vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 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 dropped out after the first month and got incarcerated. The faculty continued to get grants and loans in my name without my written concent. I never signed any contracts with the fed student aid offices either. There no written contracts no promissory notes no contracts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rosebud Economic Development Corporation
State: TX

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

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 2025-10-31 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: CA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
b'Hello when the loan I had with GM financial matured in XXXX XXXX XXXX they said I owed $XXXX and it was my 8 deferred payments and I contacted them back and let them know I paid all my deferments and that was that until almost 2 1/2 years later when they repossessed the vehicle and now say I owe $XXXX, this is innacurate and the huge problem here is I have a Free and Clear Pennsylvania State Vehicle Title for this vehicle showing no lien holders and only myself and my wife as the owners, according to the state the have no right to this vehicle and are telling me that this is a fake title I got this in the mail from XXXX I want my vehicle back and even the state police said the have no right to said property and Im die my vehicle back immediately'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: SC

Complaint narrative:
I have several issues one is I referred many of my friends and family and Ive seen where they are set up on direct deposits for months and I never got the {$200.00} that was promised if they signed up and got direct deposits and still over a year leter and I still havent received my funds of the 5 people I have signed up and two funds where coming an going out of my account without my knowledge the fund would be moving from my checking to saving to being on hold for what reason I dont know those are my reasons and when I called I was met with attitude and constantly getting hung up on

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Bank : Marcus by Goldman Sachs I requested a wire transfer to an external bank as maturity instructions for a CD that matured on XX/XX/year>. This wire was expected to post on Wednesday, XX/XX/year> but has yet been credited as of Friday, XX/XX/year>. 

Account Holder : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Transaction Amount : {$220000.00} Scheduled Date of ACH : XX/XX/year> Actual Posting Date : Has Not Posted This delay has caused a financial and time impact of the following amount : Fee incurred for liquidating another CD prior to maturity because I needed funds : {$1600.00} Loss of rental income due to delay in closing with delay of funding : {$150.00} Time spent with Marcus agents to attempt a resolution : XXXX hours

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: LA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX XXXX XXXX XXXX  - DEPT OF ED/XXXX XXXX XXXXXX/XX/XXXX - {$2600.00} XXXXXXXX XXXX XXXX XXXX XXXX - DEPT OF ED/XXXX XXXX XXXXXX/XX/XXXX - {$1300.00} XXXXXXXX XXXX XXXX XXXX XXXX  - DEPT OF ED/XXXX XXXX XXXXXX/XX/XXXX - {$4500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX - DEPT OF ED/XXXX XXXX XXXX  - {$2300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$21000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$40.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} Inquiries : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: CO

Complaint narrative:
I am writing to formally dispute the presence of an account on my credit report that was opened without my knowledge or consent. This account reflects unauthorized and fraudulent use of my personal information, and I want to make it unequivocally clear that I did not initiate or authorize this account in any way.

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 2025-10-31 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: GA

Complaint narrative:
I am a consumer in the process of repairing my credit and am submitting a dispute to the Consumer Financial Protection Bureau ( CFPB ) regarding the following charged-off accounts across the three major credit bureaus. 

XXXX Account Number : XXXX Date of Charge-Off : XX/XX/XXXX Amount : {$6200.00} XXXX Account Number : XXXX Date of Charge-Off : XX/XX/XXXX Amount : {$22000.00} XXXX Account Number : XXXX Date of Charge-Off : XX/XX/XXXX Amount : {$22000.00} XXXX Account Number : XXXX Date of Charge-Off : XX/XX/XXXX Amount : {$8000.00} XXXX Account Number : XXXX Date of Charge-Off : XX/XX/XXXX Amount : {$7700.00} XXXX  Account Number : XXXX Date of Charge-Off : XX/XX/XXXX Amount : {$22000.00}

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 2025-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: NY

Complaint narrative:
As I look at my credit score, I see that I have a outstanding balance. Of over {$3000.00}. I'll send a dispute about a month ago if I'm not mistaken on transfusion. I will send the letter back stating that they wouldn't remove it.

Now i'm disputing it again.And I would like this remote from my account as it's affecting my credit score

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: VA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: FL

Complaint narrative:
I received an official email from Chime stating that no funds would be taken from my account until after XX/XX/year>. However, {$50.00} was deducted from my account today. I have contacted Chime XXXX by phone and chat, but no one has been able to help or return the funds. 

This is not a purchase dispute its a Chime system or policy error, and I urgently need this corrected. Please review this case immediately or issue a temporary credit while its being investigated. 

Attached is a screenshot of the Chime email confirming that no deductions would occur until after XX/XX/XXXX. 

Please confirm receipt and let me know when I can expect my funds to be restored. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, D.C. XXXX From : [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX. XXXX XXXX ] [ XXXXXXXX XXXX XXXXXXXX ] Subject : Formal Complaint Against XXXX XXXX XXXX and ChexSystems for Failure to Respond to Lawful Consumer Disputes Under the Fair Credit Reporting Act ( FCRA ) -- - Complaint : I, [ XXXX XXXX XXXX ], hereby submit this formal complaint to the Consumer Financial Protection Bureau pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), which mandates that consumer reporting agencies investigate all disputes regarding the accuracy or completeness of consumer information within thirty ( 30 ) days of receipt. On or about [ insert dates ], I duly submitted dispute requests to both XXXX XXXX XXXX XXXX XXXX and ChexSystems , Inc., challenging the accuracy and validity of the information they continue to maintain in their databases concerning my banking history. 

Despite the statutory obligation imposed by 15 U.S.C. 1681i ( a ) to conduct a reasonable reinvestigation and provide written results, both entities failed to respond to my lawful disputes. This noncompliance constitutes a direct violation of federal consumer protection law and has caused me continuing harm by precluding access to essential financial services, including the opening of legitimate depository accounts. 



This matter requires urgent attention, as both entities unlawful inaction continues to materially hinder my right to participate in the banking system and maintain financial stability. 

Respectfully submitted,

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 2025-10-31 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: VA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-10-31 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 bestow my anxiety concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. 
I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: MN

Complaint narrative:
The information being reported is inaccurate, incomplete, and not properly verified as required under the Fair Credit Reporting Act. Under FCRA 607 ( b ) and 611 ( a ), furnishers and credit bureaus must ensure maximum possible accuracy and verify disputed data. Since this account and the related inquiries can not be fully verified with proper documentation or permissible purpose, I am requesting immediate deletion of all unverifiable, inaccurate, and obsolete information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$210.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$440.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$8000.00} Inquiries : XXXX CARD - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX CARD - XX/XX/XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CARD - XX/XX/XXXX XXXX CARD - XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: CA

Complaint narrative:
I am submitting a formal identity theft blocking request under the Fair Credit Reporting Act ( FCRA ) Section 605B. I reviewed my credit file and discovered several hard inquiries that I did not initiate, authorize, or consent to. These inquiries include : XXXX XXXX - XXXX ; XXXX XXXX - XXXX ; XXXX OF XXXX - XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX ; XXXX BANK - XXXX ; XXXX AUTO - XXXX. I never applied for credit with these companies. My personal information was used without my permission. 



These inquiries were made as a result of identity theft, and I am requesting that you immediately block and remove them from my TransUnion credit report as required by FCRA 605B. Must be handled by the XXXX Department. 

I am attaching : A copy of my ID Proof of current address A pending police report confirming the identity theft A copy of my SSN Additionally, I am notifying you of my rights under FCRA 623 ( a ) ( 5 ), which prohibits a furnisher from re-reporting information that has been blocked due to identity theft unless they have certified the accuracy and completed a reinvestigation. Any future reappearance of these inquiries without a full legal basis will be considered a willful violation of federal law. 



Please respond with written confirmation that these inquiries have been removed permanently and that my case has been referred to your XXXX  department as required.

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 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: MO

Complaint narrative:
I called apple card support, the person who answered the phone refused to give me the card information. I am on XXXX, and I can not access the card number online since it is not printed on the card. I asked to speak to a supervisor, and they refused to give the card information as well. I called on Friday, XX/XX/2025. Because they refuse to give me the card information.

Company response to consumer: Closed with explanation