vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 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: AR

Complaint narrative:
XXXXI am requesting deletion of fraudulent accounts that appeared due to a breach of my personalXXXX data. Pursuant to Section 605B of the Fair Credit Reporting Act (15 U.S.C.  1681c-2(a)),XXXX please block and remove them within 4 days:  XXXXAlso, would like to have all addresses and names REMOVED from my credit report, exceptXXXX for my only name and address listed below:XXXX Name: XXXX XXXX Address: XXXX XXXX XXXX XXXX XXXX XXXX Please delete and block the following accounts from my credit reportXXXX AccountsXXXX XXXX  - Account Number: XXXX, Date Opened: XXXX Balance: XXXX XXXX XXXX Account Number: XXXX Date Opened: XXXX BalanceXXXX  XXXX XXXX XXXX XXXX XXXX Account Number: XXXX Date Opened: XXXX Balance: 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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from 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 non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: CO

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Chime Financial regarding the suspension of my account and the withholding of my personal funds. 

On XX/XX/year>, Chime Financial abruptly suspended my account without prior notice or adequate explanation. At the time of the suspension, my account held a balance of over {$1400.00}, which I have been unable to access. Despite repeated attempts to resolve the issue with Chimes customer service, I have been informed that the return of my funds can not be processed for up to 30 days. 

This delay is already causing me significant financial hardship, as I rely on those funds for payments of credit cards and living expenses. I believe this action by Chime is both unfair and potentially unlawful, as they are holding my funds without providing a clear justification, timeline, or immediate resolution. 

I respectfully request that the CFPB investigate this matter and ensure Chime Financial expedites the return of my funds and provides a transparent explanation for the suspension of my account. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I am unable to make a payment online via the Bank of America website or the mobile app. I have opened several tickets about this but keep getting a runaround. I get a generic message that " There was a problem processing your request. 
~Due to the status of your account, we are unable to service your request. For assistance, call XXXX ( Select option 'Technical Support ' ). " I've called this number but the personnel answering the phone are unable to assist 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 2025-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation
State: OH

Complaint narrative:
I voluntarily surrendered my vehicle to Bridgecrest and have repeatedly requested that all communications be provided in writing, via email or physical mail, so I can maintain accurate records. Despite this, Bridgecrest has failed to provide any formal written notice since the date of the surrender no notice of vehicle disposition, no account balance update, and no documentation of their next steps. 

I sent a written notice explicitly requiring that all further communication be conducted in writing and expected a formal written response within 10 business days. This deadline has now passed. The only response I have received is a voicemail and a follow-up phone call both in direct contradiction to my written request. 

I informed them during the call that I would not continue the conversation unless they consented to recording ( they did not ). I stated again that their phone call did not satisfy my request for written communication. I also informed them that failure to respond in writing would result in escalation to legal counsel and the appropriate consumer protection agencies. 

Additionally, Bridgecrest appears to have reported this voluntary surrender as an involuntary repossession to credit bureaus, which is both factually incorrect and a violation of the Fair Credit Reporting Act ( FCRA ). This misreporting has the potential to severely impact my credit profile and future financial standing. 

At this point, I have legitimate concerns that Bridgecrest is withholding critical post-surrender documentation, and potentially acting in bad faith to obscure next steps, legal rights, and my ability to respond or resolve the matter. I am seeking CFPB intervention to : - Prompt Bridgecrest to provide all required written documentation post-surrender - Correct any false credit reporting tied to this surrender - Ensure future communications are provided in writing, as legally appropriate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint because Equifax is reporting an account from XXXX, XXXX ( ending in XXXX ) with serious factual and technical inaccuracies. 

The account is simultaneously marked as " XXXX XXXX '' and " Transferred or Sold, '' which are mutually exclusive statuses and cause confusion. There is no complete reporting of account activity between the last payment in XX/XX/2022 and the reported charge-off date. Furthermore, Equifax has not included key XXXX XXXX fields such as " XXXX XXXX '' or a consistent " Date Closed. '' I previously requested validation from the original creditor but received no documentation, which violates my rights under the Fair Credit Reporting Act ( FCRA ). Specifically : 15 U.S.C. 1681e ( b ) : Requires all information to be accurate and clearly presentedthis account fails that standard.

15 U.S.C. 1681s-2 ( b ) : Obliges furnishers to properly investigate disputed data. No such verification occurred.

15 U.S.C. 1681i ( a ) ( 5 ) : Mandates deletion of unverifiable or inaccurate information. 

Precedent cases like Cortez v. Trans Union, LLC and Seamans v. Temple University clearly affirm that unverifiable and inconsistent credit entries must be removed. 

This inaccurate reporting is unfairly harming my credit and impeding my ability to access financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I received a letter in the mail stating I have a past due account with Citizens Bank. This letter is a scam to commit fraud per I do not have a delinquent account nor do I have an account with the last four digits XXXX as stated in the letter. 
The letter states to call the phone numbeXXXX XXXX XXXXnd pay the amount XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: IL

Complaint narrative:
I'VE RECIEVED A COPY OF MY CREDIT REPORT AND NOTICED IT HAS SEVERAL INACCURACIES AND UNAUTHORIZED ACCOUNTS/INFORMATION REPORTING TO MY CREDIT REPORT. THIS IS LIKE MY 3RD TIME ASKING THE CREDIT BUREAUS, TO REMOVE THESE INACCURATED INFORMATION.

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 2025-06-02 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:
I'VE RECIEVED A COPY OF MY CREDIT REPORT AND NOTICED IT HAS SEVERAL INACCURACIES AND UNAUTHORIZED ACCOUNTS/INFORMATION REPORTING TO MY CREDIT REPORT. THIS IS LIKE MY 3RD TIME ASKING THE CREDIT BUREAUS, TO REMOVE THESE INACCURATED INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: MD

Complaint narrative:
I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: VA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-02 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 explanation
Consumer complaint received 2025-06-02 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 2025-06-02 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: AR

Complaint narrative:
I am requesting the removal and blocking of fraudulent accounts added after a data breach compromised my personal information. Under Section 605B of the FCRA ( 15 U.S.C. 
1681c-2 ( a ) ), please act within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX AR XXXX Please delete and block the following accounts from my credit report Accounts XX/XX/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 non-monetary relief
Consumer complaint received 2025-06-02 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: FL

Complaint narrative:
My credit report was negatively impacted due to unauthorized accounts from a data breach. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I demand blocking and removal within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete and block the following accounts from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2025-06-02 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:
In XXXX and XXXX, I disputed a XX/XX/XXXX charge-off account with Experian multiple times due to incorrect reporting. Despite paying the account in full in XX/XX/XXXX and receiving a deletion confirmation letter from XXXX dated XX/XX/XXXX, Experian continued to report the account with charge-off status and inaccurate payment history. 

I mailed certified legal letters requesting both deletion and my full consumer file under FCRA 609. I also filed a CFPB complaint in XX/XX/XXXX. Only after that did Experian finally remove the account but they failed to acknowledge the deletion in writing, stating only that the item was not listed, despite the fact that it had been previously reported for over a year. 

I have never received my full consumer file, including dispute history, source of data, or investigation records. Experian continues to ignore this request, violating my rights under FCRA 609 and 611. 

I am requesting : Written confirmation that the XXXX account was deleted due to my dispute Full disclosure of my consumer file as required by law A formal investigation into Experians failure to correct inaccurate information for over a year, and their attempt to obscure that correction after legal pressure Their handling of this case appears to be an intentional effort to avoid liability, despite clear documentation proving their reporting was false. 

If I do not receive a formal settlement offer and written confirmation of deletion, my next communication will be through legal counsel. I am fully prepared to pursue this matter through litigation for damages under the Fair Credit Reporting Act.

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 2025-06-02 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: VA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal 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 2025-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
I purchased a XXXX XXXX XXXX  XX/XX/XXXX. XXXX XXXX XXXX  XXXX nj. 
The lender was Westlake financial. Westlake revoked my loan after being 1 day late the dealer called and said I must return the XXXX.i only had this XXXX  60 days. Deposit of {$2500.00} and a payment of {$500.00} that was made on XX/XX/XXXX .. I was called on XX/XX/XXXX and was told there was a problem with my loan. XXXX XXXX XXXX  was looking into it! Then I received a call saying they were going to reinstate my loan, didnt happen, then get a call saying everything was fine. Then on XX/XX/XXXX get a call saying my loan was revoked and needed to return to dealer first thing XX/XX/XXXX so they dont have to repo the vehicle. I cleaned and returned the XXXX  in cleaner condition then I received it.all this is going on and loan says current. No refund! No warranty refund! No loan disclosures at time of sale! I was given paperwork to sign and the dealer took my phone and answered the questions for me. I was having hard time taking to long .And I signed! nowhere was it disclosed the I was with a subprime lender with really bad reputation or that if your1 day late they take away your loan. Westlake financial still has loan as current and the dealer has the XXXX. Unbelievable! I need help! Im being taken advantage of of,

Company response to consumer: Closed with explanation