vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-17 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: NY

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information in violation of 15U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information in violation of 15U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information in violation of 15U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information in violation of 15U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I went to the atm on sunday XX/XX/XXXX and withdrawed some cash. The atm took my money from my acc and gave me no cash. Chase told me the money should appear in 1-2 business days. Its now Friday XX/XX/XXXX and I still havent received the money they lied to me about. Now they said 10 more business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: TX

Complaint narrative:
The company is westlake financial. Out of XXXX. My vehicle was repo due to late payment. In order for the release of my property I needed to pay the remaining loan balance onlong with repossession fee. I did as they instructed. Repo was around the beginning of XXXX. I made the payment on XX/XX/year>. Through money gram. As that was the only way they would accept pay. Waited for 48hr for them process the release. I called daily for check up on the status. Which I was given the run around. I have my documents that show my vehicle is paid off. Along with the last payment. It is XX/XX/year>. The repossession lot has let me know they haven't received any release form. I'm called XX/XX/year> with the bank to validate and confirm if they have sent the release form. They confirmed and said they have " already sent it to the repo lot ''. I called XX/XX/year>. The repossession lot has not received no form of such.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: MD

Complaint narrative:
I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 

ACCOUNTS : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$3800.00XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1900.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$5300.00} XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$4200.00} XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1000.00} XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1700.00} XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1900.00} XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$5400.00} XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$2700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: TN

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account XXXX : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: FL

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: FL

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( 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 2025-10-17 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: FL

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am filing this complaint against Bank of America regarding an unfair and retaliatory reduction of my credit limit on my Bank of America credit card ( account ending in XXXX ). 

On XX/XX/year>, I made a {$200.00} payment, which lowered my balance to {$410.00}. My credit limit at the time was {$2200.00}. That same day, Bank of America reduced my credit limit to {$500.00} without prior notice. 

I immediately called and spoke with a representative named XXXX ( around XXXX XXXX  ), who stated the decision was based on my XXXX  credit report, citing too many inquiries, a delinquency, and too many new accounts. However, I have never been late on this account and have always paid responsibly. These reasons are unrelated to the performance of this specific, well-managed account. 

This reduction caused an artificial spike in my credit utilization ratio, negatively affecting my credit score. The timingoccurring the same day as a paymentmakes the action appear retaliatory rather than risk-based. 

I have been a responsible customer, maintain good credit standing, and have not received a satisfactory explanation for this action. I also filed a XXXX  complaint ( ID XXXX ), which was closed unresolved after BOA provided a generic response that failed to address the substance of my concerns. 

This practice appears to violate the principles of fair and transparent credit reporting and account management under the Equal Credit Opportunity Act and the Fair Credit Reporting Act, as the banks explanation relies on vague or irrelevant factors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: SLM CORPORATION
State: NY

Complaint narrative:
Between XXXX and XX/XX/year>, I spoke with multiple Sallie Mae representatives regarding being removed as a cosigner from my brothers student loans. Each representative informed me that if I paid {$13000.00} toward the loan balance, I would be removed as a cosigner. 

Relying on this information, I paid the {$13000.00}. After the payment was processed, I was told that I would receive the cosigner release documents. However, when I later spoke with a third escalations manager named XXXX, she informed me that I would not be sent the cosigner release form and that Sallie Mae would not remove me as a cosigner.

I explained that I was explicitly told by several Sallie Mae representatives that this payment would result in my removal as a cosigner. I also asked for a refund but was told that it could not be issued because more than 31 days had passedthough I was never informed of this 31-day refund limitation before or after making the payment.

I have a recording confirming that I was given incorrect information Sallie Mae, stating that paying {$13000.00} would result in my removal as a cosigner.

This situation has caused significant financial and emotional distress, as I made a large payment in good faith based on repeated and documented assurances from Sallie Mae employees. I am requesting that Sallie Mae issue a refund for the amount that brought the account up to date, since this payment was made under false pretenses.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XX/XX/year>, I ordered window shades through XXXX using the XXXX Credit Card XXXX operated by Synchrony for a total of {$6700.00}. Within XXXX hours, I cancelled this order and received a confirmation email that the full order was cancelled. No services were rendered, no products were order or received, and the terms of the sale included in the confirmation email included the following statement : " You may CANCEL this transaction, without any Penalty or Obligation, within THREE ( 3 ) BUSINESS DAYS from the Contract date ( Date of the order confirmation ). '' Post cancellation of the order, my account was credited a partial refund leaving a {$4500.00} balance on the XXXX statement, at which time I called XXXX to resolve the issue. At this point I initiated the first of many disputes to resolve this issue and was calling both XXXX and Synchrony to resolve the issue. Through the first dispute, another partial refund was posted leaving a {$1700.00} balance on the XXXX, XXXX, and XX/XX/year> statements. Through that time, additional disputes were initiated each month to attempt to resolve the remaining balance. An additional credit was posted on the XXXX statement leaving {$190.00} balance, which is where I have hit a wall in terms of resolution despite 3 additional disputes being opened.

I have now provided the Synchrony team with the following documentation : Proof of original order, Proof of cancellation of the complete original order, copies of each statement showing the partial credit received, and a summary document reconciling each charge, the refunds posted, and the source of the missing credits. 

Neither Synchrony nor XXXX has not provided any documentation to support the remaining {$190.00} charge on my card. Each denial letter only read that 'this dispute was declined due to lack of documentation to support a credit ', despite providing ample documentation that clearly outlines the need for a credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: FL

Complaint narrative:
I was recently traveling and, during that time, I lost my wallet and became a victim of identity theft. As a result, several fraudulent accounts appeared on my credit report. I did not authorize or open any of these accounts, they do not belong to me and are the result of 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 2025-10-17 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: EQUIFAX, INC.
State: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: CA

Complaint narrative:
After carefully reviewing my credit reports from all three major credit bureaus, I found multiple accounts and inquiries that are being reported inaccurately, incompletely, and without proper validation. Despite previous disputes, these items continue to appear without any supporting evidence, original contracts, or proof of lawful debt ownership. In particular, a small XXXX account is still listed as charged off, even though no documentation has ever been provided to verify its legitimacy or balance. Additionally, several hard inquiries have been reported by companies for which I never applied or authorized a credit check. This includes duplicate inquiries from XXXX XXXX XXXX and an unauthorized triple inquiry from XXXX XXXX XXXX, all of which violate the permissible purpose standards under the Fair Credit Reporting Act ( FCRA ). The continued reporting of these unverifiable and unauthorized items has caused damage to my credit profile and reflects noncompliance with both the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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:
After carefully reviewing my credit reports from all three major credit bureaus, I found multiple accounts and inquiries that are being reported inaccurately, incompletely, and without proper validation. Despite previous disputes, these items continue to appear without any supporting evidence, original contracts, or proof of lawful debt ownership. In particular, a small XXXX account is still listed as charged off, even though no documentation has ever been provided to verify its legitimacy or balance. Additionally, several hard inquiries have been reported by companies for which I never applied or authorized a credit check. This includes duplicate inquiries from XXXX XXXX XXXX and an unauthorized triple inquiry from XXXX XXXX XXXX, all of which violate the permissible purpose standards under the Fair Credit Reporting Act ( FCRA ). The continued reporting of these unverifiable and unauthorized items has caused damage to my credit profile and reflects noncompliance with both the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: GA

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. XXXX ( a ) ( 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 non-monetary relief
Consumer complaint received 2025-10-17 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:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. XXXX ( a ) ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: NY

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/year>XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof.

I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute.

I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : 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 XXXXXX/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 2025-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: TX

Complaint narrative:
XX/XX/year>, Equifax completed an investigation for a collection account reported by XXXX XXXX XXXX ( Account ending in XXXX ) and marked the item as Disputed information accurate. Updated account information unrelated to the dispute. Equifax did not provide me with any documentation from the furnisher showing how the debt was verified. I never received proof of the original agreement, itemized statements, or any evidence validating this debt. 

This response appears to be a generic e-OSCAR verified result without a meaningful reinvestigation, as required by 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ). I am requesting that the CFPB investigate both Equifax and XXXX XXXX XXXX for failing to conduct a reasonable investigation and for continuing to report inaccurate or unverified information. 
I also request that Equifax provide the description of procedure used to verify this item, including the furnishers contact information, as required by law. If the furnisher can not provide legally sufficient proof, I request deletion of this account from my credit file.

Company response to consumer: Closed with explanation