vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: General Motors Financial Company, Inc.
State: AR

Complaint narrative:
Debt collector called, filing a lawsuit after 17 years and my ex wife that's now dead used my identity to get a car loan

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
After moving out of the property, the company is attempting to overcharge me with fees that were not discussed in the lease agreement or properly itemized. I left the unit in good condition, and I fulfilled my responsibilities as a tenant. I am requesting a detailed breakdown of the charges and an explanation for why these additional costs are being added after my move-out. I believe this may be an unfair billing practice, and I would like this issue investigated and resolved. adding almost {$200.00} in fees also a carpet replacement fee that was added and i never messed up the carpet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX Peaceful Way XXXX XXXX XXXX MD XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: FL

Complaint narrative:
I filed a complaint where I guy used my debit card and my phone to there were to complaints one was XXXX and one was XXXX they finally fix3d one for XXXX bit just declined XXXX here what happened I was XXXX on XXXX XXXX went to XXXX  around XXXX  that for a failure to appear officer said I could give my belongings to XXXX XXXX whom XXXX 5hought was a friend so gave him my phone debit card and my motorized bike to him all witch was on video XXXX took my belongings went to my mom 's house didn't give her my belongings as instructed he gambled XXXX dollars from my phone to I later found out was XXXX XXXX then XXXX XXXX card to spend money XXXX XXXX money to himself in total of XXXX finally chime gave me my money back since I filed police report cause all transaction were made between XXXX to XXXX : cause I was iXXXX during times of transactions well the XXXX to XXXX XXXX was XXXX but they just denied that dispute doesn't make sense to approveXXXX and not the XXXX since they all were done in same time frame I have video from the police he had e erxthing at the same time I filed report did what I was supposed to chime knows this for the complaint of XXXX witch I uses XXXX  help for I got back so when I was approved for that I refiled complaint for XXXX cause they were all done in same time and yet they declined me for it I'm sick of chime just want my money back and I'll close account u can't approve one without the other complaint since all was done on same time frame by same person and charges were pressed pleey help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarkes have been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of a data breach and identity theft. Kindly block and delete the account within 4 business days as required by FCRA 605B, 15 USC 1681c-2. Please find the attached FTC reports and other relevant documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Ingo Money, Inc.
State: IL

Complaint narrative:
On XX/XX/year>, I attempted to deposit a check using the mobile check deposit feature provided through XXXX, which is processed by Ingo Money. The check was properly endorsed with the phrase For mobile deposit only, as required.

Shortly after submitting the deposit, I was notified that Ingo Money had rejected the check and that they were unable to accept the risk of cashing the check. I contacted Ingo Money support by phone, and a representative confirmed that the deposit had been declined. However, they stated that nothing further could be done, and no option was provided to cancel, reverse, or resolve the issue. 

Because the check is now marked For mobile deposit only, it is no longer valid for physical deposit or re-submission elsewhere, making it essentially void. I am now unable to access the funds and am left with a rejected, unusable check.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/2022, Balance : {$11000.00}

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 2025-06-20 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: FL

Complaint narrative:
XXXX XX/XX/year>2025 XXXXXXXX XX/XX/scrub>/2025 I did not authorize or initiate these inquiries and do not recognize the companies involved

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: CA

Complaint narrative:
XX/XX/year> To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute Identity Theft Fraud Accounts : XXXX XXXX Dear Equifax XXXX Department, I am writing to formally dispute XXXX fraudulent credit card accounts listed under XXXX on my Equifax credit report. These accounts were opened as a result of identity theft, and I am demanding that they be permanently deleted from my Equifax credit file. 

XXXX Accounts : 1. XXXX XXXX Account XXXX. : XXXX XXXX : {$12000.00} 2. XXXX XXXX Account XXXX. : XXXX XXXX : {$13000.00} These accounts were not opened or authorized by me, and I have never had a financial relationship with XXXX XXXX Bank. They are not reporting on my Experian or TransUnion credit reports, nor are they appearing on any of my secondary consumer reports, which further demonstrates the inaccuracy of their inclusion on my Equifax report. 
To support my dispute, I am enclosing the following documents : A copy of my government-issued photo ID A copy of my Social Security card My FTC Identity Theft Affidavit My Identity Theft Police Report ( filed with the XXXX XXXX Police Department XXXX XXXX Basis for Immediate Deletion : 15 U.S.C. 1681c-2 ( FCRA 605B ) Requires that consumer reporting agencies block fraudulent information within XXXX business days upon receipt of proper identity theft documentation. 
XXXX XXXX. XXXX ( b ) Mandates maximum possible accuracy. Reporting accounts tied to verified identity theft violates this obligation. 
XXXX XXXX. XXXX ( a ) Requires reinvestigation and deletion of unverifiable or unauthorized accounts within XXXX XXXX of dispute. 
15 U.S.C. 1681n & 1681o Imposes civil liability for willful or negligent noncompliance with FCRA obligations. 

My Formal Requests : 1. Immediately and permanently delete the XXXX XXXX fraudulent accounts from my Equifax credit report. 

2. Block reinsertion of these accounts unless fully verified and in compliance with FCRA 1681i ( a ) ( 5 ) ( B ).

3. Provide me with written confirmation of the deletion and the results of your reinvestigation. 

If Equifax fails to comply with the law and correct this misinformation, I will proceed with filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will consider pursuing civil remedies. 

Thank you for your prompt attention to this matter. I expect a full and lawful resolution within the timeframe mandated by the FCRA. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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:
Let me make it absolutely clear that this complaint is not being submitted in error. My credit report contains inaccurate information that does not meet the standard of maximum possible accuracy as required under the Fair Credit Reporting Act ( FCRA ). 
These reporting errors are having a substantial and ongoing negative impact on both my financial stability and personal well-being. This situation is placing an undue burden on me, especially during an already challenging time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, GA XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: RI

Complaint narrative:
For years, my loan servicers ( XXXX  XXXX, now MOHELA ) have taken months to process IDR recertification applications to determine payment amounts each year. Consequently, I'm left with " ineligible payments '' that don't count toward my PSLF. In XX/XX/year>, I applied for a new IDR plan after being told SAVE was being canceled and I couldn't continue to make payments toward my PSLF otherwise. It's now XXXX and I have heard nothing. Today XX/XX/year>, I spoke to a MOHELA rep who told me I needed to apply, yet again, if I wanted to have it processed efficiently. They were unable to answer my questions about why this was and sent me to the student aid department for my questions regarding my payment count, why there were at least 12 payments considered ineligible and when I'd be eligible for the buy back opportunity to end my PSLF commitment. I reapplied and student aid informed me that MOHELA is the one who manages payments, determines eligibility and tell me when I can apply for buy back. I called MOHELA back and waited nearly 4 hours for a " specialist " to tell me that they don't do any of this and again tried to send me back to student aid because " they only take payments. '' It should not be this difficult to get information on my loans. The runaround, misinformation, slow processing MOHELA is responsible for should be considered criminal at the point. The reps are poorly trained and need to place callers on hold " to research the answer '' to every question asked and when they can't, they send to student aid where the loan holder waits on hold for more hours just to be sent away.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-20 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: CL Holdings LLC
State: TX

Complaint narrative:
This is in regard to CFPB complaint XXXX where Jefferson Capita ; stated that they were requesting that the credit bureaus delete their tradeline, but this account is still reporting on my credit report as of XX/XX/XXXX. I would like to remind you of the inaccuracies and the unverified information of account XXXX * * * *. This account is inaccurate for several reasons. First, there is no original creditor listed, which prevents me from properly investigating this alleged debt. Additionally, the account shows an inconsistent payment history, which is a violation since collection accounts should not report any payment history. Furthermore, the date last active is reported incorrectly : XXXX  shows XX/XX/XXXX, while XXXX  lists XX/XX/XXXX. This is particularly troubling since the date opened for this account is stated as XXXX, making the reported date last active in XXXX completely erroneous. These discrepancies are clear violations of the Fair Credit Reporting Act ( FCRA ), and I demand that this account be removed from my credit report immediately. If this issue is not resolved promptly, I will pursue litigation for the damages caused by this inaccurate reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: GA

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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 of crimes which antedates the report by more than XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: TX

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
Consumer complaint received 2025-06-20 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: SC

Complaint narrative:
Experian XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, SC XXXX ACCOUNTS : XXXXXXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$790.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$540.00} XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  Date : XX/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 2025-06-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I contacted XXXX  because my card was being declined even tho I had money in my XXXX  account and they ended up telling me that they noticed unusable activity so they suspended my account and they don't want to release my money until 180 days have passed and that's not right cause there was no unusual activity every transaction was and is totally legit I need my money and they are basically stealing it if there making me wait for 6 months

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I did not authorize or initiate these inquiries and do not recognize the companies involved

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