vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ascension Point Recovery Services, LLC
State: OH

Complaint narrative:
I am receiving excessive letters ( 12 in about a weeks time span ) from AscensionPoint Recovery Services regarding multiple credit card accounts that belonged to my deceased mother. I called twice to confirm a verbal settlement agreement on each account, and I am in the process of sending payment. Despite this, the letters do not reflect the agreed settlement amounts, and the frequency of the communication is overwhelming and stressful. I believe this violates the Fair Debt Collection Practices Act and request that the harassment stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: NC

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 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

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit 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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : XXXX - XXXX THDCBNA - XXXX MARINEFEDE - XXXX CAPITALONE - XXXX NMAC - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also 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 seven 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: CA

Complaint narrative:
I have discovered that my personal information was used without my authorization to open accounts and conduct transactions that I did not initiate. I strongly assert that these accounts and transactions are fraudulent, resulting from identity theft or fraud. Despite promptly reporting this issue to the appropriate authorities and the involved companies, the matter remains unresolved, and the fraudulent accounts and charges persist on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I settled my debt with portfolio and they agreed to a deletion of the collection account within XXXX  days. it has been almost 60 days since the date of payment and the account is still on my credit report on Transunion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Bank errors related to billing and reporting are negatively impacting my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately reflect payments and credits, but several issues have arisen : payments I made were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required 21-day notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law and unfairly harm my credit standing.

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 2025-04-17 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: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-17 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: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-17 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-04-17 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: Chime Financial Inc
State: CT

Complaint narrative:
I had lost my card. I was at work and later that day I realized I didn't have my card. I made sure my boss was aware of it since I called him later that day telling him that I had lost my card and I believe it was at work, no acknowledgment. I then began to see that things in my account were changed around and money was being taken. I wasn't able to log into my account because my bank locked my out leaving me to call them and ask them what's going on. Someone used my card to make multiple unauthorized fraudulent charges on multiple days. The investigation team did a horrible job. Refused to give me my money back, said they found no error. I filed a police report and XXXX still scared that I wont receive my money, I want my money back before the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: MO

Complaint narrative:
I did not apply for any credit, nor did I authorize anyone to run a credit check on my behalf. These inquiries are completely illegitimate, and their presence on my credit report is both inaccurate and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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:
Transunion, Experian, and Equifax are reporting inaccurate information on my credit profile. Instead of the bureaus removing the inaccurate information, they sent me a stall letter. Attached are the documents I sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: GA

Complaint narrative:
Transunion, Experian, and Equifax are reporting inaccurate information on my credit profile. Instead of the bureaus removing the inaccurate information, they sent me a stall letter. Attached are the documents I sent to them.

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 2025-04-17 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:
Good day! I'd like to let you know that there are items on my credit report that have resulted from fraud to which I never benefited from. I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated. Please prevent further harm and fraud to my personal information by having all these fraudulent transactions and account removed from my credit report. It would be a big help to lessen the tremendous XXXX  and stress it's causing me. Thank you.

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 2025-04-17 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: TX

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this as a follow-up to my previous CFPB complaint regarding XXXX false claim that my disputes were submitted by an unauthorized third party. Today, I received yet another stalling response from Experian. This time, they falsely claimed they could not process my dispute because I did not provide a sufficient explanation of why the item is inaccurate. That is flatly untrue. 

My disputes were detailed, clearly worded, and identified each tradeline with specific allegations. I challenged the accuracy of account statuses, dollar amounts, activity dates, dispute codes, and Metro 2 compliance failures. I requested deletion or full verification per FCRA 611 ( a ). Experian is now doubling down on dishonest tactics to avoid fulfilling their legal duty to investigate.

This latest excuse is a second, distinct violation of the Fair Credit Reporting Act. Experian is now using multiple false pretexts to delay or deny my disputesfirst claiming they were submitted by a XXXX  party, and now pretending the content was insufficient. Both claims are knowingly false and designed to suppress legitimate disputes. 

To make matters worse, Experian has already requested additional time from the CFPB to respond to my original complaint, another clear stall tactic. They dont need more time. Theyre already running out of time to comply with the XXXX-day reinvestigation window under FCRA 611 ( a ) ( 1 ) ( A ).

Experian is operating in willful bad faith. This is a clear pattern of obstruction, and it warrants enforcement action.

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 2025-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I submitted a complaint months ago about {$8900.00} in funds that PayPal was refusing to release saying that they had no access to them. PayPal told me to contact XXXX, the issuer of the coin ( XXXX  ) that I mistakenly sent to a PayPal owned wallet address, and they told me they can not revert the blockchain. Now, I can see the {$1.00} in XXXX ( XXXX ) I sent to the same wallet address I sent the {$8900.00} XXXX to on my Venmo XXXX. This means that my XXXX is also there, PayPal is just unwilling to show it on my screen or to extract it and send it back to my personal wallet. I have been prevented from being able to properly assure my taxes are paid on these funds and they have done nothing in order to remedy the situation, which would take 5 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: PA

Complaint narrative:
I am filing this complaint regarding repeated violations of Regulation E by Chime in response to fraudulent transactions that occurred on my Chime account on or around XX/XX/year>. The most serious unresolved transaction was a fraudulent ATM withdrawal for {$1000.00} that occurred in XXXXXXXX XXXX XXXX  while I was physically located in XXXX XXXX This transaction was reported to Chime immediately on XX/XX/year>, and I was issued dispute ticket number XXXX. To date, I have filed the same dispute with Chime at least XXXX times. Despite my consistent efforts to have the issue resolved, Chime has denied this specific claim XXXX times. Meanwhile, they have approved other fraudulent transactions from the same day and incident. This demonstrates inconsistent handling and suggests an inadequate investigation process. Chime 's actions appear to violate multiple provisions of Regulation E, including their obligation to conduct a timely and thorough investigation and issue provisional credit if needed. I believe Chime is intentionally dragging this process out in hopes that I will give up pursuing the matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: REMAX
State: VA

Complaint narrative:
XXXX XXXX, the listing agent for the bankruptcy sale of my home at XXXX XXXX XXXX XXXX, knowingly concealed material defects in the property by marking no latent defects on the MLS listing. She had received engineering reports, radon test results, and visual documentation of flooding, mold, and foundation failure but omitted this information from the public listing. This led to a mortgage-backed sale to XXXXXXXX XXXX XXXXXXXX for {$460000.00} that would likely not have been approved had the facts been disclosed. 

XXXX XXXX also engaged in abusive behavior during an open house on XX/XX/year>, calling me names in front of my daughter, disclosing my personal affairs to strangers, and posting photos of my private belongings online despite receiving a cease-and-desist letter. This conduct contributed to privacy violations, break-ins, and emotional trauma. Her actions not only affected the mortgage transaction but directly harmed me during an already vulnerable time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
I purchased this vehicle on XX/XX/XXXX, with a downpayment of {$9000.00}. Then on XX/XX/XXXX, XXXX of XXXX dealership located at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX forged my signature on a retail installment contract and extended service agreements with XXXX XXXX for a total sales price of {$41000.00} ( includes an Extended Service Agreement for {$4200.00} and XXXX XXXX XXXX XXXX for {$1600.00} ) for a XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX and submitted it to Truist Bank. I never authorized XXXX to submit any loan applications. 

On XX/XX/XXXX, I returned to the dealership to inquire about the XXXX  XXXX contract since XXXX XXXX confirmed that they did not have a record of it, give back the vehicle and receive a refund however XXXX refused. My daughter and I have been approached by XXXX  XXXX, XXXX XXXX, XXXX, with a settlement agreement that would absolve both the dealership and Truist of any wrongdoing, including that we sign NDAs/releases, withdraw complaints, return the vehicle, and transfer the vehicle title urging us to comply by XX/XX/XXXX. 

On XX/XX/XXXX, Truist informed me by phone that on XX/XX/XXXX, that XXXX stated that I signed the contracts. However, we have been reporting this as fraud through multiple phone conversations with Truist and certified mail. 

It is my understanding that fraud/forgery is a crime, a violation of the Penal Code. I seek your guidance and assistance in ensuring that my rights are protected and holding the responsible parties accountable for their actions. Please let me know if any further information or documentation is required to support and resolve this issue. 

Thank you for your time and consideration.

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