vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-28 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: EQUIFAX, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 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: GA

Complaint narrative:
On XX/XX/year> I noticed XXXX unauthorized charges to my Chime account in the total amount of {$32.00} to gaming companies. I contacted Chime customer service and wanted to file a dispute. I was informed that since the charges were still pending that I had to wait until the charges were paid before I could file a dispute. Dispute was filed on XX/XX/year> and immediately denied on XX/XX/year>. I had the dispute reopened on XX/XX/year> and was denied again on XX/XX/year>. The reason being that I didn't lose my card or phone and that everything on Chime 's part was in order. The problem is that I never ordered nor authorized these purchases. I am XXXX XXXX XXXX and have never bought, ordered or authorized the use of my account for any of these purchases. Instead of refunding my money Chime denied the dispute. I need my money. XXXX of the agents I had file the initial claim even stated by the mere name of the merchants and my history that this was fraud. My Chime card was used for Direct deposit from XXXX, gas and paying XXXX XXXX for my room.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Issue : A duplicate XXXX lease account is appearing on my credit/Ally profile even though I have only one vehicle/lease. The duplicate account was never delivered to me, but it is being treated as active and is approaching a 30-day late status. 

Key dates & amounts ( approx. ) : XX/XX/XXXX : Took delivery of my single XXXX vehicle and began making payments on that lease only. 

XX/XX/XXXX : My Ally account displayed You owed {$500.00} on XXXX XXXX XXXX XXXX XXXXXXXX, which corresponds to a second/duplicate vehicle I never received. 

XX/XX/XXXX : I contacted XXXX XXXX XXXX and Ally multiple times by phone ; each referred me to the other without resolution. 

Actions Ive taken : Emailed XXXX support teams titled Urgent Duplicate Lease Contract showing in my Ally Account at : XXXX XXXX XXXX Called Ally and XXXX on numerous occasions to request : - Written confirmation that the duplicate account/vehicle was an error and was never delivered.

- Immediate correction/suppression of the duplicate tradeline so it does not report a 30-day late.

- Filed disputes with the credit bureaus identifying the account as inaccurate/duplicative. ( This i did 2 days ago, after not getting any feedback from either companies ) Harm/Risk : The duplicate account may report a 30-day late even though I do not owe on a second vehicle, which would unfairly damage my credit.

Requested resolution : Immediate suppression/correction of the duplicate account so it can not report late while under investigation.

Removal of the duplicate tradeline and any late-payment notation associated with it.

Written confirmation of the correction sent to me and to all credit bureaus.

If any negative marks posted, a prompt update to reflect accurate reporting and removal of derogatory data.

Notes : I continue to make timely payments on the one valid XXXX lease corresponding to the vehicle I took delivery of. The duplicate account reflects a vehicle I never received. 

Duplicate account : Balance : {$17000.00} Expected payment : {$500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 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: OH

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts. Please remove these accounts they are hurting my ability to obtain credit.

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 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
My credit reports contain multiple incorrect and misleading name variations that are not my legal name. The following names are being reported and must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are not my legal name. My only correct legal name is : 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 explanation
Consumer complaint received 2025-09-28 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: UT

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, my E * TRADE by Morgan Stanley checking account was frozen without notice or explanation. Since then, I have been unable to access my funds or conduct normal banking transactions. This has caused missed bill payments, potential late fees, and financial stress. 

I contacted E * TRADEs customer service but have not received a clear resolution. I am requesting : Immediate unfreezing of my account, A written explanation for the freeze, Refund of any fees or penalties caused by this issue. 


I am filing this complaint to seek assistance in resolving the matter, as my account remains frozen from XX/XX/XXXX to present

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: NC

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 remarks 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 2025-09-28 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:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks 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 explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AIH Receivables Management Inc.
State: MO

Complaint narrative:
I am writing to formally demand that you cease all communication with me, whether by phone, mail, email, or any other means, regarding the above-referenced account. This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), which grants me the right to request that a debt collector stop contacting me.

Furthermore, any further attempts to contact me, including but not limited to reporting this account to credit reporting agencies, will be considered a violation of the FDCPA. In Daugherty v. Convergent Outsourcing , Inc., 836 F.3d 507 ( 5th Cir. 2016 ), the court held that reporting to credit bureaus is considered a medium of communication subject to a cease-and-desist request under the FDCPA. Therefore, if you continue to report this account to any credit reporting agencies after receipt of this letter, I will pursue all available legal remedies.

Please be advised that failure to comply with this demand may result in legal action being taken against your company, and I will seek damages and attorneys fees as provided under the FDCPA.

I trust you will honor this request promptly. If you believe you are not the appropriate party to receive this notice, please forward it to the correct party and provide me with confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: GA

Complaint narrative:
From XX/XX/year> I have been disputing Trans Union Equifax and Experian for wrongly reporting invalid accounts. I am victim of serial fraud. Under 15 USC 1681-C2 I request the deletion of the fraudulent accounts

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 2025-09-28 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: GA

Complaint narrative:
From XX/XX/year> I have been disputing Trans Union Equifax and Experian for wrongly reporting invalid accounts. I am victim of serial fraud. Under 15 USC 1681-C2 I request the deletion of the fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
We were granted a forbearance from Fifth Third Bank due to illness of XXXX requiring XXXX XXXX XXXX and my loss of job during his illness. I was very diligent with any and all documents that Fifth Third required. 
Fifth Third has listed my credit report as Delinquent status. During forbearance it should not be reported as such and due to this my credit report has been destroyed as we have maintained pristine credit for over XXXX yrs with no late payments or defaults on any and all obligations financially. 
I have contacted Fifth Third many times and spoke directly with bank managers to no avail. Upon the many phone calls to Fifth Third someone stated that on XX/XX/year> I stated verbally on a recorded line that " I was asked if I could resume payments and my answer was " yes ''. I was then contacted by a supervisor from Fifth Third and she put me on hold while she was able to listen to the recorded call and it states that my answer to question " are you able to resume payments at this time was a " NO '' answer. This conflicting information with employees at Fifth Third has caused the forbearance to be unjustly reported and we have tried to resolve to no avail. We are still in forbearance until XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 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: TX

Complaint narrative:
Received a notification that TransUnion put a hard inquiry on my credit report from XXXX XXXX XXXX XXXX XXXX I have not authorized XXXX XXXX  XXXX XXXX XXXX to run a hard inquiry. I am currently dealing with potential identity theft. I called and could not speak to a representative.

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 2025-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Monterey Financial Services LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Ga XXXX XXXX ( XXXX ) XXXX XX/XX/year> XXXX XXXX XXXX  XXXX, CA XXXX Subject : Dispute of Collection Account Request for Validation and Removal Account Number : XXXX To Whom It May Concern, I am writing to formally dispute the collection account listed on my credit report with the account number referenced above. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit file. I am also invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ), which grants me the right to request validation of any alleged debt.

Reason for Dispute : The collection account in question was not properly validated, and I was not notified in accordance with federal regulations before the debt was reported to the credit bureaus. I never received a formal notice of the debt, nor was I given an opportunity to dispute or resolve the matter prior to its turnover to collections and subsequent reporting.

Relevant Legal References : FCRA 609 ( a ) ( 1 ) and 611 Requires that any information reported to consumer reporting agencies must be complete and accurate. As the furnisher of this information, you are obligated to investigate and correct any disputed information.

FCRA 623 ( a ) ( 5 ) Mandates that a data furnisher must notify a consumer reporting agency if a delinquent account is being placed for collection and must not report it until 180 days after the account first became delinquent.

FDCPA 809 ( a ) ( 15 U.S. Code 1692g ) Requires that the debt collector send a written notice of the debt within five days of initial communication, including the amount of the debt and the name of the original creditor.

FDCPA 809 ( b ) Grants consumers the right to dispute the debt and request validation within 30 days of receiving notice. If the consumer requests validation, the debt collector must cease collection efforts until the debt is verified.

To date, I have not received any proper validation, nor documentation proving the legitimacy of this alleged debt or your legal right to collect it. If you can not provide evidence that this account is accurate and legally reportable, it must be deleted from all consumer reporting agencies to which it was reported.

Action Requested : Please provide the full validation of the alleged debt, including the original creditor, itemized charges, and chain of ownership.

If you are unable to verify this debt, I request that the account be removed from my credit file entirely under the FCRA.

Please also cease all collection activity as required under the FDCPA until this matter is resolved.

In accordance with FCRA guidelines, I expect your response within 30 days from the date you receive this letter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
Transworld improperly contacted a third partymy fatherwithout my consent or authorization. I have made multiple attempts to address this FDCPA violation directly with them, but they have failed to respond. Each time Ive spoken with their call center, Ive been assured that a supervisor or manager would return my call ; however, with the exception of XXXX instancewhere they shifted the blame onto their clientno one has followed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I returned a mattress to Costco approximately one year after purchase. The original payment was made with a Capital One credit card that had been closed by the time of the return. 

Costco has confirmed that they processed the refund to the closed card, but Capital One indicates that no refund has been received. I have requested that the refund be traced or applied to my account, but it has not been resolved. 

Details : Purchase date : XX/XX/XXXX Return date / pickup : XX/XX/XXXX Last 4 digits of the original card : XXXX Costco order/receipt # : XXXX Refund reference / ARN ( if available ) : N/A I am requesting that Capital One investigate this transaction, confirm whether the refund was received, and apply the funds to my account or provide an alternative resolution. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I have a repossesion that is not mine, has been reporting incorrectly since day XXXX & Ive made attempts to take it off since it got on there. This has made my life so hard. Now its supposed to fallen off as of XXXX for the 7 year period and its still hurting me to this day! I was punished for something that wasnt mines and still being punished after the legal threshold.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
: Complaint Regarding Inaccurate Credit Reporting XXXXXXXX XXXX XXXX XXXXccount XXXX To Whom It XXXX Concern : Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Date Reported : XX/XX/year> Disputed Amount : {$1300.00} Credit Bureau : Equifax XXXX Experian This account is inaccurate, incomplete, and/or unverifiable, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically : 1. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Creditors must report accurate information.

2. 15 U.S.C. 1681 ( b ) Credit reporting agencies must maintain maximum possible accuracy.

I demand that the CFPB : 1. Investigate this account and compel the credit bureau and creditor to verify, correct, or permanently delete the inaccurate information.

2. Provide written confirmation of the investigation results.

3. Provide an updated credit report reflecting the permanent deletion or correction of this account.

Enclosed are copies of my credit report, prior dispute letters, and supporting documentation. I expect acknowledgment and updates on the progress of the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
: Complaint Regarding Inaccurate Credit Reporting XXXXXXXX XXXX XXXX XXXXccount XXXX To Whom It XXXX Concern : Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Date Reported : XX/XX/year> Disputed Amount : {$1300.00} Credit Bureau : Equifax XXXX Experian This account is inaccurate, incomplete, and/or unverifiable, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically : 1. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Creditors must report accurate information.

2. 15 U.S.C. 1681 ( b ) Credit reporting agencies must maintain maximum possible accuracy.

I demand that the CFPB : 1. Investigate this account and compel the credit bureau and creditor to verify, correct, or permanently delete the inaccurate information.

2. Provide written confirmation of the investigation results.

3. Provide an updated credit report reflecting the permanent deletion or correction of this account.

Enclosed are copies of my credit report, prior dispute letters, and supporting documentation. I expect acknowledgment and updates on the progress of the investigation.

Company response to consumer: Closed with explanation