vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
Dear Sir/ Madam Following information is not show in the letter which I got ( as attached file ), and even if you decide to have a close relation with me. 

The Bank made a decision to exit your banking relationship on XX/XX/XXXX ( This doesn't show up on any of the documents I received ). 

I called you over 50 times to HSBC relations but no one ever answered.

I request refund the point and Annual Fee, Because you can't provide relevant evidence that decide made in XX/XX/XXXX. 

We are waiting for you to resolve this issue, otherwiseI will file it in small court with my lawyer. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the validity of the debt you claim I owe in the amount of {$8100.00} related to an apartment I previously rented at XXXX XXXX  XXXX in XXXX XXXX, GA. 

I lived at XXXX XXXX, and during my lease, my rent was paid in full through XXXX XXXX XXXX XXXX. I did not break my lease, and I provided written notice of intent to vacate 65 days prior to moving out. I was also informed by the apartment complex manager at the time, XXXX, that no relet fee would be charged. 

Furthermore : I vacated the unit on schedule, and XXXX XXXX was not authorized to charge XXXX additional months of rent after I moved out. 
The security deposit of {$900.00} was intended to cover any cleaning fees or minor damages. Any charges should have been deducted from that deposit. 
No invoices or breakdowns of the alleged charges were ever provided to me by XXXX XXXX or your agency. 
I did not receive any legitimate notice of debt prior to seeing this reported on my credit report with added interest. 

This debt is fraudulent, inaccurate, and not legally owed. I demand the following under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) : 1. Immediate removal of this debt from my credit report.

2. Verification of the debt, including full accounting, proof of charges, lease agreements, and any documentation showing I owe this balance. 
3. Cessation of all collection efforts until this matter is resolved. 

I still havent received anything from this. Third party company or XXXX XXXX. I havent sent letters n emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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:
I was recently traveling and, during that time, I lost my wallet and became a victim of identity theft. As a result, several fraudulent accounts and inquiries appeared on my credit report. I did not authorize or open any of these accounts or inquiries, they do not belong to me and are the result of fraud. 

Also, my accounts were always on time! I have a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: DE

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-28 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: TX

Complaint narrative:
Recently, I reviewed my credit report and discovered multiple unverifiable, invalidated, inaccurate, and questionable items that your agency has reported without ensuring full accuracy and compliance with federal law. 

Under the Fair Credit Reporting Act ( FCRA ), all information reported on consumer credit reports must be complete, accurate, and verifiable. Specifically, under 15 U.S. Code 1681e ( b ), furnishers are required to ensure the maximum possible accuracy of the information they report. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies conduct a reasonable reinvestigation of disputed information to verify its accuracy and completeness. 

Furthermore, 15 U.S. Code 1681s-2 ( b ) requires furnishers to promptly investigate and correct inaccurate or incomplete information once notified of a dispute. Failure to comply with these provisions constitutes a violation of my rights as a consumer. 

I am attaching copies of all related correspondence for your review and demand immediate correction or deletion of all unverifiable or inaccurate accounts to bring my credit report into full compliance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: NV

Complaint narrative:
Beginning in early XXXX and continuing through XXXX, I began noticing multiple inaccuracies and negative accounts appearing across all three of my credit reports. Despite submitting multiple formal disputes to the credit bureaus starting in early XXXXmany of which were accompanied by requests for verification under the Fair Credit Reporting Act ( FCRA ) the majority of these accounts remained uncorrected or were verified without any supporting documentation being provided. Several accounts, such as those from XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX, continued to report balances that were either inaccurate, post-settlement, or assigned without proper notice or validation. I did not receive any contracts, billing records, or written proof of the debts, and in many cases, the balances reported varied between bureaus. Additionally, outdated personal information, including previous addresses and incorrect name variations, were never removed despite repeated requests. My most recent disputes were submitted again on XX/XX/XXXX, as part of a final attempt to have these matters corrected or removed in compliance with federal regulations. I am seeking immediate correction or deletion of the accounts and personal details that remain inaccurate and unverified.

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 2025-07-28 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: NV

Complaint narrative:
Beginning in early XXXX and continuing through XXXX, I began noticing multiple inaccuracies and negative accounts appearing across all three of my credit reports. Despite submitting multiple formal disputes to the credit bureaus starting in early XXXXmany of which were accompanied by requests for verification under the Fair Credit Reporting Act ( FCRA ) the majority of these accounts remained uncorrected or were verified without any supporting documentation being provided. Several accounts, such as those from XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX, continued to report balances that were either inaccurate, post-settlement, or assigned without proper notice or validation. I did not receive any contracts, billing records, or written proof of the debts, and in many cases, the balances reported varied between bureaus. Additionally, outdated personal information, including previous addresses and incorrect name variations, were never removed despite repeated requests. My most recent disputes were submitted again on XX/XX/XXXX, as part of a final attempt to have these matters corrected or removed in compliance with federal regulations. I am seeking immediate correction or deletion of the accounts and personal details that remain inaccurate and unverified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: IN

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/scrub>/2012, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: 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
Consumer complaint received 2025-07-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
On XX/XX/year>, XXXX unauthorized purchases totaling {$180.00} ( XXXX {$90.00} XXXX XXXX XXXX ) were made using my SOFI credit card. 

I reported the fraudulent transactions and requested a card replacement on XX/XX/year>. While I received the new card after approximately 23 weeks. 

As of XX/XX/XXXXXXXX XXXX XXXX45 days after the dispute was filedSOFI has neither issued provisional credits nor sent any written acknowledgment of my dispute, as required under the Fair Credit Billing Act.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-28 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX  Date : XX/XX/year> XXXX Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: TX

Complaint narrative:
I've identified some accounts on my credit report that are unfamiliar to me and were not authorized. These may have resulted from identity theft. Ive contacted you about this issue in the past and am now formally requesting that these accounts be deleted from my report as soon as possible. The stress caused by their presence is significant, especially since they dont reflect my financial habits or credit history. If we cant come to a resolution, Im willing to take legal action to protect my interests. These incorrect entries are standing in the way of major financial plans, such as homeownership and providing for my family. I hope this can be resolved without delay.

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 2025-07-28 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:
I was recently traveling and, during that time, I lost my wallet and became a victim of identity theft. As a result, several fraudulent accounts and inquiries appeared on my credit report. I did not authorize or open any of these accounts or inquiries, they do not belong to me and are the result of fraud. 

Also, my accounts were always on time! I have a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: NV

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. 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 enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( XXXX  ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Please excuse my English level I'll be translating my text with AI. 
A few days ago, I received a document stating that TD Bank is suing me because, apparently, a car loan was taken out in my name and that of my former colleague. I am certain it was my previous boss. After his death this year, all former employees of his company ( even his ex-girlfriend, whom he dated for only a few months ) started receiving similar letters, including my husband. He also worked with me, and according to the documents, he is also the owner of an expensive car, and he is also being sued. 
I remember that when we first started working for our former boss, he told us to sign some papers from a car dealership where his friend, a manager, worked. We were told it was just to support his business. Our previous boss had all our information, which he used to get loans for expensive cars. No one explained anything to us ; they just made us sign, which, given our low level of English, was unfortunately easy to do. I am desperate ; I don't have money for a lawyer, and I don't know what to do next.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Back on XXXX I sent a certificated letter to Wells Fargo asking them to verify that this account belongs to me and if so please provide me with a 1099-C form.I gave them 15days to respond with the correct information if any was available. As of today 's date XXXX I have not yet to received a 1099-C for this matter which is necessary for my records.So the information they have reported on my credit file appears to be inaccurate or inconsistent with resolution of this account .. I was told by Wells Fargo that XXXX XX/XX/year> they would respond pertaining this matter and have not yet responded back and it's now the month of XX/XX/year>...

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 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/year>XXXX  I had an unauthorized charge on my account after being told by Chime that they blocked the merchant a week prior. I had 2 unauthorized transactions from the same merchant 2 weeks prior that Chime refunded me for but yet they denied the most current transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: FinFit Holding Co, LLC
State: PA

Complaint narrative:
I am writing to file a complaint regarding the non-receipt of approved loan funds from XXXX. I was supposed to receive XXXX disbursements : {$470.00} via instant funding to my card {$280.00} via XXXX XXXX to my account To date, I have not received either deposit. Despite repeated efforts to resolve this matter through XXXX customer service, I have been unable to obtain a meaningful resolution. 
I have contacted FinFit support on the following dates and times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  In addition to phone calls, I have also been in email communication with FinFits support team and provided them with clear evidence, including bank statements and screenshots showing that the funds were never deposited. 
XXXX responded publicly to complaints on both the XXXX  and CFPB websites, claiming the matter was resolved. This is inaccurate. I have not received the funds, not been given any proof of completion, and not had any success speaking with a supervisor. 
This experience has caused unnecessary financial stress. Furthermore, I am now faced with a past-due loan balance for funds I never received.

Company response to consumer: Closed with explanation