vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-04 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: TX

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-04 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: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need to have deleted will be attached in a pdf document. I have several accounts that I DID NOT apply for listed on my credit report. My information was exposed in the XXXX  Data Breach and as a result someone opened up several fraudulent accounts in my name. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the report. According to FCRA 6058B this information must be blocked within 4 days. XXXX has been slow in responding to my request via postal mail so now I'm involving the CFPB. This inaccurate information is causing me lots of stress and discomfort and embarrassment.

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 2025-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
On a call with Regions Bank, back on XX/XX/year>, I settled my debt with XXXX 's proposed amount of {$2100.00}. 

The rep on the phone that collected the payment 1st put me on hold for a bit after I asked if I could settle on the spot. With permission from her superiors, Regions Bank offered me the amount of {$2100.00} to settle the debt. I paid it immediately. I asked for mail stating this had been done and the we have settled the debt.

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 2025-05-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: TX

Complaint narrative:
Good afternoon noon my name is XXXX XXXX. I am still waiting on my account refund. My account was put on a hold on XX/XX/XXXX, and was closed on XX/XX/XXXX. I have over {$800.00} in my account that I am needing refunded. I was told my account was closed and that I will not receive a refund until I sent a picture of my ID front and back, my social security card, proof of transactions from the day my account was put on a hold, and proof of residency. I sent the information they asked for multiple times and each time I was told I am not eligible for a refund at any point. In the email saying when i account was closed It says After a recent review of your account, weve found that it does not comply with the terms of the Deposit Account Agreement. Your account has been closed by Chime and is not eligible for a refund. For more information, please review the Amendment and Cancellation section of the Chime Deposit Account Agreement.

I read the agreement and can not find what I did wrong. When I ask what I violated specifically, I do not get a clear answer, I have talked to multiple people including people in charge. When I call for information they tell me to email chime services, but when I email them they say they can not provide information and give me the same email about not being eligible for a refund. I have emails I sent on date : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XXXX/XXXX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XX/XX/XXXX. These dates are not including phone calls that I have made since the day it was closed. The day my account was put on a hold, I had changed my address because I had just moved into a new apartment, the next day I transferred {$140.00} from my external bank which was already connected long before this to my chime credit builder account. There was nothing I did to make my account get closed, no suspicious activity. I had been using chime for a couple of months already and always moved money back and forth for bills and for my credit builder card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BTH Management
State: WI

Complaint narrative:
I filed a dispute with all three credit bureaus. This is a third party collection agency and the account in question wasnt taken out by me. They also contacted several family members and friends of family to get my information. they have been more than harrassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: NC

Complaint narrative:
Reporting inaccurate information. XXXX, XXXX, Experian, XXXX XXXX. 

I reported inaccurate information online, by mail, by calling all XXXX above and I keep getting the run around. 

First my name is listed incorrect. 

Second they have an unknown phone number listed for my fraud alerts. 

Third I requested all old paid in full XXXX balance Closed accounts be removed/deleted. 

XXXX : There's a collection that isn't money reporting and I requested a courtesy deletion. I reached out to the collection agency and all credit bureaus. 

Last : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  and XXXXXXXX XXXX XXXXXXXX.... I applied as a co-signer for a family member for both of these dealerships one time each and they both unauthorized ran my credit together over XXXX times for different lenders and it's reporting individually on my reports. When I called and asked each dealership they told me that in 30 days they will all combine as one and I should only see one inquiry which was a lie.

These said things above are affecting me with getting a new home and upgrading my vehicle and I was even denied a second job in the banking industry due to these.

Please help CFPB This is not my account. I have no knowledge of this account. 15 USC 1681b Requesting for prompt removal. Also, inaccurate information is being reported.

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 2025-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XXXX XX/XX/year>, I received the attached notice from Bank of America of changes to their terms of service for our XXXX credit card. Among the changes is this : " Right to Refuse Payment - We added language to clarify our right to refuse any payment. We reserve the right to refuse any payment if that payment will create, or if the account already has, a credit balance as of the day we receive the payment. '' For customers like us who pay our credit card bills in full every month, this opens us up to being charged fees and having our credit score sullied! If we accidentally send them an extra penny, they can refuse the payment, then add a late payment fee and interest to our account, and report a late payment to the credit reporting agencies.

Refusing a legitimate payment should NOT be allowed!

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 2025-05-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I tried calling the company with the provided phine number on my credit report and it is either out of service/ doesn't exsist/ changed so that I can not personaly call to have removed. 


Company Date of inquiry Address Phone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Hi My name is XXXX XXXX. A couple of years ago I purchased a wedding ring on XXXX XXXX with the store credit card. The day of the purchase the seller on the store told me I have XXXX  years with no interest and after the XXXX  years XXXX XXXX had my regular interest. After the XXXX years went by making every payment on time and being a customer them for XXXX years with execellent credit history they charged me retroactive interest of {$2000.00} which was not what we agreed upon the purcharse. I called customer service and speak with several people including a supervisor, even offer to paid the full amount without retro interest and no one try to sort things out. Even got rude responses and horrible service. I feel lied and cheated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: TN

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with Section 605B of 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 non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit & Collection Recovery Services, Inc.
State: PA

Complaint narrative:
Credit & Collections in XXXX, AL placed a collection account on my credit report without ever providing me with any written notice or validation of the debt as required under the FDCPA. I was not given an opportunity to dispute or request verification withing the requested required 30-day window. 

I discovered a collection account on my credit report dated on XX/XX/year>2025. I never received a written notice from the collection agency identifying the original creditor, amount of the debt, or my right to dispute the validity of the debt. This is a clear violation of 15 U.S. Code 1692g ( a ), which requires that a collector send a written notice within 5 days of the initial communication.

I have not attempted to contact the collection agency, because I do not trust they will be responsive to me ( or honest ) and I have not received any response or proper documentation. Reporting a debt to a credit bureau without first providing proper notice violates both the FDCPA and FCRA under the section that prohibits furnishing information to a credit reporting agency that is inaccurate or incomplete.

The only information I have about this alleged debt is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2025-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The account on my credit file for XXXX XXXX and XXXX is not mine, XXXX continue to not throughly investigate and place on my credit file,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
On XX/XX/XXXX, Bank of America took a duplicate payment ( two payments ) for the full amount of my bill. When I saw this on my checking account ( not with BofA ), I called them on XX/XX/XXXX. Was told they would issue a refund that may take up to 10 days. On XX/XX/XXXX, I called again b/c my mortgage is taken by auto-pay ( not with BofA ) and would be taken on XX/XX/XXXX. After holding for almost an hour, the rep said " We're still within the 10 days, nothing I can do. '' I called again on XXXX XXXX and I had to argue to speak to a supervisor. I was then told that " the electronic refund did not go through and a hard check was cut on XX/XX/XXXX '' ( which I had not received ). I wrote a letter to BofA 's " XXXX of XXXX XXXX, XXXX XXXX XXXX '' mailed XX/XX/XXXX explaining the situation and stating, " I WANT MY MONEY '' after my checking account is a mess because BofA is holding {$870.00} of mine. I believe most people would rely on that amount of money for bills and expenses ( it's not like it was {$50.00} ). No check was received. My electronic refund processed on XX/XX/XXXX. On XX/XX/XXXX, the " corporate escalation '' rep called and blamed the Post Office ( I get mail all the time ; I guess somehow the post office found and kept that check from delivery ) and also said " your bank refused the refund. '' I have been with my credit union ( my only bank account for checking/savings ) for 43 years. I called them and they said they systematically NEVER refuse a refund. I was angry and told the rep that I have paid my bill for BofA electronically 12 mos per yr for 22 yrs, they were able to TAKE two payments electronically, why couldn't I be refunded? I also told her that we both knew the amount of late fees and penalties BofA would have assessed on me if I had been 35 days late on their payment. The rep said " BofA is not prepared to do anything in response to an unhappy customer. '' I am in the process of canceling my card with them, obviously, but I feel absolutely battered by their lack of customer service and concern for a long-term, loyal customer. This was the only credit card I used for 22 yrs. I just want other people to know that BofA 's customer service is not helpful and they have no regard for their customers.

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 2025-05-04 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: GA

Complaint narrative:
Im reaching out because Ive been impacted by a data breach that exposed my personal information. Since then, Ive discovered several fraudulent accounts and credit inquiries on my credit reportsaccounts and inquiries that I never authorized or opened.

These unauthorized accounts are hurting my credit and financial stability, even though I had no involvement with them. Im worried about the long-term damage this could cause, especially since Ive already tried contacting the credit bureaus and some creditors directly but havent had the fraudulent information removed.

Im formally asking for your help to have these fraudulent accounts and inquiries blocked and deleted from my credit reports, as allowed under the Fair Credit Reporting Act. Ive attached the necessary documents to back up my request. Please see the following fraudulent accounts and inquires below : XXXX XXXX XXXX XXXX XXXX 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 2025-05-04 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: GA

Complaint narrative:
I am submitting this complaint against TransUnion, Equifax, and Experian for violations of the Fair Credit Reporting Act ( FCRA ). Despite multiple disputes and federal complaints, all three agencies continue to report inaccurate, outdated, and unverifiable information on my credit reports. This includes federal student loan accounts ( Dept of EducationXXXX ) misreported as 90 days past due, charged-off credit card accounts ( e.g., XXXX XXXX, XXXX, XXXX ) with unresolved or improperly verified disputes, and inconsistent derogatory reporting across bureaus. These violations fall under 15 U.S.C. 1681e ( b ), 1681i, 1681g, and have caused me financial harm and emotional distress. I request the CFPB investigate and require the bureaus to correct or delete all inaccurate data

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 2025-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am submitting a formal complaint and dispute regarding a charged-off account reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , referenced above by its partial account number XXXXXXXX XXXX XXXX XXXX XXXX 

I am requesting that this account be removed from my credit report due to the following reasons : I believe it may be inaccurate or unverifiable, or Its reporting is outdated and no longer reflects my current creditworthiness, or The creditor has not provided sufficient documentation to validate the debt when previously requested. 

This charge-off continues to negatively affect my credit profile, and despite efforts to resolve the matter directly, I have received no satisfactory response or verification from the creditor or the credit reporting agencies. 

Under the Fair Credit Reporting Act ( FCRA ), I request that this account be fully investigated and, if not properly validated, removed from my credit report. I respectfully ask that this issue be resolved within 30 days, as required under the FCRA, and that I be provided with written confirmation of the outcome. 

Thank you for your attention and timely handling of this matter. I look forward to your response. 

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 2025-05-04 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: TX

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> TransUnion

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