vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 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: PA

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent account appearing on my Experian consumer XXXX credit report which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of a personal loan account opened at XXXX XXXX XXXX XXXX under account number XXXX in the amount of {$12000.00}. This fraudulent account has resulted in inaccurate and damaging information appearing on my Experian consumer XXXX credit report. I demand that the aforementioned fraudulent item be removed from my Experian credit report and that all collection activity related to said item cease pursuant to my rights within the FCRA and FDCPA laws. 


This is a formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that Experian immediately block and permanently remove the following fraudulent account, including any related collections, charge-offs, late payments, and hard inquiries, that was added to my credit report without my knowledge or authorization. This account is the direct result of fraudulent activity and not any legitimate consumer transaction. 
This fraudulent, inaccurate, and false information consists of an installment account opened at XXXX XXXX Account XXXX. XXXX, Date Opened : XX/XX/year>. 

This account was added without my knowledge or authorization and is the direct result of fraudulent activity, not any legitimate consumer transaction. In support of this request, I have provided a valid FTC Fraud Report ( Criminal Complaint # XXXX ) along with supporting documentation, including proof that my personal data was compromised in the Experian XXXX breach.

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 2025-10-29 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Palisade Legal Group, PLLC
State: CO

Complaint narrative:
I am enrolled in a debt consolidation program to Palisade Legal Group ( recently changed to XXXX XXXX XXXX ) since XXXX of XXXX, I am paying them religiously up to date. Then in XX/XX/XXXX I received a summon from XXXX XXXX XXXX, representing XXXX of the creditors I owed money XXXX is also included in the contract that I signed from Palisade. I sent those papers to Palisade Legal Group and they said they will take care of it. I went to the XXXX for a month, when I got back I got an email from my payroll department that XXXX XXXX XXXX is going to take money directly from my paycheck and they did since XX/XX/XXXX, every single paycheck they take 20 % of my gross income which is way too much for me plus I still pay Palisade/XXXX  monthly . I have been calling PalisadeXXXX  every time and they keep telling me the same thing every single time, honestly I have yelled in XXXX of those calls because I am becoming impatient, I am XXXX XXXX XXXX with XXXX XXXX XXXX, I cant help it, I feel like they are just playing me, making me look like XXXX  and XXXX. The last time I called I was very patient and polite and yet still nothing happened with the promise. They keep saying I will call or email you in 5 days but I did not get calls or emails or updates. I sent them demand letter in XXXX XXXX, after that I couldn't send email to their client care help desk email thru XXXX address, I got that mailer failed/could n't find email address back. Then I got an email from the old name Palisade help desk, then I called and they told me the same 5 days get back to you and I did not, I emailed asked for updates I got no response. Up to now XXXX XXXX XXXX is taking money from my paycheck, nothing is resolved. Please help me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: PA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: NY

Complaint narrative:
Good day, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity.

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

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 2025-10-29 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: AR

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XX/XX/XXXXXXXX XX/XX/XXXX -- {$0.00} XX/XX/XXXXXX/XX/XXXX -- {$1000.00} XX/XX/XXXXXXXX XX/XX/XXXX -- {$1100.00} XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX -- {$120.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$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 explanation
Consumer complaint received 2025-10-29 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-29 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: IL

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-29 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: MD

Complaint narrative:
I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity.

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 2025-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCSPLUS INCORPORATED
State: FL

Complaint narrative:
I traveled to XXXX last summer with my family and about 6 months after I got home, I received a letter in the mail saying I had a traffic violation. When I attempted to click on the link provided to actually see if I did have a violation, nothing worked,,,, When I tried to call the number on the paper, it didnt work either. I even went as far as trying to pay the alleged {$110.00} violation online but, it didnt work so I figured this was in fact a scam. 

In XX/XX/XXXX, I received a letter from NCSPlus Incorporated telling me I need to pay {$650.00} for the fine. The letter also states that if I dispute the debt, and write to them by XX/XX/XXXX that they Must stop collection on any amount that I dispute until they send me the information that shows I owe it. I emailed NCSPus on XX/XX/XXXX at XXXX, and detailed that I dispute the whole debt because I never received any evidence of any infraction, and even stated what I attempted to initially do in this matter as stated above.

Since then, NCSPlus has continued to harass me via email about this amount without providing any of the requested evidence and has been threatening me with credit Bureau reporting. In my opinion, this violates the Debt Collectors Practices Act 15 USC 1592 Not only have I emailed them, I also sent a certified letter on this matter as well, which they received on XX/XX/XXXX, yet, I received another threatening email from them yesterday. 

They need to either provide the requested evidence to show there was an actual infraction or stop harassing me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
This debt is considered a charge-off, however, this is actually considered income because I should have received a 1099-C in order to account for this as income. This is not a charge-off. I'm requesting that this is removed because it is not debt. This is considered income and income should not be reported by your credit report. XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PR

Complaint narrative:
They changed me for {$390.00} from internet that I no place order from and they open a case put the money and then take it back, I already call and been calling because they just keep jumping from one employer to other whit out giving me a resolution or help I need that money I don't use nothing in Internet from {$390.00} at all and I need that money in my account whitout take it back Thank you

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 2025-10-29 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} - Date Opened : 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 2025-10-29 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:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: IL

Complaint narrative:
I was extorted by a scammer pretending to be XXXX technical support. This person told me that my identity had been stolen through my email and to allow him to remote through my phone to help. I agreed. He then told me I had to purchase bot cards to alert my phone of scam so it would stop future scams and that these were not real cards. When I got nervous and started questioning this person he told me he knew my name and address and would sell my information to more hackers if I did not continue to cooperate. 

After this I called my husband and he told me I was absolutely scammed. When this person remotes into my phone they looked at my XXXX XXXX number and purchased a vanilla gift card for {$500.00} with it. I contacted XXXX and Vanilla immediately and they are both denying the claim. 

This person tried to make the purchase for {$500.00} one time and XXXX denied the charge, they tried again and XXXX approved it! 

I did not purchase this Vanilla gift card and I have also filed a local police report, the case number is XXXX as well as the FTC and that case # is XXXX. I can also provide screen shots of that report is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I did not consent to a hard inquiry from JPMCB Card on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Tilt Finance, Inc.
State: OH

Complaint narrative:
I have been locked out of my Tilt ( formerly Empower ) account for approximately 3 weeks. During this time, I have been unable to view my account, make payments, access statements, or use any features of the app.

Despite being locked out and receiving no customer support response after repeated calls and emails, Tilt continued charging my bank account for an {$8.00} subscription fee. I did not receive the service I was charged for. 

I have attempted to resolve this directly many times and have been ignored. I am requesting : 1. Restoration of account access OR a written explanation of why it was restricted, 2. A refund of all subscription fees charged during the lockout, 3. Confirmation that no further charges will be taken without my access. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
I am filing this complaint against SoFi Bank, N.A. for mishandling an authorization hold that caused severe financial hardship while I was traveling abroad.

On XX/XX/year>, a {$94.00} authorization from XXXX * XXXX US was denied by the merchant. XXXX confirmed in writing that the authorization was reversed to SoFi on the same date and that no funds were captured. Despite multiple contacts with SoFi support and providing proof of reversal, SoFi continued to display this transaction as pending and refused to manually release the funds.

As a result, my account remained negative ( - {$41.00} ) for over a week, leaving me unable to access money, purchase food, or meet basic needs in a foreign country. I was forced to borrow money from others to survive, even though SoFi had full control to remove the stale hold.

SoFi representatives repeatedly admitted the issue was internal but failed to escalate or resolve it. This behavior demonstrates a lack of consumer protection, poor internal controls, and non-compliance with Regulation E ( 12 CFR 1005.11 ) regarding access to funds.

I request that SoFi immediately : 1. Release the {$94.00} authorization hold.

2. Restore my available balance.

3. Provide a written apology and review its internal processes for stale holds.

4. Issue a goodwill credit to compensate for the documented financial hardship and distress this caused.

This incident reflects systemic negligence and disregard for consumer access to funds no customer should go hungry because a bank refuses to release a reversed transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: VA

Complaint narrative:
My credit report contains multiple inaccurate, outdated, and unverifiable accounts. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: MI

Complaint narrative:
This is disappointing this is my third complaint PNC keeps violating banking laws and basically saying forget regulation e the day money with in my account they restricted a hour later after I spoke to a person in client relation this is very disgusting. Then was told I can do in person transactions which I tried and verified my self in PERSON and they told me I had to wait 2 days and call back from my phone which makes no sense I need my funds Im very sick and behind on rent why is PNC giving me the run around on my money i should have full access to these funds per regulation e PNC is really opening there selves up for a big civil suit that will Result in a bigger settlement Ive now spoke to 2 civil lawyers who are lookin over the case now this is beyond the point Ive reached out to XXXX over 25 times no response the person in the bank didnt even know how to call the number a person PNC employed I have video of this like its keeps gettin worse

Company response to consumer: Closed with monetary relief