vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-05 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: Bridgecrest Acceptance Corporation
State: TN

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX account went into delinquency in XX/XX/year>. The first missed payment was in XXXX of XXXX. It is stated in the FCRA codes and laws that the delinquency is the first missed payment and the day of a repossession. All three credit bureaus are reporting the delinquency date of the repossession date, the date the car was repossessed. This is inaccurate. The First missed payment was XXXX of XXXX which means this account should be deleted for XXXX  years from the delinquency date.

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 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX account went into delinquency in XX/XX/year>. The first missed payment was in XXXX of XXXX. It is stated in the FCRA codes and laws that the delinquency is the first missed payment and the day of a repossession. All three credit bureaus are reporting the delinquency date of the repossession date, the date the car was repossessed. This is inaccurate. The First missed payment was XXXX of XXXX  which means this account should be deleted for XXXX  years from the delinquency date.

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 2025-10-05 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XX/XX/year> XXXX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to dispute information on my credit report that I believe is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ), specifically under the provisions of 15 USC 1681i ( 7 ). As a consumer, I have the right to ensure that my credit report is free from any erroneous or outdated information.

Upon reviewing my credit report from your agency, I have identified the following inaccuracies : Please list any specific inaccuracies, such as incorrect account balances, incorrect payment history, or outdated information. This misinformation is damaging my credit score and financial standing and may also be a violation of 15 USC 1681-I ( 7 ), which requires the accurate reporting of consumer information. 

I request that you investigate these discrepancies and provide me with a written explanation of the results of your investigation, in accordance with the FCRA guidelines. I also request that the inaccurate information be removed from my credit report as soon as possible.

Please note that under the FCRA, you are required to complete the investigation within 30 days of receiving my dispute. Failure to comply with this timeline and correct any inaccuracies may result in further legal action. 

I appreciate your prompt attention to this matter and look forward to receiving a written response within the specified time frame. I appreciate your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I used a XXXX XXXX Bank Credit Card for dental work. On my last statement, they added {$980.00} interest charge. When I called them they said that the interest rate is now XXXX - XXXX because the promotional rate expired and the balance is {$1500.00} left from an original charge of {$2400.00}. 

I believe these interest rates to be usurious and illegal. 

Thank you.

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 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-10-05 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: United PanAm Financial Corp.
State: MS

Complaint narrative:
United Auto Charged-Off Auto Loan Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance shown : {$16000.00} ( charged-off ; profit-and-loss write-off ) Opened : XXXX Payment : XXXX : Open / Collection-Charge-off Key Inaccuracies/ Violations Appears only on TU FCRA 623 ( a ) ( 1 ) ( A ) duty to report complete & accurate data to all CRAs.

Still marked Open even though its a charged-off account inaccurate status ( FCRA 607 ( b ) ; Metro-2 Closed-CO required ).

No month-by-month payment history furnished incomplete data ( FCRA 607 ( b ) ).

Amount in dispute : {$16000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I deposited 2 ( two ) verified checks via mobile deposit on the Chase bank appand it was flagged by them as suspicious, unusual activity. This happened on XX/XX/year>. They emailed me saying that it was on hold a few days later they released the funds to my account and it informed me that it was available on XX/XX/year> they informed me that my other check that was on hold as well was no longer on hold, and they had released the funds to my account and it was now available. I called them again and they said that they were going to close my account within 10 days, but that the funds were available and they wanted to verify with the third-party yet they would not allow me to access my funds that were on the account already prior to these deposits. They informed me that the checks were valid and they had been deposited onto my account. I informed them that I am going through hardship, struggling with rent and bills and would like to at least have a partial withdraw of my account which they denied. This is why I am filing a claim due to not being able to access my funds. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: WA

Complaint narrative:
I am trying to get all XXXX student loans that are in default out of default on an income based repayment plan so that I can attend XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. As long as they are in default I can not apply for Financial aid. That being said I also applied to have them dismissed as the school closed down being a part of the XXXX scandal. XXXX XXXX XXXX was the school and XXXX XXXX was the other.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I had a XXXX XXXXXXXX XXXX XXXX that I did not link to my Cash App card for payments, yet somehow a payment was sent from my cash app. after some very tragic family issues arose I was having a hard time paying for everything by myself, but I was able to pay my power bill and that's it and when I went to pay it, the money was gone and in my history on the cash app app, it said XXXXXXXX XXXX XXXX XXXX XXXXXXXX and I didn't get any kind of notification. I chatted with XXXX or XXXX different people claiming to be customer service from cash app and I didn't get any answers about anything. They just stopped responding once the chat was over. My water got shut off and my house went into foreclosure because of that first payment that I missed. It totally screwed me. It was about a year ago. I didn't know this complaints thing was a thing. I'm old Can anything be done or is it too late?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hi, its been a couple years that I noticed that the unauthorized and fraudulent account on my credit report. The bank name is XXXX XXXX, opened on XX/XX/year> and closed on XX/XX/year> and reported 6 years and 3 months late. 
I disputed a couple times but it was never approved.

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 2025-10-06 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: GA

Complaint narrative:
Dispute of Collection Account Request for Immediate Removal Dear CFPB / Credit Bureau, I am writing to formally dispute the unauthorized exposure of my personal data, which has compromised sensitive information, including Social Security numbers, financial records, and personal identifiers. This breach represents an egregious violation of multiple consumer protection laws, including : Fair Credit Reporting Act ( FCRA ) Failure to safeguard consumer data from unauthorized access and identity theft. 

Gramm-Leach-Bliley Act ( GLBA ) Negligence in securing financial and personal information. 

Federal Trade Commission Act ( FTC Act ) Unfair and deceptive practices leading to consumer harm.

Identity Theft and Assumption Deterrence Act Exposure of personal identifiers increases fraud risk. 

Given the severity of this breach and its direct impact on my financial security, I demand the following IMMEDIATE actions : Written confirmation of whether my personal data was compromised and where it has been exposed. 

Detailed explanation of security failures, including preventive measures taken post-breach. 

If you could remove my personal data from any unauthorized databases, it would be a good idea to stop further exploitation. 

Provision of identity theft protection services at no cost to me. 

Monetary compensation for damages and security failures impacting my personal information.

Failure to respond and take corrective action within 30 days may result in legal action, including the filing of formal complaints with the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), state attorney general offices, and relevant financial regulatory agencies.

Account Name : XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Subject : Request for Removal of Hard Inquiry from Credit Report Dear [ Equifax ], I hope this letter finds you well. I am writing to formally request the removal of an unauthorized or inaccurate hard inquiry from my credit report. I recently reviewed my credit report and noticed a hard inquiry listed under the following details : Company/Agency Name : [ COAF ] Date of Inquiry : [ XX/XX/XXXX ]. 

Upon further review, I believe this inquiry was either made in error or was not authorized by me. As this inquiry may have impacted my credit score and is potentially harming my creditworthiness, I kindly request that it be removed from my report. 

Please find below the relevant information to assist in your investigation : Full Name : [ XXXX XXXX ] Date of Birth : [ XX/XX/XXXX ] Social Security Number : [ XXXX ] Current Address : [ XXXX XXXX XXXX XXXX La XXXX ] If necessary, I am more than happy to provide any additional documentation or clarification regarding this matter. I would appreciate it if you could confirm the removal of the inquiry at your earliest convenience. 

Thank you for your prompt attention to this issue. I look forward to your timely resolution. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
this account was opened without my knowledge or consent on XXXX in the amount of XXXX, I'm requesting this account be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: Upstart Holdings, Inc.
State: AR

Complaint narrative:
UPSTART / XXXX XXXX  Personal Loan ( Charged-off & Sold ) Acct # : XXXX * Original High Bal : $ XXXX {$0.00} ( shows purchased by another lender ) Status : Closed Collection/Charge-off / Sold Violations/ Inaccuracies Mixed coding : TU shows CO {$0.00} ; EX shows CO with series of XXXX XXXX EQ shows CO & purchased by another lender FCRA 623 ( a ) ( 1 ) ( A ) inconsistent / inaccurate Payment-history grid shows lates XXXX even after sold XX/XX/year> illegal re-aging / FCRA 605 ( c ) If collector fails to validate after sale FDCPA 809 Violation Amount ( orig balance for claim ) : {$7800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: Chime Financial Inc
State: TX

Complaint narrative:
There were several charges on my account that I did not authorize. Some of them were XXXX  or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf.

This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. This is a formal complaint against XXXX XXXX XXXX a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported.

Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C.

1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
My account was jeopardized my mobile phone information, including my debit cards for PayPal were compromised. I received notifications of Transactions that I did not authorize. I also investigated further and noticed Transactions that I was not aware of. I then immediately reported these transactions as well as changed my login information and passwords and reported this to PayPal. I asked them to please try to reverse these payments or to help me get my refunds for these transactions. They informed me that these transactions were consistent with my payment history. I informed them that these payment histories were definitely not approved by me and were unauthorized as someone had gained access to my debit card information. They refused to help me and denied my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: KEYCORP
State: PA

Complaint narrative:
I am disputing the inaccurate reporting of the Key Bank account. The account is reported as a " Charge Off, " yet it shows a balance of {$990.00}. A legitimate charge-off should reflect a XXXX balance with the original creditor, as the asset has been written off their books. Reporting a balance is materially misleading and inaccurate, in violation of 15 U.S.C 1681e ( b ). Furthermore, the reported " High Credit '' ( {$2300.00} ) exceeds the " Credit Limit '' ( {$500.00} ), which is an anomaly that requires an explanation and verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf.

This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am submitting this formal complaint against Equifax for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Equifax with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent accounts from my credit report, as required by law. Specifically, the accounts in question include ce and supports the claims made in this complaint.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX which datea furnisher confirmed would be removed but remains on my report ; it is an identity theft-related and should have been blocked under 1681c-2 of the FCRA. Equifaxs refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm. For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation