vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : TransUnion XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Equifax XXXX. Box XXXX XXXXXXXX XXXX XXXXXXXX Experian XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : No Reinsertion of Previously Deleted Accounts FCRA 611 ( a ) ( 5 ) ( B ) To Whom It May Concern, I am writing to formally request that you do not reinsert into my credit report any previously deleted accounts, inquiries, or derogatory items that have been removed from my credit file. These items were either inaccurate, unverifiable, or outdated, and were rightfully deleted in accordance with the Fair Credit Reporting Act ( FCRA ). 

Under FCRA Section 611 ( a ) ( 5 ) ( B ), a credit reporting agency must not reinsert any item of information that has been deleted from a consumers file unless : XXXX. The furnisher certifies that the information is accurate and complete, and XXXX. The credit bureau notifies the consumer in writing within XXXX business days of the reinsertion. 

I am requesting that you : Permanently block reinsertion of all such previously removed accounts or items Notify me immediately in writing if any data is ever reconsidered for reinsertion Maintain full compliance with FCRA reinsertion provisions Please treat this letter as a preventive measure and formal notice. If any deleted accounts or inquiries reappear on my credit file without full FCRA compliance, I will pursue all available legal remedies. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: MD

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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
These people had kept me unable to view any of my bank statements make any updates or changes to my account for over a year they claim that there was absolutely no way to do anything then they closed my account done by customer support agent now because of fraud or anything at all and mail a check to an address that didn't exist when I'm telling him that the address doesn't exist and now I've been not only backed out of my account with finally I'm able to see my bank statements after a year and but they have the account closed my money 's gone and it's because impossible to maintain a real life I'm homeless now I lost my vehicle I haven't been able to run my business and I need help from you guys they're still denying as well do it will not reverse what the malicious customer support rep did and then interested there was no way they had no tools they could not update or do anything and then went to close the account it's just a far cry from any type of banking standards whatsoever this is I this is the worst thing by far in the worst customer help support I've ever had

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: FL

Complaint narrative:
This is my fourth dispute, and you are now bordering on willful noncompliance with federal law. Under FCRA 1681n, consumers may sue for willful noncompliance and seek statutory damages. You are also in violation of the Consumer Data Industry Association ( CDIA ) standards, and possibly breaching FTC guidelines on fair reporting. I demand immediate deletion of all unverifiable, inaccurate, or misrepresented data before I initiate formal regulatory complaints and legal proceedings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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 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 2025-07-27 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: OH

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 explanation
Consumer complaint received 2025-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in Transunion

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 2025-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Halsted Financial Services, LLC.
State: MO

Complaint narrative:
Account # XXXX. XXXX unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide XXXX Mail with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: MO

Complaint narrative:
Account # XXXX. XXXX unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide XXXX Mail with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am filing this complaint because the consumer reporting agency has included unauthorized hard inquiries on my credit report, which were not initiated by me. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ) and 15 U.S.C. 1681g ( a ) ( 5 ). These sections prohibit reporting inquiries not initiated by the consumer unless specific conditions are met, such as prior written authorization or a firm offer of credit. I did not authorize these inquiries and never provided my written consent. As such, their presence on my credit report is unlawful. The consumer reporting agency has also failed to provide evidence of permissible purpose or documentation containing my signature authorizing these inquiries.

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 2025-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
A year ago the bank explained it will take over a week for a check to be deposit to my account due to my signature, I had to explain to them its my signature, finally deposit funds in my account. 
A few weeks ago, they ask me to state my card number, and then laugh and transfer me over after. 
On XX/XX/year> I try to use my card, at a XXXX XXXX and they alert my phone to call them instead of requesting a fraud alert with I have requested numerous time. 
I was on the phone over 20 minutes, being transferred with no explanation on why, and on top this is a regular merchandiser I purchased from. 
Also late at night someone called me, sound like a young man, stating he was chase and I reported his call to the bank and they ignored me, never follow up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I deposited a {$2000.00} check into my USAA checking account ( that I have since closed because of how USAA handled this issue ) not knowing that it was fraudulent. I realised within an hour before spending any of the deposited funds. I called them right away and reported the issue, but they said I was liable to cover the amount deposited myself, as the check was fraudulent. They had no compassion, and I spoke to multiple customer service agents/managers. They made me feel ashamed, stupid, and as if I should have known that the check was fraudulent right away, even though it appeared to be completely legitimate. It was the worst customer experience I've ever had. It left me angry and sad. I now have a hard time trusting companies and double-, triple-check EVERYTHING. I had been with USAA for over a decade -- with a checking and savings account and multiple credit cards. I had car insurance with them. I'd used them for a car loan when I bought my first car. To be treated the way I was treated after years of loyalty was appalling. I wanted to share my experience here with everyone, so they can know to stay away from USAA!

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 2025-07-27 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: NY

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in XXXX XXXX Equifax Information Services LLC ( XXXX XXXX 2018 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: UT

Complaint narrative:
Subject : Urgent Dispute & Demand for Deletion Under FCRA 611 & FDCPA 809 Dear [ Credit Bureau Name ], I am formally disputing the accuracy of an account that appears on my credit report. Under 15 U.S. Code 1681i ( FCRA Section 611 ), I demand that you reinvestigate and delete this information within 5 days, as it is inaccurate, incomplete, and unverified. Additionally, under 15 U.S. Code 1692g ( FDCPA Section 809 ), I am requesting strict validation of this alleged debt. 
Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

My Demands for Verification : I require strict proof of validation, including but not limited to : Complete itemized account history showing all transactions.

Original signed contract/agreement proving my obligation to this account.

Method of verification used by your bureau to confirm the validity of this data. 
Date and party that last verified this information and the source used.

Legal Notice & Consequences for Non-Compliance : FCRA Section 611 requires that unverifiable information be deleted immediately.

FDCPA Section 809 prohibits the reporting of debts that lack full validation.

If you fail to comply, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue legal action for damages. 
I expect a written response within 5 days confirming the removal of this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: OH

Complaint narrative:
Purpose : Follow-up on Complaint ID XXXX due to lack of full written transparency and retaliatory behavior after filing I am filing a second complaint against Weltman, Weinberg & Reis Co. , LPA related to their handling of Complaint ID XXXX, submitted on XX/XX/year>. 

Issue Summary : The company responded to that complaint on XX/XX/year>, but did NOT provide the documentation I requested : No clear breakdown of how my $ XXXX in payments were applied No explanation of how interest and court costs were calculated No written payoff schedule New Problem Triggered by My First Complaint : After filing my first complaint in early XXXX, Weltman still processed my {$200.00} XXXX payment as usual showing no technical issue. 

But in XX/XX/year>, after their CFPB response posted : They refused to process my monthly {$200.00} payment I called on XX/XX/year> and spoke with XXXX XXXX, then XXXX XXXX ( supervisor ) Note : The names XXXX XXXX and XXXX XXXX were provided verbally over the phone on XX/XX/year>. While I believe these are accurate, there is a chance of minor spelling errors due to no written confirmation being provided at the time. 

I asked for a written statement confirming that payments were paused because of the CFPB complaint, as they claimed. 

Both refused : They would not issue any written confirmation They denied my request for even a basic letter showing why my account is in limbo for XXXX This puts me in a legally vulnerable position despite my consistent payment history. 

Documentation Withheld : In XX/XX/year>, I sent a certified letter requesting : Full accounting of all payments Interest and cost breakdown Accurate payoff total and timeline They mailed back a bare spreadsheet, with no interest calculations, no explanations, and did NOT upload it to the CFPB complaint portal. 

This means my original complaint response was left incomplete, and now my account has been frozen or retaliated against, with no paper trail to defend myself.

What Im Requesting Now : 1. A written explanation for why XXXX payment was blocked XXXX. A letter confirming XXXX CFPB activity affected my payment status 3. Full written breakdown of my payments, interest, court costs, and current payoff 4. That the spreadsheet sent by mail be uploaded to my first CFPB case file ( XXXX ) for documentation I Am Not Disputing the Judgment I am requesting transparency. Their refusal to document decisions in writing even when directly asked prevents me from protecting myself legally, keeping payment records, and ensuring my credit report remains accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am filing this complaint against Care Credit regarding an alleged debt they claim I owe. I have sent them a formal debt validation request dated [ Insert Date ] under the FDCPA ( 15 U.S.C. 1692g ) requesting the following : Name of original creditor Complete itemization of the debt Copy of the original contract Legal authority to collect in my state Chain of assignment They have failed to provide any of the required documentation and continue to report this unverifiable debt to credit bureaus. This is a clear violation of the FDCPA and FCRA.

I request the CFPB take action and direct the company to provide full documentation or cease all collection and credit reporting activity. Attached is my validation letter and proof of mailing.

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 2025-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 XXXX 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 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 2025-07-27 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: 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 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 XXXX 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 2025-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was banking with Wells Fargo back in XXXX  when I got my settlement check from XXXX XXXX XXXX XXXX it was for {$50000.00}. I deposited the whole check in a checking account and they gave me a credit card as well but as time went on I started noticing funds were being transferred out and it wasnt by me and apparently I was trying to take out {$2000.00} from an ATM. But when I was trying to get my bank statements to see what was going on they wouldnt give them to me since the lawsuit was filed.

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