vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Net Pay Advance, Inc.
State: TX

Complaint narrative:
Deposited {$500.00} on XXXX Withdrew. {$110.00} on XXXX Withdrew. {$110.00} on XXXX Withdrew. {$66.00} on XXXX Withdrew. XXXX XXXX on XXXX Withdrew. XXXX XXXX on. XXXX Withdrew. XXXX XXXX on. XXXX Withdrew. XXXX XXXX on. XXXX Withdrew. XXXX XXXX on XXXX I never took out a loan after talking to the fraud unit whoever took out this loan use a different email so I didn't find out about this until I seen the deposit in my bank account and that's when I contacted the company and told them it was a mistake made and they should reverse this deposit. 
They did not instead they took the first XXXX payments without my knowledge so I had to put a stop payment on this company until I could find out why they think I'm going to pay them {$1000.00} for a loan I didn't sign for on their docu sign and now they owe me {$78.00} which they have taken over.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: AR

Complaint narrative:
My card was stolen and fraud charges was made on my account without my knowledge or consent. Truist employees closed my account because of this issue, and refused to file a dispute claim on my behalf for the fraud transactions. I have been locked out of online access to prevent me from filing this dispute claim myself. It was XXXX fraud charges made on my account on XX/XX/year> and XX/XX/year> for a total of {$4000.00}. XXXX charge from XXXX for {$74.00}, and XXXX charges from XXXX pharmacy.

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 2025-07-02 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Trans Union 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 XXXX XXXX XXXXXXXX, XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to file a formal complaint against the credit bureaus [ Experian, Equifax, TransUnion ] and my mortgage servicer [ Insert Mortgage Company Name ] for inaccurately reporting late payments on my mortgage account for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

During this period, I was enrolled in a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX executed supplemental agreement. Under the terms of this agreement, the servicer agreed not to report any XXXX  credit information as long as I complied with the program, which I have done in full. 

Despite meeting all requirements, my credit reports show XXXX late payments for these months. This reporting is a direct violation of the agreements terms, has XXXX  XXXX  my credit, and XXXX XXXX XXXX XXXX 

I respectfully request that the CFPB investigate this matter, ensure the inaccurate late payments are promptly removed from my credit reports, and confirm that my mortgage servicer and the credit bureaus comply with HUD program guidelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: MD

Complaint narrative:
I am writing to formally request the removal of adverse credit inquiries from my TransUnion credit report under Section 605C of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.

1681c-3, which provides explicit protections for survivors of human trafficking. This provision requires consumer reporting agencies to block and delete negative informationincluding hard inquiriesthat resulted from trafficking-related exploitation.

The following inquiries were made without my full consent and under conditions of coercion associated with sex trafficking. They are not a reflection of my true credit behavior and must be removed to ensure the accuracy and fairness of my credit history. 
Hard Inquiries to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under FCRA XXXX, I have the right to request that all adverse items resulting from trafficking be permanently blocked and deleted from my credit report. Additionally, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, prohibits the reporting or collection of information arising from fraud, coercion, or exploitation.

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 2025-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
They will not stop calling at least XXXX  a day upwards of XXXX calls per day. Every time, I block the numbers ( XXXX phone numbers and counting ), and then they call, sometimes immediately after, from a different number. Some times they are XXXX numbers and other times they use local area codes such as ( XXXX ), ( XXXX ), ( XXXX ), etc. The XXXX I have answered they are extremely rude and have refused to stop calling for at least XXXX months. Also, they almost NEVER leave a XXXX. I can not work or spend time with my family or out in public without silencing my phone, thereby causing me to miss important phone calls from work and friends and family as I do not hear those rings. Please help me!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: MI

Complaint narrative:
This has been disputed and removed, because they failed to provide the proof it was mine, disputed again still no proof refuse to fully remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/XXXX I applied for a secured credit card through Truist bank and was denied the very same day. Truist opened up the online secured savings account on my mobile banking anyway. Today XX/XX/year> While I was trying to transfer money into my checking account to pay my rent, the money ended up getting transferred somehow into this secured account that shouldnt have been opened because it was declined. Now theyre telling me that I have to wait XXXX to XXXX business days to receive the money back. How can this account accept money if was declined to the customer. This has now put me in jeopardy of being homeless because it was my only means of money to pay my rent.

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 2025-07-02 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: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-02 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: VA

Complaint narrative:
b'XXXX XXXX XXXX XXXX XXXX XXXXTransunion\nP.O. Box 2000 \nXXXX XXXX XXXX\n\nTo Whom It May Concern,\nThis letter is a formal complaint that you are reporting inaccurate and incomplete credit information.\nAccording to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account.\nI demand to see verifiable proof (i.e.: an original consumer contract with my signature on it) that you have on file for the account listed below.\nYour failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below.\nI demand that the following account be verified or removed immediately:\n1.\tI was never late on this account.\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccount Number XXXXnPlease remove this inaccurate information on my credit report.\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXPlease remove this inaccurate information on my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXPlease remove this inaccurate information on my credit report\n\n4XXXX XXXX XXXX XXXX XXXX XXXXnPlease remove this inaccurate information on my credit report\n\nIn addition, please remove all non-account holding inquiries over XXXX  days old. Also, please add a promotional XXXX to my credit file.\nUnder federal law, you have XXXX  (XXXX) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX  (XXXX) days of the completion of your re-investigation.\nThank you,\nXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: MA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 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 XXXX XXXX XXXX  REMOVED from my credit report, except for XXXX XXXX XXXX XXXX XXXX  listed below : 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 2025-07-02 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 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 CA XXXX ACCOUNTS : XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$530.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$640.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$150.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$63.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: FL

Complaint narrative:
Dear LVNV FUNDING : I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. The reporting inaccuracies concerning these accounts violated both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 U.S Code 1692 ( e ) and 15 U.S Code 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in my state. 
XXXX. Evidence of the alleged debt, including any contracts or agreements bearing my signature. 
XXXX. Complete accounts history, inclusive of all collection-related charges. I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S Code 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account.

Furthermore, per-15 U.S. Code 602 ( a ) ( 2 ), no account can be furnished without my written instructions. Your actions have infringed upon my rights under several sections of the * * * * * * 1692 ( d ) : Harassment or abuse in connection with debt collection. * 1692e : Use of false, deceptive, or misleading representations. * 1692g ( b ) : Failure to properly disclose my rights. * 1692f : Use of unfair or unconscionable means to collect a debt. I request the inmediate deletion of this disputed account from all * * * * * * * * * * * * * * * * * * reporting agencies due to its unrecognized status and the absence of contractual obligations. Your prompt attention to this matter is appreciated. Failure to comply may results in further legal action to protect my rights and interests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Equifax Information Services XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 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 XXXX XXXX XXXX REMOVED from my credit report, except for XXXX XXXX XXXX XXXX XXXX listed below : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Ally took away my provisional credit with XXXX grounds. when I requested regulation E documentation they fought tooth and nail to not give it finally I reported it to the CFFB and they sent it all they have is a receipt but no proof. no IP address no other information that shows I made it I do not recall ever making this transaction they provided links that apparently prove I made it I visited those links and they do not have anything to do with me one is a XXXX XXXX for sale. 

I just discovered that Ally Bank charged off my account on XX/XX/year>, despite the dispute for the {$82.00} and {$57.00} transactions still being unresolved. This happened while my CFPB complaint is still open and active. 

The merchants evidence does not prove I authorized the transactions. Ally 's decision was based on weak documentation that does not meet Regulation E standards for consumer authorization. 

Charging off my account during an open complaint is retaliatory and unfair. I am requesting immediate assistance in having the charge-off reversed and the dispute reviewed properly.

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 2025-07-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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