vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 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: LA

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 2025-11-05 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: CA

Complaint narrative:
Please analyze the documentation ; these inquiries showed up unexpectedly and may lack authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: CA

Complaint narrative:
Please assess the provided information ; these inquiries came without advance warning and might not be verified.

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 2025-11-05 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: FL

Complaint narrative:
Applications were made in my name, and I do not recognize or authorize these inquiries. These fraudulent inquiries have resulted in my credit report being accessed by companies without my consent, which has negatively affected my credit score. I previously contacted the credit bureau, and a representative assured me these inquiries would be deleted, yet they still appear on my report. This ongoing issue is causing me unnecessary stress and frustration.

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 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX XX/XX/year> Via Certified Mail, Return Receipt Requested Lockhart , Morris & Montgomery XXXXXXXX XXXX XXXX [ XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX ] RE : Cease and Desist Notice Pursuant to 15 U.S.C. 1692c Demand to Cease Communication To Whom It May Concern : This letter serves as a formal notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), that you are to cease all communication with me, whether by telephone, email, mail, or any other method, regarding any alleged debt that you claim I owe. 

Under 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing that they refuse to pay a debt or that they wish the collector to cease further communication, the collector must not communicate with the consumer except to : 1. Advise that further efforts are being terminated ; 2. Notify that specific remedies may be invoked ; or 3. Notify that the collector intends to invoke a specific remedy. I hereby exercise my right u
nder this federal law and demand that you immediately stop contacting me about any alleged debt. Any further contact from your company, other than the limited exceptions provided by law, will be considered a direct violation of the FDCPA, and I will not hesitate to report such violations to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. 

Please note that this letter is not an acknowledgment or validation of any alleged debt, and should not be interpreted as such. I dispute any and all alleged debts you claim to be associated with my name or information. 

I expect written confirmation that you have received and honored this cease and desist request. Please govern yourselves accordingly. 

Sincerely, XXXX 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 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
Hello, I transferred funds from my XXXX XXXX XXXX account in the amount of XXXX and received 3 emails which I attached showing chime received my deposit, returned it and then received my deposit again. They are saying my name wasn't on there so I called XXXX  and did a conference call. XXXX XXXX XXXXXXXX explained to chime the use account numbers for security and verified everything while I was on the phone. At this point chime is saying it will go to back office, then says it's being returned but I have no email of that. The last email says it's in my deposit account. This feels like theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: MD

Complaint narrative:
My credit report lists collection accounts that I believe contain inaccurate information. Under my rights provided by 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these accounts, 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 2025-11-05 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: NY

Complaint narrative:
I am writing to formally dispute the presence of an account on my credit report that was opened without my knowledge or consent. This account reflects unauthorized and fraudulent use of my personal information, and I want to make it unequivocally clear that I did not initiate or authorize this account in any way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as pr

escribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 2. The photo identification I must have provided at the time of starting services with you in order for you to assure that
this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank recently changed customer login information on their website. As a result, I have been locked out of my account. I contacted customer service to regain access, but I realized I could not verify my account because I never received my initial card. 

During my call, I was informed that verification requires the account number that is printed on the card and they can not provide me the account number over the phone. It was also expressed that I needed a new card since I didnt have the old one. I explained that I had a change of address and requested that a new card be shipped so I could access my online account. The new card was shipped on XX/XX/XXXX, but I never received it. 

When I called customer service again on XX/XX/XXXX, I was told that there had been an internal error and that another card would need to be sent, which would take an additional seven to ten business days. I asked for the card to be expedited due to the problem being an error on the companys behalf. The representative stated that the company will not expedite my card. Despite this situation, the representative attempted to process a payment during the call, even though I have no access to my account. 

I am requesting that this issue be corrected promptly and that I be provided access to my account as soon as 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 2025-11-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC
State: NY

Complaint narrative:
My mortgage loan with Selene XXXX  XXXX social security number is XXXX please let Selenae XXXX  know that im interested in the forbearance modification by putting back my past due payments and to send out modification package so that I can sign and mailed back i attened to keep the property

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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 disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX, XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Subject : Formal Request for Deletion of Collection Account Due to Severe Metro 2 & FCRA Reporting Violations Account Number : XXXXXXXX XXXX XXXX Account Name : XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) Dear TransUnion LLC Consumer Dispute Center I am writing to formally dispute the accuracy and compliance of the above-referenced collection account as it appears on my credit report. Upon review, I have identified multiple severe violations of Metro 2 reporting standards and FCRA 623 ( a ) ( 1 ) ( A ), which require furnishers to report accurate and complete information.

Specifically, the following key fields are inaccurately reported, resulting in misleading, obsolete, and incomplete information on my credit file : Date Opened ( DOFD ) : The reported date, XXXX, is a future date, which is an impossibility and an egregious violation of Metro 2 reporting standards.

Date Reported : The reported date, XXXX, is also a future date, rendering the entire entry inaccurate and unverifiable.

Account Status/Payment Rating : The " Derogatory '' status can not be validly reported when the foundational date information is incorrect and violates Metro 2 code segments used to determine account status and delinquency.

These reporting errors result in misleading, obsolete, or incomplete information on my credit file.

Under FCRA 611 ( a ), I am demanding that you conduct a proper reinvestigation and either correct the reporting of this account to be 100 % accurate and verifiable, or delete it entirely from my credit file immediately. The current reporting constitutes a complete failure to report data according to Metro 2 standards, or to maintain accurate records after notice.

Please provide me with written confirmation of the deletion or correction within 30 days of receipt of this letter, as required by 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 non-monetary relief
Consumer complaint received 2025-11-05 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: NY

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
On XX/XX/year>, I made a purchase from XXXX totaling {$1500.00} USD using my American Express card. The order was supposed to arrive by XX/XX/year>, but I never received the package. The USPS tracking information shows three separate delivery scans within a 30-minute window for the same tracking number, which makes no sense and strongly suggests a delivery or scanning error. 

I filed a dispute with American Express on XX/XX/year>, but it was denied on XX/XX/year> without a formal investigation. I submitted a reappeal on XX/XX/year>, which was again denied the same day within only a few hours. No evidence of a proper investigation was provided, and no photo proof or recipient signature exists to confirm delivery. 

XXXX provided minimal assistance and refused to help further, stating they would not assist because I had initiated a chargeback. As a result, I am left without the product or refund for {$1500.00}. 

I am requesting that the CFPB require American Express to reopen this dispute and conduct a proper investigation under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and ensure XXXX provides verifiable delivery proof or a full refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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 don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: WEBULL PAY HOLDINGS (US) INC
State: VA

Complaint narrative:
Subject : Complaint Regarding Unreasonable 60-Day Hold on Personal Funds by Webull Pay Description of the Issue : On XX/XX/year>, I deposited {$25000.00} ( XX/XX/XXXX Dollars ) into my Webull Pay account with the intent to purchase ETH cryptocurrency. However, on XX/XX/year>, I decided not to proceed with the purchase and submitted a withdrawal request for the same amount.

To my surprise, Webull denied the withdrawal request, citing an internal policy that restricts the withdrawal of " new deposits '' for 60 days. I was informed that I will not be able to submit a new withdrawal request until XX/XX/year>. 

This policy is unreasonable and unacceptable. The funds in question belong to me, and Webulls refusal to allow me to withdraw my own money while continuing to hold and profit from it is both unfair and unethical.

Webulls justification that this policy exists for " security reasons '' does not hold merit, as the company already possesses all necessary verification mechanisms to authenticate account ownership and transaction legitimacy. Holding customer funds under the pretense of security, without any substantiated risk, effectively deprives consumers of access to their own money.

Summary : Webull Pay is effectively restricting access to my own deposited funds for 60 days without just cause. This practice is exploitative and must be stopped to prevent similar inconvenience or financial impact on other consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation