vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 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: FL

Complaint narrative:
On XX/XX/scrub>XXXX I had received money from a family member as a XXXX/get a new car gift. The amount that was sent was {$20000.00}. I made 2 transactions and then my account was closed right away. Very confused, I gave them a call and the representative told me that he cant access the system to check the progress of an issued refund check ( the rep told me that a check is supposed to be mailed ). 

It has been over 2 months and still no notice or tracking of that check. I gave them an additional call, and again the rep told me they cant access the system. Ive had chime for 7 years and this is the first time this has ever happened to me. I looked up any instances of this in the past, and many people have said that they had to file claims or take further legal action to get the money owed to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :

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 2025-11-28 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: NJ

Complaint narrative:
Upon reviewing my credit report, I have identified the following item ( s ) that are incorrect : XXXX  XXXX ACCOUNT NUMBER XXXX Reported 30 days late in XXXX XXXX XXXX XXXX 60 DAYS LATE XX/XX/ and 90 DAYS LATE XX/XX/. These late payments are inaccurate and unverified. Please conduct a full reinvestigation and delete or correct the late payment history.

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 2025-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NEW YORK COMMUNITY BANCORP INC
State: NJ

Complaint narrative:
On XX/XX/year>XXXX  there was a fraudulent charge on my checking account at XXXX. I visited two branches and have called the fraud customer service department. The branch manager are very dismissive and refuse to process the claim as a Regulation E fraud claim. The charge was an ACH debit which appeared to come from XXXX. The claim was a fraud and they told me that it was my responsibility to contact the other institution where the money was drafted. I don't believe this is the proper procedure. However, I did contact the other institution and confirmed that money was never drafted by them. Despite numerous requests to file a " Regulation E Fraud '' claim, they would not honor my request and just kept telling me that this was a " merchant dispute claim. '' I believe my rights are being violated and I'm trying to escalate this to a higher authority. I have also submitted a police report at my local police station.

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 2025-11-28 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:
I am requesting the deletion of inaccurate and outdated personal identifiers that Experian is currently reporting. These items do not reflect my current information and must be removed under the FCRAs accuracy requirements. 
REMOVE THE FOLLOWING INCORRECT / OLD ADDRESSES : 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  Old variations of XXXX XXXX XXXX, XXXX XXXX, NJ REMOVE THE FOLLOWING INCORRECT / OLD EMPLOYERS : XXXX XXXX XXXX KEEP ONLY MY CURRENT INFORMATION : Current Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Please process this request and send me an updated copy of my Experian credit file

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 2025-11-28 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: NC

Complaint narrative:
I am an individual consumer working to rebuild my credit. I have reviewed my credit reports and found several accounts and inquiries that appear inaccurate, incomplete, or incorrectly reported. I am filing this complaint so that the Consumer Financial Protection Bureau can assist in having these issues investigated by the credit reporting agencies under the Fair Credit Reporting Act ( FCRA ). 
Charged-Off Accounts Under Dispute Equifax is currently showing charged-off accounts that are not matching the other bureaus, or are missing. I request Equifax to verify any charged-off accounts being reported on my file and provide documentation. If no verification can be provided, the accounts should be removed. 

Inquiries Under Dispute I do not recognize the following Equifax inquiries : XXXX XX/XX/25 XXXX XX/XX/25 I request verification showing these were authorized by me. If they can not be validated, I request they be removed. 

Late Payments Under Dispute I dispute the following late payment : XXXX XXXX XXXX XXXX XXXX XXXX I request Equifax to verify this late payment with documentation from the creditor, and remove it if it can not be proven accurate. 

I ask Equifax to investigate all items and correct or delete anything that is inaccurate or unverified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: FL

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-11-28 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:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
( Email Sent to the Bank on XXXXXXXX  ) Dear Truist Executive Leadership, I am writing to formally express my deep concern and dissatisfaction regarding the recent handling of a business account I opened with Truist Bank. 

On XX/XX/year>, I opened a small business account at Truist using an {$850.00} check issued by XXXX XXXX XXXX XXXX, a company with whom I have maintained a positive and professional relationship for several years. To my surprise and confusion, I discovered the very next day that the account had been immediately closed and placed under investigation for possible check fraud, without any clear explanation or prior notice. 

Seeking clarification, I visited the XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, MD XXXX, on XX/XX/year>. During this visit, I met with XXXX XXXX XXXX, who kindly contacted a representative from the fraud prevention department. I answered all questions presented to me during that call, hoping to assist in resolving whatever concerns may have triggered the investigation. 

However, since that interaction, I have not received any follow-up communication or substantive explanation regarding the matter. I was merely informed that the account was closed and that the {$850.00} deposited would not be released to me. This lack of transparency, communication, and access to my funds is not only deeply frustrating but also highly concerning from a customer service and legal standpoint. 

I respectfully request the following : A clear and detailed explanation for the account closure and the allegations of fraud. 

Immediate release of the {$850.00} deposited, or a justified legal reason for its continued withholding.

Written confirmation of the investigations findings and any relevant documentation regarding the closure. 

I have chosen to bring my business to Truist with the expectation of professionalism, integrity, and customer service. I trust you will treat this matter with the urgency and seriousness it deserves. 

Please contact me directly at XXXX or XXXX to resolve this issue as soon as possible. 

Sincerely, 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 2025-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fig Tech Inc.
State: TX

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Recovery Solutions LLC
State: MO

Complaint narrative:
This company has been calling nonstop, multiple times a day. Just today ( XX/XX/year> ), they have called 3 times. I have spoken to someone every time. Before this, I have been receiving 3-6 calls a day on week days. The same message is left every time. When I do answer, there is nothing for 10-15 seconds and then a recorded message saying what is left on the voicemail and to press one for a live agent. I have asked them to stop calling and they flat out said no.

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 2025-11-28 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-28 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: GA

Complaint narrative:
I am requesting TransUnion to investigate items on my report that appear inaccurate or can not be validated. 

Charged-Off Accounts Under Dispute XXXX XXXX XXXX  {$0.00} ( XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$14000.00} ( XX/XX/XXXX ) XXXX XXXXXXXX {$4500.00} ( XX/XX/XXXX ) I dispute the accuracy, balance, dates, and reporting of these accounts. Please verify with the original creditors. 

Bankruptcy Under Dispute Bankruptcy XXXX Reported XX/XX/XXXXXXXX  Please verify directly with the court and provide confirmation of accuracy. 

Hard Inquiries Under Dispute I do not recognize or did not authorize the following : 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 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 XXXXXX/XX/XXXX ) Please remove all inquiries that can not be verified as initiated by me. 

Late Payments Under Dispute I dispute the following late payment notations : XXXX XXXX ( two entries ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request verification of each late payment using actual payment records.

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 2025-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I deposited a check XX/XX/XXXX for XXXX said itll be on a hold for 2 days then locked my account without notifying me for a week then I called to see why its happening they couldnt give me a reason a week later I went to the bank the check still on hold still couldnt give me a reason why said that they would send a letter and moved the hold to XX/XX/XXXX between the XXXX, and the XXXX Ive been to the bank 3 times and called 3 times and still could not give me a reason now I finally got a letter saying one thing then I went to the bank and changed the reason now its saying itll take till XX/XX/XXXX so unprofessional for my check be on a hold for 3 months I want this fixed now

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I have held an American Express credit card since XXXX. Over the past 12 months, I have experienced financial hardship due to my fathers passing and related medical expenses. 

As my credit card balance increased, I proactively contacted American Express, explained my situation, and enrolled in a financial relief program with fixed monthly payments starting in XX/XX/XXXX. In XXXX, the bank account I used for autodebit did not have sufficient funds, and the payment was returned. 

As soon as I became aware of this, I made the XXXX payment from another bank account to stay current under the relief program. Despite this, American Express placed a hold on my credit card and has kept it blocked. 

I have contacted customer service multiple times, but representatives have told me that their system process prevents them from lifting the hold, even though the payment has been made and I am complying with the program terms. 

I am requesting that American Express review my account, recognize that I acted promptly to correct the failed payment, and remove the hold on my card so I can use it again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: IL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : 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 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 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : 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 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 2025-11-28 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
Complaint Against XXXX XXXX XXXX XXXX XXXX and Cavalry SPV I , LLC Regarding an Unverified/Invalid Debt and Improper Collection Practices I am filing this complaint because XXXX XXXX XXXX XXXX XXXX ( collecting on behalf of Cavalry SPV I , LLC, assignee of XXXX XXXX XXXX XXXX XXXX is attempting to collect a debt that has not been properly validated and is being reported inaccurately on my credit report. 

On XX/XX/year>, I sent XXXX XXXX XXXX a formal Debt Validation Request pursuant to the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ). I requested : A copy of the original contract or agreement with my signature A complete itemized statement showing how the balance was calculated Proof of their legal right to collect, including chain of assignment Identification of the original creditor and account opening date Confirmation that the debt is within the statute of limitations in my state Instead of providing the legally required validation, the collector attempted to demand excessive documents, including a Social Security card and unrelated personal documents, even though this is not an identity theft dispute. These items are not required under FDCPA or FCRA for a basic validation request. 

To date, XXXX XXXX XXXX has failed to provide proper validation, yet continues to attempt collection on the alleged debt. This violates : FDCPA 1692g ( b ) : collection activity must stop until the debt is validated FCRA 623 : furnishers may not report inaccurate or unverified information Cavalry SPV I , LLC and XXXX XXXX XXXX are both reporting or attempting to collect an unverified and potentially inaccurate debt. They have not met their legal obligation to validate the account. 

I am requesting the CFPB to : 1. Require XXXX XXXX XXXX and Cavalry SPV I , LLC to provide full, lawful validation of the debt ; 2. Require them to cease all collection activity until validation is completed ; 3. Remove the account from my credit reports if they can not validate the debt ; 4. Investigate their practice of requesting unnecessary sensitive personal documents ; 5. Ensure compliance with all provisions of the FDCPA and FCRA. 

I am attaching : A copy of the letter I sent requesting validation The letter they sent demanding unnecessary documents A credit report excerpt showing the account Proof of mailing I am requesting full review and corrective action. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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:
I applied for a mortgage loan and leaned of the negative items.

Company response to consumer: Closed with explanation