vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-13 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: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectify these issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: TN

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have some unfortunate news. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within fourbusinessdays.

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 2025-08-13 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:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
A collection account from CCS XXXX ( Credit Collection Services ) was placed on my credit reports for an alleged XXXX XXXX debt. I never signed a contract or provided any written authorization for this account. The alleged account may have been opened online, by phone, or in person, but CCS has not produced any legally compliant proof that I personally opened it. 
Under the E-Sign Act ( 15 U.S.C. 70017031 ), if the account was opened electronically, CCS must provide consent records such as IP address logs, timestamped agreement, or recorded voice authorization. If it was opened in person, they must provide the original signed application or agreement. They have provided neither. 
CCS reported this debt to XXXX, XXXX, and XXXX  without validating it with me first, violating the Fair Credit Reporting Act ( FCRA ) 623 and the Fair Debt Collection Practices Act ( FDCPA ) 1692g ( b ). They have also failed to mark the account as disputed, in violation of FDCPA 1692e ( 8 ). 
This tradeline is inaccurate, unverified, and is damaging my credit. I am requesting CFPB intervention to have CCS remove the account from all credit bureaus and cease all collection activity unless full, documented validation is provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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 filing this complaint against Experian and named third-party data furnishers ( XXXX, etc. ) for engaging in what I believe to be dispute process abuse and unequal resolution handling. 

I submitted multiple disputes through Experian. XXXX dispute ( XXXX XXXX ) was resolved and deleted within XXXX minutes after my second dispute round proving they had the capability to act swiftly and that the item was invalid all along. 

However, in contrast, other disputes I filed weeks ago with equally invalid data and no original creditor contracts, chain of custody, or wet-ink signatures provided were either ignored, falsely verified, or closed with no correction. 

I believe this inconsistency shows XXXX or more of the following : Experian is selectively enforcing dispute reviews. 
They are failing to investigate in good faith under FCRA 611. 
The furnishers are reporting unverifiable data in violation of FCRA and FDCPA requirements. 

I also believe my repeated, clear, and legally worded disputes triggered internal escalation or compliance intervention which proves the original verifications were false. 

This pattern of conduct constitutes : Dispute process abuse XXXX faith verifications Willful neglect of consumer rights under FCRA 611 and 623

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 2025-08-13 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: TN

Complaint narrative:
I had opened an account on tinder in XX/XX/ 2025 with my cash app card. Sometimes subscriptions are hard and lengthy to cancel so I use my cash app so if I don't like them I can just not pay And my account will be closed that way. XX/XX/XXXX tinder tried to charge me {$43.00} and it was cancelled because my card was locked and cash app account had no money in it. Well a few hours later they tried again and they took it out of my linked bank account without permission. This highly upset me. I talked to cash app and filed a complaint. I received an email saying that the dispute had went in my favor and money had been added to my account. But there was no money added no deposit. So I asked again and cash app said it could take days to get my money back. {$43.00} isn't much to cash app but it is to me and they haven't refunded me after admitting they were wrong and said they refund me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-08-12 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: TX

Complaint narrative:
I hereby dispute the accuracy of the accounts listed, as they are not mine and may indicate fraudulent use of my personal information. I request that they be thoroughly investigated and removed from my credit report. Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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:
recently i did investigation on my credit report and found items there to be inaccurate under 15 us code 168 accuracy of report whenever consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accurasy of the information concerning the individual about whom the report relates

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 2025-08-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX Credit Card thru https : //www.synchrony.com/accounts/ is charging 31.99 % for purchases. This is consumer abuse. See attached bill for interest rate charges.

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 2025-08-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I bought a XXXX  XXXX XXXX at the end of the lease, approximately XXXX  or XXXX. I never recieved the title or any communication acknowledging the sale. This XXXX, the vehicle was totaled in a hit and run, I was advised by my insurance that the vehicle title is still in Hyundai 's name and they could not issue payment to me. I began calling Hyundai Motor Finance support line to get the issue resolved. They acknowledged the vehicle purchase and agreed to send a lien release, but failed to do so for over two months due to an error on their end in updating my mailing address. In early XXXX, I finally recieved the attached lien release letter. 
Upon submitting that to the CA DMV, I was informed that the letter was insufficient to transfer title and advised that I would require a form XXXX XXXX filled out and signed by the lessor. I once again contacted the support line where I was initially told that they were unable to do so. Eventually I was told to email the forms to XXXX and they would be sent to me, which I did on XX/XX/XXXX. I heard nothing and followed up on XX/XX/XXXX, asking for some acknowlegement of reciept and update. I have still heard nothing from the company and further calls to the support line have not offered any solutions and merely assertions that they are only capable of sending the lien release letter.

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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I, XXXX XXXX XXXX, am requesting Barclays Bank Delaware grant a Goodwill account deletion for the account beginning with XXXX from all Consumer Reporting Agency Consumer/Credit 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
Consumer complaint received 2025-08-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Chime Financial Inc
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, LA XXXX XX/XX/year> Chime Financial Inc/ Collections Department XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX Re : Immediate Cease and Desist & Demand for Debt Validation Account # XXXX To Whom It May Concern, This letter serves as my formal and final demand for Chime Financial Inc to immediately cease all communication and collection efforts regarding the alleged debt referenced above, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ) and 1692g. 

Furthermore, I demand that you provide full and verifiable validation of this debt within 15 calendar days from the date of receipt of this letter. Failure to comply will leave me no choice but to take swift action, including but not limited to : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Louisiana Attorney Generals Office.

Initiating all appropriate legal proceedings to protect my rights. 

To satisfy this validation requirement, you must provide : 1. The original creditors full name and contact information.

2. An itemized statement of the alleged debt, including principal, interest, fees, and charges.

3. A copy of the original signed contract or agreement creating the debt obligation.

4. A complete payment history showing how the current balance was calculated.

5. Proof of your authorization to collect this debt in Louisiana. 

Until you provide the requested validation, all collection activities must cease immediately except to inform me of the cessation of collection efforts or to notify me of legal actions. 

Please consider this letter a final warning. Any continued violations of my rights will be met with immediate legal remedies. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and 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 reported to be removed/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 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 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!

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act Accounts XXXX XXXX has violated my rights. This company is reporting inaccurate information on my credit report. This company is violating my rights putting this on my credit. > 15 U.S.C 1681 section 602 A. States I have the right to privacy. > 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, provide the names and business addresses of each individual with whom you verified the account and follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2025-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
This creditor has charged off this debt for tax purposes and has not sent me a copy of the 1099c filed for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC
State: IN

Complaint narrative:
I have applied for a loan modification on numerous occasions. You have advised that the Standard Modification is denied because you not achieve a sufficient payment reduction unable to offer a modification because in performing underwriting of a potential modification, we could not reduce your principal and interest payment. However, there are no specific terms listed or a detailed math explanation. No documents have been issued regarding the loan modification denial. Per CFPB law, all loan modification denials must contain clear and concise terms. Deceptive terms, missing clauses and contract ambiguity violate CFPB law as well. Furthermore, there is a standard right to appeal the loan modification denial per CFPB law. Lack of a formal loan modification denial, preventing appeal applies per ( 12 C.F.R. 1024.41 ( d ) ).

Improper service of pre-suit mediation notice ( XXXX XXXX ) applies here as well. Since this notice was never issued via USPS certified mail, which is required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
My rewards of XXXX worth XXXX was redeems to an XXXX XXXX XXXX and i was not aware of it. I called the chase bank and they directed me to the fraud department. I've yet to call the fraud departed to investigate the issue, but since it was done on XX/XX/XXXX, i have no hope if they would be able to give my rewards back. I didn't get any notification on my phone or 2 factor authentication.

Company response to consumer: Closed with non-monetary relief