vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX Attn : Credit Reporting/Disputes Department [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX : Debt Dispute Letter Request for Validation of Alleged Debt Dear XXXX XXXXXXXX XXXX XXXX Department , I am writing to formally dispute the validity of a debt that your institution claims I owe. I recently received notice of this alleged debt ( or discovered it on my credit report ) and do not agree that I am responsible for it.

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting that you provide proper documentation to verify that this debt is valid and that I am legally obligated to pay it. Please include the following information : 1. The full amount of the alleged debt, including a breakdown of any interest, fees, or charges.

2. The name of the original creditor and a copy of any signed agreement or contract bearing my signature that substantiates this debt.

3. Documentation showing how you arrived at the balance claimed.

4. Proof that your institution has the legal right to collect this debt.

Until you provide the requested validation, I request that all collection efforts and negative reporting related to this debt cease immediately. Furthermore, if this debt is currently being reported to any of the three major credit bureaus, please mark it as in dispute while this matter is being investigated.

Please provide all requested information in writing to the address listed above. I am retaining a copy of this letter for my records.

Thank you for your prompt attention to this matter. I look forward to your response within the time frame allowed under the applicable federal laws.

Sincerely, XXXX 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 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OK

Complaint narrative:
I am suppose to receive alerts to my phone from chime for online transactions to be able to stop a fraudulent transaction and Chime failed to do so which caused a transaction of {$100.00} on XXXX XXXX to go through which i did not authorize. I took all the steps it said to do correctly on time and chime has done nothing, the money should have not ever been taken from my account especially online without alerting my phone to ask if i authorized it which they did not alert me first. Chime also took funds sent to my accoubt by another memeber in the amount of {$50.00} gor MyPay even though i received direct deposit from my job every two weeks and have added funds to my account before and it has never taken my funds before the my pay balance due date. Tgen tried to tell me it was how it worked, they are giving false info and details and taking money from accounts before the payments are due to be made

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/XXXX I drove to the bank to deposit a {$26000.00} hardship withdrawal loan that was issued to me on XX/XX/XXXX by my 401 ( k ) plan administrator XXXX XXXX XXXX. when I went into the bank to deposit my check initially it was going into my checking account but I asked the teller if I could put it into my savings account and I also asked her if doing so would cause any kind of an extended hold to which she answered no it would not. After my deposit was made a two day hold was placed on the funds I expected that. The following morning I logged into my account to see that there was now a 10 day hold placed on the funds as of yesterday the funds are now being held until the XXXX. I've been a customer of the Bank of America 's for 21 years. I have never had them place hold this long on my funds. I reached out to the bank Monday morning and after chatting with someone I found out that because I deposited the money into a newer account my savings account it caused an extended hold. Bank of America is refusing to help me. They have left me with no money to my name for days. I'm livid I've never been treated so poorly my life. I could have downloaded an app on my phone save myself 3 hours driving to XXXX from XXXX XXXX and had access to my money by now. But because I have a checking account and a savings account with the Bank of America I went to them.

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 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
Hi. XXXXXXXX XXXX XXXX  XXXX closed my account after I had been making payments. I lost my job. And each time I would try to make some kind of payment. They charged me a lot of fees. Today, XX/XX/year>, I went on my account it didn't look right, so I called, and they said the account was closed. I said I had been making payments I just got a job.

I was hurt because I had written to the company no one ever replied to me. Now I have ot fight to keep my credit score up.

I tried, and the only thing they thought about was fees and late payments. I had a great payment history before I lost my job. Now I am working and I have been receiving payments.

Sadly, American banks have gotten so greedy. I do not mind paying. But this is crazy

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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:
Dear Sir/Madam, I am submitting this filing to dispute inaccuracies related to my credit report as provided by the three major credit bureaus Equifax Below are the specific accounts in dispute, categorized by bureau : Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.0XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$550.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$540.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I need these accounts removed below I also attached information. 

XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : 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 2025-11-13 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-13 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-13 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: TX

Complaint narrative:
I am writing to formally dispute inaccurate information on my Equifax credit report and to request an investigation pursuant to my rights under the Fair Credit Reporting Act ( FCRA ). 

On the day of filing this dispute, I obtained a copy of my credit report and found the account listed above. This is my first time disputing this item with Equifax. 

I have no knowledge of this account with The XXXX XXXX XXXX XXXX ( XXXX ) or the original creditor " XXXX. '' The account is not recognizable to me, and I have never received any communication from this debt collector about it. I believe this information is inaccurate and unverifiable. 

Therefore, I request that Equifax conduct a reinvestigation of this item as required by FCRA 1681i. Specifically, I dispute the account in its entirety, including : The existence of a valid debt.

The account ownership.

The balance.

The accuracy of all dates and statuses.

As part of its legally required investigation, I require Equifax to obtain and review specific documentation from the furnisher, The XXXX XXXX XXXX XXXX, to verify the legal standing and accuracy of this account. This must include : XXXX. The complete chain of debt ownership, evidenced by the bill of sale or assignment agreement that specifically lists my name and the alleged {$110.00} account. 
XXXX. The original contract or agreement with my signature, proving I have a legal obligation to the original creditor, XXXX XXXX  '' If this information, particularly the proof of ownership and a valid signed agreement, can not be verified as accurate and complete within a reasonable time, the account must be permanently deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SG and Associates
State: DE

Complaint narrative:
Stafford Group and associates has called relatives of mine and now wants to speak about property that is not in my name.

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 2025-11-13 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: OH

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
Hi, -I would like to request a removal of the FNBO account that was reported to Chexsystems and XXXX XXXX as fraudulent and charged off for {$3600.00} in 2024. This status has prevented me from opening personal and business accounts. I will explain briefly what previously occurred. My car company offered me {$1000.00} for each referral, they sold XXXX cars to individuals on my behalf. After several ignored phone calls and emails to request reimbursement I decided to request payment from my bank because I continued to be ignored and was not reimbursed after months. I personally believe that its their ethical obligation to keep their promise and commit to their core values. Unfortunately, they failed to take responsibility which has caused a negative impact on my credit and because of this my business is suffering tremendously I can not open an account anywhere. Ive reached out to FNBO for months, requesting assistance with settling this fairly since the car company falsely advertised offers to sell cars but failed to make arrangements for the rewards promised. I disagree with the status of my account. I did not fraudulently initiate anything that that will jeopardize my reputation or the reputation of my company. I will not make decisions that will prevent me from accessing my account. At this time, May I kindly request a review. With the outcome of removing the account from my report. Any help with resolving this issue will be greatly appreciated. Please & 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 2025-11-13 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: NC

Complaint narrative:
Dear Sir/Madam, I am writing to file a dispute regarding inaccurate information on my credit report. Below are the details of the accounts in dispute, separated by bureau. 

Charged Off Accounts : 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 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 explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I hold no involvement with these accounts ; delete them 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 non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
i am writing to file a formal complaint regarding an account with Account Name : CAPITAL ONE XXXXXXXX XXXX XXXX XXXX XXXX  .i recently became aware of this account and am unsure about the validity of the debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
On XX/XX/year>, I received a file disclosure by email and I went to the bank to open bank accounts, savings ending-in XXXX ( {$50.00} deposit ) and checking account ending-in XXXX ( {$100.00} ) deposit ) but within a couple days I have not received a debit card and then XXXX XXXX XXXXXXXX deleted it my bank accounts and put in closure date is XX/XX/year>, also it noted it this bank account is at risk for the bank and customer and so they exercise their rights according to deposit agreement and disclosure. This is just new accounts and no check nor cash bounce to close /freeze my bank accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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 recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: NC

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation