vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-09 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: CA

Complaint narrative:
b'Subject: Dispute of Incorrect Personal Information on Credit Report\nDear Experian,\nI hope this letter finds you well. I am writing to dispute certain items on my credit report that I believe to be\ninaccurate and unauthorized. After reviewing my credit report, I have identified the erroneous items that\nwere not authorized by me. I kindly request your assistance in investigating and rectifying these\ndiscrepancies.\nBelow are the items which I am disputing:\n1. Please update and remove these incorrect names from my credit report immediately. My correct\nname is XXXX XXXX XXXX XXXX XXXX XXXX XXXX2. Please remove these incorrect address(es) from my credit report immediately. My correct\ncurrent address is XXXX XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX  request that you conduct a thorough investigation into these matters and provide me with the results at\nyour earliest convenience. If you find that these items are indeed inaccurate or unauthorized, I\nkindly request the removal of these items from my credit report.\nI understand that you have 30 days to investigate and respond to my dispute, as stipulated by the\nFair Credit Reporting Act (FCRA). Your prompt attention to this matter is appreciated.\nPlease send me written confirmation once the investigation is complete and the inaccurate information\nhas been removed from my credit report.\nThank you for your prompt attention to this matter. I look forward to a swift resolution'

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 2025-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BTH Management
State: MN

Complaint narrative:
XXXX XXXX XXXX Currently, I demand copies of my original documentation that proves responsibility of a posted collection against me personally. 
If the account is now owner by a third-party debt buyer, then I demand certification copies administered through XXXX XXXXXXXX XXXX  XXXX XXXX that the debt buyer is properly license as a registered debt buyer, and proof of proper surety bonding. 
If the account is valid, then I need a drop-dead date as to when the negative charge-off will be removed from my credit report altogether. 
If the debt buyer purchase can not be proved legally with a Bill of Sale attachment, then the account collection must be deleted from my credit report, and my information must be purged by the debt collection agency. 
A response letter with a contact source of who to call for any negotiation process would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: PA

Complaint narrative:
I am very concerned about the items 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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: PA

Complaint narrative:
I am very concerned about the items 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 explanation
Consumer complaint received 2025-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The company has closed account and paid in full account as dispute options. I have been disputing the same account over and over and they just keep updating it and leaving it on my account. If closed account and paid in full are legitimate dispute reasons, then there is no reason why the account should be on my report. The account Credit acceptance, account number : Experian : XXXX TransUnion:XXXX Equifax : 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 2025-10-09 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: GA

Complaint narrative:
The company has closed account and paid in full account as dispute options. I have been disputing the same account over and over and they just keep updating it and leaving it on my account. If closed account and paid in full are legitimate dispute reasons, then there is no reason why the account should be on my report. The account Credit acceptance, account number : Experian : XXXX TransUnion:XXXX Equifax : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: PA

Complaint narrative:
I am disputing several unauthorized hard credit inquiries appearing on my TransUnion consumer report. These inquiries were made without my written authorization or any permissible purpose, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b.

I have attached a signed formal FCRA dispute titled Unauthorized Inquiries Dispute XXXX XXXX which details each entity that accessed my credit report unlawfully, including XXXX XXXX XXXX XXXXXXXX XXXX XXXX and multiple duplicate inquiries by XXXX  XXXX XXXX. 

I am asserting my legal rights under FCRA 604, 611, 616, 617, and 619, which require TransUnion to prove a permissible purpose, delete unverified inquiries, and cease unauthorized access. 

I have never applied for or authorized these inquiries. I request that the CFPB require TransUnion to produce documentary proof of my consent or immediately remove these unauthorized inquiries from my report.

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 2025-10-09 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/year>, I formally request the immediate removal of any inaccurate, incomplete, or unverifiable information from my credit file, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681 et seq.

Specifically, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), a consumer reporting agency is required to conduct a reasonable reinvestigation of any disputed item within 30 days of receiving notice of the dispute. If the item can not be verified, it must be deleted from the consumers file. 
I did not receive proper verification regarding disputed information in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: CA

Complaint narrative:
I opened Etrade/Morgan Stanley saving account in XX/XX/XXXX and I transferred funds $ XXXX from my XXXX account XXXX Morgan stanley did not had any issue when money was flowing into bank account. After keep the money for more than 75 days when I need this money for my home refinance in XXXX account. I validated the XXXX account thru XXXX authentication. Then also morgan stanley did not had any issue because it must be assumption of more money coming into bank. But as soon as I scheduled the transfer out to XXXX the account was put in restricted status and transferred is cancelled. I have been calling the back from number which is on account profile as well as providing Photo ID with selfie, they are fail to remove the restriction. I have spent numerous hours on call and agents are discriminating based on race and are being rude. They are not able to provide my case number or reference number and fail to provide date when I will be able to access my money. Bank does not provide any other alternative means where I can go to any branch and validate my identity. I was ready to provide other banks statement and anything else which could confirm my identity but they fail to accept anything. Neither they have any escalation procedure. Due to this discrimination and bad procedure, I am going to be at loss of .25 % on my mortgage refinance as I need this money immediately on other account to get relationship discount. Relationship money should be in banks account by XXXX day of loan refinance case approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am filing a formal complaint against TransUnion for inaccurate, conflicting, and unauthorized reporting of my XXXX  account, in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, 1681b, 607 ( b ), and 611 ( a ). 

This account contains multiple inaccuracies and contradictions that are harming my creditworthiness : The account is reported as Derogatory even though it was paid in full and closed on XX/XX/year>, with a {$0.00} balance. 
The record claims 50 % of payments made on time, yet simultaneously states I paid off 100 % of this loan, which is contradictory and inaccurate. 
It lists a 3059 days late payment status, but there is no verifiable record or proof of any missed payment. 
The account shows a Closed status while also displaying a Derogatory remark this is inconsistent and misleading. 
No supporting documentation or written consent has been provided authorizing TransUnion or the furnisher to obtain or distribute my consumer report for this purpose. 

Under 15 U.S.C. 1681b, a consumer reporting agency may only furnish or use my report with a permissible purpose and proper authorization.

At no time have I given written consent to furnish, obtain, or share my personal consumer information. 

I formally demand that TransUnion : 1. Provide documented proof, bearing my signature, that I authorized the furnishing or reporting of this account or any related negative item.

2. Cease and desist from collecting, using, or distributing my consumer report information without my explicit written consent.

3. Delete or correct the XXXX  account to reflect the accurate and factual status : Paid in Full Closed Account Never Late No Derogatory History If you can not provide documented proof of authorization or payment delinquency, the FCRA requires you to remove any unauthorized or unverifiable data within 30 days. 
Failure to do so constitutes willful noncompliance under 15 U.S.C. 1681n, and I reserve the right to pursue legal remedies for damages and continued reporting inaccuracies.

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 2025-10-09 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: WA

Complaint narrative:
This is my fifth and final warning before I initiate legal action. The continued reporting of inaccurate and unverified information is a willful and negligent violation of the FCRA 1681n ( willful ) and 1681o ( negligent ), as well as the CFPA 1031 for unfair, deceptive, and abusive acts or practices ( UDAAP ). You are fully liable for damages caused to my creditworthiness and personal finances. If immediate deletion is not made, I will pursue a lawsuit and report this to the FTC, CFPB, and State Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The account listed as Capital One does not belong to me. This account was opened fraudulently and without my knowledge or authorization as a direct result of identity theft. I am a victim of this crime and have already filed an official identity theft report with the Federal Trade Commission ( FTC ) and a report with my local police department. I am not liable for any charges associated with this fraudulent account and request its immediate removal from my records and credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: MD

Complaint narrative:
There have been money taken out my account I would reach out to chime and nothing will get done, I have gotten payments to chime and they do not come on time or have not came once again I have reached out to chime nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
The account listed as XXXX/TD does not belong to me. This account was opened fraudulently and without my knowledge or authorization as a direct result of identity theft. I am a victim of this crime and have already filed an official identity theft report with the Federal Trade Commission ( FTC ) and a report with my local police department. I am not liable for any charges associated with this fraudulent account and request its immediate removal from my records and credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX deposited {$500.00} each into XXXX PNC Bank accounts established for our minor children : Savings Account # XXXX and Checking Account # XXXX. 

Without our knowledge or consent, PNC Bank systematically deducted fees from both accounts, eventually reducing the balances to zero. When we contacted the bank in XX/XX/XXXX to investigate the missing funds, they provided XXXX justifications : charges for paper mailings and automated fees triggered by a failure to maintain a {$500.00} minimum balance. 

We were never formally notified of these fees or the minimum balance requirement. Furthermore, the bank has forcibly closed access to our online accounts and has refused to refund the liquidated funds. This automated process depleted {$1000.00} intended for minor children and appears to be a predatory practice. 


PNC Bank ( The PNC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  at PNC XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NV

Complaint narrative:
I am writing to formula express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times. And also reporting discrepancies my financial institution and Zelle fail to investigate my claims. they informed me that reporting lost funds was impossible. Also stated tracking these transaction was infeasible.The CFPBs findings indicate that Zelle has not only neglect to protect consumers but also has allowed repeat of offenders to exploit the system, leaving users vulnerable to the scams. This lack of accountability and transparency is unacceptable and also raise serious concerns about consumer safety

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
This incident occurred on Cashapp. I noticed a transaction of {$520.00} on XX/XX/year> to an account I didnt not authorize the payment. I contacted cashapp and requested a refund but the scammer declined it. I have tried other means of contacting cashapp but no response from customer service. I intend on filing a police report tomorrow.i found the scammers XXXX and tried to reach out to them. However, they blocked me on both cashapp and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: SC

Complaint narrative:
On XX/XX/year>, I sent AR Resources a written dispute/validation request ( email ) for a {$940.00} XXXX XXXX collection that appears on BOTH XXXX XXXX XXXX I requested : ( 1 ) itemized charges/DOS, ( 2 ) proof of assignment/authority to collect, ( 3 ) complete accounting incl. DOFD, and ( 4 ) insurance adjudication ( EOB/denial codes ) or confirmation of any XXXX eligibility check/claim submission. No validation has been mailed. Despite my dispute, AR Resources continues collection by furnishing to XXXX XXXX XXXX. I also dispute responsibility because care was obtained under a reasonable belief of active coverage ; I would not have proceeded if Id known otherwise. Balance remains under insurer/provider review. 

Requested action : 1 ) Mail full validation or cease collection ; 2 ) Delete/suppress the tradeline with ALL CRAs ( XXXX XXXX XXXX ) if unverifiable/ineligible ; 3 ) If furnishing continues, flag DISPUTED BY CONSUMER everywhere and provide written confirmation ; 4 ) Provide the DOFD furnished to each bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Basically someone got a hold of my credit card information and account information and was able to use the card and make payments using other peoples information. Te debt was sent to collections and I was scared because my credit was getting messed up and I owed a lot of money out of thin air. So I seen mail from country wide debit relief llc and contacted them so they can help me fix this. I ended up agreeing to pay {$520.00} to them every 2 weeks. Never even had the funds to consistently pay but still agreed, I ended up being able to meet the deadline sometimes and missing the rest. I no longer want to deal with this because this is not my debt, this is debt from the thief of my identity. I owe around 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 2025-10-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
This loan was not taken out by your company I do not owe you all anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: CA

Complaint narrative:
XXXXSubject: Dispute of Incorrect Personal Information on Credit Report\nDear Equifax,\nI hope this letter finds you well. I am writing to dispute certain items on my credit report that I believe to be\ninaccurate and unauthorized. After reviewing my credit report, I have identified the erroneous items that\nwere not authorized by me. I kindly request your assistance in investigating and rectifying these\ndiscrepancies.\nBelow are the items which I am disputing:\n1. Please remove these incorrect address(es) from my credit report immediately. My correct\ncurrent address is 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 XXXXI request that you conduct a thorough investigation into these matters and provide me with the results at\nyour earliest convenience. If you find that these items are indeed inaccurate or unauthorized, I\nkindly request the removal of these items from my credit report.\nI understand that you have 30 days to investigate and respond to my dispute, as stipulated by the\nFair Credit Reporting Act (FCRA). Your prompt attention to this matter is appreciated.\nPlease send me written confirmation once the investigation is complete and the inaccurate information\nhas been removed from my credit report.\nThank you for your prompt attention to this matter. I look forward to a swift resolution.'

Company response to consumer: Closed with non-monetary relief