vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Blitt and Gaines, P.C.
State: KS

Complaint narrative:
I settled a XXXX XXXX credit card account with Blitt and Gaines, a debt collector. The terms are {$90.00} per month and I have been making monthly payments since XX/XX/XXXX. I made my most recent payment on XX/XX/XXXX for {$90.00}. This morning, I noticed on my bank statement that Blitt and Gaines had taken a second payment of {$90.00} from my account on XX/XX/XXXX. You are required to enter a check # when making a payment and the second check # is not even close to my check # s. As soon as I caught this, I contacted Blitt and Gaines and they told me to call back in a couple of days, to give them time to investigate. I feel taking an unauthorized payment from my account is fraud and Blitt and Gaines should be held responsible for it. I am okay with the unauthorized payment being applied to my account but a debt collector should never be allowed to just take money out of someone's account on a whim. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

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. 

Thank you for addressing this matter promptly. I kindly request a written response detailing the results of your investigation within XXXX  days, as required by the FCRA. If any item remains unchanged, please provide the name and contact information of the entity that verified its accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: OK

Complaint narrative:
Ive sent multiple dispute letters to TD Bank XXXX, with an accounts opened up under my name without my knowledge or consent, they have failed to send me a response to my complaint, to continue to report these fraudulent accounts on my consumer report. Ive been incarcerated since XX/XX/year> in the Oklahoma Department XXXX XXXX. Where this company allowed for these accounts to be opened up under my name, payments made with an unknown checking Account. For Targer # XXXX, TD RSC/XXXX  XXXX # XXXX, TD TSC/XXXX  XXXX, TD RSC/XXXX XXXX # XXXX. I am serving a XXXX  year sentence since XX/XX/year> in the Oklahoma XXXX XXXX XXXX, this information couldve been Verified Easily had they investigative team contacted the Oklahoma of corrections records office and verified the information that I provided. Yet, still they failed to address my complaint in violation of the FCRA. There where I didnt open up these accounts opened up under my name. With TD Bank company. Ive never lived at XXXX XXXX XXXX XXXX XXXX, Ok XXXX or XXXX XXXX XXXX XXXX, Ok XXXX where the Accounts was opened up, used, Ive never owned the phone of XXXX this was all done by the perpetrator who was pretending to be me. Any emails that you have on file for me are not my emails becase I dont nor ever owned one. This bank should've done more to protected me from this fraud. I want this fraudulent account cleared off my name, or any credit agency report per the FCRA, Ive sent Certified letters asking what information did they use to verify these Accounts belonged to me but no response was ever submitted back to me. So this is the Reason im filing a formal complaint against this company for failing to investigate, send me a response back to my dispute. I have attached copy of letter disputing these accounts, a copy of my prison system record, a copy of my XXXX XXXX for the Oklahoma XXXX  XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
This complaint is being submitted regarding the reporting of a fraudulent account on my credit file. I deny ever opening or authorizing this account, and I have no association with it. Its continued reporting is false, damaging, and misrepresents my true financial history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Incorrect Personal XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXXXXXX XXXX Incorrect Personal, has violated my rights. 

I looked at my credit bureau credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I kindly request that you block this information from my credit report within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I dispute the following hard inquires on my credit report : 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 Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. ~168B1i ), Unverified inquires must be removed. Please investigate and remove any unverifiable inquires.

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 2025-09-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Colony Brands, Inc.
State: GA

Complaint narrative:
Subject : Complaint Regarding Improper Linking of Old Delinquent Account to My Active Credit Accounts with Ginnys , Inc., Ashro, and Seventh Avenue I am writing to file a formal complaint against Ginnys , Inc., and its affiliated companies ( Ashro and Seventh Avenue ) regarding the mishandling of my credit account information. 

On XX/XX/XXXX, I reactivated my existing credit accounts with Ginnys, Ashro, and Seventh Avenue by placing an online order. The order was approved and delivered without issue. However, on XX/XX/XXXX, I encountered problems accessing my online account and contacted the company for assistance. 

During a nearly two-hour call, the representative informed me she discovered a delinquent account under the name XXXX. I explained that I was previously known by that name, but I had no knowledge of an outstanding balance and believed any such debt would have been discharged in a XXXX XXXX XXXX filed many years ago. The representative stated the debt was from XXXX ( 14 years ago ). 

Without my authorization, she linked this unverified, outdated debt to my active accounts, altering my current account information. Since then, I have not been able to get Ginnys, Ashro or Seventh Avenue to correct the problem. 
On XX/XX/XXXX, I called again after finding my online access still restricted. I was told I could not use online services due to this alleged delinquency. When I escalated to a supervisor, I was informed I would have to send a written request to separate the accounts. I attempted to fax the letter to the number provided, but after repeated failures, I obtained a second fax number and eventually sent it successfully. Despite these steps, the issue remains unresolved. 

This situation raises several concerns : 1. Improper association of accounts An old, unverified debt ( from XXXX ) was connected to my active account without my consent. 
XXXX. Potential violation of consumer protection laws This practice may constitute improper debt collection, inaccurate reporting, or unfair credit practices. 
XXXX. Denial of account access I rely on online account access to ensure timely payments. Blocking access over an unverified debt places me at a disadvantage and could cause harm to my credit standing. 
I respectfully request that your office investigate this matter, ensure that Ginnys , Inc., Ashro, and Seventh Avenue separate any unverified or time-barred debts from my active account, and restore my full account access without penalty. 
Please let me know if you require additional documentation, such as my correspondence with the company, bankruptcy records, or confirmation of my recent order and account activity. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: TN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 
All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number:XXXX  as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-09-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
I had a HELOC with Bethpage Federal Credit Union. They recently changed to Fourleaf and appear to have outsourced their mortgage servicing to a third party. That transition has not gone well. 

I paid down the majority of my HELOC in XXXX. In XXXX, the final payment of XXXX was due on XX/XX/year>. They would not allow me to make the payment online through the ordinary manner in which I had made my monthly payments - I was required to contact them for a payoff or paydown letter. 

I contacted them at least 3 times in XXXX to obtain a paydown letter. Each time I sat on hold for over XXXX minutes before speaking with a representative. Each time the representative told me the paydown letter would issue, but it did not come. I finally received the paydown letter on XX/XX/scrub>XXXX 3 days before the payment was due, despite requesting it several weeks earlier. 

I submitted a check with the paydown amount and letter pursuant to their instructions on XX/XX/scrub>XXXX The check has not been cashed. Today, I received an email from them that stated : " We need to speak to you about your account. Please click here to make a payment now or call XXXX to discuss options. '' I called that number today and spent an hour and a half on hold. When I finally reached an agent, that person told me that I had been routed to the wrong department and that I would need to go on another lengthy hold. They could not tell me why I received the email, the status of my account, when the payment would be processed, or what the consequences would be. They told me I could not physically appear in a fourleaf branch to make the payment. 

This is a matter of XXXX dollars. They refuse to let me pay them and are concurrently engaging in debt collection actions against me for the money that they will not allow me to pay them. The entire process has been unacceptable and has wasted several hours of my time over XXXX dollars.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Confusing or missing disclosures
Company: Chime Financial Inc
State: AL

Complaint narrative:
I told them that I didnt recall authorization to a my pay they took XXXX out my child social security from her deceased father while trying to get help they was rude shame me laugh at it using XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: NY

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES XXXX XXXX XXXX Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-03 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: MO

Complaint narrative:
b'This CFPB complaint has been filed to request pursuant to FCRA  605B (15 U.S.C.  1681c-2) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.\nI have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.'

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