vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 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: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: PA

Complaint narrative:
I did a mobile deposit for XXXX XXXX social security benefits last week Thursday and here it is the following Wednesday and I have yet to receive XXXX XXXX money! This is just ridiculous and the fact these people have us write for chime deposit only on the back of the checks stops us from being able to stop the process and go to a physical place to cash the check! This is not ok and theyre not helpful one bit. Customer service doesnt answer the questions and they hang up when you ask to speak with a supervisor. I will never ever upload my sons check ever again

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/scrub>XXXX  at around XXXX I was denied service and was treated poorly. An employee named XXXX XXXX gave me his managers information XXXX XXXX at XXXX. Ive tried to contact XXXX with no response.

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 2025-05-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I financed a XXXX XXXX  with service finance unfortunately the work was never completed to work properly dealer was not responsible and did not finished as they was supposed to I provided all information to the bank to stop payment till the work was completed the company did not follow protocol and paid with out a completion form being signed by me the borrower and now i have a system that does not work properly i got the defrauded by the contractor and bank.

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 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I received an email last night stating the savings account I made last week that had {$10000.00} was closed ( money deposited from XXXX ). I called and all they could tell me was it was a business decision and that they would send me the funds the XXXX, I just bought a house and can not afford to wait that long. Then today I received 2 emails stating my joint savings and checking account with my husband was being closed. I called discover and they sent me to the fraud department and I asked if they were accusing me of fraud and stated I can provide bank statements, mortgage statements, etc because I have all the paperwork but they refused to tell me anything they just kept saying it was a business decision and would not let me get my funds or give me my account numbers. They also completely locked me out of my account and treated me like a criminal Everytime I called

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding LLC ( Resurgent ) Address : XXXX XXXX XXXX, XXXX, SC XXXX Phone : ( XXXX ) XXXX Account Type : Collection Balance Reported : {$750.00} Date Opened : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX Estimated Removal : XX/XX/XXXX I have no knowledge of this debt. There has been no proper notification or opportunity to dispute it, which is a violation of the FDCPA. 

If LVNV Funding LLC claims they sent me a notice, I demand Certified Mail delivery proof with a signed receipt. If they fail to provide this, the debt must be deleted from all consumer reporting agencies immediately. 

Non-compliance will lead to complaints with the FTC, Texas Attorney General, and possible legal action for FCRA and FDCPA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: Experian Information Solutions Inc.
State: NM

Complaint narrative:
There is a fraudulent inquiry on my credit report that was done online without my knowledge or consent. I did not authorize it, I had no part in it, and I only discovered it after reviewing my credit file.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and I've noticed that there are fraudulent accounts along with inaccurate information in my report. I have not supplied proof under the doctrine of estoppel by silenceXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists. I am contesting this entry as it was added without my authorization. According to FCRA 605B, they are required by law to obtain my consent before including any information on my credit report.Please remove them as they are affecting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
XX/XX/year>XXXX  {$510.00} LVNV Funding LLC harassing phone calls from different numbers that I have to block. I have no knowledge of this collection or what it's for

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I am the owner of a business account with Chase. Over the past several months, Chase has consistently flagged and blocked legitimate business transactions, including international wires and domestic payments to long-standing U.S.-based vendors . Despite completing all requested fraud verification steps, many transactions were delayed, denied, or repeatedly flagged, which has caused significant disruptions to our operations. I felt like I was being interrogated during the phone calls. Each phone call covers the same questions and answers and it has got repetitive to the point of harassment. 

We have contacted Chase support at least five plus times separate times and explained/verified the that the transactions were authorized. Although some transactions were eventually approved, others using the same information were inexplicably denied. This inconsistency has made us feel as though our account is being unfairly targeted or discriminated against by their internal systems or policies. 

Additionally, I have a business partner who is an added user on the account. Due to a login issue, we had to update his phone number and create a new user profile, which may have triggered additional reviews. However, we followed all of Chases protocols to update this information properly.

At this point, the inability to send payments reliably and the treatment we've received from Chase has made it extremely difficult to conduct business. We feel we are being treated as suspicious or fraudulent clients, despite our cooperation and transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: TX

Complaint narrative:
Please remove these names ( 3rd time requesting and you are in violation of the FCRA for not reporting accurate information. Please provide me {$1000.00} per violation or I will be forced to take further action ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As previously noted, there are still inquiries on my file that were not made or approved by me. Remove these immediately : 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 This raises concerns under FCRA 1681b, regarding permissible purpose and proper reporting. Please remove the following late payments and accounts as there has not been any factual disputes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.These are Grounds for Deletion : 1. No Authorization to Publicly Display Personal Information Under the Gramm-Leach-Bliley Act ( 15 U.S.C. 68016809 ) and its Privacy Rule, financial institutions must ensure that personally identifiable financial information is not disclosed to third parties without explicit consent. I did not authorize any third party, including credit reporting agencies, to publicly display or disseminate my personal credit history, including late payments. This constitutes a violation of my financial privacy rights. 2. Violation of FCRA Inaccurate and Unverifiable Reporting Per 15 U.S.C. 1681c ( a ) of the FCRA, negative information such as late payments may not be reported beyond seven years from the date of the first delinquency. Any account that is past this time frame must be deleted. Additionally, FCRA 1681i ( a ) requires that any disputed item that can not be verified by the furnisher of the information must be promptly deleted from the consumers file. 3. No Legal Obligation or Contract with Credit Bureaus I have never entered into any contractual agreement with your agency granting permission to collect, store, report, or distribute my personal credit information. The unauthorized reporting and dissemination of my personal and financial data is being done without my informed consent, and therefore must cease immediately. 4. Violation of My Right to Privacy and Consumer Protections Under the Consumer Financial Protection Act ( 12 U.S.C. 5531 ), consumers are protected from unfair, deceptive, or abusive acts or practices ( UDAAPs ). Reporting inaccurate or unauthorized information, especially without proper validation or consent, is considered an abusive practice and is subject to regulatory enforcement. 
My police reporXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
My credit has once again dropped after successfully disputing the creditor XXXX for The previous debt collections attempts. I got a notification from experian my credit dropped XXXX points! Due to this collection being reported to my credit report, I contacted the debt collector and they gave me the account number and told me to contact XXXX  as they are the ones who still own the account and are reporting it as accurate. I contact XXXX and the agent was rude and told me that they cant see anything because the debt collection agency owns the account, I filed a dispute with XXXX and the debt collector and still this issue has not been resolved. Both calls between XXXX and the debt collector was recorded and both agents were rude. This is in violation of my fair credit reporting rights and I am going to seek legal action to sue not only the debt collector and XXXX but also the credit bureau for emotional distress and inaccurate credit reporting I am asking this collections get removed from my account. 15 U.S.C 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: VA

Complaint narrative:
I am a victim of identity theft, which has led to the reporting of unauthorized and inaccurate information by Equifax. My Social Security number and other private data were unlawfully used. These unauthorized accounts and inquiries have severely damaged my creditworthiness. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I formally request the immediate blocking and permanent deletion of all information resulting from identity theft. Despite prior notifications, these agencies continue reporting unverifiable data. I do not consent to the placement of a fraud alert I demand complete deletion as required under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am requesting the immediate blocking and removal of unauthorized accounts from my credit report. I did not authorize or initiate these accounts and am unfamiliar with their origin. As stated under USC 1681g, I ask for their removal within the next 15 days. Enclosed are relevant documents for your review. There are also discrepancies, with different account details reported to each bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 Equifax 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 Equifax Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permiss

ible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent XXXX, I have recently received the results of the investigation done on the account above regarding the alleged late payments you are furnishing to my consumer file. Furnishers and credit reporting agencies have the obligation to follow reasonable procedures to assure maximum possible accuracy 15 USC 1681 ( e ). I am requesting a description of the procedure used to determine the accuracy and completeness of the investigation in accordance with 15 USC 1681 ( i ) ( 6 ) ( B ) 3. The alleged late payments are still being furnished to this account without proof of compliance with 15 USC 1666b ( Time to make Payment ) and 15 USC 1681s- ( 2 ) ( 7 ). 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
The above law requires that : A periodic statement is sent out It contains information from section 1637 ( b ) It MUST be mailed or delivered ( Provide tracking number for mail or delivery receipt for email ) Not later than 21 days before the payment due date! 

( 7 ) Negative information ( A ) Notice to consumer required ( i ) In general If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. 

XXXX XXXX, if you are unable to provide the proof of compliance in accordance with the FCRA as listed above along with the requested description of procedure used to determine maximum possible accuracy and completeness, REMOVE ALL LATE PAYMENTS from this account! 

Account # Account # XXXX Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent XXXX, I have recently received the results of the investigation done on the account above regarding the alleged late payments you are furnishing to my consumer file. Furnishers and credit reporting agencies have the obligation to follow reasonable procedures to assure maximum possible accuracy 15 USC 1681 ( e ). I am requesting a description of the procedure used to determine the accuracy and completeness of the investigation in accordance with 15 USC 1681 ( i ) ( 6 ) ( B ) 3. The alleged late payments are still being furnished to this account without proof of compliance with 15 USC 1666b ( Time to make Payment ) and 15 USC 1681s- ( 2 ) ( 7 ). 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
The above law requires that : A periodic statement is sent out It contains information from section 1637 ( b ) It MUST be mailed or delivered ( Provide tracking number for mail or delivery receipt for email ) Not later than 21 days before the payment due date! 

( 7 ) Negative information ( A ) Notice to consumer required ( i ) In general If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. 

XXXX XXXX, if you are unable to provide the proof of compliance in accordance with the FCRA as listed above along with the requested description of procedure used to determine maximum possible accuracy and completeness, REMOVE ALL LATE PAYMENTS from this account! 

Account # Account # XXXX Regards, 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