vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-28 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: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-09-28 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: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-09-28 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year> my debit card number was digitally stolen somehow or copied and someone charged over {$660.00} at XXXX and {$1000.00} at an ATM. At the time, I was at a coffee shop with XXXX women that can vouch for me. I also have a purchase on my credit card for the coffee shop I was at. I got a text saying the fraudulent XXXX charge was declined, asking if it was me or not, and I didnt respond for exactly XXXXXX/XX/XXXXbecause I was with XXXX other women at a XXXXXX/XX/XXXX Chase let the charge go through anyways. Now Chase is refusing to reimburse the XXXX charge. Im concerned they will do the same with the ATM charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-28 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: IL

Complaint narrative:
I recently reviewed a copy of my credit report and seen i had fraudulent accounts on my report. please remove these accounts from my report because they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-09-28 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: IL

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 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: American Credit Acceptance, LLC
State: GA

Complaint narrative:
Paid the outstanding amount after the repossession

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

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

FRAUDULENT ACCOUNTS : Account Name : XX/XX/XXXX XXXX - Date Opened : XX/XX/XXXX - {$350.00} - Balance : {$350.00} Account Name : XXXX XXXXXX/XX/XXXXXXXX - Date Opened : XX/XX/XXXX - {$290.00} - Balance : {$290.00} Account Name : XXXX XXXX XXXXXX/XX/XXXXXXXX - Date Opened : XX/XX/XXXX - {$410.00} - Balance : {$410.00} Account Name : XX/XX/XXXXXXXX - Date Opened : XX/XX/XXXX Account Name XX/XX/XXXXXXXX - Date Opened : XX/XX/XXXX - {$510.00} - Balance : {$510.00} Account Name : XXXX XXXX XXXX XXXX - Date Opened : XX/XX/XXXX - {$610.00} - Balance : {$610.00} Account Name : XX/XX/XXXXXXXX - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XX/XX/XXXX XX/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 2025-09-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: BTH Management
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XX/XX/year> Plaza Services LLC XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX Re : Request for Debt Validation To Whom It May Concern : I am writing in response to your [ letter/phone call ] dated XX/XX/year>, regarding the alleged debt referenced to amount ( {$2100.00} ). I do not acknowledge this debt and request that you provide validation as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide me with the following : 1. The amount of the alleged debt ; 2. The name of the original creditor ; 3. A copy of the original agreement or contract with a signature ( if applicable ) ; 4. A detailed accounting of the charges, including interest, fees, and payments ; 5. Proof that your agency is authorized to collect this debt ; 6. Verification that the statute of limitations has not expired ; 7. Your debt collection license number and the state in which it is issued.

Until you provide the requested documentation, I request that you cease all collection activities and not report any information regarding this alleged debt to the credit bureaus, as doing so may be a violation of the FDCPA.

This letter is not a refusal to pay, but a request for validation. If you do not provide the requested validation within 30 days, I will consider the matter closed. 

Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: CBC Companies, Inc.
State: OK

Complaint narrative:
I recently did an investigation on my consumer report and I did not give permissible purpose for these accounts to report to my consumer report pursuant 15 USC 1681b ( a ) ( 2 ). Without my consent this is reporting fraudulently. You are committing FRAUD!!! Please remove these fraud accounts, fraud inquiries and fraud addresses from my consumer report! remove these fraudulent accounts XXXX. XXXX XXXX XXXX Account number XXXX XXXX. XXXX XXXX XXXX Account number XXXX, XXXX. XXXX XXXX  XXXX Account number XXXX, XXXX. XXXX XXXX # XXXX, XXXX. XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: IN

Complaint narrative:
XXXX XXXX Subject : Formal Dispute Inaccurate Collection Account Reporting To Whom This May Concern, I am writing to formally dispute an inaccurate entry appearing on my XXXX  credit report. The account in question is listed as : Creditor/Collection Agency : Source Receivables MNG Original Creditor : XXXX Balance Reported : {$1400.00} This account was previously deleted from my credit file, yet it has been reinserted without proper notice, in violation of the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 5 ) ( B ). The law requires that if a previously deleted account is reinserted, the consumer must be notified in writing within 5 business days of the reinsertion. I did not receive any such notice.

Accordingly, I demand that XXXX  : Immediately remove this account from my credit file, as its reinsertion violates the FCRA. Provide me with written confirmation once the deletion is complete.

Supply the name and address of the furnisher who allegedly re-reported this account.

If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities.

Please investigate this matter and delete the inaccurate entry from my credit report.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/XXXX, my phone was stolen. Shortly afterward, unauthorized charges totaling over {$2000.00} were made to my PayPal Credit account without my knowledge or approval. I immediately reported the theft and disputed the charges as fraud. Some charges were dropped as fraud but {$1500.00} of it still wasnt recovered.

PayPal/Synchrony denied my claim and stated I am responsible for these charges, even though I did not make or authorize them. I provided all the information I had about the theft and clearly explained these were not my transactions.

Under the Fair Credit Billing Act, I should not be held liable for unauthorized charges made as a result of theft. Synchrony has failed to properly investigate and has continued to hold me responsible for fraudulent charges.

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 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-09-28 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-09-28 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: MI

Complaint narrative:
My credit report is showing some inaccurate and misleading information. It lists closed accounts, collections, and duplicate personal details that arent correct. Under the Fair Credit Reporting Act ( FCRA ), the credit bureaus are required to make sure everything on my report is as accurate as possible ( XXXX ( b ) ) and to reinvestigate when I dispute something ( XXXX ). Ive already disputed these items, but theyre still being reported and continue to hurt my credit, making it harder for me to access fair credit opportunities.

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 2025-09-28 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX - Date Opened : XX/XX/XXXX - {$700.00} - Balance : {$700.00} Account Name : XXXXXXXX XXXX XXXX XXXX  - Date Opened : XX/XX/XXXX - {$460.00} - Balance : {$460.00} Account Name : XXXXXXXX XXXX XXXX XXXX XXXX - Date Opened : XX/XX/XXXX - {$460.00} - Balance : {$460.00} UNAUTHORIZED INQUIRIES : XXXXXXXX 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 2025-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Found multiple interest rates ( three ) on my Citi card. Could not consolidate or reduce rates. Of an expected payment of {$220.00}, {$180.00} is applied to Interest. Making a bulk payment gets distributed to all three, so the payment takes longer. Two of the three interest rates were applied on the same day of XX/XX/year>. Requested the manager on the call, and was told this is the way it is, and the manager blew me off the call.

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 2025-09-28 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: CA

Complaint narrative:
I am writing to formally raise my concerns regarding Zelles dispute resolution practices, particularly in light of the recent CFPB lawsuit that underscores serious flaws within the platform. Despite being a frequent user of Zelle and diligently reporting discrepancies, both my financial institution and Zelle failed to conduct a proper investigation into my claims. I was informed that recovering the lost funds was impossible and that the transactions could not be effectively traced. The CFPBs findings suggest that Zelle has not only failed to safeguard consumers but has also enabled repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I am recieving too much contradictory information, one report said I had bills in california, I have never been to california. I am from Delaware as previously established. Another said there was no report and then that information was verified and but if there is no report how can information be verified? I left the US in XXXX taught a class in the US in XXXX and in neither instance used any credit or credit products. So I am left wondering what is going on, what I am seeing here is a rise in identity theft by XXXX and XXXX XXXX hackers affecting Americans in the region. Why dont the credit bureas have safeguards and why is it only American data is being exposed to this? Whar protections does XXXX have that we do not have that is prevent this from happening to their citizens here?

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 2025-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Bitstamp USA, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX I withdrew {$19000.00} to my bank account with ACH from bitstamp. On XX/XX/XXXX, I withdrew another {$25000.00} and {$26000.00}. All three of these were flagged for being incorrectly sent and returned to Bitstamp. The {$25000.00} and the {$26000.00} both made it back but the {$19000.00} never made it back even though all were reversed together at the same time. It has been almost two weeks, support doesnt help, and I really need this money. Ive provided so much proof and done everything they asked for no help.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: World Omni Financial Corp.
State: PR

Complaint narrative:
I received several calls and alerts from credit agencies requesting approval for a car loan. In one day, they ran several checks on my credit, and in one attempt, they were able to obtain a car loan under my name and personal information without my authorization.I had already filed a complaint with you and received a response stating that everything was fine and that the account was mine. I have sent the company the requested evidence, and they still claim that the car loan account is mine. They even say they haven't received the requested documents. I tried to contact the number they sent me in the correspondence, but that number apparently doesn't work. They sent me what appears to be a copy of the loan contract, on which my name appears handwritten, which isn't even my signature. I demand that they conduct the relevant investigations, since I am not the person who made that loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PROVIDENT FUNDING ASSOCIATES
State: IL

Complaint narrative:
Received a letter fromXX/XX/XXXX saying my homeowners insurance is canceled because it's wasn't payed. I have escrow payments included in my mortgage with Provident funding. Provident funding lies that my homeowners insurances was payed by them. Due to their negligence I don't have homeowners insurance for now and lost {$1300.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: MS

Complaint narrative:
On numerous occasions, between XXXX, I have completed applications for Public Service Loan Forgiveness , which I was told by representatives from Mohela I qualified for and encouraged to complete the loan forgiveness application. I submitted the application and provided proof of my position as a special education teacher teaching in a Title 1 rural community. To this date, I have not received any forgiveness of loans from Mohela.

Company response to consumer: Closed with explanation