vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-06 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Lendmark Financial Services
State: GA

Complaint narrative:
On Wednesday XX/XX/XXXX, I was notified by my son in law and daughter that my credit score was told to them by a car dealership. I was going to co-sign on a car with my daughter, and the dealership ran a credit report on me, as I told them they could. My son in law inquired with them why the XXXX was so high. The man that was " the car salesman '' informed my son in law ( by text message ) it was because my credit score was below * * *. My daughter received a call from the lender, Lendmark Financial, located at XXXX XXXX XXXX XXXX in XXXX, SC XXXX. Phone number XXXX ( lady was named XXXX who volunteered this information to my daughter ), and they informed her of the same thing as well. I gave no consent to give my score to anyone, except for the car dealership to run it for purposes of the loan. The information, from the dealership and lending company, was gave without my knowledge or consent. My son in XXXX was not a signer or cosigner for the vehicle and was voluntarily gave this information as was my daughter. The car dealership is called XXXX XXXX XXXX XXXX XXXX located at XXXX Bypass XXXX Unit B, XXXX, SC. Phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: TX

Complaint narrative:
I am disputing this account/information because my personal data was illegally accessed during the recent TransUnion data breach. I did not authorize this account/inquiry/address, and it is the result of identity compromise. Please investigate this matter, remove the inaccurate information, and update my credit report accordingly.

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 2025-09-06 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: GA

Complaint narrative:
Escalating multiple unresolved TransUnion disputes that were processed during or adjacent to the XX/XX/year> data breach window and are still inaccurately reporting despite FCRA guidelines. Full PDF attached.

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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer 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 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at DEPT OF EDUCATION/XXXX  on XX/XX/XXXX with a balance of {$2700.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX . These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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. I do not recognize the aforementioned accounts, collections, or 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 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 # ( private case number ) 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.

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 2025-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The bank debited {$14000.00} from my bank account, a bank deposit processed and verified on XX/XX/year>, then 2 to 3 weeks later they closed my account.

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 2025-09-06 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: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
Dispute Number : XXXX I am writing to formally dispute information that has been inaccurately reported on my credit file between XX/XX/XXXX, and XX/XX/XXXX. 

A credit card account with BRCLYSBANKDE has been added to my report. This account does not belong to me, and I have no knowledge of or agreement with this account. 

An additional account with XXXX XXXX was reported during the same period. While this account was opened on XX/XX/XXXX, it has always remained in good standing and has never been late. The current reporting associated with this account is inaccurate and misleading. 

I request that these errors be investigated and corrected promptly to ensure the accuracy of my credit history.

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 2025-09-06 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: MOHELA
State: TN

Complaint narrative:
XXXX  experienced a confirmed data breach in XX/XX/year> ( announced XX/XX/year> ) that exposed the personal information of over XXXX XXXX XXXX consumers, including names, Social Security numbers, birthdates, and contact details. I am one of the affected individuals. 

As a result of this breach, I believe the student loans being reported on my credit file are inaccurate and should be removed. I disputed these items through XXXX XXXX but they are still being reported. I noticed the issue today and am filing this complaint to request that all student loans be removed from my credit report since they can not be verified as accurate following the breach.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-06 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Citizens Debt relief LLC
State: FL

Complaint narrative:
I enrolled in a debt settlement program with Citizens Debt Relief ( CDR ) and have fully completed all required payments as of earlier this year. CDR negotiated settlements with three creditors XXXX  XXXX XXXX, XXXX XXXX, and XXXX Bank but has not finished paying them in full. 

Most concerning is the XXXX  XXXX XXXX account, which is tied to an active court case in XXXX XXXX, Florida. Despite having my full payment, CDR is telling me they wont complete that disbursement until 2027, exposing me to prolonged legal risk. I was not told this would happen when I signed up. 

I have repeatedly asked for : Written confirmation of how much has been paid to each creditor Remaining balances A final settlement and program completion timeline I have only received vague phone calls and a voicemail, with no written answers to my requests. When I tried to escalate the issue via email, I was offered a loan through their " early graduation '' program something I did not ask for and do not want. 

I should not be left in legal limbo for years after fulfilling my side of the agreement. Im asking that CDR be required to immediately disburse the remaining settlement funds and provide written documentation confirming closure of my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/year>, XXXX XXXX transferred {$19000.00} into my PayPal account. My plan was to then transfer the entire amount into my checking account, which is linked to my PayPal account. However, PayPal places a restriction on my account, which means I can not access those funds at all. I was asked to provide additional information, such as a photo ID and they took a photo of my face to verify. This was completed weeks ago, but they still will not release my funds. I have spoken to multiple people at PayPal, and they can not tell me when my account restrictions will be lifted. I need that money to live, pay bills, eat, provide for my children. I already submitted a complaint to the XXXX, but was instructed to file a complaint here as well. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX. XXXX XXXX XXXX {$610.00} # XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} # XXXX XXXX XXXX XXXX XXXX {$210.00} # XXXX XXXX XXXX XXXX XXXX {$120.00} # XXXX XXXX XXXX. XXXX XXXX XXXX {$740.00} # XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ( inquiry ) XXXX. XXXX XXXX XXXX XXXX ( inquiry ) XXXX. XXXX XXXX XXXX  XXXX XXXX ( inquiry ) XXXX. XXXX XXXX XXXX  XXXX XXXX ( inquiry ) XXXX. XXXX XXXX XXXX XXXX XXXX ( inquiry ) XXXX. XXXX XXXX, XXXX XXXX XXXX ( inquiry )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: AL

Complaint narrative:
Dear CFPB, I am filing a formal complaint against Experian, Equifax, or TransUnion regarding their handling of my XXXX XXXX credit dispute. 

I submitted a dispute regarding inaccurate information being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), the bureau is required to conduct a reasonable investigation and either verify, delete, or correct the information within 30 days. 

Instead of providing proof of validation or documentation from the furnisher, the bureau responded that the account was verified but did not supply evidence supporting this conclusion. This constitutes a failure to comply with FCRA 611 ( 15 U.S.C. 1681i ). 

The disputed item ( s ) are : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Closed XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Closed XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection/Chargeoff XXXX XXXX XXXX XXXX XXXX Collection/Chargeoff XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Closed XXXX XXXX XXXX XXXX XXXX  Collection/Chargeoff XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection/Chargeoff XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection/Chargeoff XXXX XXXX XXXX XXXX Collection/Chargeoff

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 2025-09-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Essential Lending Inc
State: NC

Complaint narrative:
I applied for the loan today XX/XX/year> and asked me for all my personal info ( which was XXXX on my part for giving it to them ). Then they later redirected me to different lenders and I was getting all kinds of text messages and emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
Complaint Against XXXX XXXX XXXX Account # XXXX To Whom It May Concern, I am disputing the accuracy and validity of the account listed as XXXX XXXX XXXX Account # XXXX. I deny owing this debt and I refuse to pay it. 

Under the standard set forth in XXXX XXXX XXXX, verification requires a certification or attestation of the facts proving that the debt is actually owed. To this date, I have received no such notice or verification from XXXX XXXX XXXX that would establish the validity of this account. Without proper certification, your continued reporting is unlawful. 

Furthermore, I am placing you on notice that you have XXXX days from receipt of this complaint to remove this account from all of my credit files. If you fail to do so, I will pursue all available legal remedies. 

Please also be advised that XXXX internal policies and procedures do not override federal law, and XXXX XXXX XXXX, as a non-affiliated third party, has no legal right to access or report any information about my private financial contracts or personal financial data. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXXXXXX Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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:
Complaint Against TransUnion and XXXX  I am filing a complaint against TransUnion and XXXX for violations of the Fair Credit Reporting Act ( FCRA ). The account listed as XXXX XXXX Account # XXXX is inaccurate. I do not owe this alleged debt and I have no legal obligation to pay it. 

Additionally, the credit bureaus are required under the FCRA to provide consumers with proper written disclosures, including the right to opt out of reporting on a recurring basis. Specifically, disclosures must be provided every 30 days when information is being furnished and maintained. At no time have I received such disclosures from either TransUnion or Experian. 

Because the account is inaccurate, unverifiable, and reported without required consumer disclosures, TransUnion and XXXX are in direct violation of the FCRA. I demand that this account be removed from my credit report immediately. 

Sincerely 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 2025-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I'm writing this letter concerning a restricted and closed Chase Bank account. This matter was brought to my attention on Monday XXXX XXXX XXXX  when I went to make a purchase using my Chase bank card and the transaction was denied. I went directly to Chase bank to speak with a banker in regards to the denied purchase when they proceeded to informed me that my account has been restricted and upon further looking into closed. The banker said they spoke with a XXXX representative on the phone who informed them that my account was determined to be closed from the " higher-ups '' review team because a recent deposit was going to a " relative '', and not the primary account holder, being myself. The " relative '' in this case is my wife of XXXX XXXX XXXX XXXX XXXX and I had just been funded for a HELOC from XXXX XXXX  XXXX in the amount of {$50000.00}. It appears that XXXX XXXX  XXXX mistakenly deposited the full equity loan into my Chase Checking account instead of my wife 's Chase account. This deposit triggered this restriction of my account due to the loan deposit with a different name attached to it. To reference, the loan program my wife and I was approved for allows for both our incomes to be used which is why we had provided both our Chase checking account numbers to the Mortgage Co. to determine our income for the loan. However, the program also allows for only one applicant 's credit to be used who has the stronger score.

This misunderstanding has led to me being completely locked out of my checking account, no access to any funds and no correspondence of explaining the account closure. Upon numerous attempts with customer service and branch bank managers to get information to this matter I've been told only that my account is in the process of being closed and the funds are being verified, which usually can take up to 10 days before a reimbursement check will be mailed out. I feel it's unfortunate as a XXXX year Chase customer that this occurred in the manner it has resulting in my checking account being wrongfully closed.

Company response to consumer: Closed with explanation