vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-06 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:
I am a victim of identity theft and unauthorized use of my personal information in violation of my rights as a consumer under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681b. This statute limits access to my credit report only for permissible purposes, such as with my written instruction, in connection with a credit transaction initiated by me, or under specific legal circumstances.

The accounts and inquiries currently reporting on my credit file were either opened or accessed without my knowledge, consent, or legal authorization. These actions were not initiated by me and represent an unlawful invasion of my financial privacy. 
As such, I am requesting that these accounts and inquiries be : Permanently blocked from appearing on my credit reports, and Deleted in accordance with FCRA 605B, which provides identity theft victims the right to remove fraudulent information.

Attached are documents supporting my identity and this report, including a government-issued photo ID, proof of address, and copies of the disputed credit files. 

I am exercising my full rights under federal law and expect immediate action by the credit reporting agencies and any furnishers involved. 


See attachments below

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ACIMA CREDIT, LLC
State: MS

Complaint narrative:
Acmia leasing in Utah, They have a collection agency calling me saying that I purchased some tires that I never did. It was from XXXX XXXX XXXX  XXXX mississippi. That was in XXXX of XXXX XXXX XXXX XXXX. They said. 
That I have to pay them $ XXXXAll the total will be about XXXX XXXX dollars after court. I told them that I did not know about any tires.So he said you're gon na automatically refuse it.Then he said they would Garnish my wages And Sue me in court. I was trying to explain to them that I have no idea about any tires whatsoever that was purchased. He said well, it is linked to you but I do not know what they're talking about. I had to block them on my phone because they have called me numerous times and they are calling my family members saying they are gon na Sue me. Why would they need to harass my family or me? When I did not even XXXX XXXX XXXX XXXX I think my identity was stolen but i'm not sure but I just know that I did not get any tires

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Chase has withheld {$30000.00} from me for over a year after I deposited a properly endorsed check. The funds were taken from the check writers account, but Chase closed my account and refuses to release the money. I am seeking immediate return of my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX DOB : XX/XX/XXXX SSN ( last 4 ) : XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX DC XXXX Re : Credit Bureaus Failure to Respond Within FCRA Deadlines To Whom It May Concern, I am writing to follow up on my previous complaints against Experian, Equifax, and TransUnion for their failure to comply with the Fair Credit Reporting Act ( FCRA ). 
I sent certified dispute letters to all three credit bureaus in early XX/XX/XXXX. By law, each bureau had 30 days from the date of receipt to investigate and respond. My tracking confirmations show : - Experian ( XXXX, TX ) Delivered XX/XX/XXXX. Response deadline : XX/XX/XXXX. 
- TransUnion ( XXXX, PA ) Delivered XX/XX/XXXX. Response deadline : XX/XX/XXXX. 
- Equifax ( XXXX, GA ) Delivered XX/XX/XXXX. Response deadline : XX/XX/XXXX. 
These deadlines have passed without proper results. Despite this, my disputes remain unresolved, and in some cases I have only received stall letters. This is a direct violation of the FCRAs 30-day requirement.

I have already filed two complaints with the CFPB, both marked as under investigation. At this stage, further waiting is unreasonable the bureaus are out of compliance, and enforcement action is warranted.

I request that the CFPB compel these agencies to immediately comply with the law and issue the required results of their investigations. I have attached my dispute tracker with delivery dates and tracking numbers as proof. 
Thank you for your time and attention. 
Sincerely, 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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction XXXX XXXX XXXX XXXXXXXX Balance : {$120000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction XXXX XXXX XXXX XXXXXXXX Balance : {$120000.00}

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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 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 2025-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My fraud claim # XXXX with Bank of America was wrongfully denied despite clear evidence that the activity was unauthorized and occurred after my phone and wallet were stolen. The denial was based on delayed reporting, alleged confirmation of valid charges, and extensive account access, all of which were the direct result of my phone ( containing my password manager ) being stolen. 

Details : In late XX/XX/2025, my phone and wallet were stolen while I was traveling. My phone contained my password manager, giving the thieves direct access to my banking applications and login credentials. 

During this period, there were over 500 unauthorized login attempts and transactions, as well as the fraudulent opening of a savings account in my name. That account has since been corrected, but the fraudulent charges remain unresolved. 

Bank of America informed me that my claim was denied because of : 1. Delay in reporting the fraud The delay was not intentional. It occurred during a highly XXXX time when I was also managing fraud across four separate banks simultaneously.

2. Some charges being confirmed as valid This was a misunderstanding caused
by the overwhelming situation. I never intended to confirm fraudulent charges.

I have attempted multiple times to contact the resolution specialist XXXX XXXX assigned to my case. Each call goes directly to voicemail. I leave my name and phone number every time, but I have never received a response. 


Why I Am Filing This Complaint : The denial of my fraud claim is unfair and unjustified given the unique circumstances. 

The lack of communication from the assigned specialist has prevented me from having my case properly reviewed. 

I urgently need financial relief from these fraudulent charges, which were not due to any negligence on my part.

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 2025-09-06 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: CA

Complaint narrative:
These errors must be resolved by removing the accounts within 15 days as per USC 1681g.

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 2025-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Requested credit line increase. Denied " there is legal action pending against applicant '', which is FALSE. I called Capital One to tell them this, they said they couldnt tell me any information on what or who but to contact the credit reporting agencies to sort out. There is NO pending legal action, I got all 3 credit reports to prove no such thing on my reports. I went online to XXXX XXXX court, NO pending legal action. Informed Capital One this was false with letter ( to which no response ) sent XX/XX/year> and multiple calls. They couldn't prove this was true but told me there was nothing they could do. WHAT?!??

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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:
The company had a security breach which mad unknown assailants have access to my information and now Im not recognizing some of the information thats being reported on my 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 2025-09-06 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: U.S. BANCORP
State: CA

Complaint narrative:
I received a financial aid payment from my school, when it deposited into my checking account I noticed it was less than what I calculated. As you can see in my photos, the original amount was {$1200.00} ( my card was already overdraft {$41.00}, which means I was supposed to be getting {$1100.00} ) I received {$1100.00} in my checking account. {$12.00} was taking from my card & it does not show in my transactions. I did not go through US Bank for this matter due to me being constantly hung up on after I asked to speak with a supervisor prior.

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 2025-09-06 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: NY

Complaint narrative:
42 USC 408 it is illegal to use anyone 's social security number 15 USC 1666b there is no such thing as late payments, 15 USC 1681i 1681e and 1602 you never had written consent to add anything to my report. 

In accordance with XXXX XXXX TransUnion ( XXXX  ) and 15 USC 1681i and 1681e ( b ) ( Fair Credit Reporting Act ), I demand that this account be removed from my credit report. The account also violates 42 USC 408 ( Social Security Act ) and is in clear violation of RICO, which prohibits such fraudulent actions. Please take immediate steps to delete this account with great prejudice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX DOB : XX/XX/XXXX SSN ( last 4 ) : XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX DC XXXX Re : Credit Bureaus Failure to Respond Within FCRA Deadlines To Whom It May Concern, I am writing to follow up on my previous complaints against Experian, Equifax, and TransUnion for their failure to comply with the Fair Credit Reporting Act ( FCRA ). 
I sent certified dispute letters to all three credit bureaus in early XX/XX/XXXX. By law, each bureau had 30 days from the date of receipt to investigate and respond. My tracking confirmations show : - Experian ( XXXX, TX ) Delivered XX/XX/XXXX. Response deadline : XX/XX/XXXX. 
- TransUnion ( XXXX, PA ) Delivered XX/XX/XXXX. Response deadline : XX/XX/XXXX. 
- Equifax ( XXXX, GA ) Delivered XX/XX/XXXX. Response deadline : XX/XX/XXXX. 
These deadlines have passed without proper results. Despite this, my disputes remain unresolved, and in some cases I have only received stall letters. This is a direct violation of the FCRAs 30-day requirement.

I have already filed two complaints with the CFPB, both marked as under investigation. At this stage, further waiting is unreasonable the bureaus are out of compliance, and enforcement action is warranted.

I request that the CFPB compel these agencies to immediately comply with the law and issue the required results of their investigations. I have attached my dispute tracker with delivery dates and tracking numbers as proof. 
Thank you for your time and attention. 
Sincerely, 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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX DOB : XX/XX/XXXX SSN ( last 4 ) : XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX DC XXXX Re : Credit Bureaus Failure to Respond Within FCRA Deadlines To Whom It May Concern, I am writing to follow up on my previous complaints against Experian, Equifax, and TransUnion for their failure to comply with the Fair Credit Reporting Act ( FCRA ). 
I sent certified dispute letters to all three credit bureaus in early XX/XX/XXXX. By law, each bureau had 30 days from the date of receipt to investigate and respond. My tracking confirmations show : - Experian ( XXXX, TX ) Delivered XX/XX/XXXX. Response deadline : XX/XX/XXXX. 
- TransUnion ( XXXX, PA ) Delivered XX/XX/XXXX. Response deadline : XX/XX/XXXX. 
- Equifax ( XXXX, GA ) Delivered XX/XX/XXXX. Response deadline : XX/XX/XXXX. 
These deadlines have passed without proper results. Despite this, my disputes remain unresolved, and in some cases I have only received stall letters. This is a direct violation of the FCRAs 30-day requirement.

I have already filed two complaints with the CFPB, both marked as under investigation. At this stage, further waiting is unreasonable the bureaus are out of compliance, and enforcement action is warranted.

I request that the CFPB compel these agencies to immediately comply with the law and issue the required results of their investigations. I have attached my dispute tracker with delivery dates and tracking numbers as proof. 
Thank you for your time and attention. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: VA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me XXXX  because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: S & S Recovery, Inc.
State: TX

Complaint narrative:
Dear S & S Recovery, I am disputing the following account you are reporting : Balance : {$2200.00} Original Creditor : XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Status : Collection / Derogatory Legal Basis FDCPA 809 ( b ) You must cease collection until validation is provided.

FCRA 623 ( a ) ( 8 ) You must properly investigate direct disputes and correct inaccurate information.

XXXX  ( 20 U.S.C. 1232g ) XXXX XXXX XXXX XXXX can not legally disclose my financial/educational records to a third-party collector without my express written consent. If you do not hold a XXXX-compliant release, this account has been unlawfully furnished. 



DEMAND 7 DAYS Provide within 7 calendar days of receipt : 1. A copy of the original wet-ink signed enrollment/financial agreement binding me to this debt.

2. A complete accounting of how the {$2200.00} balance was calculated.

3. Proof of your legal right to collect and furnish this account.

4. A copy of the XXXX-compliant release from XXXX XXXX XXXX XXXX authorizing disclosure of my financial/educational records to you. 

If you can not produce these documents within 7 days, you must : Delete this account from XXXX XXXX and XXXX 
Cease all collection activity immediately. 



Intent to Sue If you fail to comply, I will file complaints with the CFPB, the XXXX Department of Education, and pursue litigation under the FDCPA, FCRA, XXXX, and state consumer laws. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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:
You are expected to erase these accounts within XXXX days, as provided by USC 1681g.

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 2025-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: NJ

Complaint narrative:
This company has been nonstop calling me daily, sometimes multiple times per day, for almost two years now. I attached 30 screenshots ( using very small text to try to keep the screenshots to a minimum ) with 2 years worth of relentless phone calls from this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: FL

Complaint narrative:
that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief