vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 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: FL

Complaint narrative:
I am writing to dispute the following accounts that are currently reported on my credit file. I believe that the accounts listed below contain inaccurate or incomplete information, and I respectfully request that the credit bureaus investigate and correct these discrepancies. 

Charged Off Accounts : XXXX XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$9200.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$310.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$100.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$6600.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries : XXXX XXXX  XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXXXXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX Late Payments : XXXX - Account Number : XXXX XXXX  - Account Number : XXXX XXXX  - Account Number : 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 2025-12-16 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Date Bill Payment by Macy 's deducted to my bank account directly even I paid the balance in full. 
XX/XX/XXXX Macys Bill payment {$27.00} XX/XX/XXXX Bill payment {$27.00} XX/XX/XXXX Bill payment {$27.00} XX/XX/XXXX Bill payment {$27.00} XX/XX/XXXX Bill payment {$27.00} XX/XX/XXXX Bill payment {$28.00} XX/XX/XXXX Bill payment {$29.00} XX/XX/XXXX Bill payment {$29.00} XX/XX/XXXX Bill payment {$29.00} XX/XX/XXXX Bill payment {$29.00} XX/XX/XXXX Bill payment {$29.00} XX/XX/XXXX Bill payment {$29.00} XX/XX/XXXX Bill payment {$29.00} XX/XX/XXXX Bill payment {$29.00} XX/XX/XXXX Bill payment {$29.00} XX/XX/XXXX Bill payment {$29.00} XX/XX/XXXX Bill payment {$29.00} XX/XX/XXXX Bill payment {$29.00} XX/XX/XXXX Bill payment {$27.00} XX/XX/XXXX Bill payment {$29.00} XX/XX/XXXX Bill payment {$29.00} XX/XX/XXXX Bill payment {$29.00} XX/XX/XXXX Bill payment {$29.00} XX/XX/XXXX Bill payment {$29.00} XX/XX/XXXX Bill payment {$29.00} XX/XX/XXXX Bill Payment {$29.00} Total {$740.00} Need to be refunded to me of all the incorrect Fees.

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 2025-12-16 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: GA

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 2025-12-16 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Ava Finance, Inc
State: WA

Complaint narrative:
This is regarding an order from Ava Finance on XX/XX/25 for {$70.00} under email XXXX This company is fraudulent, and I did not authorize this purchase. 

Even though I've tried to resolve it with them, they refuse to do anything. 

I've contacted them many times. I demand a full refund immediately. 

They are a predatory company that should be shut down for misleading and unethical business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
THE REPORTING AGENCY HAS FAILED TO PROVIDE THE REQUIRED METHOD OF VERIFICATION AND HAS REFUSED TO DISCLOSE THE SPECIFIC SOURCES OR DOCUMENTATION USED TO VERIFY THE DISPUTED INFORMATION, IN DIRECT VIOLATION OF 15 U.S.C. 1681I ( A ) ( 6 ) ( B ) ( III ). THIS FAILURE DENIES ME MY STATUTORY RIGHT TO UNDERSTAND HOW AND FROM WHOM THE DATA WAS VERIFIED. INSTEAD OF PROVIDING ANY SUBSTANTIVE PROOF OR AUTHENTIC RECORDS, THE AGENCY MERELY RE-STATED THE SAME INFORMATION THAT WAS ALREADY IN DISPUTE AN ACTION THAT DOES NOT CONSTITUTE A VALID OR LAWFUL REINVESTIGATION. 

THIS BEHAVIOR SHOWS A CLEAR PATTERN OF PROCEDURAL MISCONDUCT AND NONCOMPLIANCE WITH FEDERAL INVESTIGATION STANDARDS. THE AGENCYS ACTIONS INDICATE EITHER A TOTAL ABSENCE OF PROOF OR AN INTENTIONAL REFUSAL TO DISCLOSE SUCH PROOF, BOTH OF WHICH VIOLATE THE FCRAS REQUIREMENTS FOR TRANSPARENCY, ACCOUNTABILITY, AND DUE PROCESS.

FURTHERMORE, THE AGENCY IGNORED MY CONSUMER STATEMENT AND FAILED TO INCLUDE IT IN THE FILE OR REPORTS PROVIDED TO THIRD PARTIES, AS REQUIRED BY 15 U.S.C. 1681I ( B ). THIS DENIES ME THE RIGHT TO HAVE MY DISPUTE FAIRLY REPRESENTED AND FURTHER DEMONSTRATES DISREGARD FOR CONSUMER PROTECTION OBLIGATIONS.

THE FAILURE TO PROVIDE THE METHOD OF VERIFICATION, TO DISCLOSE ORIGINAL SOURCE DATA, AND TO INCLUDE MY CONSUMER STATEMENT IS A SYSTEMIC BREACH OF DUTY THAT UNDERMINES THE CREDIBILITY AND INTEGRITY OF THE ENTIRE REPORTING PROCESS.

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 2025-12-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute an unauthorized and fraudulent credit inquiry that appears on my credit report. I want to make it absolutely clear I never gave this company any form of consent, written or verbal, to access my credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, no company has the legal right to pull my credit report without a permissible purpose. This inquiry was made without my authorization, which is a direct violation of federal law.

Not only does this harm my privacy, but it also has the potential to negatively impact my credit score and my overall financial standing. I am fully aware that each inquiry must have a legitimate, verifiable, and documented reason for being conducted, and this company has none. If the bureau or the creditor can not produce a signed, verifiable document showing I gave permission for this inquiry, it must be deleted immediately.

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 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My name is XXXX XXXX. XXXX filing a complaint against Chase JP MORAN bank. On XX/XX/year>, around XXXX CT, I tried to put gas in my vehicle only to find out my card was declined. I called Chase bank shortly after and was left with no answer. I called back on XX/XX/year> and was told my account was restricted with no known reason. I called again to speak to someone else and was told my account was being closed with no known reason. I kept hanging up and calling back to speak to different representatives about this problem to hopefully get my account back. after about XXXX tries i decided to head over to the chase bank : XXXX XXXX XXXX XXXX XXXX, TX XXXX United States They essentially told me the same thing. I now have to wait XXXX business days for my account to close forcefully, then get the remaining balance. I was adamant about the fact that i still have bills to pay, i have a XXXX  to support and we have to eat. this is the only account i have, i can not take out money or purchase anything. They said it wasnt their problem or responsibility since its a personal issue. I can not wait XXXX days. i was given NO notices, no calls or emails. I tried changing my address on the phone with the Chase representatives and was told to call back in XXXX business days to verify. i no longer live at the address on file so i might not even get my remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Property Receivables, Corp
State: AZ

Complaint narrative:
Property Receivables Corp. is attempting to collect a rental debt without providing legally required validation under FDCPA 1692g ( b ). I requested full validation, including proof of their legal right to collect, a complete itemized ledger, contractual authority for added fees, and explanation for repeated balance increases. 

Instead of providing these documents, they repeatedly re-sent the same lease, addendums, and a damages list I already had, while falsely stating in writing that this met validation requirements. 

The balance on the account has been increased multiple times without explanation ( {$8700.00} {$9000.00} ), which appears inaccurate and deceptive. 

I also sent a written cease-communication request, yet the company continued calling me and contacted other leaseholders, in violation of FDCPA 1692c ( c ) and 1692c ( b ).

Additionally, credit reporting is inconsistent and appears only on XXXX, raising concerns under FCRA 623. 

Management at the original property acknowledged ongoing XXXX and cigarette smoke violations in writing, indicating habitability issues and constructive eviction, which further undermines the validity of the alleged debt. 

I am requesting an investigation, correction of inaccurate reporting, and deletion of the tradeline unless the company can fully validate the debt and justify all balance increases.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I am submitting this complaint to formally request the immediate blocking and deletion of fraudulent information currently appearing on my credit report, in accordance with 15 U.S.C. Section 1681c-2 of the Fair Credit Reporting Act ( FCRA ).

Despite multiple prior disputes and the supporting documentation already provided, this account continues to be reported, which constitutes a violation of federal law. 
Enclosed is a copy of my Identity Theft Report issued by the Federal Trade Commission ( FTC Report Number : XXXX ) as evidence of identity theft. 
Pursuant to 15 U.S.C. Section 1681c-2, once an identity theft report is received, a credit reporting agency is required to block the disputed information within four ( 4 ) business days. This obligation has not been met. 
The account that must be blocked and removed immediately is : XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX - XXXX This account does not belong to me and is the direct result of identity theft. Other credit reporting agencies have already deleted this account after being unable to verify its legitimacy. Additionally, the furnisher has failed to provide any signed agreement or verifiable documentation for more than 60 days, confirming that this account can not be validated. 
Nevertheless, TRANSUNION continues to report this account, knowingly allowing inaccurate and harmful information to remain on my credit file. 
This ongoing failure to remove the fraudulent account has resulted in significant financial and personal harm, including credit denials and the inability to pursue essential financial goals such as home ownership. 
I respectfully request that the Consumer Financial Protection Bureau review this matter and ensure compliance with federal law by requiring that this fraudulent account be blocked or removed immediately, and that confirmation of such action be provided.

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 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am submitting a formal complaint regarding Fifth Third Banks handling of a business account night deposit and the unexplained debit of funds from my account. 

On XXXX night, XX/XX/year>, I deposited {$37000.00} using the night depository at the Fifth Third Bank branch located in XXXX, Michigan. The receipt provided to me was dated XX/XX/year>, and showed {$37000.00} credited. 

Afterward, I was told my deposit was allegedly short by {$4200.00}. Despite providing video proof from my business surveillance system and requesting the banks footage, I was denied access to the evidence. The branch Nearly XXXX months later, I discovered that {$4200.00} had been debited without notification or authorization, through reconciliation documents related to my XXXX XXXX business account. 

I respectfully request that the CFPB investigate this matter for potential unfair or deceptive banking practices and help resolve this dispute. 
please note that they claim that there was only bundle of {$100.00} and no {$50.00} dollars bill I provided it to the branch XXXX video from my security camera there was XXXX bundles of {$100.00} and XXXX bills of {$50.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: CA

Complaint narrative:
I am filing this complaint against TransUnion for failure to conduct a reasonable investigation under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

TransUnion continues to report two adverse accounts XXXX XXXX and XXXX XXXX XXXX despite these items being removed by XXXX and XXXX  after disputes. 

I have disputed these accounts multiple times with TransUnion. In each case, TransUnion responded with generic statements claiming the information was verified, but failed to provide any method of verification, documentary proof, or source used to verify the accuracy of these accounts. 

The XXXX XXXX account was included in a bankruptcy and has already been deleted by the other credit reporting agencies. TransUnions continued reporting is inconsistent, inaccurate, and unsupported by evidence. 

I formally requested the method of verification and supporting documentation for both accounts. TransUnion did not provide this information. 

This failure has caused ongoing credit damage, including suppressed credit scores and lending harm. 

I am requesting that TransUnion either : 1. Provide full documentary proof and method of verification for these accounts, or 2. Permanently delete the XXXX XXXX and XXXX XXXX XXXX accounts from my credit report. 

Screenshots and documentation showing removals by XXXX  and XXXX, as well as TransUnions continued reporting, are attached.

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 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
FORMAL FRAUD DISPUTE UNAUTHORIZED ACTIVITY Early Warning Services Date : XX/XX/XXXX Consumer ID : XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX Date of Birth : XX/XX/XXXX NOTICE OF DISPUTE ALL TRANSACTIONS & INQUIRIES I am formally disputing all XXXX transactions, account activity, and all inquiries appearing in my Early Warning Services consumer file. 

The information currently reported is inaccurate, unauthorized, and does not reflect any legitimate banking or financial relationships that I knowingly established. 

BASIS FOR DISPUTE XXXX. I DID NOT AUTHORIZE THESE TRANSACTIONS I dispute every XXXX transaction reported on my file. 
These transactions were not authorized by me, were not initiated for my benefit, and occurred during a period when my financial access and attention were compromised. 

I did not knowingly approve, initiate, or benefit from the XXXX debits listed on my report. 

XXXX. I NEVER HAD ACCOUNTS OR RELATIONSHIPS WITH THESE BUSINESSES I also dispute all inquiries listed on my Early Warning file, including but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never opened accounts, never entered into agreements, and never authorized applications with these entities. 

Any inquiry attributed to me during this period is unauthorized and inaccurate. 

XXXX. FRAUD BY XXXX-PARTY COERCION At the time this activity occurred, I was living with a family member who engaged in deceptive and coercive behavior, resulting in unauthorized financial activity occurring without my informed consent. 

This situation materially interfered with my ability to monitor, control, or prevent the activity being reported. I am therefore disputing these items as a fraud victim, not as an intentional participant. 

XXXX. INACCURATE RISK PROFILE The continued reporting of these transactions and inquiries creates a false and damaging risk profile that misrepresents my financial behavior. 

This data is : Inaccurate Unauthorized Unverifiable Misleading and must not remain in my consumer file. 

FORMAL REQUEST FOR ACTION Under the Fair Credit Reporting Act ( FCRA ), I request that Early Warning Services : Conduct a full reinvestigation of all disputed transactions and inquiries Verify authorization for each item reported Remove all information that can not be verified as authorized by me Update my file to reflect fraud victim status Ensure no negative account risk, abuse, or misuse indicators remain associated with my profile Any information that can not be fully verified as accurate and authorized must be deleted, as required by federal law. 

CERTIFICATION I certify that this dispute is accurate and submitted in good faith. The activity reported does not reflect my intentional or authorized financial behavior

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Stenger & Stenger, P.C
State: CO

Complaint narrative:
The letter of summons for civil court was placed for the entire amount of debts which were charged off last year. The summons was given to a non interested third party next door to my residence. There was XXXX certificate of service. 
The debt is from XXXX and the balance was {$1600.00} that was to be settled in XXXX for less than half of this debt and the rest of the balance forgiven of payments could be made. In good faith I accepted and made one payment then the debt was charged off as I collectible. Now 3 years later this new debt collector is acting as an attorneys office and attempting more than twice the balance for XXXX  XXXX XXXX  debt of {$2100.00}. They did not represent themselves as a debt collector in calls nor messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: GA

Complaint narrative:
In accordance with my rights under the Fair Credit Reporting Act, specifically FCRA 605B ( 15 U.S.C. 1681c-2 ), I respectfully request that XXXX XXXX and Experian immediately block and deleted within four ( 4 ) business days of receiving this complaint, all of the disputed accounts, collections, charge-offs, late payments, and hard inquiries identified herein from appearing on my consumer credit file. 

Furthermore, I request that all confirmations and updates regarding the actions taken in response to this CFPB complaint be provided to me in writing and sent directly to my designated email address for timely receipt and recordkeeping.

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