vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: MD

Complaint narrative:
I am formally disputing a late payment that appears on my credit report. Based on a thorough review of my records, I can confirm that the payment was made on time. This entry does not reflect my payment habits, and I respectfully request that the inaccurate information be removed to restore accuracy to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
XX/XX/25 I called asking for requesting debt validation letter to be sent to the address they have on file. I asked for them to verify the address they have so I can verify if its correct t or not. I asked if they had my social number in front of them for me to verify and they would not answer that. I they asked a supervisor to send it they got I. The phone and said thats not gie it works and I must verify my info fir them to send the letter. I have the call recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: TX

Complaint narrative:
A review of my credit profile shows a late payment that I believe was reported in error. I have made every effort to remain punctual with my payments, and this report does not match my actual behavior. I respectfully request a review and removal of this inaccurate item.

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 2025-06-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R.M. Galicia, Inc.
State: AL

Complaint narrative:
I am getting harassed by Mail with notices that are not to be paid by myself, I do have reason to believe that my social security and identification are being used and NO I am not the one just adding myself onto things XXXX XXXX. The notice was received today, and it came all the way from XXXX XXXX  without any further notice or consent. XXXX XXXX want to sit there and come after innocent bystanders such as myself and people that I care about and harass and not give XXXX craps worth if someone can or can't afford anything BILL related. Exactly how would you like the same mutual feeling hanging over your head and we come after you to not mail, email, make phone calls, or show up at our place of residence, it's the treatment that you give us that we absolutely give back straight to you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: MD

Complaint narrative:
This letter is to report and dispute the presence of unauthorized accounts on my credit report. I did not approve or create these accounts. In accordance with 15 U.S. Code 1681g, I request that they be deleted within 15 days. Please see the enclosed documents for evidence.

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 2025-06-23 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:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is XXXX ; XXXX, filed on XX/XX/XXXX of this XXXX. 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : Click or tap here to enter text. 
XX/XX/XXXX) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

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 2025-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please update/remove the inaccurate records being reported on my 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 2025-06-24 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: IN

Complaint narrative:
Several companies have accessed my credit report without my authorization, resulting in direct and significant harm to both my credit score and overall credit standing. I previously contacted your agency regarding this issue and was assured by a representative that the unauthorized inquiries would be removed. Despite that assurance, no action has been takenthese inquiries still remain on my 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 explanation
Consumer complaint received 2025-06-24 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: Consumer Portfolio Services, Inc.
State: MI

Complaint narrative:
CPS is falsely reporting multiple late payments, including XXXX and XXXX delinquencies over a prolonged period. This reporting is erroneous, unsubstantiated, and in direct violation of the Truth in Lending Act under 15 U.S. Code 1666b, which mandates that a creditor must not treat a payment as late unless the payment is received after the date disclosed in the billing statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
I received a notification stating money was taking out my account XX/XX/XXXX in didn't realize it until XX/XX/XXXX in the we hours in the morning I contacted my bank through chat told them I lost my card in money was taking out my account the card was canceled I went to the security lost in found at the XXXX XXXX in told them I lost my card in money was taking can I get some documentation for my bank they advised me they don't give documentation witchvi told my bank I was contacted by XXXX XXXX XX/XX/XXXX stating they found my card I left it there for proof my card was lost also told my bank cause I feel like that's my only documentation I've also sent my bank a letter from my Dr. Stating I suffer from XXXX XXXX XXXX  in I keep my pin on my card I've submitted a letter with who I spoke to about losing my card in was denied to get my Money back for {$300.00} in ask for documentation on why in it stated cause I used that ATM before in the past witch I never said I didn't use that ATM before I stated I didn't use it XX/XX/XXXX, then it said cause I reported it XXXX, in reported it soon as I seen it witch was barely XX/XX/XXXX, in only reason I seen it cause my daughter was pose to send me money for a bill in was bout to call her in that's when I noticed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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:
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 2025-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: FL

Complaint narrative:
Places an order on XXXXXXXX XXXX  XXXX. Was double charged and account was overdrawn. First charge at XXXX for {$45.00} XXXX at XXXX for {$45.00}. Despite providing all the proof that was needed, and being told by a supervisor on XXXX separate calls that it would be taken care of and the money returned, every dispute has ended the same. " Determined no error occured ''. So what I don't get is how I was charged twice for the same order but no error occurred. I have all the messages between XXXX XXXX  and myself which I had sent on a previous complaint. This time however I have the messages from a chime employee admitting that there is a double charge on my account that shouldn't be there. I just want this to be over. It's been months. Chime admits there is a double charge so why won't they just refund the money. Which BTW, should never have been taken in the first place considering I had {$0.00} in my account. Transactions aren't supposed to be allowed to go through with no money there. Not until recently and now it's only {$5.00} it can be overdrawn. So why is it they allowed a {$45.00} transaction to be completed when my balance was XXXX? I made sure I had exactly enough to pay the bill once not twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Hello, I purchased a XXXX XXXXXXXX XXXX XXXX The product did not function as advertised and the suction ceased operation, I made attempts to fix the product through the specified XXXX  given by the seller should a product be damaged. I was told that this product had a warranty that would cover such a product, but they refuse to serve the product despite being told that damage should be covered. Since the product had the XXXX warranty service included with the product, I believe this would mean the whole product would be considered fraudulent. Their words on the included warranty service are exactly as follows : ".... you're covered in the event your item breaks or malfunctions ''. Today they are not following what they promised. I attempted to contact both the warranty service provider and my bank about the transaction, but I was unable to both file a claim and dispute the transaction on the website and when I called, I was told by an automated machine that they were unable to located my transaction entirely and when I recalled to talk to representative I was made to wait too long to talk to a customer service representative. For reference, I made the calls to both the warranty service provider and multiple calls to my bank on XX/XX/year> around XXXX XXXX XXXX  The transaction details retrieved on the bank website ( and told by the automated messaging system that they were unable to locate ) are as follows : Offer ID : XXXX Reference 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 2025-06-23 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: NH

Complaint narrative:
I am submitting this formal complaint regarding Equifax 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On XX/XX/XXXX, I disputed several fraudulent accounts and provided Equifax with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. XXXX such account in dispute iXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, with a reported balance of {$830.00} listed as a XXXX XXXX XXXX XXXX However, TransUnion failed to block the disputed item within the XXXX business days required by XXXX and instead " verified '' the account without disclosing the sources or evidence of verification, violating XXXX mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs XXXX bulletin underscores Equifax 's failure to uphold consumer protections under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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:
I am formally disputing a hard inquiry listed on my credit report that I did not initiate or authorize. I did not apply for any form of credit that would warrant this inquiry, nor did I give consent for my credit profile to be accessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Ive tried to explain to the credit bureau that my information was incorrect some of these accounts was paid off then they dont have where some was supposed to be free trials but when returned was billed this is basically tricking people telling you the amount of the product after you signed contract then also they not charging credit scores to good brackets this is very misleading

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: Lendmark Financial Services
State: NC

Complaint narrative:
Ive tried to explain to the credit bureau that my information was incorrect some of these accounts was paid off then they dont have where some was supposed to be free trials but when returned was billed this is basically tricking people telling you the amount of the product after you signed contract then also they not charging credit scores to good brackets this is very misleading

Company response to consumer: Closed with explanation