vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 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: EQUIFAX, INC.
State: DC

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
XXXX XX/XX/XXXX, I needed approximately {$8100.00} in dental work and applied for a dental credit card through XXXX XXXX XXXX They offer varying terms for a XXXX XXXX interest rate and I was signed up for XXXX months. Per their legal document, it states " '' Deferred Interest, Equal Payment or Waived Interest, Equal Payment Purchase amount divided by number of months in promotional period rounded up to nearest {$1.00} ''. As well, my XXXX payment was set by the company for XX/XX/XXXX for which I paid over the minimum payment due and continued to do throughout the XXXX XXXX months ( XXXX XXXX - XXXX XXXX ). When I logged in on XX/XX/XXXX to make my final payment and close the account, I had an additional {$3500.00} in interest charges. They claim my payment plan began in XXXX, although they did not begin billing until XXXX, and that the final balance was not paid off within the agreed upon terms. Additionally, on every monthly statement, it says " Your due date is at least XXXX  days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin to charge interest on new purchases made under a Low APR, Equal Payment or Budget Payment Credit Plan from the date of purchase. Since the billing cycle closed on XX/XX/XXXX, I have until at least XX/XX/XXXX to pay off the remaining balance which I did on XX/XX/XXXX with a payment of {$700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: CO

Complaint narrative:
In regards to complaint XXXX XXXX that I filed earlier today against Experian, these documents wouldn't load but I am sending them now for complaint 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 2025-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-09 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX Subject : Urgent Request for Immediate Deletion of Inaccurate Account FCRA Violation Consumer Name : XXXX XXXX XXXX Partial Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Reporting Agencies Involved : Experian and XXXX  Dear CFPB XXXX, I am writing to file a formal complaint against XXXX XXXX  XXXX XXXX XXXX XXXX for reporting inaccurate and harmful information on my credit reports, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I have identified multiple critical errors and discrepancies across the credit reporting agencies that are damaging my credit profile. Below are the details : 1. Inconsistent reporting across bureaus : This account is not reported to TransUnion at all, while both Experian and Equifax report it as a Charge-Off/Collection. Under FCRA 1681e ( b ), all reported information must be accurate and consistent across all consumer reporting agencies. This is a clear violation. 2. Contradictory last payment dates : Experian shows the last payment as XX/XX/XXXX, while XXXX  shows XX/XX/XXXX. This is materially inaccurate and misrepresents the payment history. 3. Conflicting dispute status : Experian states the account dispute is resolved, while XXXX  shows the dispute is still under reinvestigation. This contradicts FCRA 623 which mandates clarity and timely resolution of disputes. 4. Credit limit discrepancies : Experian reports a credit limit of {$2500.00}, while XXXX  reports {$0.00}, further affecting my utilization rate and credit scoring. This is a direct violation of accurate reporting requirements under FCRA. 5. Payment history conflict : XXXX  reports several months as OK or current, despite simultaneously marking the account as charged off, which is misleading and damaging. Pursuant to my rights under the FCRA, specifically Sections 607 ( b ), 611, and 623, I am requesting the immediate removal of this account from my credit reports due to its numerous inaccuracies and failure to comply with federal standards. I have attached evidence of the inconsistencies mentioned above. Thank you for your prompt attention to this matter. I respectfully request a thorough investigation and full deletion of the account from all credit bureaus to prevent further harm to my financial standing. Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that to disclose my personal information, you have to have my written consent, making you liable for any remedy under the 15 U.S.C. Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed your office again violated my privacy. Under 15 USC 1681 ( a ) ( 4 ).

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 2025-05-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I filed a dispute regarding incorrect information on my credit report. In response, I received an email from the credit bureau claiming that the disputes appeared to originate from a third party. This is incorrectthese disputes were submitted directly by me. I even called the bureau to confirm my identity and verify that I personally submitted the disputes, yet they still refused to process them. 

As a result, I wasted money mailing these disputes, along with personal information to verify my identity, only to have the bureau dismiss them without a thorough investigation. I find this process frustrating and unfair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: EQUIFAX, INC.
State: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX XXXX XXXX XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Sentry Credit, Inc.
State: WA

Complaint narrative:
I am writing to report repeated and unsolicited text messages I have been receiving from XX/XX/XXXX to the present. The sender claims to represent a debt collection agency and includes a suspicious link requesting payment to their organization. 

I do not owe any debts. I am new to the United States and have no financial obligations in my name. Despite my requests for the sender to stop contacting me, the messages have continued. 

The website mentioned in these messages is : XXXX XXXX XXXXsentrycredit.com. 

I am concerned this may be a scam or an instance of identity misuse, and I respectfully request that this matter be investigated. I would appreciate any guidance on further steps I should take to protect myself from potential fraud. 

Thank you for your time and assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: PA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of 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 each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

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 2025-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
CFPB Complaint-Portfolio Recovery Associates , I am filing this complaint against Portfolio Recovery Associates XXXX for failing to provide proper validation of my accounts as required by the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). I have repeatedly requested full account validation, including original signed contracts, statements, and proof of ownership, but these companies have failed to respond appropriately. 

Additionally, I was a victim of a data breach, which compromised my personal information and has contributed to the inaccurate reporting of these accounts. Despite this, XXXX XXXX XXXX have marked these accounts as accurate and verified without providing the proper documentation I requested. Such behavior is a clear violation of my rights and has caused significant emotional distress and credit damage, affecting my ability to obtain fair financial opportunities. I have also reported this to the FTC and have attached the reports in this complaint with reference number being XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
I received a phone call from phone number ( XXXX ) on XX/XX/XXXX at XXXXXXXX XXXX stating that they were the XXXX XXXX XXXX XXXX Department calling to collect a XXXX XXXX for my husband, who had recently turned XXXX XXXX XXXX XXXX XXXX XXXX. They told me that the bond was {$650.00} and that some XXXX XXXX also needed to be paid before he could be released, in the amount of {$740.00}. Stressed, distraught, concerned, and ready to get my husband home, I spent with my Chime account. Shortly after, I received a call from my husband from XXXX and he had no idea what I was talking about, and I realized I had been scammed out of {$1400.00}. I immediately called my bank and tried to stop the payment and have it reversed ; I even called to make a police report. In both cases, I was told that nothing could be done. The police report XXXX XXXX  was taken, and the bank told me I willingly handed the money over all I have is the phone number that I gave in the beginning, the chime tag XXXX XXXX, and the name XXXX XXXX, which is the name that shows up on my chime account as who received the funds. I just want some justice. I don't believe that there is anything that can not be done about this and to stop these people from doing this to other unfortunate individuals

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Please proceed with blocking and removing the unauthorized accounts from my credit report without delay. I did not authorize or initiate these accounts and do not recognize them. As outlined under USC 1681g, I am formally requesting their removal within XXXX days. I have attached the relevant documentation for your examination. Furthermore, the account details reported to each bureau are inconsistent and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: UPGRADE, INC.
State: IL

Complaint narrative:
I am writing to dispute multiple charges in the total of {$1900.00} to my Upgrade XXXX XXXX card occurring from XX/XX/25 onwards. The charges were unauthorized and in error because my card was stolen after XX/XX/25 ( that was the last time I used the card for a purchase ). I filed a police report on XX/XX/25. I promptly cancelled my card and was issued a new one. 
Background : on XX/XX/25 in the early am I received multiple text messages from XXXXXXXX XXXX for declined purchases for various purchases that I dont typically make ( XXXX XXXX XXXX ). So I logged in my various CC to check any unusual charges and saw XXXX XXXX XXXX in various purchases/payments on my Upgrade card from XXXX. I was able to log into the XXXX account for XXXX XXXX minutes to look at the purchases and to see they were being made/delivered in the XXXX area XXXX I was locked out shortly after ( the XXXX has modified the XXXX step authentication to use his phone number ) and changed the password. In addition to the XXXX charges the XXXX  made XXXX payment to my Upgrade card in the amount of XXXX XXXX XXXX XXXX and XXXX XXXX to open up more lines of credit. I was able to block those payments from my personal checking account. The below spreadsheet has the charges that are still open and ones that have been credited. There is still {$1900.00} open in XXXX unauthorized charges that I would like investigated and credited back. My signature card has XXXX XXXX liability policy so I am requesting further review. I have called the Upgrade customer service number on a XXXX instances in regards to this and have been helped at least half the time otherwise its been a unsatisfactory experience. I am a happy Upgrade customer and would like to continue to be XXXX but when something like this happens from XXXX vendor and overseas it should be an easy investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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

Company 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