vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XX/XX/XXXX -- {$170.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX XX/XX/XXXX -- {$180.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$1200.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Possible Financial Inc
State: LA

Complaint narrative:
I recently reviewed my credit reports and was shocked to find a collection accounts from Possible Financial for what is purported to be for debt. I am formally disputing this collection, as I do not recognize the debt and have no recollection of ever having this account. Furthermore, I have never received any communicationwhether by phone, text, email, or mailregarding this alleged debt. This includes the XXXX letter that is required to notify a consumer of a collection. The lack of prior notification has raised significant concerns regarding the validity and accuracy of this account. Due to this erroneous reporting, I have encountered difficulties securing credit, which is now directly impacting my ability to obtain a home loan. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you immediately remove this collection from all credit reporting agencies and cease any further collection efforts regarding this disputed debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: NY

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX credit reporting agency, 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 NY XXXX ACCOUNTS : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9300.00} XXXX XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5700.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00}

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 non-monetary relief
Consumer complaint received 2025-06-16 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: AZ

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2025-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
My account was compromised on or about XX/XX/year> with multiple unauthorized transactions. I found out XX/XX/year>. Since Ive followed all advised suggestions. Bought new XXXX, cancelled debit card and before my replacement was in my possession it was showing unauthorized transactions. Called back was advised to change account number they cancelled the replacement debit card. Took off work went to branch in XXXX Al changed account numbers. The branch mgr after XXXX  days was on vacation and forgot to sign off on my account so had to wait again for a replacement card. With this transpiring I checked my account and noticed more transactions from first replacement card that was compromised before in my possession!! Now I received a letter dated XX/XX/year> stating that the provisional credit was going to be deducted on XX/XX/XXXX due to investigation findings. I called again asking to make this make sense? How can I make charges from a debit card I do not even know the last XXXX digits of??? I kept getting same answer over and over like a recording.. I wish there was more I could do but thats final decision. So today XX/XX/XXXX they sure enough deducted it!!! I am not only confused how this can be legit nor can I make it make sense. I had to file a loan with national debt relief because everyday someone else is deducting funds from my account! Then the bank itself does the same thing. Something just isnt right with this

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 2025-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
items is reporting on my credit that is harming my report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX credit reporting agency, 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 XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$470.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
On XX/XX/year>, I submitted a written dispute to ConServe regarding a paid collection account originally tied to the XXXX  XXXX XXXX Florida. I sent the dispute via the email address listed on their official website ( XXXX ) under the Fair Debt Collection Practices Act ( FDCPA ). I clearly stated that I disputed the debt and specified acceptable methods and times for communication, as outlined in FDCPA XXXX ( a ) ( XXXX ) and XXXX ( XXXX ). 

As of today, over XXXX days later, ConServe has failed to respond in any form. Additionally, the account remains on XXXX XXXX XXXX without being marked as disputed, which constitutes a violation of FDCPA XXXX ( XXXX ). The lack of a dispute notation is misleading and XXXX my XXXX standing. 

I am requesting that this account be removed from XXXX XXXX XXXX agencies immediately or that the dispute be properly reflected, in compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Navy Federal Credit Union was alerted on my XXXX  account XXXX XXXX at XXXX pm. It stated that my account was past due on XXXX XXXX in the amount of {$1000.00} and that's incorrect. As of XX/XX/XXXX my balance history on my account shows {$0.00} paid on XX/XX/XXXX, but on my payment history it shows no data XX/XX/XXXX. If the balance was paid back in XX/XX/XXXX why is it showing up XXXX years later as a late payment? Also I had identity theft protection on my credit file and printed out my credit report from XXXX  on XX/XX/XXXX, XXXX  and XXXX  XXXX XXXX and it was not showing on none of my credit reports. On XXXX XXXX a credit file locked was placed on my file.

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 2025-06-16 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: OH

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

1681c-2 ) that you, the XXXX credit reporting agency, 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 XXXX OH XXXX INQUIRIES : XXXX XXXX XXXX Date : XX/XX/year> XXXX  Date : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: TX

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

1681c-2 ) that you, the XXXX credit reporting agency, 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 TX XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$60.00}

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 non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC

Complaint narrative:
This complaint is in addition to complaint No. XXXX. I received today, through my lawyer, the court 's decision " XXXX '' detailing the amount of XXXX that Shellpoint is claiming. At no time during the proceedings was I able to learn about the composition of the amount claimed. I note today that an insurance amount of {$18000.00} is included, even though I have proven each year that the house was insured. To do this, I sent Shellpoint the supporting documents. As I stated in my first complaint, Shellpoint did not want to send me the details in order to claim unjustified sums. 
Attached you will find the insurance documents sent to shellpoint from XXXX to XXXX. 
This behavior amounts to fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-06-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Bank has restricted access to my savings account ( with no explanation ), and I am not able to access any of my money. When I try to access my account online, I receive a message that says : " Your account is restricted. You are not able to access this account online. Please contact a Banker at XXXX to change your account status. '' After calling that number 4 times and speaking with XXXX different representatives, in a span of XXXX weeks, the Bankers all inform me that they have no further information that my account may be restricted an unknown amount of time while they review. They then hung up on me. It has been XXXX  days since my account was restricted, and I have still not received any information about why it has been restricted. 

I just opened this Synchrony HYS account XXXX weeks ago and as soon as I funded it it got restricted and I lost access. I have never withdrawn any money from this account, There are no other transactions on the account or suspicious activity etc. 

I am presently in a financial position in which I need to be able to access MY funds desperately. The more time I dont have access the more fees I am incurring. This also seems to be a recurring issue with this bank and I am frankly surprised they are not facing a lawsuit for it. I'm extremely bitter about the fact that I won't be able to access the funds I have worked so hard to save for so long. 

What can I do to access my money?

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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Let me be absolutely clear this is not a misunderstanding or a minor error. This is incorrect reporting that affects my creditworthiness and violates the standards set by the Fair Credit Reporting Act ( FCRA ), particularly the requirement that all information must be accurate and verifiable.

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 2025-06-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
I deposited from a bank transfer {$50000.00} on XX/XX/year>. On XX/XX/year> I deposited a {$40000.00} check the following day I was locked out of my account at ALLY bank. After several phone calls asking why my account was frozen and requesting that it be unfrozen I went into the XXXX  bank and had them pull my initial {$50000.00} back into my XXXX savings account. Ally who had contacted my son who the check that I deposited for {$40000.00} was written by to check and make sure it was good and he let them know. Yes it was indeed. That was after XXXX weeks it is now been a month and I still do not have access to the {$40000.00} that I had deposited. This is caused me very much stress and financial difficulty. On XX/XX/year> I emailed a copy of my drivers license my Social Security card and my passport to ALLY bank in an effort to have them take the restriction off my account. Today XX/XX/year> I contacted ALLY bank customer service and was told that my funds were still restricted and that she had no authority to lift the restriction that they were going to close the account. My point being they have held {$40000.00} for over a month. I know that ALLY bank must be making money on that {$40000.00} that theyre holding but I have no indication that they will give me the interest rate that I was quoted this is criminal.

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 2025-06-16 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: TX

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 2025-06-16 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: Bonneville Billing and Collections
State: TX

Complaint narrative:
Its showing a collection from XXXX which i dont own or authorized and it was removed on XXXX but not removed on XXXX and XXXX i believe. THIS NEEDS TO BE DELETED FROM ALL CREDIT acounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: CA

Complaint narrative:
This debt should no longer be collectable. Please see attached document for statement.

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 2025-06-16 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: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
FTC REPORT Number : XXXX ; XXXX To Whom It May Concern : Time is of the essence with regard to this request. You have made an error in my credit reporting that is harming my ability to secure employment and credit. I have documented your errors, and I will continue to do so. I will avail myself of my rights under the Fair Credit Reporting Act if you continue to violate my rights. 
This letter is a request under the Fair Credit Reporting Act 611 ( a ) ( 7 ) following a request for investigation that I made under the section just previous in the FCRA, specifically 611 ( a ) ( 6 ). I have received the results of my 611 ( a ) ( 6 ) request, thank you for that. Please do not interpret this letter as a request for further investigation under 611 ( a ) ( 6 ). 
As you well know, the FCRA governs your handling of my personal information. And, my request today is my statutorily-granted right to learn the method and description of the investigation procedure you utilized. Section 611 ( a ) ( 7 ) states : ( 7 ) Description of investigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
The specific entry for which I request a description of investigation procedure is the following entry : XXXX XXXX XXXX XXXX XXXX XXXX  Please remove all late pay that apply to that time period.

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 2025-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On XX/XX/year> I had a XXXX transition that was only supposed to be {$800.00} but instead {$1800.00} was taken I contacted CHASE band and the two days later they denied my dispute

Company response to consumer: Closed with explanation