vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-01 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: MS

Complaint narrative:
I am filing this complaint against XXXX, a financial services provider, regarding inaccurate and unfair credit reporting. 

XXXX has been reporting a negative payment history on my credit report for an unresolved balance of {$7.00}. However, the company suspended my account, which has prevented me from accessing the account or making any payments to resolve the balance. I have made multiple attempts to contact XXXX and fix the issue, but have been unsuccessful in getting assistance or access to pay the outstanding amount. 

Despite the account being locked and inaccessible to me, they continue to report the {$7.00} balance as delinquent. This has negatively impacted my credit report and score. I believe this is an unfair and possibly unlawful practice under the Fair Credit Reporting Act ( FCRA ), as I am being penalized for a balance I have no ability to resolve due to their actions. 

I am requesting that : XXXX immediately cease reporting this negative account activity, The {$7.00} negative balance be removed from my credit reports with all bureaus, and This issue be investigated and corrected without further delay. 

I am providing all supporting documentation, including communication history and screenshots, as evidence of my attempts to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Marlette Funding, LLC
State: CT

Complaint narrative:
To whom it may concern, In XXXX of 2024 I started to receive numerous emails, phone calls and text messages that were obvious scams to try to get me to click on links to confirm subscriptions to websites and companies that I had never done business with. After this persisted, I was forced to change my email and phone number. While transitioning away from my old phone number I received a call from a person identifying themselves as a representative from Best Egg. The Best Egg representative informed me that they were calling to setup payment for an outstanding loan that I had taken out for {$27000.00}. I told the representative that I had no knowledge of this loan and had not authorized it. They let me off the phone without transferring me to a supervisor or the fraud department. After not hearing back I figured this was a closed issue and that Best Egg found the issue on their end. Ive now received notification that this unauthorized loan has been sent has been sent to XXXX XXXX XXXX XXXX for collections. Until receiving notification initially from Best Egg I have never heard or done business with this company. As of now I am trying to prove that I did not start or sign off on this transaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: AZ

Complaint narrative:
I am writing to formally dispute and request the immediate removal of inaccurate information from my Equifax credit report. My personal information may have been compromised in the Equifax data breach, and as a result, my credit report now reflects multiple accounts that are inaccurate, misleading, or do not belong to me. 

In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of the following accounts and that they be removed from my credit report if found to be unverifiable or inaccurate. Furthermore, I request that you provide me with a description of the reinvestigation procedure within 15 days of this request, as required under 15 USC 1681i ( a ) ( 7 ), to remain in compliance with FCRA guidelines. 

The disputed accounts are as follows : XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX {$3700.00} XXXX ( Closed ) {$0.00} XXXX XXXX XXXX {$7500.00} XXXX XXXX XXXX XXXX {$5300.00} XXXX XXXX XXXX XXXX ( Closed ) {$0.00} XXXX ( Closed ) {$0.00} I am requesting that Equifax conduct a thorough reinvestigation of each item listed above. If the items can not be verified, please delete them immediately from my credit report, as is my right under the FCRA. 

Please respond to this dispute in writing within the time frame required by law. I expect all inaccurate or unverifiable information to be removed promptly, and for you to send me an updated copy of my credit report showing these corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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 writing to formally notify you that I have been a victim of identity theft and a data breach. As a result, fraudulent accounts have been opened in my name without my authorization. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 )

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 2025-06-01 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: NC

Complaint narrative:
I am writing to formally notify you that I have been a victim of identity theft and a data breach. As a result, fraudulent accounts have been opened in my name without my authorization. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: CA

Complaint narrative:
I am filing this complaint against Chime due to significant issues and delays regarding the return of my funds after an account closure, their failure to contact me prior to escheating my funds, and their complete lack of proactive engagement in resolving this matter. My Chime account was also closed because I initiated a ticket to address this issue.- My Chime account was closed on XX/XX/XXXX, at XXXX XXXX  PDT, when I received an " Account Closure Notification '' email from XXXX Despite the account closure occurring in XX/XX/XXXX, Chime did not inform me about the status of my funds. It was not until XX/XX/XXXX, that I found out, through communication initiated by me, that my funds were escheated from my account by Chime 's bank partner on XX/XX/XXXX. Furthermore, Chime indicated that these funds were then forwarded to the state on XX/XX/XXXX. Chime, not once, reached out to help resolve this matter ; I had to proactively open a ticket to even get this information.- This timeline reveals a substantial delay of over three years between the account closure and the escheatment of my funds, and then an additional five-month delay before the funds were actually forwarded to the state. Crucially, I was not contacted by Chime prior to my funds being escheated and forwarded to the state. Furthermore, when I checked the state controller 's unclaimed property website, I found no record of these funds.- I am seeking the CFPB 's intervention to investigate Chime 's procedures regarding the handling and timely release of funds after account closure, their failure to notify me before escheating my funds, the closure of my account after I initiated a support ticket for this issue, and the significant delays experienced in my case. I request the CFPB 's assistance in facilitating the prompt return of my escheated funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing this complaint regarding a business credit card account with Bank of America that was closed by the bank. The outstanding balance on the account is approximately {$13000.00}. I have been making consistent minimum payments of {$420.00} each month. However, after the account closure, the bank started charging me nearly {$280.00} in additional fees monthly something that never happened before the account was closed. 

These fees make it nearly impossible to pay down the balance. I am concerned that this is a form of predatory lending or abusive billing. I request that this be investigated and the unjustified fees removed.

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 2025-06-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I have been a regular customer of PNC bank for many years. Around XXXX of XXXX  I spoke to a personal banker ( XXXX XXXX ) about a consolidation loan. She was my branch sales and service representative. S he said it could save me money and would be beneficial in the long term. I decided to go trough with the transaction. After about a year, my minimum payment went up to around {$300.00} a month. I was paying {$300.00} or more dollars a month for quite a while and never seeing my balance go down. On Tuesday XX/XX/XXXX around XXXX, I called the bank ( XXXX ) to talk to a banker. I wanted to know why I was paying {$300.00} or more dollars a month and never seeing my balance go down. He informed me that in addition to the regular interest, I was also being charged {$200.00} a month finance charge. No where on this green planet did I ever agree to or consent to paying a {$200.00} a month finance charge. I am filing this complaint for this reason

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: IA

Complaint narrative:
My consumer report/ social security number had been leaked in a data breach so I have a serious amount of fraud and identity theft on my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: MA

Complaint narrative:
This account was charged off on the following date ( XX/XX/year> base on your report ). Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. Furthermore, the account balance is inaccurate. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights and caused me financial burden. I am asking you please to delete the following account. 
Accounts Name : XXXX  XXXX Account Number : XXXX Thank you.

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 2025-06-01 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX all id theft/fraud accounts naver open accounts The Fair Credit Reporting Act ( FCRA ) is a federal law enacted to promote the accuracy, fairness, and privacy of consumer information held by consumer reporting agencies ( CRAs ) like credit bureaus. It aims to protect consumers from inaccurate data being included in their credit reports and regulates how consumer information is collected, used, and disclosed and refuse to remove/delete from id theft requesting block from all reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: FL

Complaint narrative:
This is a formal complaint regarding a serious violation of the Fair Credit Reporting Act ( FCRA ). Please do not respond with a generic template or automated denial. This case involves a breach of federal privacy protections, and I am requesting legal investigation and formal remediation. 

On XX/XX/year>, I placed a security freeze on my LexisNexis Risk Solutions consumer file. This freeze remains active, as confirmed in the LexisNexis Consumer Disclosure Report ( section : Consumer Alerts Active : Yes ). 

Despite the freeze, XXXX XXXX XXXX accessed or received information about my motor vehicle history and personal data from LexisNexis. This access is visible : In my LexisNexis report, where XXXX is listed under source entities And confirmed in written communication with XXXX stating that LexisNexis and XXXX  were the sources of data used for underwriting I never authorized a thaw or release of data while the freeze was in effect. 

This constitutes a violation of : FCRA 604 ( a ) ( 2 ) Data may not be accessed without permissible purpose or consent FCRA 609 ( a ) I have the right to know what was accessed and why I am requesting the following action : Immediate deletion of all LexisNexis data related to driver history, auto insurance policies, or vehicle-related records A detailed access log showing who requested my file, when, and under what basis Formal confirmation that my security freeze is in place and will be honored fully moving forward I am attaching : A screenshot from my LexisNexis file showing the active freeze A copy of the email from XXXX referencing LexisNexis as a source If unresolved, I will escalate this matter to the Federal Trade Commission , the Florida Attorney General, and pursue civil litigation if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: LA

Complaint narrative:
I as a student borrowXXXX XXXX has improperly used my private personal information and have not protected the data from the transfer of securities. This breach of information is negatively impacting my personal financial reputation and should be updated in your information systems. 1 ) ( A ) " Breach of the security of the system '' means unauthorized acquisition of computerized or other electronic data or any equipment or device storing such data that compromises the security, confidentiality, or integrity of personal information maintained by the person or entity doing business on behalf of. Please update payment accounts on time

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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:
I've recently received my a copy of my credit report and i noticed several inaccuracy and unauthorized accounts information reporting to my credit report, these remark have been detrimental to my every day wellbeing and credit health.

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 2025-06-01 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: FL

Complaint narrative:
I've recently received my a copy of my credit report and i noticed several inaccuracy and unauthorized accounts information reporting to my credit report, these remark have been detrimental to my every day wellbeing and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, I deposited a check via mobile deposit. No portion of the check was released. Instead, I received an email stating it would be on hold until XX/XX/XXXX when the check was expected to clear. 

On XX/XX/XXXX, after attempting to check my account online, I realized that something was wrong with my account. I called customer service who advised they could not tell me any info on my account and I had to go in to a branch. The branch advised that my account was in the process of being closed and I could never bank with TD again. 

On XX/XX/XXXX, the check cleared but then I was told that the fraud department still had a hold on the account. If the check cleared, obviously the check writer paid it and it should no longer be considered a risk to TD Bank. Therefore, the reason of the check not being verified is not a valid one. 

Instead, Ive been given the run around. No one has any valuable answers for me. Everyone is just pointing the finger in the other direction. 

The funds have now been sitting in my bank account cleared for over a week. I have asked the branch staff to submit 4 separate request for the closure of my account to be expedited so that the funds can be released to me, to no avail. 

I have not even been provided anything in writing explaining what is going on with my account. I only know because I keep wasting my time and gas to go in to the branch daily.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I did a voluntary repossession, and the company still has not picked up the vehicle and continue reporting on my credit reports daily. This can't be legal. The vehicle 's location is XXXX XXXX XXXX XXXX XXXX  XXXX. The person to pick the vehicle up from is XXXX XXXX. I provided this information to ALLY multiple times. I am no longer trying to make payment or want phone calls about this vehicle. I am no longer able to afford to continue paying on this vehicle. I contacted ALLY in XX/XX/year> and it is XX/XX/year> and the vehicle still has not been picked up. They sent me a repossession letter in XXXX and yet still has not picked up my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There is an account on my credit report under the name of XXXX XXXX XXXX and after carefully investigating this account it seems that 2 other company also claim I own them the seem amount of money for the same account... 

I already requested valid documentation from Equifax and Transunion that shows how they allowed this account under the name of XXXX XXXX XXXX on my report and till the date none of my requested signed and dated documentations was send to my person. 

I CLEARLY REQUESTED THE BILL ACT/ PURCHUSING BILL RECEIPT THAT SHOWS FOR HOW MUCH THIS ACCOUNT WAS BOUGHT FROM XXXX  XXXX. 

Equifax and Transunion are collaborating with these 3 companies to rip me and scam me off. 

Also XXXX XXXX XXXX is passing all of my personal and federal information to other companies violating all of my consumer rights and sharing information of my person without my consent

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 2025-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: WA

Complaint narrative:
on XX/XX/year> I opened an account with robinhood. That day I deposited bitcoin ( BTC ) in the amount of XXXX BTC. on XX/XX/XXXX I made a BTC deposit of XXXX. On XX/XX/XXXX I deposited XXXX BTC. on XX/XX/XXXX I deposited XXXX BTC. on XX/XX/XXXX I deposited XXXX BTC. I had sold XXXX and XXXX and with drew the money to my personal checking account. The balance on m account is currently at XXXX BTC currently valued at {$4700.00} USD. On XX/XX/XXXX I noticed the app said my accoid was inactive and I no longer have the ability to sell or transfer BTC or anything else with my account. I filled out the form with my personal information again as requested by the app, however I have received no email or massages explaining why I no longer have access to my account. I contacted customer support with the chat function on the app. I was given no explanation and told to wait for an email. It has now been several days and I have received no email or communication from Robinhood. I would like to have access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There is an account on my credit report under the name of XXXX XXXX XXXX and after carefully investigating this account it seems that 2 other company also claim I own them the same amount of money for the same account... 

I already requested valid documentation from Experian that shows how they allowed this account under the name of XXXX XXXX XXXX on my report and till the date none of my requested signed and dated documentations was send to my person. 

I CLEARLY REQUESTED THE BILL ACT/ PURCHUSING BILL RECEIPT THAT SHOWS FOR HOW MUCH THIS ACCOUNT WAS BOUGHT FROM XXXX  XXXX. 

EXPERIAN is collaborating with these 3 companies to rip me and scam me off. Also XXXX XXXX XXXX is passing all of my personal and federal information to other companies violating all of my consumer rights and sharing information of my person without my consent

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