vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-07 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: NJ

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four ( 4 ) business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of : A personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, with a reported balance of {$1700.00}. 

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 aforementioned fraudulent items. 

Fraudulent Hard Inquiries XXXX  ( Bank ) XXXX ( Finance ) XXXX  ( Bank ) XXXX XXXX ( Hotel and Travel ) I do not recognize the aforementioned account, collections, or hard inquiries as reported. The aforementioned account, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit account, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RentDebt Automated Collections, LLC
State: PA

Complaint narrative:
Complaint Against RentDebt Automated Collections FCRA and FDCPA Violations To Whom It May Concern, I am filing this complaint against * * RentDebt Automated Collections , LLC * * for multiple violations of the * * Fair Credit Reporting Act ( FCRA ) * * and the * * Fair Debt Collection Practices Act ( FDCPA ) * *.

* RentDebt Automated Collections has continued to report * * negative information on my credit file * * despite the fact that I have formally disputed the alleged debt. This is a direct violation of * * 15 U.S.C. 1681i * * ( failure to conduct a proper reinvestigation ) and * * 15 U.S.C. 1681s-2 ( b ) * * ( duty to correct and update information ).

* Additionally, the company is attempting to * * collect debt in the state of Pennsylvania without a valid license * *, which is unlawful under Pennsylvania law and in violation of * * FDCPA 807 * * ( false or misleading representations ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had a checking account with Chase bank i have had for many years. I went into the local branch with my step daughter to cash a third party check in my stepdaughters name we went up to the counter and they cashed it for us. No problem after we both signed back. My daughter showed them their ID so that they would know that this was actually her. Said the funds would be available in XXXX to XXXX  days giving us the exact date we left the bank thinking everything was fine and then XXXX days later my account is frozen and Chase refuses to give us any access to the money this check was written on a chase account and is easily it was easily verifiable. They refuse to give us access to the money or my account be unfrozen or canceled the check we are able to get a phone number under my stepdaughters name that has to be in their database as her number which there is no way to update or make sure that that happens. It just isnt possible because my stepdaughter had a phone number her name, but chase said that that number didnt work. Because it wasnt in their database, I dont even expect them to cash the check and give me the money from my Chase account. I only want them to cancel the check so that my step daughter can I have a new one issued that she can cash somewhere else. Chase refuses to do anything or work with me at all essentially they have frozen the account stolen the money from the check and wont help me get it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Larry H. Miller Group of Companies
State: IL

Complaint narrative:
XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, XXXX ] [ XXXX ] Date : [ XX/XX/XXXX ] To : [ Prestige finance ] [ XXXX XXXX XXXX  ] [ XXXX XXXX XXXX XXXX ] Subject : Request for Account Information XXXX XXXX XXXX Dear [ XXXX XXXX XXXX, ] I am writing regarding my auto loan account for the XXXX XXXX XXXX XXXX Account Number : [ Insert Account Number ] ). Please note that I am not disputing the account at this time. I am requesting clarification of specific information related to my payment history. 

Please provide me with the following details for my records : 1. The date of first delinquency on this account.

2. The date of my last payment applied to this account.

3. The date of charge-off ( if applicable ).

Having this information will help me review my records and ensure that I have accurate documentation regarding this account. 

Thank you for your prompt attention to this request. Please send your response to me at the mailing address listed above or via email at [ XXXX ]. 

Sincerely, [ XXXX XXXX ] [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: IL

Complaint narrative:
To Whom It May Concern : I am submitting this complaint because the credit bureaus ( Experian, Equifax, and TransUnion ) continue to report obsolete charged-off accounts on my credit file in violation of the Fair Credit Reporting Act ( FCRA ) 605 ( a ).

The following accounts are still being reported even though they are more than 7 years past the Date of First Delinquency : XXXX XXXX XXXXXXXX Account XXXX XXXX Charged Off {$0.00} balance XXXX XXXX XXXXXXXX Account XXXX XXXX Charged Off {$0.00} balance XXXX XXXX Be Account XXXX XXXX Charged Off {$0.00} balance According to the FCRA, negative accounts must be removed after 7 years from the Date of First Delinquency. These accounts are older than 7 years and should no longer appear on my credit report. 

I have already disputed these accounts directly with the credit bureaus. Despite that, the accounts remain, continuing to damage my creditworthiness. 

Requested Resolution : Immediate deletion of these obsolete accounts from my credit reports with all three credit bureaus.

Written confirmation that the deletions have been completed. 

I am attaching supporting documentation, including : Screenshots of the accounts still appearing on my credit report My previous dispute correspondence with the credit bureaus Thank you for your attention to this matter.

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 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To Whom It May Concern : I am submitting this complaint because the credit bureaus ( Experian, Equifax, and TransUnion ) continue to report obsolete charged-off accounts on my credit file in violation of the Fair Credit Reporting Act ( FCRA ) 605 ( a ).

The following accounts are still being reported even though they are more than 7 years past the Date of First Delinquency : XXXX XXXX XXXXXXXX Account XXXX XXXX Charged Off {$0.00} balance XXXX XXXX XXXXXXXX Account XXXX XXXX Charged Off {$0.00} balance XXXX XXXX Be Account XXXX XXXX Charged Off {$0.00} balance According to the FCRA, negative accounts must be removed after 7 years from the Date of First Delinquency. These accounts are older than 7 years and should no longer appear on my credit report. 

I have already disputed these accounts directly with the credit bureaus. Despite that, the accounts remain, continuing to damage my creditworthiness. 

Requested Resolution : Immediate deletion of these obsolete accounts from my credit reports with all three credit bureaus.

Written confirmation that the deletions have been completed. 

I am attaching supporting documentation, including : Screenshots of the accounts still appearing on my credit report My previous dispute correspondence with the credit bureaus Thank you for your attention to this matter.

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 2025-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion Credit bureu is incorrectly reporting my accounts, they experienced a data breacb and my information and credit were compromised. I have fraudulent charges and reports in my credit reports. Transunion, XXXX and XXXX  are reporting false and fraudulent accounts as mine.

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 2025-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Union Home Mortgage Corp
State: UT

Complaint narrative:
We got a home loan through Union Home Mortgage in XXXX of 2025. They sold our loans to XXXX XXXXXXXX XXXX in XXXX of 2025. We received documentation from Union Home Mortgage telling us that we would make a payment to them on XX/XX/XXXX, and that would be our final payment to them. The rest of our payments would be through XXXX XXXXXXXX XXXX. 
Union Home Mortgage has continued to charge us after that point, reporting late payments to the credit reporting bureaus that should never have existed in the first place. We have been in contact with Union Home Mortgage since the middle of XXXX, and as of XX/XX/year>, they are continuing to report late payments for accounts that should have been closed with them months ago.

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 2025-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect
State: MO

Complaint narrative:
Impermissible credit report access ( FCRA violation ) Americollect Inc. 

On XX/XX/year>, Americollect IncXXXX accessed my XXXX  credit file through a soft inquiry. I have no account, no prior relationship, and no valid debt with Americollect that would authorize such an inquiry. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), a company must have a permissible purpose to access a consumers report, such as an existing credit account, an application, or a debt that has been validated. Americollect has not provided me with any notice or validation, nor have I received any collection letter. 

This unauthorized access constitutes a willful violation of the FCRA. Given my documented history of identity theft and prior FTC reports on fraudulent accounts, I am concerned Americollect may be attempting to collect on a debt that is not mine.

I request that the CFPB investigate Americollects impermissible credit access, require Americollect to cease all collection activity, and direct them to remove any unauthorized inquiry and confirm in writing that they will not report any tradeline without validated documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX, I noticed an unauthorized debit to XXXX XXXX for {$1600.00} hitting the pending side of my 5/3rd bank account transactions. My current account balance was {$85.00}. 

I immediately contacted the fraud/disputes team at 5/3rd bank to report the incident.

I was told that since it was still in a pending status that I was unable to start the dispute process. So, I called back on XX/XX/XXXX, when the transaction actually posted to my checking account creating a {$1500.00} negative/overdrawn balance. 

I spoke with the fraud team and filed a formal dispute. I was told it could take UPTO 8 business days to issue a provisional credit-while the investigation took place. 

Meanwhile, my {$2000.00} payroll deposit was scheduled to hit my account on XX/XX/XXXX. 

I assumed I would have access to my payroll funds but I was told by 5/3rd that they would only allow me to use the difference amount of {$500.00}, because I was not allowed to overdraft my account and it was my responsibility to keep the account in a positive account balance. 

My concern is 5/3rd allowed my account to be fraudulently overdrawn but, when my payroll check hit during the investigation-which is still not done 8 business days later-I was denied access to my payroll deposit. 

This action is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Upstart Holdings, Inc.
State: NY

Complaint narrative:
I have a loan with Upstart, which I took out in XXXX. I am almost finished paying it. In XXXX of this year, my direct debit was not processed, and the ACH was returned, resulting in a {$15.00} returned check fee. Upstart called me to inform me, and I was overseas at the time and responded to them that I would make the payment when I got back. ( which I did ). Because the payment was 8 days late from its missed payment cut-off, Upstart reported my account as delinquent, and my credit score plummeted. I called them to request a goodwill letter to help me, as reporting this delinquent when I have never missed a payment before seemed extreme. Not only does the customer service not respond, they are rude and unhelpful, almost gleeful in their decision to scold me and ruin my credit, which I have been working so hard to get to a good place. So far I have called up 9 times, waited on hold an average of 122 minutes, written in 6 times, and even written to their CEO XXXX XXXX, all in the hopes of speaking to someone and not just receive and generated populated email. They are happily prepared to ruin my credit over {$15.00}, which was 8 days late, given no thought to my stellar record of on-time payments up until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Absolute Recovery Services, LLC
State: TN

Complaint narrative:
Absolute Recovery Serves placed a debt collection on my Credit Report without notifying me that the debt existed, and made no attempt contact me via phone, email or mail to notify me of my rights to dispute the debt or request validation of the debt. This is a violation of the Fair Debt Collection Practices Act, and I believe it was done to be abusive and deceptive. As of XX/XX/XXXX, at the time of this complaint, Absolute Recovery still has not sent me any information validating the debt or itemizing the debt so that I can understand what it is for. Also, they reported incomplete information on my credit report for this collection, so I can't validate it ( most of the information is left blank and listed as 'not reported. '' I will attach screenshots of the information that was left off. 

The debt was placed on my XXXX report on XX/XX/year>. Yet, Absolute Recovery contacted me for the first time on XX/XX/year> via phone call only AFTER I disputed the debt with XXXX for having no knowledge of it and possibly being a fraudulent account. 

I believe this collection is fraudulent because the original lender claims to have no record of the debt when I spoke with them on XX/XX/year>, and I had a XXXX balance when I moved out from the apartments over a year ago. The original lender also claimed that Absolute Recovery no longer represents them ; therefore, I request proof that this collection agency still has legal rights to collect on behalf of the apartment complex and proof that said debt is valid. 

I have screenshots of my payments as well as an official rental ledger sent by the apartment complex via email proving that I do not owe anything to the original lender. I also have screenshots that prove that vital information was not reported on collection report to credit bureau which violates fair reporting laws, including Date of First Delinquency being omitted from the report. 

Note : I will file separate complaints for this debt not being owed and for the incomplete information that was reported to the collection agencies which violates law including Absolute Recovery failing to report Date of First Delinquency which is required.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I received XXXX overdraft fees at the same time of my direct deposit. I asked as a courtesy if the fees could be removed. They declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: IL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have tried several times to get incorrect reports and items that do not belong to me. There is also medical from company I have never dealt with listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Zip Co US Inc.
State: NV

Complaint narrative:
Hello, I am reporting unauthorized use of multiple Zip-issued virtual cards that resulted in fraudulent XXXX charges. I did not make or authorize these purchases. The unauthorized transactions are : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> {$71.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> {$71.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> {$71.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> {$68.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/year> {$87.00} Total : {$370.00} I have deactivated my Zip account for safety until this matter is resolved. Under the Fair Credit Billing Act ( 15 U.S.C. 1666 ), I am disputing these charges and request immediate removal, reversal of all fraudulent transactions, and confirmation that my account is secured against further unauthorized use. Please confirm receipt of this dispute and provide a written update.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: FL

Complaint narrative:
I AM FILING THIS COMPLAINT ON THE GROUNDS THAT I RECEIVED A NOTICE ON MY CHIME APP WHICH STATES THAT CHIME IS CLOSING MY ACCOUNT WHICH MY XXXX DEPOSIT HAS BEEN GOING INTO this account for many years. I was not aware that my account was being closed until I got the notice a couple days ago, whenI called and asked why theyre closing my account, all I get is just read the disclosure on the agreement thats all I was told. And then also say thank you for being a valuable customer. If Im a valuable customer and I have done nothing wrong, why are they closing my account forno reason, and why am I not being known why theyre closing my account. I make my daily deposit, I make withdrawal, I pay my bills, and mydisability check goes in there once a month to pay my bill so that I can live. I was given no reason, every time I call and just want to know the reason why chime is closing my account without any type of reasoning of why theyre closing it I have a right to know. If they do not wan na tell me, I will file a discrimination lawsuit because I feel that this is discrimination. Thank you.

Company response to consumer: Closed with explanation