vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-25 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX Date : XXXXXXXX XXXX XXXX Date : XXXX ACCOUNTS : XXXX XXXXXXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$5700.00} XXXX  XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$58.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: AL

Complaint narrative:
My Experian report contains inaccurate and misleading information : XXXX XXXX Reports late payments and balance inconsistencies, violating FCRA 607 ( b ). 
XXXX XXXX XXXX XXXX XXXX  A charged-off loan from XXXX is still reported, even though it should be obsolete under FCRA 605 ( a ). 
XXXX XXXX XXXXXXXX Misreported as a collection/claim despite being paid with XXXX balance. This is misleading and violates FCRA 611. 
XXXX Collection ( {$4400.00} ) Listed as a collection account, inconsistent with XXXX. Unless validated with original documentation, this reporting is inaccurate.

Addresses & Inquiries Experian lists unauthorized addresses. Only XXXX XXXX XXXX XXXX XXXX XXXXXXXX should remain. Experian also reports an unauthorized XXXX  inquiry ( XX/XX/year> ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

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 explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
Subject : Complaint Regarding Disputed Interest Charges FCBA Consumer Information : Name : XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, CT XXXX Phone : XXXX Email : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Problem Summary : I sent a dispute for interest charges via certified mail on XX/XX/year> ( tracking number : XXXX ). The dispute concerns {$3600.00} in retroactive interest charges applied to my account following the expiration of a XXXX deferred interest promotional plan. 
The undisputed balance of my account was {$820.00}, which I have paid in XXXX transactions : {$300.00} on XX/XX/XXXX and {$520.00} on XX/XX/XXXX, fully covering the undisputed portion. 
Despite sending the dispute, representative XXXX ( # XXXX ) informed me by phone that they do not accept disputes, which contradicts the Fair Credit Billing Act ( FCBA ), protecting my right to dispute incorrect billing charges. 
Actions Taken : Sent dispute via certified mail with tracking number Paid the undisputed portion ( {$300.00} + {$520.00} ) Called the bank to notify them of the dispute and confirm the balance Retained all evidence : certified mail receipt, payment records, dispute letter, call notes Specific Issue I Want Resolved : That XXXX XXXX XXXX  acknowledges and processes my dispute for the {$3600.00} in retroactive interest charges That the disputed portion does not generate additional fees or negatively affect my credit history while under investigation That I am provided clear documentation showing that I was properly notified of the promotional plan expiration date and deferred interest terms That the bank adjusts my account according to the law if the charges are found to be applied incorrectly Attached Evidence : Copy of certified mail and tracking number Dispute letter sent to the bank Payment receipts for {$300.00} and {$520.00} Related account statements Call notes with representative XXXX ( # XXXX ) Requested Action from CFPB : Review the dispute and ensure XXXX XXXX XXXX  complies with the XXXX Ensure that the disputed charges do not accrue additional fees or affect my credit history until the dispute is resolved Sincerely, XXXX XXXX XXXX XXXX XXXX Email : XXXX Phone : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Block, Inc.
State: KS

Complaint narrative:
MY PHONE WAS STOLEN IN XXXX XXXX I TOLD SECURITY. THEY SAID COME BACK IN THREE DAYS WE'LL HAVE YOUR PHONE THREE DAYS LATER MY PHONE WAS GIVE BACK MY CASH APP WAS MISSING OVER XXXX DOLLARS AND OVER THE MONTH ANOTHER XXXX DOLLARS WAS STOLEN LAW ENFORCEMENT WAS INVOLVE IN THE THEIFT OF THE PHONE AND MONEY THAT OF XXXX. XXXX XXXX AND THEY HAVE NOT REFUNDED MY MONEY OR CASH APP HAS NOT REFUNDED MYU MONEY IT HAS BEEN 2 YEARS AND 9 MONTHS AND LAW ENFORCEMENT IN KANSAS HAS LOCKED MY PHONE TO KEEP MY MONEY AND FALSELY XXXX ME FOR 13 MONTHS AND SAID I WAS A DRUG DEALER TO COVERUP THEIR CRIME

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: GA

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. So many transactions on this account those dates listed are dates I file for dispute, I almost gave up but something needs to be done, in I will attach transaction in dates below in the documents sections

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: TX

Complaint narrative:
These inaccurate accounts must be taken off the report within 15 days in accordance with USC 1681g.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I am requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX Opened on XX/XX/XXXX XXXX XXXX PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : XXXX XXXX Opened on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX XXXX XXXX  XXXX Opened on XX/XX/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 2025-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I have tried to dispute a charge from XXXX XXXX in the amount of XXXX and its been XXXX weeks nothing has been done no provisional credit or anything. Causing further financial strain. Furthermore my husband who shares the same account with me reserved a rental car and paid XXXX but was not approved for the car so rental place advised we needed to have bank release the charge its been XXXX weeks and that has not been done. We are in a financial hardship!! Credit card company seems to be dragging their feet. The bank is navy federal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: WI

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX, Date of Birth : XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXX BALANCE {$10000.00}, XXXX XXXX  XXXX BALANCE {$4800.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are result of identity theft and fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
I called to have my accounts closed sometime towards the end of XX/XX/year>. I was closing 3 accounts with this bank. they left one of the accounts opened. I see that I am being charged from some other company that I did not want them to charge this account anymore. 
now the bank is saying that my account will be closed on XXXX XXXX, where as I have a letter stating that my account was closed on XX/XX/year>, they did not close my account. I want to be compensated for them not closing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: NY

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I paid my Synchrony Care Credit account in full and requested that it be closed. The representative confirmed both the payoff and the closure. After that, small residual balances ( around {$2.00} ) appeared on the account due to trailing fees/interest that were never disclosed to me at the time of closure. Because the account was already closed, I had no way of knowing a balance remained until late fees were added and negative marks appeared on my credit report. 

This has happened multiple times in a row. Each time I paid the balance, another small fee would appear later, leading to more late fees and continued negative reporting. I acted in good faith by paying my account in full when closing it, yet Synchronys process created a cycle of residual charges on a closed account that I could not reasonably prevent. 

As a result, my credit reports now show 30- and 60-day late payments, which are severely damaging even though I believed my balance was XXXX at closure. This practice is unfair and deceptive. I am requesting that Synchrony remove the late payment reporting from my credit history, confirm the account is permanently closed with a {$0.00} balance, and provide a letter stating that no future fees will be assessed. 

I have copies of my dispute results and statements showing the account was paid in full and closed, and I can provide these directly if requested.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : 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, Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2600.00} XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$590.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XXXX XXXX Date : XXXX XXXX Date : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation