vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
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 any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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 an 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 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 explanation
Consumer complaint received 2026-02-09 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: FL

Complaint narrative:
I am disputing multiple hard inquiries that appear on my credit report that I did not initiate or authorize. Before filing this complaint, I directly contacted the creditors associated with these inquiries. Each creditor confirmed they can not locate any application, account, or documentation showing that I requested credit, and they can not provide any written or verbal authorization from me. Because there is no valid basis for these hard inquiries, they must be treated as unauthorized and removed. Disputed unauthorized hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : According to Section 604, unauthorized inquiries do not meet the permissible purpose requirements. Handling Unverifiable Information : Under Section 611, inquiries that can not be verified must be deleted. Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. Information Provider Responsibility : Section 623 requires reported data to be accurate and authorized. Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries that may be related to identity theft. Additional Legal Support : The cases XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must comply with the FCRAs permissible purposes.

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 2026-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The account reflected on my credit file is inaccurate and not associated with my financial history.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
Hello, I was alerted by XXXX  that I had a collections agency coming after me for the amount of {$7700.00} from the XXXX XXXX XXXX XXXX. 

Not only do I not have any debt. but when I called they did not have my proper first name and last name rather they had the name of XXXX, which is the same name of someone who tried to use my social last XX/XX/year> but XXXX  helped me remove it from my account they attempted to open a credit card at XXXX XXXX and get a lease for an apartment in XXXX. 

I am certain this is fraud as I know my social was being used XX/XX/year> and I have not lived at an apartment for almost 5 years now. Please please help me, thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
I have a Relationship Saving account with HSBC bank, which offers a relationship interest rate when specific qualifications are met. 
One of those qualifications is to spend {$500.00} or more within a month on HSBC debit card. In the morning of XX/XX/year>, I made a purchase of {$10.00}, and this amount exceeded the {$500.00} spending requirement set by the bank. 
HSBC is denying me the relationship rate for the month of XXXX, claiming that although the purchase was made in XXXX, the actual posting occurred in XXXX ( next business day ). 
As a customer, I met the requirement by spending more than {$500.00} within the month. I do not and should not control banks process. This is unfair treatment and I request that the bank reconsider its decision, and approve me for the relationship rate for the month of XXXX. 

I request the bank to settle this matter quickly and in my favor. Ive met the requirements, no more, no less.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Between XXXX and XX/XX/year>, Verizon-originated charges tied to my mobile account ( XXXX ) were submitted to my Synchrony-issued Verizon Visa account ending XXXX in a delayed and inconsistent manner, even after balances were paid in full. 
During the XX/XX/year> billing cycle, a prior balance of {$2200.00} was fully paid via automatic payment. New charges totaling {$630.00} appeared, including Verizon XXXX charges reflected in the highlighted transaction detail. 
During the XX/XX/year> billing cycle, multiple payments totaling approximately {$2600.00} were made. Despite these payments, a remaining balance of {$660.00} persisted, and interest charges of {$29.00} were assessed. Highlighted line items show Verizon XXXX charges appearing after payment activity, suggesting delayed or out-of-cycle submission. 
During the XX/XX/year> billing cycle, the remaining balance of {$660.00} was again paid in full via automatic payment. New Verizon-related charges totaling approximately {$2200.00} were then posted, continuing the pattern of charges appearing after balances were cleared. 
The timing and repetition of Verizon XXXX charges, as highlighted on the attached statements, make reconciliation unreasonable for a consumer and directly caused downstream interest and inflated balances. 
I have submitted a written billing dispute to Synchrony under the Fair Credit Billing Act ( FCBA ) and requested an audit from Verizon. I am requesting executive-level review, correction of billing errors, reversal of improper interest, and written confirmation of resolution.

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 2026-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: FORD MOTOR CREDIT CO.
State: NM

Complaint narrative:
I am filing this complaint regarding an auto loan that was approved using materially inaccurate financial information submitted by the dealership. 

During the purchase of a XXXXXXXX Ford XXXX from XXXX XXXX XXXX in XXXX XXXX, New Mexico, the dealership completed and submitted my credit application electronically through its finance system. After reviewing my loan documents, I discovered that my income was overstated well above my actual W-2 income and my monthly rent was listed far below my true housing expense. 

I did not provide or authorize false income or housing information, and I was not asked to provide proof of income. I was not shown the inaccurate figures before signing. The loan included over {$20000.00} in negative equity, making accurate financial information essential to underwriting approval. 

The loan appears to have been approved based on these misrepresentations. The dealership controlled the application process, and Ford Motor Credit relied on dealer-submitted information without verification. 

Because the approval depended on inaccurate income and housing data, this loan was originated through deceptive practices. I am disputing the validity of the loan and requesting compliance review under applicable consumer protection laws and the FTC Holder Rule.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 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: MI

Complaint narrative:
THIS ACCOUNT DOES NOT BELONG TO ME AND HAS BEEN REPORTED IN ERROR. I HAVE NEVER OWNED, OPENED, OR AUTHORIZED THIS ACCOUNT, AND I HAVE NO AFFILIATION WITH IT WHATSOEVER. THE PRESENCE OF THIS ACCOUNT ON MY CREDIT REPORT IS INACCURATE AND MISLEADING AND DOES NOT REFLECT MY TRUE CREDIT HISTORY. I AM FORMALLY DISPUTING THIS ITEM AND REQUEST A FULL INVESTIGATION AND PROPER VERIFICATION. IF THIS ACCOUNT CAN NOT BE VALIDATED AS MINE WITH LEGITIMATE AND COMPLETE DOCUMENTATION, IT MUST BE IMMEDIATELY REMOVED 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 2026-02-09 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: MI

Complaint narrative:
THIS ACCOUNT DOES NOT BELONG TO ME AND HAS BEEN REPORTED IN ERROR. I HAVE NEVER OWNED, OPENED, OR AUTHORIZED THIS ACCOUNT, AND I HAVE NO AFFILIATION WITH IT WHATSOEVER. THE PRESENCE OF THIS ACCOUNT ON MY CREDIT REPORT IS INACCURATE AND MISLEADING AND DOES NOT REFLECT MY TRUE CREDIT HISTORY. I AM FORMALLY DISPUTING THIS ITEM AND REQUEST A FULL INVESTIGATION AND PROPER VERIFICATION. IF THIS ACCOUNT CAN NOT BE VALIDATED AS MINE WITH LEGITIMATE AND COMPLETE DOCUMENTATION, IT MUST BE IMMEDIATELY REMOVED FROM MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 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: SC

Complaint narrative:
On or about late XXXX, I opened a CareCredit account through Synchrony Bank for the sole purpose of paying for my dogs XXXX XXXX, which occurred in XX/XX/XXXX. After the surgeries, I paid the account balance and did not use the card again. 

On XX/XX/XXXX, I received a text message from Synchrony Bank alerting me to multiple charges on the account occurring between XX/XX/XXXX and XX/XX/XXXX totaling approximately {$7900.00}. I did not make these purchases and did not authorize anyone else to use the account. Here are the purchases. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  {$2800.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$750.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  {$2400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$990.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  {$900.00} I immediately contacted Synchrony Bank to report the charges as fraudulent, and a fraud investigation was opened. 

In XX/XX/XXXX, Synchrony Bank concluded their investigation and determined that the charges were valid. I did not receive or understand the outcome of this investigation until XX/XX/XXXX, when an ACH hold was placed on my checking account by Synchrony Bank. 

On XX/XX/XXXX, I contacted Synchrony Bank and requested that the investigation be reopened and that they provide written documentation supporting their determination. During this call, a fraud representative identified as XXXX stated they had proof from one merchant but not from all merchants involved in the disputed transactions. 

I maintain that I did not make any of the disputed purchases and that my only use of this account was to pay for my dogs XXXX  in XX/XX/XXXX. The account transaction history reflects this limited use prior to the disputed 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 2026-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XX/XX/year> I tried to charge an airline flight on my United Chase XXXX XXXX Credit card in the amount of {$830.00}. 

i was told that this charge wouldn't go through and I would need to call my card issuer. I called the card issuer and the first level of customer service told me that they couldn't help me it would be need to be handled by a specialist. They transferred me to a specialist and the specialist told me that they have no information about this situation and that I should have received a letter. I have not received a letter to date regarding this matter. 

I paid a fee {$690.00} for this card and have not received any information about how this fee will be handled but now it is messing with my ability to travel for work. 

I have paid on card on time ever since I got the card. 

I would like this to be formally reviewed and I would like an actually stated reason for why my card was cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.

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 2026-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rozlin Financial Group, Inc.
State: SC

Complaint narrative:
ROZLINFINGRP is falsely reporting on my credit. I have never had any accounts with them. Per my research ROZLINFINGRP 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 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 2026-02-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear JPMCB HOME, I am writing to respectfully request a goodwill adjustment regarding my JPMCB HOME account ( Account No. XXXX ), opened on XX/XX/XXXX. Specifically, I am asking for the removal of the 30-day late payment reported for XX/XX/XXXX. 
Since opening this account, I have consistently taken my financial obligations seriously and maintained an otherwise strong payment history. The XX/XX/XXXX late payment was an isolated and uncharacteristic occurrence that does not reflect my usual commitment to timely payments. Unfortunately, it resulted from a temporary and unforeseen circumstance, which has since been fully resolved. The account is currently in good standing, and I have taken additional steps to ensure this situation does not happen again. 
I value my relationship with JPMCB HOME and appreciate the trust you have placed in me as a customer. My intention has always beenand continues to beto manage this account responsibly and honor my commitments. Given my overall history and the fact that this was a one-time event, I am kindly requesting your consideration in making a goodwill exception to remove this single late mark from my credit reports. 
I understand that accurate reporting is important, and I truly appreciate your time and consideration of this request. A goodwill adjustment would make a meaningful difference, and I would be extremely grateful for your assistance. 
Thank you for your understanding and for the continued service JPMCB HOME provides.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: SC

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM 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 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 2026-02-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Larry H. Miller Group of Companies
State: MD

Complaint narrative:
Timeline & Key Facts : XX/XX/XXXX : I submitted a hardship request due to severe financial hardship, including documented circumstances affecting my ability to make payments. 
XX/XX/XXXX XX/XX/XXXX : I have repeatedly requested written confirmation of the hardship review, including the outcome, the department/person responsible for reviewing it, and reasoning for any denial. 
Despite my requests, Prestige has : Sent vague, unsigned denials stating That is not an option at this time Continued sending collections-style emails demanding payment Requested card information without finalizing or clarifying the hardship review Attempts to resolve : I sent multiple emails requesting the hardship review status and formal documentation of any denial. These were ignored or answered only with vague, unsigned responses. 
Impact : These repeated communications and lack of clarity are causing significant stress. I have followed all procedures and requested written responses, but the company has failed to provide proper documentation or guidance regarding my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 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 XXXX  is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. 

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature.

The complete payment history and itemized breakdown showing how the alleged balance was calculated.

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

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