vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5900.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-24 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-09-24 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:
After reviewing my credit report I noticed a fraudulent account on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
b'Bank of America returned my rent Payment due to a fraudulent transaction even though k had sufficient funds to cover my rent. I was charged a fee by my landlord which Bank Of America told me over the phone that they would reimburse which they refused to and declined then I was told on XXXX XXXX  that I would receive a document for me to provide to my landlord and yet they now refuse to issue me that document or correspondence I went to the branch. I was there for XXXX XXXX XXXX  and nobody was able to help me.'

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 2025-09-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: NJ

Complaint narrative:
I am disputing a debt being collected by Professional Debt Mediation , Inc. on behalf of XXXX at XXXX ( my former landlord ). The debt is invalid and unenforceable for the following reasons : 1. Defective Notice Under Florida Law : My lease ended XX/XX/XXXX. Under Florida Statute 83.49 ( 3 ), landlords must provide written notice of any claim against a tenants security deposit within 30 days. While I personally received a notice, it was defective because it was not sent to all tenants of record at the time of termination. Instead, the landlord relied on an outdated lease listing XXXX XXXX ( who had been released as of XX/XX/XXXX ). The correct tenants in XX/XX/XXXX were myself, XXXX XXXX, and XXXX XXXX. XXXX and XXXX never received any notice, which makes the landlords claim invalid.

2. Wrong Tenants Pursued : Despite the lease amendments, the collector pursued the wrong people. They listed only me as responsible and also pursued XXXX XXXX, even though she had been released from the lease more than a year earlier. We even received a collection letter addressed to my new address in XXXX bearing her name. From XX/XX/XXXX through XX/XX/XXXX, the actual tenants of record were XXXX XXXX, XXXX XXXX, and XXXX XXXX. The collector is ignoring the actual leaseholders.

3. Ignored Prior Dispute : I disputed this debt in writing with the landlord/management company within the required time. Instead of responding, they transferred the account to Professional Debt Mediation, which constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ).

4. Misrepresentation of Law by Collector : When I spoke with the collector by phone, I was told that because of joint and several liability, notice to one is notice to all. This is false and misleading. Joint liability may apply to payment obligations, but it does not erase the statutory requirement in Florida Statute 83.49 that notice be given to all tenants of record within 30 days. Failing to notify two of the three tenants ( XXXX XXXX and XXXX XXXX ) makes the claim invalid under Florida l

aw. 5. FDCPA Violation Wrong Lease and Wrong Parties : The collector is attempting to collect charges under an outdated lease that included the wrong tenants. This misrepresents the character and legal status of the debt and violates 15 U.S.C. 1692e of the FDCPA. The correct lease amendments show that XXXX XXXX was released as of XX/XX/XXXX, and that XXXX XXXX and XXXX XXXX were added as tenants of record. By continuing to pursue XXXX XXXX and listing only me as responsible, the collector is falsely attributing debt to the wrong lease and the wrong parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
This account was paid as agreed on [ Date ], and as part of the settlement and agreement with the creditor, it was expressly stated upon satisfaction of the agreed total, the company would request deletion or removal of the account from my credit report. 



Despite the fulfillment of my obligations under that agreement, this account continues to be reported, which constitutes inaccurate and incomplete reporting in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), specifically 1681i and 1681s-2. Credit reporting agencies are required to ensure maximum possible accuracy of the information reported and to promptly correct or delete information that can not be verified

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 2025-09-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: NC

Complaint narrative:
In XXXX of XXXX  I paid {$370.00} and {$8.00} went to loan then {$360.00} went to interest. Please send me an email so that i may forward all screenshots and writing to you. I am unable to download to my USB an attach all of it. It took me an hour just to copy and past what i have to this complaint. I haven't been able to make a complaint until now because of my sever car accident My email is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: MI

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-09-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
I deposited XXXX XXXX Treasury checks into my savings account on XXXX, XX/XX/year>. I know that XXXX Treasury checks are eligible for next-day availability under the Expedited Funds Availability Act ( EFAA ). However, the rules also state that banks have the discretion to apply their own policies for placing holds on checks, particularly for new accounts, large deposits over {$5500.00}, account activity, or if they suspect the check may be fraudulent. 

I was with USAA for several years, left them for another bank, and returned about XXXX months ago. I live in XXXX XXXX, while USAA is based in Texas, and there are no branches or ATMs where I can deposit checks. I must use their online check deposit system through their app. Unfortunately, these checks will not clear until XX/XX/year>, which is XXXX business days or XXXX calendar days from now. I have verified the checks through the XXXX Treasury check verification system, and they are confirmed as cleared. This delay seems unfair for USAA 's customers.

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 2025-09-24 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX/XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$8200.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Netspend Corporation
State: NJ

Complaint narrative:
XX/XX/XXXX XXXX direct deposited 20 separate deposits equaling {$3100.00} ( XXXX deposits of {$180.00}, XXXX deposits of {$130.00}, XXXX deposits of {$45.00} ) THEY WERE NOT CREDITED TO MY ACCOUNT XX/XX/XXXX I contacted Netspend via telephone at XXXX to request a check trace on my missing deposits, they advised me of a dispute process ( email all proof of deposits, with reference number XXXX XXXX as the subject, and a letter explaining why Im requesting provisional credit ) I was advised the credit would be in my account in 10 business days ( XX/XX/XXXX ) and I would receive an update that day regarding dispute. I included each deposit, amount, and batch number with pictures of documents from the depositor. 

XX/XX/XXXX I sent 3 emails with said documents and received confirmation, id have an update from the dispute team in 6 hours NOTHING XX/XX/XXXX I sent documents again, with confirmation they were received and would hear from review team in 6 hours. 

They again didnt respond. 

Calls I placed- Initial call to start dispute process find musing deposits XX/XX/XXXX XXXX XXXX XXXX initial call XX/XX/XXXX XXXX XXXX XXXX ( to confirm proper procedure is being followed as this is a lot of money, I was assured by Netspend ) XX/XX/XXXX XXXX XXXX to again confirm procedure and I asked why I didnt receive a dispute number I was told because its not a dispute and proper procedure had been followed and en email was sent to dispute team on my behalf ) XX/XX/XXXX XXXX XXXX requested update on provisional credit I was told id receive it on XX/XX/XXXX XX/XX/XXXX XXXX XXXX NO CREDIT IN MY ACCT I was told its been escalated bc there is no update and promised an answer within 24-48 hours XX/XX/XXXX XXXX XXXX I called again promised an update about why I havent received credit to my account. I was told I would have a supervisor call back THAT day they never did and I would again hear an update in 24-48 hours XX/XX/XXXX I called back XXXX XXXX because no supervisor called and they told me I have to wait XXXX hours XX/XX/XXXX XXXX XXXX called for update- none available XX/XX/XXXX XXXX XXXX called for update FAILED TO PROVIDE CREDIT AND UPDATE 3rd time XX/XX/XXXX XXXX XXXX FAILED TO PROVIDE UPDATE AND DENIED CREDIT, PROMISED AN UPDATE 4th time in 12-48 hours, was supposed to be transferred to supervisor and was hung up on XX/XX/XXXX XXXX XXXX XXXX spoke to incompetent supervisor who assured me the proper procedure had been followed and then told me the procedure is wrong, I will get an update when I provide trace number ( which XXXX is sending via snail mail 10-15 days ) no one told me that comes from the depositor again promised an update in XXXX and a supervisor will call back Contacted FTC AND 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 2025-09-24 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: NV

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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$880.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX,, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-09-24 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: SC

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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:
PLEASE BLOCKED AND REMOVED. 
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

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 2025-09-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
Dispute Unauthorized Account / Victim of XXXXXXXX XXXX Please Remove Hello, I am disputing an account on my credit report that is not mine. I was a victim of XXXX XXXXXXXX XXXX XXXX XXXX XXXX ; I have attached police reports and photos that document this. The disputed account details : Account name : XXXX XXXX XXXX Account number XXXX XXXXunknown XXXX Furnisher : XXXXunknown XXXX  I did not open or authorize this account. Please investigate and remove this account from my credit file. I have attached : police report ( s ), photos, a copy of my ID, proof of address, and a copy of the credit report page showing the item. Please confirm receipt and notify me in writing of the results of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Chime Financial Inc
State: FL

Complaint narrative:
Im not sure how much they have taken over the years

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I was a victim of identity theft and submitted an FTC report. Additionally, I submitted a CFPB complaint XXXX to Equifax regarding an illicit account XXXXXXXX XXXX  on XX/XX/year>. Equifax responded that the account was not reporting on my Equifax file and the CFPB complaint was closed. I have checked my report today and the account is reporting as a charge off.

Company response to consumer: Closed with explanation