vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 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: NV

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-09-02 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: WI

Complaint narrative:
I had a XXXX credit card and it was paid and a XXXX balance. ( Syncrony card ). I used to have XXXXerizon as my phone carrier but it became so bad I had to switch. Verizon tried to take out money from my credit union and they rejected it as fraud. I h waad never paid through them and unfamiliar, they flagged it. THUS, my Verizon credit card with Syncromy was charged as a purchase while I had my card frozen. ( I do freeze my cards when not in use for fraud reasons ). I have had to make XXXX payments to keep my credit rating, but still this balance keeps going up. How can they " make a purchase '' and put on a frozen account?? I think this is fraudulent and do not owe it. 
NOW, I find out I am being charged {$41.00} for a fee also. I have been on site/chat with both companies to no avail. XXXX says it is in their investigation but I am still being charged interest, etc.

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 2025-09-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
We visited the Kia dealership on XX/XX/scrub>/2025 to inquire about purchasing a XXXX, and they consented to our request, subsequently directing us to the financing department. There, they requested my information, assuming it was for the purchase order. However, the representative returned with an approved loan, which was unexpected since we had only requested a purchase order. Nevertheless, we chose to proceed as we remained interested in the vehicle. We agreed to a {$500.00} oil change service for two years, without any extended warranty or additional fees, and completed the necessary paperwork. Since our initial visit was solely for a purchase order, we did not have the {$4000.00} down payment readily available, which we had set aside in our bank, preventing us from finalizing the sale. Therefore, we returned on XX/XX/scrub>/2025 with the down payment to complete the paperwork that we had prepared in advance. The representative instructed us to sign, and we assumed that all terms remained unchanged, allowing us XXXX XXXX off in our new car. However, upon reviewing the final figures at home, we discovered that the {$500.00} oil change service had been listed under XXXX for {$900.00}, and an extended warranty for {$2600.00} had been added, which had not been disclosed to us, nor were we informed about its coverage. We returned on XX/XX/year>2025 to address our concerns regarding the warranties we had not agreed to, and the only resolution offered was to cancel them without a full refund. We accepted this, yet we never received any cancellation notice or confirmation that the amount would revert to the principal. We revisited in XXXX, but the only information provided was to wait for two months. Now, as we approach three months, we still have not received any updates regarding 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 explanation
Consumer complaint received 2025-09-02 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: TX

Complaint narrative:
I am writing to dispute the late payment reflected on my account. My records confirm that all payments were submitted on time. The reporting is inaccurate and unjustly damaging.

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 2025-09-02 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: TX

Complaint narrative:
Experian TransUnion and Equifax has failed to meet its obligation I need the CFPB to form a reasonable reinvestigation of disputed information on my credit report leaving inaccurate and unverifiable accounts unresolved they consumer financial protection bureau has recently filed a lawsuit against Experian alleging, systematic issues, such as failing to provide consumer provided evidence to furnish his excepting unreliable responses if feeling to adequately notify consumers of dispute outcomes these failures align with my experience we experience has neither corrected nor removed disputed items, despite the evidence I provided causing ongoing harm to my credit standing I am requesting immediate corrective action to remove or amend the disputed accounts as experience in action, violates federal law in my rights 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 non-monetary relief
Consumer complaint received 2025-09-02 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: TX

Complaint narrative:
Experian TransUnion and Equifax has failed to meet its obligation I need the CFPB to form a reasonable reinvestigation of disputed information on my credit report leaving inaccurate and unverifiable accounts unresolved they consumer financial protection bureau has recently filed a lawsuit against Experian alleging, systematic issues, such as failing to provide consumer provided evidence to furnish his excepting unreliable responses if feeling to adequately notify consumers of dispute outcomes these failures align with my experience we experience has neither corrected nor removed disputed items, despite the evidence I provided causing ongoing harm to my credit standing I am requesting immediate corrective action to remove or amend the disputed accounts as experience in action, violates federal law in my rights as a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: NH

Complaint narrative:
I request removal of this closed account and all hard inquiries that i had no knowledge of here are the inquiries XXXX XXXXXXXX XXXX2025, XXXX XXXX XXXX XXXX XXXX XXXX2025. as it serves no legitimate business purpose and negatively impacts my credit utilization calculations under FCRA Section 605 ( a ) and FCRA Section 623. please remover all misleading and incorrect information and fraudulent inquiries from my credit report. Thank you!

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 2025-09-02 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:
CFPB Follow-Up Statement Case # XXXX I am disputing the continued reporting of Bankruptcy Case No. XXXX by XXXX. 
XXXX claims the record was verified through XXXX, but XXXXv shows no attorney of record in this case. My XXXX file falsely lists attorney representation that does not exist in the official bankruptcy record. This is a material inaccuracy. 
Under the Fair Credit Reporting Act ( FCRA 1681e ( b ) & 1681i ) and Metro 2 reporting standards, XXXX must ensure accuracy of all fields. Adding or modifying data beyond what XXXX  reports ( such as an attorney that does not exist ) is inaccurate, misleading, and unlawful. 
I am demanding : Immediate deletion of Bankruptcy XXXX XXXX. XXXX from my XXXX file ; or Proof from XXXX showing the attorney of record ( which does not exist ). 
If XXXX refuses to delete or correct this false record, I intend to pursue legal remedies, including filing a lawsuit for statutory and actual damages under FCRA 1681n and 1681o. 
Requested Relief : Remove the bankruptcy record from my XXXX file. 
Confirm deletion in writing. 
Notify any recipients of my file within the last 6 months of the correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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:
CFPB Follow-Up Statement Case # XXXX I am disputing the continued reporting of Bankruptcy Case No. XXXX by XXXX. 
XXXX claims the record was verified through XXXX, but XXXX shows no attorney of record in this case. My XXXX file falsely lists attorney representation that does not exist in the official bankruptcy record. This is a material inaccuracy. 
Under the Fair Credit Reporting Act ( FCRA 1681e ( b ) & 1681i ) and Metro 2 reporting standards, XXXX must ensure accuracy of all fields. Adding or modifying data beyond what XXXX  reports ( such as an attorney that does not exist ) is inaccurate, misleading, and unlawful. 
I am demanding : Immediate deletion of Bankruptcy XXXX XXXX. XXXX from my XXXX file ; or Proof from XXXX showing the attorney of record ( which does not exist ). 
If XXXX refuses to delete or correct this false record, I intend to pursue legal remedies, including filing a lawsuit for statutory and actual damages under FCRA 1681n and 1681o. 
Requested Relief : Remove the bankruptcy record from my XXXX file. 
Confirm deletion in writing. 
Notify any recipients of my file within the last 6 months of the correction.

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 2025-09-02 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I was unable to use a Chase credit card at a store, with " XXXX XXXX  '' shown on cash register. I called Chase on returning home and was told that due to my having missed a single payment on two of the four cards I have with Chase, my credit limit on both was decreased drastically. I was given no written warning through the mail, which is how I receive my statements. I would have never suspected that I should be regularly checking my account online for such important notices. I still have not received notice through the mail. 

I had the XXXX  at the due dates for these accounts, and I was late on two payments, but not for weeks or anything like that. In addition, in the YEARS of having these accounts, I have never been late before, not even once. It's ridiculous that two late payments would cause Chase to take this kind of drastic action, after my years of loyalty and positive behavior. Disgraceful behavior on the part of this company!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-02 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: WI

Complaint narrative:
Complaint Paragraph for CFPB Submission : I am filing a complaint against XXXX XXXX XXXX regarding an alleged repossession debt in the amount of {$11000.00}. This account has been reported to the credit bureaus without proper validation or documentation. Despite my disputes, XXXX has failed to provide a signed contract, itemized accounting, proof of ownership or assignment, or verification that they are licensed to collect in my state. This is a violation of 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 ), as the debt is being reported and collected without validation. I am requesting that this tradeline be deleted from all credit reports immediately and that XXXX cease all collection activity until they can provide full legal validation.

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 2025-09-02 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: WI

Complaint narrative:
Complaint Paragraph for CFPB Submission : I am filing a complaint against XXXX XXXX XXXX regarding an alleged repossession debt in the amount of {$11000.00}. This account has been reported to the credit bureaus without proper validation or documentation. Despite my disputes, XXXX has failed to provide a signed contract, itemized accounting, proof of ownership or assignment, or verification that they are licensed to collect in my state. This is a violation of 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 ), as the debt is being reported and collected without validation. I am requesting that this tradeline be deleted from all credit reports immediately and that XXXX cease all collection activity until they can provide full legal validation.

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 2025-09-02 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:
It has come to my attention that my personal information has been exposed in a national data breach. Reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have asked the CRAs for validation of debt, however, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. Please find attached a copy of my ID, the FTC complaint, a copy of a data breach report showing my information being exposed in a national data breach and a validation of a debt letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XXXX of XXXX  I negotiated a pay to delete on my repossession balance. It now shows settled for less but was not removed as promised.

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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In XXXX of XXXX  I negotiated a pay to delete on my repossession balance. It now shows settled for less but was not removed as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-09-02 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
My legal name and address does not match the department stores cards that have been opened up and closed under my name. I would like to have that removed from my credit immediately as is affecting my life as Im keep getting declined trying to get a XXXX XXXX for my business. Ive never had permission gave permission to any of these companies to report my credit at my announcement and please cease to remove off my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Michigan XXXX Telephone : ( XXXX ) XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Subject : Complaint Against Experian, Equifax, and TransUnion Failure to Resolve Disputes and Ongoing FCRA Violations I am filing this complaint against the three major credit bureaus, Experian, Equifax, and TransUnion, for their repeated failure to properly address disputes I submitted regarding inaccurate and unverifiable information in my credit reports.

Despite multiple dispute submissions, the bureaus responded with generic verified statements rather than conducting a lawful reinvestigation and providing the required method of verification under 15 U.S.C. 1681i ( a ) ( 7 ). This constitutes a violation of both 15 U.S.C. 1681i ( a ) and 1681e ( b ), which require them to use reasonable procedures to ensure maximum possible accuracy. 

Disputed Accounts and Items Still Unresolved : Unauthorized Inquiry XXXX, XX/XX/XXXX Charge Off XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Charge Off XXXX XXXXXXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Charge Off XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Incorrect Personal Information Employers : XXXXXXXX XXXX Incorrect Personal Information Employers : XXXX Charge Off XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Collection XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Failures by the Bureaus : The credit bureaus have failed to : Provide the method and process used to verify these disputed accounts.

Identify the furnisher ( s ), including full name, title, and contact details.

Supply documentation relied upon to confirm the accuracy of these items.

Company response to consumer: Closed with non-monetary relief