vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 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: AL

Complaint narrative:
After having my data stolen in an Experian data leak, I recently discovered that several accounts were opened in my name without my authorization. These accounts were the result of identity theft, and I have taken appropriate steps to address this situation, including filing an FTC identity theft report, submitting a fraud alert to the credit bureaus. After filing a dispute ( No. XXXX ) requesting all fraudulent accounts be deleted within 4 days from reporting on my credit report. After receiving an email requesting a drivers license, social security card, and utility bill, i uploaded all of the required documents to the experian online portal. I called Experian 's fraud department several days later to confirm the receipt of the requested documents. I was told that my documents were received and sufficient but the fraudulent accounts would not be deleted based on Experian 's " internal policy '' that could not be disclosed to me. I know that this is not in accordance with FCRA 605A.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX TX XXXX 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 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: GA

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
Between XX/XX/XXXX, and XX/XX/XXXX, I received eight unsolicited, automated debt collection calls from American Expresss collections department. Each call began with a prerecorded voice and was directed toward someone named XXXX XXXX, whom I do not know. Despite repeatedly informing the callers of this error and clearly requesting that the calls cease, the calls continued across multiple months. 

Most calls originated from XXXX area code numbers and failed to identify American Express on the caller ID. This appears to violate 47 C.F.R. 64.1604, which prohibits the use of spoofed or deceptive caller ID information with intent to mislead. I have been registered on the XXXXXXXX XXXX XXXX XXXX XXXX since XXXX and have no financial relationship with American Express. I never consented to any communication from them, and I expressly revoked any perceived or mistaken permission. 

The repeated misuse of my cellphonedespite a clear denial of identity, absence of consent, and formal revocationinterfered with my academic work, religious observance, and personal wellbeing. These communications deprived me of the peaceful use of my device, caused undue stress and emotional harm, and reflected disregard for basic consumer protections. 

Applicable violations : - XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) - Fair Debt Collection Practices Act ( 15 U.S.C. 1692d, 1692e, 1692f ) - Regulation F ( 12 C.F.R. 1006.14, 1006.18, 1006.22 ) - UDAAP authority under the Dodd-Frank Act ( 12 U.S.C. 5531, 5536 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CHERRY TECHNOLOGIES INC.
State: MD

Complaint narrative:
The Cherry Technology loan company for dental work was refunded a full return of their money from XXXX XXXX XXXX because I canceled the XXXX XXXX that was going to be done. I canceled the loan because the interest was too much so all money was returned to them so once all money was returned to them. I had made two payments of {$260.00} to Cherry prior to canceling the loan. They are supposed to refund me back the money I payed them because everything was canceled and they got all their money back. I don't have {$520.00} to give them for free. I just want my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I am writing to formally dispute the reporting of late payment on my credit report associated with my account with XXXX. According to Fair Credit Billing Act Specifically, 15 U S. Code 1666b a creditor must credit payments the date or report a late payment if the due dates made on the next business e falls on a weekend or holiday and the payment day was submitted in accordance with the billing terms and should not have been reported as late. Therefore, I am requesting immediate removal of the late payment from all consumer reporting agencies to which it was reported, XXXX XXXX XXXX XXXX XXXX XXXX. I have the right to my privacy considered late payments to be private information due to the Code 15 U.S. Code 1681 ( 4 ). They must be deleted from my credit 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 2025-06-25 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: IL

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: CA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/year> I contacted chimes bank because I couldn't log into my account from my secondary phone after my primary phone was confiscated by XXXX and then accidentally giving away to an unknown person by the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> awaiting and being XXXX  to see a XXXX XXXX XXXX XXXXXXXX unauthorized transactions that occurring on my chime banking account which of totally of $ XXXX On XX/XX/year> at approximately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> at approximately XXXX I contacted chimes bank to file a dispute for the unauthorized transactions of $ XXXX On XX/XX/year> at approximately XXXX chime banking released $ XXXX out my account to one of many persons who was currently under dispute/investigation for receiving ( 2 ) unauthorized transactions while I was in XXXX  Police report was filed and the police has issued out a warrant for the suspect who committed the unauthorized transactions on my account Chime has been present with each documents that clearly shows that I didn't make these transactions nor did i consent to any transactions that was being made while I was in XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Chimes has deny 6 of my dispute 6 times Therefore im filing this complaint with hopes of a human eyes that can see all the evidence I presented that clearly shows I couldn't make these unauthorized transactions because I was in XXXX  without any of my personal belongings such as my cellphone

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: CA

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
I pulled my report and notice hard inquiries that i didn't authorize. XXXX XXXX was a inquiry which seems to have sold my personal information to others. I also noticed other inquiries that I didn't apply for that I didn't consent to as pulling my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: Global Lending Services LLC
State: GA

Complaint narrative:
I pulled my report and notice hard inquiries that i didn't authorize. XXXX XXXX was a inquiry which seems to have sold my personal information to others. I also noticed other inquiries that I didn't apply for that I didn't consent to as pulling my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: CA

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: FL

Complaint narrative:
TransUnion is reporting an account from XXXX XXXX XXXX XXXX XXXX that was resolved as of XX/XX/XXXX. I filed a dispute with TransUnion on XX/XX/XXXX, and included evidence showing a {$0.00} balance as confirmed by the original healthcare provider. Despite this, the account continued to be listed as active and in collections. 

XXXX failure to correct or delete the tradeline, despite clear evidence and a formal dispute, violates FCRA 1681i and 1681e ( b ). This has caused financial injury, including loan and account denials, emotional suffering, and damage to my credit profile link to proof of payment https : XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am submitting this complaint regarding unlawful debt collection practices by Portfolio Recovery Associates ( XXXX ). The following are the violations I have experienced : Failure to Notify of Alleged Debt : XXXX failed to provide me with a timely and valid written notice of the alleged debt, as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ). I was not properly informed of the debt or given the opportunity to dispute it within the required XXXX period. 

Improper Service to Incorrect Address : The only written communication XXXX claims to have sent was mailed to an incorrect address. I have proof via lease agreements and mail records that show the letter was never sent to my correct, current residence. This deprived me of my right to respond and constitutes a material violation of 1692g ( a ). 

Failure to Validate the Debt : To date, XXXX has failed to provide any validation or documentation of the alleged debt, in violation of 15 U.S.C. 1692g ( b ). Upon disputing the debt, they are required to cease collection until proper validation is provided, which they have not done. 

Attempting XXXX on Time-Barred Debt : The alleged debt is now past the statute of limitations as established by applicable state law. Any attempt to collect on a time-barred debt without proper disclosure violates 15 U.S.C. 1692e ( 2 ) ( A ) and 1692e ( 10 ), which prohibit the use of false, deceptive, or misleading practices. 

I am requesting the following relief : Immediate cessation of all collection efforts related to this alleged debt. 

Written confirmation that no further negative reporting will be made to any credit reporting agencies. 

A formal response from XXXX addressing these violations and a copy of any and all records they claim to have sent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/year>, I deposited XXXX business checks totaling {$23000.00} into my business account. Funds were marked available the next business day. On XX/XX/XXXX, Bank of America placed a XXXX hold, retroactively reversing the available funds without proper notice. 

Details : The deposits were : {$3600.00}, {$7900.00}, {$4100.00}, and {$8100.00}. These checks came from long-standing vendors we deposit from weekly, with no history of returns or flags. No written explanation was provided until after the hold began. 

My Position : 1. The retroactive reversal after checks were shown as cleared constitutes detrimental reliance and bad-faith banking.

2. Failure to notify timely violates Regulation CC and potentially banking law under NY jurisdiction.

3. These checks are from the same four vendors we have deposited from consistently, weekly, for over a year, with no prior issues or returns. 

This caused me to miss payroll ( {$18000.00} ) and blocked vital vendor orders ( {$22000.00} ), disrupting ~ {$50000.00} in weekly revenue. 

Requested Resolution : 1. Immediate release of {$18000.00} from the held funds.

2. Written explanation citing the Regulation CC exception used.

3. Written assurance of fair treatment for future deposits from the same vendors.

I may also want to pursue further actions due to any issues that may arise from this hold

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: NY

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

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NY XXXX ACCOUNTS : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$12000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation