vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 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: FL

Complaint narrative:
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 exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: AMERICAN HONDA FINANCE CORP
State: VA

Complaint narrative:
I just spoke with someone from Honda Finance and we agreed on a plan for me to catch up on the payments, they said the left a note on my account but as of XX/XX/year> @ XXXX my car was towed out of my drive way, I was left feeling confused and angry because I had just thought I was going to get back on track with my vehicle when they wrongfully took it out my driveway way, didnt communicate with me where it was going or how I can find it, I been up since XXXX XX/XX/year> calling and trying to figure out what I can do, these past few months have been extremely XXXX  and hard for me from recently getting out the hospital from being sick, then from my car being vandalized I had to save money to get that fix that was a {$1000.00} payment and just on top of that trying to keep up with my mortgage So yes some months I have to choose, if its going to be a roof over my head or a car, and I know Its not right that I got behind but I have been trying so hard to just stay afloat in this economy nothing is easy nowadays, so Im filing this complaint because this just want fair to me at all because I communicate maybe not good enough but I was in the process of getting all of these things back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: TX

Complaint narrative:
Im extremely frustrated to see that the inaccurate late payments are still showing on my credit report today. Ive refreshed my browser several times, yet nothing has changed. I urgently ask that the documents Ive submitted be reviewed carefully so this issue can finally be resolved once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: SC

Complaint narrative:
I hereby contest the late payment and delinquent status currently reported. Those entries are not accurate, and I request that they be updated to Paid as Agreed and all references to delinquency be erased.

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 2025-09-26 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: SC

Complaint narrative:
I hereby contest the late payment and delinquent status currently reported. Those entries are not accurate, and I request that they be updated to Paid as Agreed and all references to delinquency be erased.

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 2025-09-26 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: Early Warning Services, LLC
State: HI

Complaint narrative:
I signed up for an account on consumerservices.earlywarning.XXXX  on XX/XX/year> to get my consumer report. I have not received the report in the mail, so I tried signing in again to see if I could get it that way. I could not sign in again, so I tried to reset my password, I got an email that said reset password denied. I then called their customer service number and it said you can not use the portal to receive your report. Therefore, I would like the report sent to me. Please let me know when the report will be sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: IN

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 2025-09-26 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:
These accounts are unrelated to me and should be deleted within XXXX  days under USC 1681g.

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 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a complaint about theft and accounts ending with XXXX, XXXX, XXXX and XXXX. I am not the one who opened these accounts. I am not applying for a transaction. Despite, in order for you to say that I applied after the legal period, I have a report about theft at the FTC and a report at the police about the theft of my account. You stated on XX/XX/XXXX that I did not open the account ending with XXXX. This was opened in XX/XX/XXXX and I found out in XX/XX/XXXX. The XXXX accounts XXXX, XXXX and XXXX have the same legal period. The specified legal period is calculated from the date the customer finds out that his account was stolen, not from the date the account was opened.

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 2025-09-26 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:
I am not linked to these accounts ; they must be deleted within 15 days as required by USC 1681g.

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Account not mine XXXX XXXX - XXXX - Account not mine

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 2025-09-26 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: IN

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 2025-09-26 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: IN

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 2025-09-26 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 have no link to these accounts and they are to be removed within XXXX  days as stated in USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: GLOBAL CREDIT UNION
State: WA

Complaint narrative:
When my debit card was used without my authorization and I spoke to the lady in the dispute Department on XX/XX/year> together we went over all the transactions that were unauthorized she placed me on hold came back a few minutes later and told me I could not be reimbursed because the individual had access to my PIN number. There were multiple multiple transactions totaling almost {$800.00} and I didn't get any of it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$4000.00} XXXXXXXX XXXX XXXX XXXX XXXX  {$4500.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} INQUIRIES XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I bank with Truist Bank. Their phone number is XXXX. My account number is XXXX. My paycheck was direct deposited to my checking account on XX/XX/year>. At the close of XX/XX/year>, my account balance was {$1900.00}. At the close of XX/XX/year>, my account balance was {$1500.00}. At the close of XX/XX/year>, my account balance was {$1100.00}. This was the day my bank declined payment of my rent check. Even though my account balance was {$1100.00}, more than enough to pay my rent check of {$1000.00}. My bank told me that a pending transaction for the amount of {$150.00} had brought my account balance to {$980.00}. I told my bank the {$150.00} check was fraudulent and that even though it was a pending transaction and not a check that I had made and since it wasn't looking for payment and actually didn't get paid until XX/XX/year>, they should have paid my rent check. Since they declined payment of my rent check my apartment complex charged me several XXXX XXXX  in fees. I told them they should have paid my rent check. I told them I wanted for them to compensate me for the fees my complex imposed on me They told me they would not.

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 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I asked XXXX XXXX on XX/XX/XXXX why they put my account as restricted. They said suspicious activity but couldnt tell me what it was. 

I went through steps they asked me to try and un restrict my account but it didnt work and they permanently blocked my account holding all my money of {$1500.00} for XXXX  days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Albert Corporation
State: TX

Complaint narrative:
XXXX XXXX  I called to cancel my account and every month they are taking money out my account and I text them every month and they are still taking money that I didnt agree for them to no longer do.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CITIZENS FINANCIAL GROUP, INC.
State: SC

Complaint narrative:
I submit this response concerning an alleged charged-off account with Citizens Bank XXXX XXXX XXXX. XXXXXXXX XXXX 

Attached is my Response & Demand for Full Accounting, referencing the Citizens Bank correspondence ( Exhibit A ). Pursuant to the South Carolina Uniform Commercial Code ( S.C. Code Ann. 36-9-210, 36-9-203, and 36-3-305 ), I demand Citizens Bank provide : - The original signed promissory note or installment contract, with all indorsements and custodial records ; - Complete GAAP-compliant accounting entries, including documentation of charge-off and IRS reporting ( Form XXXX, if applicable ) ; - Proof that Citizens Bank, or any assignee , qualifies as holder in due course with valid consideration. 

Citizens Banks failure to provide verified and certified accounting will be deemed acquiescence that no valid debt exists and that any derogatory reporting is invalid. 

I respectfully request that the CFPB compel Citizens Bank to provide a complete, itemized, and certified accounting of this alleged obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BMO bank issued me a cashiers check for {$20000.00} after claiming I acquired the funds fraudulently. For XXXX  months kept my money the refused to honor it at any location so I end having to take it to a check cashing where i could have been robbed. Now they want me to sign a very nasty liability waiver to offer me my {$1000.00} cashiers check cashing fee back which is less than what was charged me for cashing at pls.

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 monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CT

Complaint narrative:
On Tuesday at XXXX est I tried to use my Chime debit card at a Chime atm. After I entered my PIN number and entered how much money I wanted to withdraw it said incorrect pin. I contacted Chime customer service and they said their system didnt recognize my pin and that I needed to change my pin on their app. I changed my pin and tried to withdraw money from an atm. I entered my pin and the amount I wanted to withdraw and it again said incorrect pin. I called customer service again and they said they are updating their systems and that I would be able withdraw cash the next day which was Wednesday XX/XX/year>. I tried on that Wednesday and it still said incorrect pin. Once again I contacted Chime customer service and was told they are updating their systems and it would be fixed by Thursday. I tried to with draw money on Thursday XX/XX/year> and it still said incorrect pin and I can withdraw my money. For a XXXX time I called customer service again and spoke with a supervisor. I was told they were almost done updating their systems and they were doing it to make things faster for their customers. The supervisor on a recorded call said I would be able to withdraw money on Friday. It is now Friday and I tried to withdraw money and it still said incorrect pin. I have not been able withdraw any of my cash in my Chime account for XXXX hours. This is needs to be resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO

Complaint narrative:
Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc

Complaint narrative:
I received an email from PayPal on XX/XX/year> at XXXX XXXX  that {$97.00} had been sent to XXXX. I tried to contact them but the website wanted me to make a ticket. But it wouldnt let me complete the form so I could submit it. I did research online to find out who they were. According to my research I am not the first person they have done this to. They are also known as XXXX XXXX XXXX. I saw that others had signed up for memowrite and were scamed by XXXX. I did also but which I had deleted a year ago. That is the only connection I could think of. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Posted on XXXX XXXX XXXXXX/XX/year> at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ending in XXXX XXXX {$97.00}

Company response to consumer: Closed with explanation