vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This is my fourth dispute regarding a collection account reported by XXXX XXXX for an alleged debt from XXXX XXXX XXXX XXXX XXXX originally opened on XX/XX/year>, with a balance of {$2300.00}. 

Despite my repeated disputes with the credit bureau and requests for validation, this account has remained on my credit report. I have not received any proper verification of the debt from XXXX XXXX or the original creditor. Each time Ive disputed, the account was marked as Consumer disputes this account information, but no further action has been taken to remove or correct the inaccurate reporting. 

The failure to provide documentation validating the debt and the repeated reinsertion of unverified information directly violates the Fair Credit Reporting Act ( FCRA ). I believe this reflects the kind of systemic failure that the Consumer Financial Protection Bureau ( CFPB ) has warned about, where credit reporting agencies fail to forward evidence, rely on unreliable responses, and leave disputed items unresolved. 

This collection account is negatively impacting my credit, and I am requesting immediate corrective action : either fully validate the debt with supporting documentation or delete the account from my credit file entirely.

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 2025-07-07 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: IL

Complaint narrative:
This is my fourth dispute regarding a collection account reported by XXXX XXXX for an alleged debt from XXXX XXXX XXXX XXXX XXXX originally opened on XX/XX/year>, with a balance of {$2300.00}. 

Despite my repeated disputes with the credit bureau and requests for validation, this account has remained on my credit report. I have not received any proper verification of the debt from XXXX XXXX or the original creditor. Each time Ive disputed, the account was marked as Consumer disputes this account information, but no further action has been taken to remove or correct the inaccurate reporting. 

The failure to provide documentation validating the debt and the repeated reinsertion of unverified information directly violates the Fair Credit Reporting Act ( FCRA ). I believe this reflects the kind of systemic failure that the Consumer Financial Protection Bureau ( CFPB ) has warned about, where credit reporting agencies fail to forward evidence, rely on unreliable responses, and leave disputed items unresolved. 

This collection account is negatively impacting my credit, and I am requesting immediate corrective action : either fully validate the debt with supporting documentation or delete the account from my credit file entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: GA

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

1681c-2 ) that you, the Experian Credit Services , 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 XXXXXXXX XXXX XXXX XXXXXXXX GA XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : 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 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

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 2025-07-07 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: TX

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

1681c-2 ) that you, the Equifax Information Services , 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 XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX TX XXXX ACCOUNTS : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$670.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Michael Wayne Investment
State: VA

Complaint narrative:
I financed a XXXX XXXX XXXX back in XX/XX/year>, The car payments are {$280.00} every XXXX weeks that's {$560.00} a month just for the loan. The total amount of the car was XXXX. They have a device in my car that allows them to turn my car off for non-payment. I have asked them several times to send me as copy of my loan agreement and they always give me the runaround and tell me a manager will call me back or go over my account that they are the only one who can send me a copy of my loan agreement. I have never not once received a call back from any manger and still have never received my loan agreement! I have asked them to consider lowering my loan payment, and they have denied my request telling me that they don't do that and I can refinance with someone else. But whose going to touch a loan that is still XXXX on a XXXX XXXX XXXX. I have already paid XXXX to the loan company Michael Wayne investment. They say I still owe {$13000.00} as of today. This company has completely taken advantage of me and will not consider lowering my payments because of financial hardship, or any reason for that matter. Not to mention the car has electrical issues and has had them since I bought the car i have asked the dealership to fix it and they want me to pay outta pocket for them to do so and I have to pay before they will even schedule me an appointment to get the car fixed!

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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

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

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 2025-07-07 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: NC

Complaint narrative:
I am filing a formal complaint and request for assistance with the Consumer Financial Protection Bureau concerning multiple inaccurate, unverifiable, and unauthorized items appearing on my TransUnion, Experian, and Equifax credit reports dated XXXX XXXX XXXX Despite my efforts to resolve these directly with the credit reporting agencies, they have failed to provide verification or remove disputed entries, which is in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Im asking that all companies provide proof of accounts or these accounts be deleted immediately per consumer law 15 USC 1681b, 15 USC 1681s-2 and 15 USC 1692g . Please assist

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 2025-07-07 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: MI

Complaint narrative:
On XX/XX/XXXX  Chime allowed a fraudulent transfer from my checking account to an individual whom I do not know. It is under the person to person feature or Chime to Chime. After the first withdrawal and while I was on the phone with an agent a second withdrawal occurred. The total amount taken fraudulently was {$860.00}. Those who commit fraud are all over social media explaining how they can help anyone fraudulently steal from Chime Members. I provided the name of the person who received the amount and Chime is aware of it YET they refuse to make me whole. Each Chime account holder has a unique identifying chime handle that Chime ( XXXX XXXXXXXX ) could have EASILY identified and returned the funds. The have all of the information and definitely understand that I did not initiate or authorize these fraudulent transfer transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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 TransUnion LLC Consumer Dispute Center, 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 XXXX CA XXXX ACCOUNTS : 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

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 2025-07-07 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
I admittedly missed two consecutive months payments ( XXXX & XX/XX/year> ) on my Target XXXX XXXX account, issued by TD Bank. During this two month period my account balance was approximately {$230.00}. During the two months, I received only monthly statements. There was no additional correspondence through any means to make me aware that I had missed a payment, let alone two payments. It wasnt until XX/XX/year> when I received an email from XXXX  about a negative report to my credit and was notified that my normally very good score of XXXX had been dropped by XXXX points to a good score of XXXX When I saw this I immediately paid off the entire balance on my Target card and contacted their customer service department. The representative expressed condolences but said there was nothing they could do now that they had reported the missed payments to the credit bureaus. When asked why I wasnt notified that I had missed a payment, I was told that it was not their policy to notify customers of missed payments. Instead, I guess, they would rather continue to charge late fees, damage my credit AND reduce my credit limit from {$7500.00} to {$300.00}. Actions like these seem unnecessarily punitive when considering my near perfect payment history and my 9 years as their customer AND the small balance of {$230.00} that I owed. The missed payments will now apparently remain on my report for 7 years which is also ridiculous. Ive already cut up my Target card, wont be shopping their again and wont apply for any credit cards issued by TD Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am filing this complaint against Capital One regarding their refusal to issue a refund of a credit balance on my credit card account and their continued restriction of my account access. 

There was an overpayment of {$19000.00} made to my Capital One credit card account on XXXX XX/XX/year>XXXX  by a third party leaving my account with a balance of - {$16000.00}. This resulted in a credit balance. I have repeatedly requested that Capital One refund this credit balance to me, as permitted under the Truth in Lending Act ( 15 U.S.C. 1666d ), which gives consumers the right to request a refund of a credit balance on their account. 

However, Capital One has refused to process the refund or lift the restriction on my account unless I provide a bank statement from the third party who made the payment. This third party has declined to give me their bank statement, which is their personal financial information and not mine to demand. 

I have escalated this matter through multiple supervisors and specialists at Capital One, but they continue to insist that without the senders bank statement, they will neither issue the refund to me nor remove the restriction on my account. As a result, my account remains frozen, and my access to my own credit balance is blocked indefinitely. 



Thank you for your help in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CT

Complaint narrative:
This letter is a formal dispute of the reporting of the collection account listed under the name I C SYSTEM INC, Account Number XXXX, on my XXXX  credit report. 
This account is being reported as a collection for {$5200.00} allegedly owed to XXXXXXXX XXXX XXXXXXXX, opened XX/XX/year>, and still reflects a stagnant, unpaid balance with no activity, and no verified, documented proof of liability or itemized charges. 

FCRA Violations : Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), you are required to : Reinvestigate any disputed information that is incomplete or inaccurate -Ensure maximum possible accuracy -Delete unverifiable information within 30 days This account fails that standard. No proof has been provided that : I have any legal obligation to I C SYSTEM INC -The alleged debt is validated, accurate, or complete -The data is being reported with maximum accuracy as required by law Further, the identical balance reported monthly for over 6 months with no updates, payments, or movement reflects a frozen, unverifiable debt strongly indicating it is inaccurate and outdated under 1681c ( a ) and 1681e ( b ).

FDCPA Violations : If I C SYSTEM INC is acting as a third-party debt collector, they are required under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) to : Cease collection and provide full verification of the debt upon request -Not report unverifiable or disputed information to credit bureaus -No such documentation has been received from the collector. If they can not or will not validate the debt, they are legally obligated to remove it.

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 2025-07-07 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: CA

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

1681c-2 ) that you, the Experian Credit Services , 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 XXXXXXXX XXXX XXXX  CA XXXX INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year>XXXX  I deposited a check with Truist in which were from selling my house. Truist blocked my account, closed my account the same day and will not release any of my funds. It is now XX/XX/year>XXXX  and I still can not access or recover my funds from this bank. I am being told different things by every employee and do not know what or who to believe at this point. 

I have provided them with different sorts of documentation proving the legitimacy of the check. 

The check has already been verified from a branch manager in XXXX tx, verbally over the phone with XXXX XXXX, which is who issued the check. 

I feel like the actions described by Truist employees are illegal. I have been in contact with them every day in person and on the phone as well and have yet to reach a resolution, much less understand what kind of business is allowed to do this to their customers!

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 2025-07-07 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: ALLY FINANCIAL INC.
State: DE

Complaint narrative:
Default of right to cure, violating my states consumer protection laws. After repossession, I was never given a notice sale or a deficiency balance notice, which are required under UCC s 9-611 and 9-614 The account is being reported to the credit bureaus inaccurately and with out proper documentation, violating the fair credit reporting act ( 15 U.S. Code 1681s-2 ) Asking immediately removal of my credit reports due to these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: NJ

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
This debt is for my husband who is now deceased and it is his medical bill. He can longer pay this bill and it should not be placed on my account being that there is no reason to pay for a medical bill for someone who is no longer here with us.

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 2025-07-07 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 am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} INQUIRIES XXXX XXXX XXXX XXXX XXXXXX/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