XXXX ) by sharing incorrect information that impacts my creditworthiness. I have already reviewed all of my records, consulted legal counsel, and submitted a prior dispute, which Equifax ignored without providing any explanation or verification. Continued failure to fix this issue will be treated as negligent and willful noncompliance under XXXX USC XXXX and XXXX. This false late mark is hurting my ability to access credit and housing. I am demanding immediate correction of the payment history to accurately reflect my on-time payment behavior. Equifax must fix this now and stop allowing conflicting and harmful information to remain on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I received emails saying that a card was opened and a payment for {$240.00} dollars was due. It looks like the card was opened in a different name, but it came to my email address.

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 2025-07-02 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX  XXXX XXXX LA XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/year>, Balance : {$2300.00}

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 2025-07-02 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: MD

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$560.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: WI

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-07-02 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: WA

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 2025-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Virtual Assets, LLC
State: CA

Complaint narrative:
I deposited cash using the XXXXeload barcode provided by Crypto Dispensers ( https : //app.cryptodispensers.com ) on XX/XX/2025. 

After the deposit, my I have not received either XXXX or a refund. They have my money, as well as hundreds of other victims. They refuse to process my bitcoin transfer to my cryptocurrency wallet. 

I contacted their support team several times with no response. Many others report identical issues on their XXXX XXXX XXXX XXXX XXXX XXXX They took my money and ghosted me. 
Still locked out and cant get my {$300.00} back. 

I am requesting an investigation and enforcement action.

Company response to consumer: Closed with explanation