vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing pursuant to 15 U.S.C. 1681i and 15 U.S.C. 1681c-2, which grants consumers the right to dispute and remove inaccurate or fraudulent items from their credit reports. I have identified hard inquiries on my credit report that were made without my knowledge or expressed written consent. These inquiries are unauthorized and constitute identity theft as defined under federal law. As a result, I request the immediate deletion of the following unauthorized hard inquiries from my credit report as they are a violation of permissible purposes outlined in the FCRA : 1. Identity Theft XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.

2. Identity Theft XXXX XXXX XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.

3. Identity Theft XXXX XXXX XXXXXX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 4. Identity Thef
t XXXX XXXX  XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.

5. Identity Theft XXXX XXXXXX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.

6. Identity Theft XXXX XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.

7. Identity Theft XXXX XXXX XXXXXX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.

8. Identity Theft XXXX XXXX XXXXXX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.

9. Identity Theft XXXX XXXX XXXXXX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.

10. Identity Theft XXXX XXXX XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.

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 2025-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: IL

Complaint narrative:
Ive had my account since XXXX and it was closed randomly this XXXX of XXXX. I reached out and asked why was my account closing and they said they were not able to give out a reasoning. It was very unprofessional and cost me a lot of time because Chime was my main bank account. So I had to go through troubles last minute updating everything that my account funded and try and open a new bank account else where. I am very disappointed in this because I dont understand why that would happen to me and for them to say theyre not able to give reasoning is upsetting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently updated my Equifax credit report expecting improvements after multiple disputes, but I was extremely disappointed to find that the same account I never authorized to be reported is still being shown. I have spent a significant amount of time disputing this information, providing documentation, and even speaking with Equifax representatives, yet the issue remains unresolved. This situation has become exhausting and has caused ongoing harm to my credit and financial stability. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b ( a ) ( 2 ), a consumer reporting agency is only permitted to furnish or report a consumers information with the consumers written authorization. I have never given Equifax, nor the furnisher, permission to report or share this account. Additionally, reporting a transaction that was not initiated or authorized by me violates 15 U.S.C. 1681b ( c ) ( 1 ) ( A ). ( XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX, and XXXX XXXX XXXXXXXX Account Number : XXXX ). I also filed a Police Report in XX/XX/XXXX confirming that I am a victim of identity theft. Despite this, and despite multiple disputes submitted to Equifax, the account continues to be reported. I called Equifax and the agent ensured me that the account would be removed, yet it still appears on my credit file. This ongoing reporting is not only inaccurate but also negligent and harmful. I attempted to file a new FTC Identity Theft report, but the FTC website has been temporarily unavailable. I am including my previously issued FTC Identity Theft Report from XX/XX/XXXX to show that I have been actively working to correct this situation and that this is not new information. If Equifax continues to report this account after being notified and provided documentation, this constitutes willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 15 U.S.C. 1681o. I am sincerely requesting assistance because I am tired of going in circles. This is affecting my credit, my financial well-being, and my peace of mind. If this issue is not resolved, I will be forced to pursue legal action to protect my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXXI am filing this complaint because TransUnion violated my rights under the Fair Credit Reporting Act (FCRA) by refusing to conduct an investigation into my formal dispute of inaccurate information appearing on my credit report.\nOn XXXX XXXX XXXX I mailed a detailed dispute letter to TransUnion via certified mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My letter identified several inaccurate and unverifiable accounts, including but not limited toXXXX XXXX XXXX   inaccurate activity dates and unverifiable payment informationXXXX XXXX XXXX XXXXnconsistent late payment history across bureausXXXX XXXX  missing and conflicting payment history datXXXX XXXX XXXX   unverifiable payment historyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   all containing inconsistent or incomplete reporting across credit bureaus\n\n\nI included copies of my government-issued ID, Social Security card, and proof of address in accordance with FCRA requirements for identity verification\n\n.\nDespite this, TransUnion responded by letter dated XXXX XXXX XXXX  claiming:\nWe recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party.\nThis statement is inaccurate.\n I personally mailed the dispute from my own address, with proof of certified delivery. There was no third party involved, and TransUnion had all the required verification documents in their possession.\nUnder FCRA 611(a)(1)(A) (15 U.S.C. 1681i), when a consumer notifies a credit reporting agency directly of a dispute regarding the accuracy of information in their file, the agency is required to conduct a reasonable reinvestigation to determine whether the information is inaccurate.\nTransUnions refusal to do so constitutes a willful and negligent violation of my rights under the FCRA. This has deprived me of my right to an accurate and fair credit report, potentially impacting my creditworthiness and financial opportunities"

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 2025-10-27 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: EQUIFAX, INC.
State: FL

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
Ally Bank stated that I would need to apply for an extension or modification. When I agreed to extension the representative asked me question as to how was I affording my day to day expansive. Then I was denied due to being furloughed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: VA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: SC

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I am filing a complaint regarding Citibanks refusal to properly investigate and resolve a billing dispute for incomplete and non-performed services by XXXX XXXX ( XXXX XXXX XXXX XXXX ) that were charged to my credit card ending in XXXX on XX/XX/year> for XXXX 

Summary of the Issue : I purchased and paid in full for a complete door installation from XXXX XXXX, but after nearly XXXX months, multiple contracted services remain unfinished or were never performedincluding weatherstripping, door thresholds, professional caulking, and sealing. 

I immediately contacted XXXX XXXX directly to resolve these issuesproviding correspondence, photographs, invoices, and acceptance of responsibility by XXXX XXXX for outstanding work. 

XXXX XXXX has failed to remedy the deficiencies, to refund my purchase, or to provide a credit, despite numerous follow-ups and their acknowledgement of the incomplete work in writing. 

I then filed a formal dispute with Citibank on XX/XX/year>. Citibank initiated an investigation and requested documentation, which I providedincluding a detailed timeline, photos of unfinished work, and the full email thread with XXXX XXXX showing their lack of completion and response. 

Citibank repeatedly denied my dispute, eventually stating that a valid credit slip from the merchant or third-party verification was required to proceed, despite my dispute being for non-performance, not product return. 

Citibank did not incorporate statutory consumer protection rights under the Fair Credit Billing Act, did not request all reasonable forms of third-party verification ( such as an independent contractors estimate ), and refused to pursue the matter further, citing final communication. 

No consideration was given to the fact that the merchant has not provided either a refund or the contracted service, and there was no opportunity for further dialogue or clarification of what documentation was required.

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 2025-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My credit report contains late payment entries that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my report must include only information that is accurate, complete, and verifiable. I request that these late payment entries be verified, and if they can not be confirmed, corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BYS, LLC. d/b/a Boost Your Score
State: PA

Complaint narrative:
I am writing to dispute inaccurate information on my credit report. The account listed as BYS LLC, opened in XXXX, is incorrectly reported as open. The creditor has confirmed in writing that this account is closed and satisfied. Please update your records to reflect that this account is closed with a XXXX balance.

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 2025-10-27 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: FL

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
I emailed XXXX. They emailed back and told me they did not offer hardship plans, and to either pay or continue having late fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
The Chase Sapphire card offers Auto Rental Coverage administered by XXXX  XXXX, and I am filing regarding Chases failure to process this benefit correctly. 
I am submitting a complaint regarding mishandling and lack of response for an Auto Rental Coverage claim associated with my Chase Sapphire credit card ending in XXXX. The claim, filed for a rental in XXXX during summer XXXX, involved a XXXX deductible that was charged to my card due to damage to the rental vehicle. The claim was initially denied by the benefits administrator ( XXXX  XXXX XXXX XXXX XXXX, an XXXX  company ) but was successfully reversed after providing documentation proving eligibility. I was subsequently denied a second time on new grounds, stating that accepting the Rental Agency 's XXXX coverage will cancel out this benefit. On XX/XX/year>, I submitted a formal appeal with a XXXX documentation package and requested acknowledgment of receipt within XXXX hours. As of XX/XX/XXXX, no acknowledgment or response had been received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

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