vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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: VW Credit
State: NV

Complaint narrative:
This complaint is being filed against XXXXXXXX XXXX XXXX XXXX for conducting an unauthorized and unlawful credit inquiry on my XXXX  consumer credit report. The inquiry was made without my knowledge, consent, authorization, or any permissible purpose as required under the Fair Credit Reporting Act ( FCRA ). 

Unauthorized Inquiry Identified XXXXXXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/year> I did not apply for credit, request financing, authorize a credit pull, or engage in any transaction with XXXX XXXX XXXX XXXX that would legally justify accessing my credit file. No communication, contract, or interaction occurred that would grant them permission to obtain my consumer report.

FCRA Violations This unauthorized access constitutes a direct violation of : FCRA Section 604 requiring a permissible purpose for every credit inquiry.

FCRA Section 609 ( a ) ( 1 ) granting consumers the right to know the source and purpose of each inquiry.

Since no permissible purpose existed, XXXXXXXX XXXX XXXXXXXX XXXX had no lawful basis to access my XXXX  credit file. Obtaining a consumer report without valid authorization or legitimate reason is a violation of federal law and constitutes an invasion of my financial privacy. 

Nature of the Complaint This complaint alleges the following misconduct by XXXXXXXX XXXX XXXXXXXX XXXX : Accessing my consumer report without authorization Failing to obtain written, verbal, or implied consent Using ( or attempting to use ) my personal information for an impermissible credit-related purpose Causing damage to my credit profile through an unauthorized hard inquiry Violating my rights under the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing as a consumer to formally dispute certain information on my credit report. I have noticed inaccuracies regarding accounts listed as charged-off, as well as late payments, which I request to be investigated and corrected. Below are the details of the accounts in question : Charged-Off Accounts : Account Name Account Number Date Opened Balance XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$590.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$630.00} Late Payments : Account Name Account Number XXXX XXXX XXXX Inquiries : No inquiries are being disputed at this time. 

I am requesting that Experian review these accounts, verify their accuracy, and remove or correct any information that can not be verified or is inaccurate. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to ensure my credit file is accurate.

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 2025-12-03 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: HI

Complaint narrative:
I'm reaching out to demand the immediate deletion of a tradeline currently being reported on my credit file. The information being reported is not accurate, and more importantly, it is not being reported with the maximum possible accuracy, as required by law. Thats not just a technicality thats a clear violation of the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ).

Let me be clear : If you can not report this tradeline with 100 % precision down to every detail, from dates to balances to payment history then you have no legal right to report it at all. Reporting partial, inconsistent, or unverifiable data is not only misleading, it directly damages my creditworthiness and credibility as a consumer. Thats not something I take lightly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: FL

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-12-03 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: FL

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-12-03 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: CA

Complaint narrative:
I found incorrect details in my personal profile, including outdated or unfamiliar names, addresses, phone numbers, and employment history. Some of this information is not associated with me, and these inaccuracies could lead to misidentification or confusion with others.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my personal information. I am requesting a full investigation and prompt correction of these errors.

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 2025-12-03 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: CA

Complaint narrative:
I am disputing the following charged-off accounts on my TransUnion credit report : XXXX - Account No. XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, XXXX : {$1400.00} XXXX  XXXX - Account No. XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00} XXXX XXXX - Account No. XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, XXXX : {$5800.00} XXXX XXXX - Account No. XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3700.00} XXXX - Account No. XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXX XXXX XXXX - Account No. XXXXXXXX XXXX XXXX, Date Opened : XX/XX/XXXX, XXXX : {$9900.00} XXXX - Account No. XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, XXXX : {$780.00} XXXX - Account No. XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4200.00}

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 2025-12-03 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: TX

Complaint narrative:
I am seeking the immediate removal of these fraudulent accounts from my credit report, as I did not authorize or recognize them. Under USC 1681g, I request their deletion within 15 days. Relevant supporting documentation is enclosed.

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 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: AZ

Complaint narrative:
I went to a local XXXX  to do a cash deposit ( reload ) of XXXX XXXX dollars on XXXX XXXX XXXX. The funds were not deposited three hours later, so I called chime 's customer support.Who opened up a dispute. They opened the dispute for the incorrect amount.And even though I provided a receipt with the correct amount, they denied the claim.When I called back, I spoke to a supervisor who assured me that they reopened the dispute with the correct amount, and that I would receive a follow up. I re uploaded the necessary receipts that I was asked to and I received no communication since. I received a provisional credit on my account but they have since removed the credit. I spent three hours on the phone today.Speaking to two separate departments, the last place I spoke to was a supervisor and the dispute team who told me my claim was denied despite receiving any information as to why and he would not provide me any other information on what I needed to provide from the merchant.But that I was just supposed to speak to them, to get more information.He then told me he could not provide me a corporate phone number to file a formal complaint.And he disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: TX

Complaint narrative:
This account was a total loss and paid in full effective XX/XX/year> for {$810.00}. I was never 30 days late on any payments. The last payment owed was for XX/XX/year>, how is it reporting 30 days late for XX/XX/year>. Called XXXX on XX/XX/year> to try to clear the issue up, the rep said he didn't see any late payments on the account and I would have to dispute directly with the credit bureaus. The last payment due was for XX/XX/year>, there was no payments due in the month of XX/XX/year>. This account should have been closed once the payoff was made on XX/XX/year>.

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 2025-12-03 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: CT

Complaint narrative:
I submitted a formal dispute to the credit reporting bureau on [ insert date ] regarding inaccurate late payment remarks on my credit report.

The account ( s ) I disputed are : DEPT OF EDUCATIONXXXX Account XXXX XXXXXXXX Late payment ( s ) reported on XX/XX/year> In my letter, I requested : A reinvestigation of the late payment remark ( s ) Proper verification and documentation of the derogatory reporting A description of the method of verification used, as required by FCRA 1681i ( Section 611 ) As of today, over 30 days have passed and I have not received a response, nor has the inaccurate information been corrected or removed from my report.

This failure to investigate and respond violates multiple provisions of the Fair Credit Reporting Act, including : FCRA 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation FCRA 1681e ( b ) Failure to ensure maximum possible accuracy I am now forced to escalate the matter due to the bureaus noncompliance.

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 2025-12-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filling this report because I am victim of Credit card fraud and I have no knowledge of this account. 
Bank of America XX/XX/year>

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 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I am filling a complaint against CareCredit regarding an incident that happened XX/XX/year> at the Walmart in XXXXXX/XX/XXXX 

While attempting to make a purchase, my CareCredit card kept declining, even though I had more than enough available credit, and my card had already been activated. 

At the Walmart register, the cashier asked me to run the card multiple times, then told the front end manager, that they could not call CareCredit and that they also could not key in the card manually. Both employees refused to assist further, even though the card repeatedly declined for no reason. 

Because Walmart would not call CareCredit, I personally called CareCredit myself right there at the register. On that phone call, CareCredit : - Confirmed my card was activated. 
- Confirmed exactly what items I was purchasing - Confirmed those items were allowed. 
-Confirmed I had more than enough available credit to complete the transaction. 

Despite this, because Walmart 's system kept swiping the card over and over, CareCredit told me that their system flagged this as " risky spending behavior '' ( their wording or similar ), and they responded by reducing my credit limit by {$500.00} the very same day.

This reduction was caused entirely by Walmart 's repeated swipes and refusal to call or key in the card, not by anything I did. I had not even used the card once prior to this incident.

It also appears that Walmart 's POS system can not pr
ocess this card properly because the card has no chip, and they made no attempt to assist beyond repeatedly running it.

I am requesting the CFPB 's assistance in : 1. Having CareCredit restore my original credit limit, and 2. Providing a clear written explanation as to why they penalized me for something caused by Walmart employees, not me. 

Thank you for your help!

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 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: OR

Complaint narrative:
In early XX/XX/year>, U.S. Bank closed my checking account without providing me any notice, explanation, or opportunity to resolve the situation. Their written response to my previous CFPB complaint contains multiple contradictions and does not justify the closure.

In U.S. Banks response, they admitted that a replacement debit card was mailed to me on XX/XX/year>, yet they closed my account only seven days later, on XX/XX/year>. If the account was scheduled for closure, it is unclear why the bank mailed a new card. U.S. Bank has not provided any internal documentation explaining this contradiction. 

I did not receive any closure notice, adverse action notice, or explanation before the account was terminated. U.S. Bank stated that notices and emails were sent, but they did not provide timestamps, copies of the notices, or evidence that these communications were ever delivered. The only letters included in their attachments were generic overdraft notices dated XX/XX/XXXX and XX/XX/XXXX, neither of which mention account closure. 

U.S. Bank also acknowledged that I had opted out of debit overdraft coverage. Despite that, they continued processing ACH transactions that increased the negative balance. Since I did not opt in to overdraft coverage, the bank should not have allowed additional ACH withdrawals that deepened the overdraft. U.S. Bank did not explain why these transactions were approved, nor why the requested return feature was not applied.

As part of this complaint, I am attaching all of the documents U.S. Bank provided in their prior CFPB response, including their overdraft notices, monthly statements, and the generic Account Agreement. None of these documents explain or justify the closure, the lack of notice, the contradictory timeline involving the debit card mailing, or the refusal to reinstate the account.

U.S. Bank did not provide any internal logs, closure decisions, risk flags, communication timestamps, or required adverse action documentation. The timeline provided is inconsistent, and their actions have negatively affected my ability to open new accounts due to XXXX  reporting. 

I am requesting CFPB assistance because U.S. Bank has not provided a clear explanation for the closure, did not follow required notice procedures, and supplied attachments that do not address the core issues raised.

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 2025-12-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I am disputing a {$50.00} collection listed by Columbia Debt Recovery LLC ( dba Genesis ) for XX/XX/XXXXXXXX. I never lived at XX/XX/XXXXXXXX, never signed a lease, and never owed this debt. 

Below is a clear timeline of events demonstrating that I never lived at XX/XX/XXXXXXXX, never signed a lease, and could not possibly owe any move-out balance : XX/XX/year>XX/XX/XXXXXXXX denied my housing application. 
XX/XX/year> A XX/XX/XXXX leasing manager emailed written confirmation that my application was denied effective XXXX and stated that my {$750.00} holding deposit would be refunded within 21 days. 
XX/XX/year> XXXX ( the property manager at the time ) sent a move-out statement showing a {$50.00} balance. I never moved in, never had keys, never occupied a unit, and never had a lease, therefore a move-out charge is impossible. 
XX/XX/year> My wife emailedXX/XX/XXXX to dispute the {$50.00} charge.XX/XX/XXXXnever responded. 
XX/XX/year> Genesis emailed me a collection notice for {$50.00}, claiming a debt owed toXX/XX/XXXXXXXX. 
XX/XX/year> My wife emailed bothXX/XX/XXXX and Genesis disputing the validity of the charge. Neither company responded. 

I never lived on the property, never signed any lease agreement, and never incurred any move-out charges. Because no tenancy ever existed, no debt could legally exist. The creditor has provided no documentation proving a lease, charges owed, or any basis for a collection. 

We requested that Genesis provide documentation verifying the debt, including proof of a lease or tenancy, and remove the account if it could not be verified. No information or verification was ever provided. 

This collection is false, invalid, and should be removed from credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: IL

Complaint narrative:
I am submitting this complaint because the credit bureaus Experian, Equifax, andXX/XX/XXXX have failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ) 605B and 611.

Nearly one month ago, I submitted a formal identity theft dispute and demand for the deletion and blocking of several fraudulent accounts. I provided all required documentation, including : FTC Identity Theft Report ( filed earlier this year Identity Theft Affidavit Copy of my government ID Proof of address Full supporting evidence confirming the accounts are fraudulent Under FCRA 605B, the credit bureaus are required by law to block and delete fraudulent information within 4 business days after receiving proper identity theft documentation. However, it has now been almost 30 days and none of the credit bureaus have responded or removed the fraudulent accounts. 

The fraudulent accounts still reporting are : XXXXXX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXX I also invoked my rights under FCRA 611 and requested the full Method of Verification, including : How the accounts were verified Who verified them The date and method used The original source of the data The credit bureaus have not provided any method of verification, nor have they removed these identity theft accounts. 

This ongoing failure has caused : Significant emotional distress XX/XX/XXXXFinancial harm and loss of opportunity Ongoing disruption and reputational damage Their refusal to comply with federal law and their lack of response is a direct violation of FCRA 605B and 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following accounts that are inaccurately reported on my credit report. Please review and correct these discrepancies as outlined below : Charged Off Accounts XX/XX/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