vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX I submitted a written dispute with supporting documentation, including my FTC Identity Theft Report, to [ Equifax/XXXX XXXX  XXXX XX/XX/year>. The credit bureau failed to properly investigate or remove inaccurate and identity-theft-related information within the time required under the Fair Credit Reporting Act ( FCRA ). This is my second-round dispute submitted through the CFPB portal because multiple accounts, collections, and hard inquiries that do not belong to me remain on my report. I am requesting confirmation of a full reinvestigation and deletion of all unverifiable or obsolete information as required under FCRA 609, 611, 1681i, 1681c-2, and, 1681c ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
Between October XXXX 2025, a series of unauthorized transactions were charged to my PayPal Credit account. While XXXX refunded {$6.00}, {$5.00}, and {$1.00} after a second review of XXXX ID XXXX XXXX XXXX remaining charges totaling {$290.00} have not been reversed. These include : {$140.00} XXXX XXXX ( XX/XX/XXXX ) {$10.00} XXXX XXXX ( XX/XX/XXXX ) {$55.00} XXXX XXXX ( XX/XX/XXXX ) {$53.00} XXXX ( XX/XX/XXXX ) {$25.00} XXXX Purchase {$100.00} XXXX Purchase {$11.00} Recharge.com ( XX/XX/XXXX ) I did not authorize these transactions, recognize the merchants, or approve the charges. They occurred during the same breach window as the previously refunded amounts. I requested a full audit of my account activity, documentation verifying these charges as authorized, and confirmation of fraud protectionsbut XXXX has not provided this information. 
I am seeking reversal of the remaining {$290.00} in unauthorized charges, a formal review of all activity between XX/XX/year>, and documentation of how these transactions were verified. I have updated my CFPB complaint ( ID : XXXX ) and am maintaining a breach recovery log for legal and family reference.

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 monetary relief
Consumer complaint received 2025-10-25 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:
THIS ACCOUNT WAS OPENED WITHOUT MY CONSENT OR AUTHORIZATION

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 2025-10-25 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX [ Debt Collection Department Address if available, insert here ] Re : Formal Debt Dispute and Validation Request Account Reported : XXXX XXXX XXXX Balance {$640.00} Opened : XX/XX/XXXX | Reported : XX/XX/XXXX To Whom It May Concern : This letter serves as a formal dispute of the alleged debt you have reported in my name. Pursuant to 15 U.S.C. 1666 ( b ) and 12 C.F.R. 1006.34 ( c ), I am requesting full validation and verification of the alleged obligation before any further collection activity continues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX [ Debt Collection Department Address if available, insert here ] Re : Formal Debt Dispute and Validation Request Account Reported : XXXX XXXX XXXX Balance {$640.00} Opened : XX/XX/XXXX | Reported : XX/XX/XXXX To Whom It May Concern : This letter serves as a formal dispute of the alleged debt you have reported in my name. Pursuant to 15 U.S.C. 1666 ( b ) and 12 C.F.R. 1006.34 ( c ), I am requesting full validation and verification of the alleged obligation before any further collection activity continues.

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 2025-10-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: American Credit Acceptance, LLC
State: NY

Complaint narrative:
My vehicles was repossessed in XX/XX/XXXX. I was able to pay {$10000.00} to reinstate the loan and the vehicle was released. After reinstatement they never resumed sending statements. Due to medical condition ( XXXX ) XXXX XXXX XXXX I have assistance in paying my bills not limited to reminders or what is owed. Neither me or anyone in my family received any notices in the mail about payments due. I received no phone calls regarding payments that were due. My car was taken again on XX/XX/XXXX without any prior notice.. The loan was never officially reinstated as promised. The last statement I received was in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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: OH

Complaint narrative:
XXXX I submitted a written dispute with supporting documentation, including my FTC Identity Theft Report, to [ XXXXTransUnion XXXX XXXX XX/XX/year>. The credit bureau failed to properly investigate or remove inaccurate and identity-theft-related information within the time required under the Fair Credit Reporting Act ( FCRA ). This is my second-round dispute submitted through the CFPB portal because multiple accounts, collections, and hard inquiries that do not belong to me remain on my report. I am requesting confirmation of a full reinvestigation and deletion of all unverifiable or obsolete information as required under FCRA 609, 611, 1681i, 1681c-2, and 1681c ( a ).

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 2025-10-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
They wouldnt help can help me I had a credit card with very high interest rates and a car loans with {$10.00} interest rates per day called the company and said wouldnt help refinance refuse to help what Im struggling financially repossessed the guy XXXX times because I couldnt pay for the payment they refused to work with you when youre struggling, and the interest rate is ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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: MI

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : 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 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 seven 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 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: FL

Complaint narrative:
TransUnion verified a disputed collection account but refused to provide the legally required Method of Verification under FCRA 611 ( a ) ( 7 ). I only received a one-line email stating verified without any documents or explanation.

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 2025-10-25 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: FL

Complaint narrative:
Dear Experian I have recently received your response indicating that late payment for account listed below were " verified as accurate. However, pursuant to my rights under the Fair Credit Reporting Act, Section 611 ( 15 U.S.C. 1681i ), I am requesting the Method of Verification ( XXXX ) you used to determine the accuracy of this since this account was paid on time on this date. 
XXXX XXXX Account number XXXX XXXX XXXX on XX/XX/year> Please provide the following : The name, address and telephone number of the entity or person you contacted during the verification process. 

A detailed description of the procedure your office used in conducting this investigation. 

The documents, records or information that were relied upon to verify the accuracy of the disputed late payment for this account. 

As stated in FCRA 611 ( a ) ( 7 ), I have the legal right to this information. I request that you provide it to me within the statutory timeframe of 15 days. 

If you are unable to provide this information, this late payment must be deleted from my credit file immediately as unverified and inaccurate. 

Please send your response to the address listed above. 

Thank you for your immediate attention to this matter Sincerely, 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 explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: WA

Complaint narrative:
About a year and a half ago my wages was garnished. I do have proof of the garnishment and the amount owed is wrong I feel it was paid off after almost {$400.00} a paycheck was garnished. If you need the proof I can supply the proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SECURITY FINANCE CORP
State: MO

Complaint narrative:
XXXX Bank for willful noncompliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and for ongoing harm resulting from the continued reporting of fraudulent accounts on my credit report. Despite my submission of a Federal Trade Commission ( FTC ) Identity Theft Report, a police report, and a cease-and-desist letter pursuant to 15 U.S.C. 1666b, XXXX  has refused to remove the following fraudulent accounts from my credit file : XXXX Card Account Number XXXX XXXX XXXX XXXX XXXX  Condition : Derogatory Status : Collection / Charge-Off Original Balance : {$14000.00} Last Payment : XX/XX/year> Remarks : Charged off as bad debt | Dispute resolved; reported by grantor. Their willful noncompliance has caused significant and ongoing harm to my credit standing, financial opportunities, and reputation., XXXX  continues to publish and verify these accounts as accurate, falsely labeling my disputes as resolved. Furthermore, under 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information. The response I received from XXXX  fails to meet this standard and demonstrates a reckless disregard for my rights and the statutory obligations imposed on furnishers and consumer reporting agencies. Both XXXX Bank, as furnishers of credit information, are likewise in violation of FCRA 1681s-2 ( b ) for failing to conduct proper investigations and for continuing to report inaccurate and fraudulent data after receiving direct notice of dispute from myself

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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:
THIS ENTRY IS FRAUDULENT AND SHOULD BE REMOVED FROM ALL FILES

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 2025-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: OH

Complaint narrative:
I received an email from Chime stating that my account would be closed on XX/XX/year> with no explanation. I called chime customer fraud support to find out what exactly was going on with my account and I was told that there was no reason but the account will be closed and they also sent me an email stating the same information as we were on the call talking. I even asked if there was anyone in the company that could give me information and I was told no.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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: NJ

Complaint narrative:
I am writing to formally dispute my federal student loans and request a full discharge due to a serious breach of my personal and financial information. My information was compromised without my authorization, which violates multiple federal laws designed to protect student records and personal privacy. Under these circumstances, I request the immediate cancellation and discharge of my student loan debt in full, as my rights have been severely violated. Below are the key reasons for my request ; Violation of the Family Educational Rights and Privacy Act ( XXXX ) ; My student records were disclosed without my consent, violating XXXX 's strict confidentiality protections. 
Breach of the Privacy Act of 1974 ; My personal and financial information was improperly accessed and shared without my authorization which is a violation of the higher education act. As a student loan borrower my information should be protected, but the mishandling of my data demonstrates failure to uphold these legal protections. Breach of contract and negligence ; the entity responsible for safeguarding my data failed to do so and putting my financial securitizes at risk and unauthorized disclosures to third parties.

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 2025-10-25 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: NJ

Complaint narrative:
I am writing to formally dispute my federal student loans and request a full discharge due to a serious breach of my personal and financial information. My information was compromised without my authorization, which violates multiple federal laws designed to protect student records and personal privacy. Under these circumstances, I request the immediate cancellation and discharge of my student loan debt in full, as my rights have been severely violated. Below are the key reasons for my request ; Violation of the Family Educational Rights and Privacy Act ( XXXX ) ; My student records were disclosed without my consent, violating XXXX 's strict confidentiality protections. 
Breach of the Privacy Act of 1974 ; My personal and financial information was improperly accessed and shared without my authorization which is a violation of the higher education act. As a student loan borrower my information should be protected, but the mishandling of my data demonstrates failure to uphold these legal protections. Breach of contract and negligence ; the entity responsible for safeguarding my data failed to do so and putting my financial securitizes at risk and unauthorized disclosures to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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: CA

Complaint narrative:
THE REPORTED LATE PAYMENT IS INCORRECT AND UNJUSTIFIED.

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 2025-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meridian Financial Services, Inc.
State: WI

Complaint narrative:
Meridian Financial Services, representing XXXX XXXX XXXX  ( XXXX  ) received erroneous information from XXXX XXXX about a membership that was canceled. This membership was paid through XXXX credit card company ( previous complaint ) .and has been resolved. The resolution confirmed that we canceled and the debt for the transaction was dropped. It is my understanding that XXXX XXXX ( now defunct ) turned our account over to Meridian Financial Services for the renewal fees of {$260.00} per year plus {$100.00} late fee. We never signed any contract with XXXX and XXXX XXXX XXXX service was cancelled within the the 3 days allowed by XXXX  XXXX. A contract with XXXX  has been requested and not provided ( because there is not one ) Meridian Financial Services has wrecked my credit rating and continues to harass me with weekly calls, frequent emails and occasional letters, XX/XX/XXXX received invoice from XXXX  for {$260.00} ; ignored because at about that time we were resolving our issues with XXXX XXXX. 

XX/XX/XXXX received a statement from Meridian Financial Services showing we owed {$360.00} ( fee + late charge ) ; Received weekly phone calls and emails. 

XX/XX/XXXX called company and a XXXX XXXX would call back. she didn't.... on going calls and emails. 

XX/XX/XXXX sent registered letter to XXXX explaining why we owe them nothing. on0going calls and emails. 

XX/XX/XXXX received a statement saying we owed {$360.00} ; by this time my credit rating score went from XXXX to XXXX based on this amount owing and no other claims against me. 

XX/XX/XXXX called and spoke to XXXX who continued to say we owed this. I asked for proof and she said it was sent. I asked her to resend it. 

XX/XX/XXXX received a letter dated XX/XX/XXXX which had several inaccuracies and wasn't a signed contract per my request. 

XX/XX/XXXX sent XXXX XXXX XXXX, Compliance Officer and letter correcting the inaccuracies and asking her to quit pursuing collections and notifying her I was contacting cfpb.gov

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 2025-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: GA

Complaint narrative:
Cash App account was close bc it was suspected of fraudulent of activity and etc but I didnt do anything to violate anything & they didnt show me why it was closed or give me time to fight it. No dispute or investigation was conducted they jst closed it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
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. 

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  List of Unauthorized Inquiries : XXXX - XX/XX/year> 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 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 seven 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.

Company response to consumer: Closed with non-monetary relief