vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-21 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: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that l owed the debt. This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. Please attach copies of the following documents : * Agreement that you have authority to collect on this alleged debt. * Agreement that bears signature of the alleged debtor with promises to pay the original creditor. * Complete payment history on this account, to prove that the amount you wish to collect is correct. I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: OH

Complaint narrative:
XXXX I am filing a complaint against Chime Bank because I currently have approximately {$800.00} in my account that I can not access. The XXXX app is down, their website is not working, and I have tried multiple ATMs and my debit card at storesall of which result in declined transactions. I am completely locked out of my money. 

This is not the first time Ive had issues with Chime. In the past, my card was used fraudulently ( a {$200.00} unauthorized XXXX purchase ), and Chime refused to return my money or help me dispute the transactioneven though I followed their procedures. 

Chime has made no effort to issue proper updates to customers about this current outage. In fact, theyve responded to many customer concerns on social media with blame-shifting and vague responses instead of owning the issue or giving clear timelines. This lack of transparency and denial of access to personal funds is absolutely unacceptable. 

I believe this is a serious breach of customer trust and possibly federal protections around electronic fund access. I am requesting that Chime restore full access to my account and explain what happened. I am also asking for accountability in how they handle outages and fraud unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MORGAN STANLEY & CO. LLC
State: TX

Complaint narrative:
Received the an offer from Etrade as follows : " Congratulations! You have opened a checking account with Morgan Stanley XXXX Bank, XXXX FDIC, and are now enrolled in a limited time promotional offer. You are only a few steps away from getting your {$250.00} reward. 

Here is how to get your {$250.00} cash bonus : Set up direct deposit, each of {$1000.00} or more. Learn how at etrade.com/directdeposit. 
Ensure you receive XXXX qualifying direct deposits within the next 90 days. 
Get rewarded with a {$250.00} bonus deposit into your new account. Pretty nice, eh? 
Get started now as it may take XXXX pay cycles for the change to go into effect. '' I did as directed. Open the account and setup XXXX {$1000.00} direct deposits from my monthly paychecks : XX/XX/year> and XX/XX/year>. 

I received an email around XXXX saying that. unfortunately I did not qualify for the welcome bonus. I called their customer service team 3 times. They could not tell my why I did not qualify for receiving the welcome offer. Only that the terms were not met.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
My credit card was charged unauthorized transactions, I don't use synchrony bank much but when I saw the charges, I immediately called my bank and dispute it, the bank sent me another card without disputing the charges, it was still on the account, I called again to dispute it and they finally did but after reporting it as a XXXX payment, I called XXXX and they refunded me the money and the bank refunded me the money but it is still reported as XXXX payment but it was a fraudulent activity not a miss payment, I called to report it

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 2025-06-21 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This letter serves as a formal follow-up to my previous dispute regarding multiple inaccurate and potentially damaging entries on my credit report. Despite my initial communication and the supporting documentation provided, the following items remain incorrect, incomplete, or unverifiable, in direct violation of the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This letter serves as a formal follow-up to my previous dispute regarding multiple inaccurate and potentially damaging entries on my credit report. Despite my initial communication and the supporting documentation provided, the following items remain incorrect, incomplete, or unverifiable, in direct violation of the Fair Credit Reporting Act ( FCRA ).

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 2025-06-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I had my car repossessed in XXXX of 2024 around the XXXX or around the first week of XXXX. It took them over a week or two to even get back to me on when it would be transported back when I called they would tell me they didnt know when my car would be back well when I went to pick up my car after they gave me the run around it would be XX/XX/XXXX. On that day I arrived at the company who originally towed the car and from the get go they pushed paperwork in my face and never started the process off right I didnt get the chance to look at my car or anything prior to signing anything and it never registered to make me slow him down and make him take me to look at my car and start it up and let me make sure everything was okay before signing the release forms I guess. He had to jump it off anyway to move it that had to happen twice. Thats when I figured out they cut a key to my car and also there was no official sale date prior to that happening there was no request to bring the original keys up to them so they didnt have to do that. Well he tells me let me drive it around and see can I get the lights to go off on the dash. I had no clue what he was referring to. When he brought it back he said they still didnt go off so I took it as is. I had a appointment I took it to a shop and had it hooked up to a computer to check and see what the issue was and most of the safety features are not working and they cant reset anything. Which is fine I get a print out call WellsFargo and let them know I have damages to my car that were not there prior. They do what I think they are supposed to do I get a call back and was asked to send over the information I have and proof of what Im claiming is wrong. They then call me back and tell me they called and talked to the original company that towed my car and tell me that the owner tell them I said there were already lights on on the dash which is in fact false. I already know that when I called and asked about my car they had no clue where it was and it ended up already being taken to XXXX XXXX which means it was moved atleast two to three times. Recently I have fallen behind on payments and I have made every attempt to make steady payments and on the XXXX XXXX XXXXXXXX I was told instead of taking a lower amount the lady agent just straight up told me I broke an agreement and that the next payment on the XXXXXXXX XXXX XXXXXXXX in the amount of {$600.00} if it wasnt paid then I would be breaking an agreement again and they would start to go through with the repossession process again. So its almost like a lose lose situation with them. Most of the time my experience is great but I think they should be more cautious about how they handle real isues.

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 2025-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: IL

Complaint narrative:
This serves as a formal dispute and legal demand under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ), and the Gramm-Leach-Bliley Act ( GLBA, 15 U.S.C. 6801 et seq. ). 

I am disputing the reporting and/or collection activity associated with the above-referenced account. As a consumer, I am entitled by law to full validation and verification of any alleged debt. This includes the following XXXX ( XXXX ) items, which I am formally demanding : XXXX. A copy of the original signed contract between myself and the original creditor that bears my wet-ink signature, showing that I agreed to the terms of the alleged debt. 

XXXX. A valid and complete letter of assignment or purchase agreement showing that your company has been legally assigned the rights to collect on this alleged debt, per the requirements of FDCPA 809 and applicable contract law.

3. Proof of my written consent that I gave to the original creditor authorizing them to share my personal and financial information with your agency, and proof that I granted your agency permission to further share my personal information with any third parties, as required by the Gramm-Leach-Bliley Act.

If you are unable to provide all three documents within 15 calendar days from the date this letter is received, you must immediately : Cease all collection activity, Delete all references to this account from my credit report with all consumer reporting agencies ( Experian, TransUnion, and Equifax ), and Cease sharing or selling my personal data in accordance with federal privacy laws. 

Continuing to report unverifiable, incomplete, or inaccurate data constitutes a violation of : FCRA 1681s-2 ( b ) your duty to investigate and correct inaccurate information, FDCPA 807 prohibiting false or misleading representations, and GLBA 6801-6809 unauthorized sharing of consumer data. 

Failure to comply will result in : A formal complaint with the Consumer Financial Protection Bureau ( CFPB ), A complaint with the Federal Trade Commission ( FTC ) and the IRS, if applicable, and Legal action for damages under federal law. 

This is a final notice to correct the record. I expect your compliance under federal law. A copy of this letter is being notarized and retained for legal and evidentiary purposes. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I would like the following charge off accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report.

Please apply these laws to my accounts : Section 607 15 USC 1681 ( E ) Compliance Procedures 15 USC 1666 Correction of Billing Error I need your help in a serious matter involving my credit report. After reviewing my credit, I realized that you might be reporting damaging information to my name. Please review the following : I see that these account ( s ) have a charge off status and yet there is a past due balance on this report, do you know that is a violation? I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I dont believe the status of this account is accurate either. Delete this due to multiple violations. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

After you have finished my request, send me a copy of my credit report reflecting these changes.

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 2025-06-21 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I would like the following charge off accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report.

Please apply these laws to my accounts : Section 607 15 USC 1681 ( E ) Compliance Procedures 15 USC 1666 Correction of Billing Error I need your help in a serious matter involving my credit report. After reviewing my credit, I realized that you might be reporting damaging information to my name. Please review the following : I see that these account ( s ) have a charge off status and yet there is a past due balance on this report, do you know that is a violation? I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I dont believe the status of this account is accurate either. Delete this due to multiple violations. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

After you have finished my request, send me a copy of my credit report reflecting these changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: KS

Complaint narrative:
Cashapp is saying I violated there terms in fact I only send money to my ex wife and when I call in they won't explain to me what I violated, I want this resolved so I can continue to using Cashapp

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
I'm once again making an additional complaint. Ally has failed to recognize the issues. Your reporting multiple balances in a single month which fluctuates my credit score and damaging my potential lending options. This needs addressed. I have provide pictures and screenshots and have been acknowledged that's an issue. 

Secondly, still have XXXX inquiries on my report. I have proof that reps and conversations via phone, that NO INQUIRIES WERE SUPPOSED TO BE WITH THE LOAN. I have compromised and will settle for XXXX inquiry but credit checks are supposed to be XXXX PER COMPANY. ( EQUIFAX, TRANSUNION, EXPERIAN ). I HAVE XXXX ON EXPERIAN. AT LEAST XXXX NEEDS REMOVED. The documentation ally likes to send is a regular contract I signed for but nothing in the contract states a credit check. No proof of authorization. Please do your job and fix this. I've been disputing this since the beginning of the year and I keep opening cases on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: PA

Complaint narrative:
I would like the following collections accounts removed. Many of these accounts fall under the statute of limitations or are misreported on my credit report. 
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. According to the FAIR CREDIT REPORTING ACT, SECTION 609A1A, you are required by federal law to verify through physical verification of the original signed contract, any and all accounts that you post on credit report. Otherwise, anyone paying you for your debt is probably fraudulent. I demand to see verified proof. If you fail to validate, REMOVE ACCOUNT IMMEDIATELY. 
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I presume proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: OH

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a XXXX  of XXXX  XXXX, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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