vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-17 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: IL

Complaint narrative:
I was a victim of idenity theft. There is an item from XXXX XXXX with the account nubmer XXXX. That is on my credit report, that is not mine. I filled a dispute with the credit bureaus ; experian, equifax and transuion. In the report I put an Identity theft report from XXXX, an FTC report and number, a notarized affidavit, a copy of my id and socical security card, and the discriprtion of the item I was disputing. I also citied in the documents, FCRA 605b in my documents that says ; ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

I provied items 1-4 and demanded the bureaus block the item from XXXX  with account nubmer XXXX. They refused to block. Please have them blcck this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
New, sealed Visa gift card. The package was NOT tampered or resealed. After removing the Visa card, and removing the sticker on the front of the card, four of the digits of Visa numbers were scratched off or not printed. The missing numbers are not stuck to the sticker. This is an intentional manufacturing defect designed to steal money. Here is a video of someone opening multiple untampered, sealed gift cards from the same company, illustrating the problem : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX Debt collector attempting to collect a debt not owed I never received any letter or notice about owing any debt collectors or XXXX  for that matter these are fraudulent charges I dont owe anything to anyone. XXXX is in violation for violating the privacy act of 1974 furnishing my information to unknown sources without my knowledge and attempting to collect fraudulent debt. I mailed XXXX XXXX XXXX A CEASE & desist letter ceasing all communication only communication should be letting me know that these fraudulent debt charges were removed from my consumer report. I challenged the filing date, and requested debt validation neither XXXX XXXX XXXX XXXX produced any documents containing this alleged 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 2025-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
I have made multiple payment attempts on the auto loan ( online, phone, in person on XX/XX/XXXXXXXX  ), all rejected by VyStar. XXXX XXXX XXXX, which was handling my credit card debt, sent a rescind letter to Vystar, confirming the cease-and-desist only applied to my credit card debt and personal loan, but VyStar rejected it on XX/XX/XXXX, in person, due to the account numbers in question being on the rescind letter from XXXX. A revised letter, including the accounts for clarity as requested, was sent on XX/XX/XXXX, but VyStar rejected it again. Subsequently, XXXX XXXX XXXX withdrew their involvement and refused to negotiate further, and VyStar closed my credit card account and refused to speak with me or XXXX XXXX XXXX  leaving the credit card debt unresolved. VyStar has also locked access to my auto loan and boat loan. Both were current until XX/XX/XXXX and XX/XX/XXXX. Despite the boat loan being current with a market value of {$25000.00} ( loan balance {$14000.00} ), Vystar is preventing payment or management, and is pursuing repossession of both my truck and boat, which is unjustified given the boat loans status and the auto loans minimal delinquency. 
I purchased the XXXX XXXX XXXX on XX/XX/XXXX, with a {$3000.00} down payment, and VyStar financed {$42000.00}, totaling $ XXXX exceeding the trucks market value of approximately {$24000.00} {$27000.00} at the time of purchase. Within 60 days of purchase ( by XX/XX/XXXXXXXX  ), I attempted to refinance the auto loan with VyStar to secure better terms. A VyStar consultant informed me they could not refinance due to the trucks value, stating that VyStar should not have approved the original loan because of a title discrepancylisted as XXXX XXXX instead of XXXX XXXX The consultant blamed XXXX XXXX for the error but took no action to correct the loan terms or title, leaving me with an inflated loan. After a XXXX  complaint removed {$6000.00} in unwanted warranties, the balance is now aprox {$37000.00}. XXXX XXXX documentation shows XXXX XXXX features but XXXX XXXX pricing ( {$37000.00} ), with the title error flagged during the XXXX  signing, as documented in a video the dealership possesses. VyStar, as the lienholder, failed to address this despite their consultants admission, while i was in their XXXX branch attempting to refinance, the same day I opened a credit card account, contributing to the overvaluation, potentially violating the Truth in Lending Act ( TILA ) and Floridas Deceptive and Unfair Trade Practices Act ( FDUTPA ). As of XX/XX/XXXX, the trucks market value is approximately {$19000.00} {$22000.00}, further evidencing the overvaluation.

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 2025-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I am writing to express my concern and deep dissatisfaction regarding the recent closure of my Bank of America checking account [ insert last 4 digits of account ]. I have been a loyal customer for over 10 years. On [ insert date ], I deposited a tax refund check which was placed on hold for 3 business days, then delayed for an additional 2 days. Shortly thereafter, I found my account was restricted, and eventually, I lost all access. I was later informed by phone that the account had been closed, but I received no notice in advance, and the closure letter I later received provided no reason. 

This action has caused me substantial financial hardship, including return payment fees for multiple ACH transactions and disruption of essential financial services. 

I am requesting : A full explanation and the reason for the account closure. 

A complete copy of my account transaction history. 

A return of any remaining balance. 

I am also filing a complaint with the Consumer Financial Protection Bureau. I hope Bank of America will act in good faith to resolve this issue promptly.

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 2025-05-17 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Kikoff Inc.
State: NY

Complaint narrative:
I have never had a credit card or bill in my name. But yet my credit report shows that someone has

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: SC

Complaint narrative:
b'TransunionXXXX XXXX XXXX: This account is listed on my credit report and is inaccurate. I have no knowledge of this account and believe it may have been reported in error.  XXXX XXXX XXXX XXXX XXXX  This account is incorrect. I do not recognize this account, and I request a thorough investigation into its legitimacy. XXXX XXXX XXXX: This account is disputed as well. Please investigate its validity and remove it if it is found to be erroneous. XXXX XXXXExperianXXXX XXXX XXXX XXXX This account is incorrect. I do not recognize this account, and I request a thorough investigation into its legitimacy. XXXX XXXX XXXX: This account is disputed as well. Please investigate its validity and remove it if it is found to be erroneous.  XXXX XXXXEquifaxXXXX XXXX XXXX XXXX  This account is incorrect. I do not recognize this account, and I request a thorough investigation into its legitimacy. XXXX XXXX XXXX This account is disputed as well. Please investigate its validity and remove it if it is found to be erroneousXXXX XXXX XXXX XXXX XXXX  Solutions: This account is incorrect. I do not recognize this account, and I request a thorough investigation into its legitimacyXXXX XXXX XXXX XXXX: This account is disputed as well. Please investigate its validity and remove it if it is found to be erroneous.  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 2025-05-17 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: SC

Complaint narrative:
b'TransunionXXXX XXXX XXXX: This account is listed on my credit report and is inaccurate. I have no knowledge of this account and believe it may have been reported in error.  XXXX XXXX XXXX XXXX XXXX  This account is incorrect. I do not recognize this account, and I request a thorough investigation into its legitimacy. XXXX XXXX XXXX: This account is disputed as well. Please investigate its validity and remove it if it is found to be erroneous. XXXX XXXXExperianXXXX XXXX XXXX XXXX This account is incorrect. I do not recognize this account, and I request a thorough investigation into its legitimacy. XXXX XXXX XXXX: This account is disputed as well. Please investigate its validity and remove it if it is found to be erroneous.  XXXX XXXXEquifaxXXXX XXXX XXXX XXXX  This account is incorrect. I do not recognize this account, and I request a thorough investigation into its legitimacy. XXXX XXXX XXXX This account is disputed as well. Please investigate its validity and remove it if it is found to be erroneousXXXX XXXX XXXX XXXX XXXX  Solutions: This account is incorrect. I do not recognize this account, and I request a thorough investigation into its legitimacyXXXX XXXX XXXX XXXX: This account is disputed as well. Please investigate its validity and remove it if it is found to be erroneous.  XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: SC

Complaint narrative:
I had sent money to to wrong recipient and requested that the transaction be canceled by the chat support team. The chat support rep stated that my refund was not fully guaranteed. I asked for a supervisor, stated in XXXX terms and conditions, money sent that is still in transit can be canceled and the money will be refunded within 10 business days. It took her 40 minutes for something that could be done with a click of a button.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit card — Store credit card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
this past month Ive been trying to get ahold of creditor, I started calling the first week of XX/XX/2025, I would be calling at least 10 times a day and but I would be put on a 30 minutes hold and then the call would just get disconnected. I even looked on the website for other numbers, nothing and I also called the store where I applied and they told me to call customer service about resolving the issue they really werent much help. I try to call the same number hoping someone will answer and help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: TX

Complaint narrative:
I hope this message finds you well. I am writing to dispute a charge on my credit that I did not authorize. Below are the transaction details : Date of transaction : XXXX  Amount : {$10000.00} Merchant Name : Discover bank I did not authorize this service or transaction and believe it to be fraudulent. 

I kindly request that you initiate an investigation into this matter and reverse the charge from my credit. Additionally, I would appreciate your guidance on how I can further secure my credit to prevent similar incidents in the future. 

Please confirm receipt of this letter and inform me of any additional steps I need to take. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Im simply asking for a correction to my credit report. Im not able to access the portal online for whatever reason, The creditor agreed to remove the late remarks from my credit, I've attached the letter for correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Chime Financial Inc
State: DE

Complaint narrative:
I mobile deposit my paycheck into my chime bank account on XX/XX/year>. After seeing how lengthy the processing time will be. I called to cancel my deposit. Chime has a 24 hr deposit cancellation policy. I was in that 24hr window. Chime refused to cancel my deposit, and also it suggested that I go and try to cash my paycheck somewhere else while they are still processing my check. This seems pretty illegal to me. I was told that my check has been accepted and verified but I will still have to wait 6 days and they will not cancel my deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This account was charge off on the following date XX/XX/year>, since then the account has repeatedly been updated as charge off every month. This is an update in the payment history. A charge off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitation. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account. 
Account name XXXX Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: IL

Complaint narrative:
This account was charge off on the following date XX/XX/year>, since then the account has repeatedly been updated as charge off every month. This is an update in the payment history. A charge off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitation. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account. 
Account name 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 non-monetary relief
Consumer complaint received 2025-05-17 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: OH

Complaint narrative:
I want the following inquiries to be removed because I did not authorize these companies to run my credit it is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: OH

Complaint narrative:
I want the following inquiries to be removed because I did not authorize these companies to run my credit it is fraudulent.

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 2025-05-17 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: MD

Complaint narrative:
In a

ccordance with the Fair Credit Reporting Act. The list of accounts and/or inquires below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C. 1681. XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX, reported XXXX XXXX XXXX XXXX XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX. Account Name : XXXX XXXX BANKRUPTCY, Reference No. XXXX XXXX. Account Name : XXXX  XXXX Bankruptcy, Reference No. XXXX XXXX. Inquiry : XXXX XXXX XXXX XX/XX/year> XXXX. Inquiry : XXXX XXXX XXXX XXXXXX/XX/year> XXXX. Inquiry : XXXX XXXX XX/XX/year> and XX/XX/year> XXXX. Inquiry  : XXXX  XX/XX/year> XXXX. Inquiry : XXXX XX/XX/year> XXXX. Inquiry : XXXX XXXX XXXX XX/XX/year> has violated my rights.

15 U.S.C. 1681 Section 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I am being charged different than other students that are in the same program, and I have been paying out of pocket each term when other students are not being charged this extra amount. I reached out to XXXX XXXX  and they denied not charging me any different than other students in my program. A few of my cohorts were kind enough to show me their invoice and there is a difference of around {$2000.00} were I am being charged extra for no apparent reason. This has been going on since I began the program back in XXXX, but I just found out after meeting my XXXX  and they shared this information with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


Subject : Request for Immediate Removal of Accounts Due to Lack of Verification Dear TransUnion, I am writing to formally dispute the following accounts listed on my credit report, as I have not received any documentation or proof of verification for these accounts. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request such documentation, and the absence of it necessitates the immediate removal of these accounts from my report. 


Accounts in Dispute : 1. Credence Resource Management Account Number : XXXX Amount : {$590.00} Date Opened : XX/XX/XXXX I have made several attempts to obtain proof of verification, but no documentation has been provided. Therefore, I request that you remove these accounts from my credit report within 7 days of receiving this letter. 


Please consider this letter as my official request for the removal of the disputed accounts due to the lack of substantiating documentation. I appreciate your prompt attention to this matter and look forward to your immediate response. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief