vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 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: IL

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

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

15 U.S.C section 604 A Section 2 : 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 7 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: IL

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

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

15 U.S.C section 604 A Section 2 : 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 7 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-11-10 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: CA

Complaint narrative:
I am formally disputing the accuracy and completeness of certain items appearing on my credit file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I request a reasonable reinvestigation of the following accounts. I am including copies of my identification and proof of address for verification.

Accounts in Question : 1. XXXX XXXX T

his account shows late payments ranging from 90 to 120 days across different bureaus. These inconsistencies indicate the information is not being reported accurately or completely, violating the FCRAs standard of maximum possible accuracy ( 1681e ( b ) ). Please investigate and correct or delete this item. 2. XXXX XXXX XXXX  This account reports late payments from 120 to 180 days, which is inconsistent across bureaus. Additionally, the payment history pattern appears irregular. Please verify the true payment status and ensure all late designations are supported by factual records.

3. XXXX XXXX XXXX This account shows as a charge-off with an {$86.00} balance. Given the low balance and short reported timeline, I believe this charge-off may be inaccurate or incomplete. If a 1099-C was issued, the continued balance reporting violates Metro 2 standards and FCRA 623 ( b ). If no 1099-C was issued, the charge-off itself may be invalid. Please verify all details or delete the account.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
Requested Verification of Debt on XX/XX/year>, XX/XX/year> and XX/XX/year> to XXXX XXXX XXXX  also known as Credence Resource Management and XXXX XXXX XXXX with no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/year>, TransUnion publicly disclosed a data breach that compromised consumer names, Social Security numbers, and dates of birth. I was formally notified that my personal information was included among the data exposed. Due to the unauthorized release of my identifiers, I am disputing the negative accounts currently appearing on my TransUnion credit report. I do not consent to TransUnion or any data furnisher reporting, publishing, or sharing any information that is inaccurate, unverifiable, or potentially fraudulent. The accounts in question may have resulted from identity theft, misattribution, or data corruption stemming from the breach.

Resulting Harm : These derogatory accounts have caused measurable harm to my creditworthiness and have interfered with my ability to secure financial opportunities. Because TransUnion failed to safeguard my personal information, I have reason to believe that the disputed tradelines are the product of unauthorized use, identity confusion, or other fraudulent activity directly related to the breach.

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 2025-11-10 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: SC

Complaint narrative:
Guarantee that contested accounts are erased within legal time limits.

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 2025-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Good morning. I would like to find out if I still owe a debt of {$520.00} on something that caused a debt that needs to be paid back in XXXX. Please let me know the exact amount and I will get it paid off so that it doesn't hold me back and get this cleared immediately OK. 

Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: DISCOVER BANK
State: KY

Complaint narrative:
Hi, I placed an order on XX/XX/year> from XXXX keep sake online portal for XXXX photo books and paid $ XXXX Discover credit card services. on XXXX/XXXX/205 i recieved only XXXX book instead of XXXX via XXXX mail services in my mail box. I tried to reach out to the seller via email but seller never responded to my emails. I felt that something is not right and try to explain the situation to Credit card company and filed the dispute. I demanded for the full amount refund at that time as seller was not responding to any of my emails but customer agent suggested me that since you have already received XXXX item you can only file dispute for the other half of the amount. I uploaded all the email pdf to their dispute document upload section and then credit card dispute department tried to confirm everything with the seller and put the conclusion that seller has provided them a tracking number for the items ( same tracking number for XXXX books ) which prooved that seller send the item and the tyransaction is valid. 
i again reach out to credit card disputes as i was not happy the way they resolve the dispute and they told me to go behind XXXX and the XXXX XXXX via which the seller tried to send the item. I called and spoke with XXXX customer representative and they told me since it is only XXXX tracking number and you received the package there is no way they can say that how many items were associated with the package. All i can di is to check with sender only wearther they send XXXX item XXXX XXXX item under XXXX tracking number but i am unable to do that as seller is unresponsive to me this whole time. XXXX also stated that it is under sellers responsibility to provide refunds or replacemengt for missing items and i tried to convey this to creidt card disputes but all they want is the documentation from me to go ahead with the case which XXXX denied to provide me as they are only the delivery medium into this. 
my concern and complain about the credit card services is that they are only asking more and more information from customer and not seller and they also told me that since i have no proof from delivery partners that there were package missing from there side or there were XXXX package under XXXX tracking number they can not prove this transaction invalid and they have to charge me and they are not responsible for giving me refund or even hold that charge against the seller who is not responding to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: OPTUM BANK, INC.
State: FL

Complaint narrative:
On XX/XX/year> I submitted an HSA transfer request to change custody of my health savings account from Optum Bank to XXXX XXXX. It has been more than 2 months and I have attempted to chat and call Optum Bank multiple times with no resolution. I have also call the new custodian, XXXX XXXX who has indicated the request was submitted and they are waiting on Optium Bank. Since I was required to liquidate my account before the transfer, I have been incurring financial losses as result of my fund not being invested and Optum Bank continuing to charge me account maintenance fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Its with all my Synchrony Bank products. 
Example : XXXX XXXX was reduced from XXXX to XXXX in XX/XX/year> and again in XX/XX/year> to XXXX. This has raised my utilization from from 10-20 % to 100 and entire balances are due making my credit suffer with high credit balances on all the credit cards I have with Synchrony Bank . This was done with Sams Club, XXXX XXXX, XXXX, Care Credit, all were given high limits then significantly reduced to smaller credit limits. Therefore, making ALL interest disproportionately high and never paying down principal owed.

This is unfair practice and abuse that I will never be able to restore these accounts to met their demands with extremely high balances and utilization above 90 %.

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 2025-11-10 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: CA

Complaint narrative:
I am submitting this statement to dispute the following accounts, inquiries, and late payments due to inaccuracies and/or incomplete reporting. Please investigate these items and correct any discrepancies that XXXX exist. 
Charged-Off 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 XXXXXX/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
Consumer complaint received 2025-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: SYNCHRONY FINANCIAL

Complaint narrative:
My name is XXXX XXXX, and my XXXX account ( registered under [ XXXX ] ) has recently been permanently limited without a clear explanation. A balance of {$1400.00} USD is currently being withheld, with notice that it will be held for 180 days.

I am a legitimate freelancer/businessperson, and the funds in question represent completed client payments for services delivered. I have not engaged in any fraudulent or prohibited activity. Holding these funds for 180 days without due justification is causing me significant financial hardship.

I respectfully request : 1. The immediate release of my available balance ( {$1400.00} USD ) to my linked bank account.

2. A clear written explanation for why my account was permanently limited.

3. If reinstatement is not possible, I request account closure with full balance release.

I have also filed a formal complaint with the XXXX XXXX XXXX ( XXXX  ) regarding this matter, as I believe regulatory or consumer advocacy involvement is necessary to ensure fair treatment. 

I trust that XXXX, as a regulated financial services provider, will resolve this matter promptly and professionally. 

Thank you for your attention. I look forward to your response. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: PA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-11-10 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: OH

Complaint narrative:
I am filing this complaint because several accounts and items are being reported inaccurately by the credit bureaus. I am asking that each bureau conduct a reinvestigation under the Fair Credit Reporting Act ( FCRA ) 611 and ensure that all reported information is complete and accurate. I have tried to resolve these issues directly with the bureaus, but the information continues to appear incorrectly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Reported Date : XX/XX/XXXX Balance : {$1900.00} * * Bankruptcy Case/File # : XXXX Reported Date : XX/XX/XXXX The XXXX  account appears to be inaccurately reported as charged off. I have not received proof that this debt is valid or still owed. 
In addition, the bankruptcy entry appears to be misreported or outdated ; please confirm the public records accuracy and remove it if unverifiable. 

XXXX. XXXX XXXX Dated XX/XX/XXXX This inquiry was not authorized by me. I request verification that a permissible purpose existed under FCRA XXXX. If such authorization can not be demonstrated, please remove this inquiry. 

XXXX. Late Payments XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief