vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 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: VA

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!

"

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 2025-05-02 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: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report, as I did not create them and was not informed of their presence. In compliance with USC 1681g, I expect their removal within 15 days. Please find the enclosed supporting documents.

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 2025-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-05-02 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX  XXXX acct XXXX XXXX, XXXX XXXX acct # XXXX, XXXX  XXXX acct # XXXX, XXXX  XXXX acct # XXXXXXXX XXXX XXXX  XXXX acct 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 non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
Hi! Dear CFPB. 
I have a complain, about OneMain Financial. I have borrowed money from this institution, but I am overwhelmed with interest they are charging me. I make payments of {$580.00} per month, and today I realized this financial institution is charging me {$560.00} of interest in my account? Meaning I am only paying {$14.00} dollars towards my principal. This got very upset. I been paying to OneMain financial for so long, thinking my balance will go down, because they said, this will help me up to pay it faster, but not! The balance of {$15000.00} is not dropping at all because these thefts are only adding XXXX dollar of the principal to my account. 
I really need you The Consumers Financial Protection Bureau to help me out to check OneMain Financial ( XXXX XXXX XXXX XXXX, IN XXXX. This is where its main branch is located. I am a retired teacher from VA. I am very upset about finding out these greedy people dont get happy charging the costumers a % that is real or normal but from 30 % to 40 % rate in our loans. Right now this is not fair. These Financial institutions, should return all the money they steal from citizens like me. My Daughter who is XXXX XXXX, has got very upset about what this Financial institution is doing to me. So I decided to write to your office, so you can do an investigation and send your agents to investigate this criminal matter. I believe that America should not have these bunch of thieves in this country. 
Please help me! If you need any proof about this institution. I have it with me! 

Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: OH

Complaint narrative:
Between XXXX and XX/XX/year>, I submitted multiple payment disputes on the Cash App platform regarding charges that were either refunded, denied, or unresolved. The charges include : XXXX XXXX : XX/XX/XXXX ( {$200.00} ) XX/XX/XXXX ( {$60.00} ) XX/XX/XXXX ( {$2400.00} ) XX/XX/XXXX ( {$340.00} ) XX/XX/XXXX ( {$340.00} ) XX/XX/XXXX ( {$340.00} ) XX/XX/XXXX ( {$340.00} ) XXXX XXXX XXXX : XX/XX/XXXX ( {$340.00} ) XX/XX/XXXX ( {$340.00} ) XX/XX/XXXX ( {$340.00} ) XX/XX/XXXX ( {$340.00} ) XXXX XXXX : XX/XX/XXXX ( {$70.00} ) These transactions were marked in Cash Apps internal logs as refunded or previously disputed, yet the associated funds never reached my balance or card. I followed up with Cash App support, submitted formal requests for review, and was escalated to a specialty team. Despite those steps, I was not provided with documentation explaining why the refunds were not reissued or honored. 

I am requesting intervention under federal consumer protection rights to obtain a complete case file with documentation of denial reasons, timestamps, refund activity, and any backend logs showing handling of these disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-02 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: NJ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned XXXX  grieved me. I've tried to get clarification from the creditors, but they have blatantly refused XXXX give it XXXX  me. I demand that the creditors act immediately XXXX be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, XXXX give comprehensive details about each account XXXX inquiry, including dates, purposes, XXXX the kinds of credit products involved. XXXX see what I'm complaining about, please refer XXXX 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 2025-05-02 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 explanation
Consumer complaint received 2025-05-02 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Claim Dispute and Errors Obvious Date Time/Transaction Amount Adjustment Errors for Cancelled never refunded XXXX Reservation resulting in Account Deficit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: NC

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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:
I am submitting this complaint to TRANSUNION regarding inaccurate information reported on my credit file that has not been validated, confirmed as accurate, or physically verified. 

I have noticed potentially incorrect and highly questionable entries on my credit report that have not been properly verified. As a consumer, I am entitled to request the removal of these entries immediately, in accordance with my federal and state consumer rights. This complaint also serves as a check to ensure that the items you report are in compliance with FACTA Title 1, Section 151, which outlines the proper procedures. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : 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 non-monetary relief
Consumer complaint received 2025-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
Account XXXX XXXX XXXX I'm unaware of this debt XXXX did not have the opportunity XXXX dispute this account. If you believe you sent proper notification, pleasse provide XXXX Mail ' with receipt displaying my signature. If not, please delete XXXX XXXX  XXXX as soon as possible from my report or i will have XXXX take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: GA

Complaint narrative:
TransUnion is reporting inaccurate and outdated charge-off accounts that raise serious concerns about the integrity of their data validation process. Specifically, the account from XXXX XXXX XXXX ( Account ending in XXXXXXXX XXXX XXXX XXXX XXXX  ) is reporting a balance of {$0.00}, yet it remains listed as a negative charge-off, which contradicts standard credit reporting logic and implies a failure to update or properly verify the account status. Additionally, the XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX ) shows a charge-off amount of {$400.00}, and I have reason to believe this account may have been inaccurately maintained or mishandled during data transmissionpotentially due to a data breach or systemic error that has not been disclosed or remedied. This incomplete and damaging information violates 15 USC 1681e ( b ), which mandates maximum possible accuracy in credit 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
Consumer complaint received 2025-05-02 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:
In XX/XX/year>, I called the credit bureau to have all despite remarks removed from my credit report ( specifically XXXX XXXX XXXX ). I was assured that the dispute remarks would be removed. I checked my credit recently and noticed that the credit bureau failed to remove the dispute remarks that I requested via phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I received a text from Chase at XXXX, XXXX. XXXX I was at work at the time. I couldnt contact Chase. I contacted Chase when I arrived home via phone around XXXX. When I contacted them I thought it was a scam because the text that I receive had the wrong last digits of the account number. I mentioned this to Chase XXXX XXXX stated that I will go XXXX the bank and find out what is going on. After I hung up I went directly XXXX Chase in XXXX. Chase in XXXX stated it wasnt a scam and called Chase XXXX XXXX find out what was going on. Chase XXXX stated that my account was locked XXXX they could not tell me why. They said that it was confidential.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
In XXXX, I faced a traumatic emergency involving my pet. During this emotional crisis, I was encouraged to apply for financing through a credit account to cover the urgent veterinary care. The application was processed via phone and digital link, with little explanation of the financial terms or repayment expectations. 

Sadly, my pet passed away within two days of the procedure. I was later billed over {$13000.00} through the credit account and never received a signed agreement, itemized bill, or clear documentation. I only discovered the account when it began affecting my credit. 

I formally disputed the account with a credit bureau and followed up with a legal request for verification, but was told it was verified and updated without proof. A debt collector has since attempted to collect the balance, and I sent them a request for validation. To date, Ive received no documentation from either the original creditor or the collector. 

This situation has caused long-term emotional and financial stress. Im submitting this complaint to request deletion of the account due to lack of verification, and to raise awareness about the risks of emotionally pressured financing during emergencies.

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Control, LLC
State: TX

Complaint narrative:
In 2024, I faced a XXXX XXXX involving my pet. During this emotional crisis, I was encouraged to apply for financing through a credit account to cover the urgent veterinary care. The application was processed via phone and digital link, with little explanation of the financial terms or repayment expectations. 

Sadly, my pet passed away within two days of the procedure. I was later billed over {$13000.00} through the credit account and never received a signed agreement, itemized bill, or clear documentation. I only discovered the account when it began affecting my credit. 

I formally disputed the account with a credit bureau and followed up with a legal request for verification, but was told it was verified and updated without proof. A debt collector has since attempted to collect the balance, and I sent them a request for validation. To date, Ive received no documentation from either the original creditor or the collector. 

This situation has caused long-term emotional and financial XXXX Im submitting this complaint to request deletion of the account due to lack of verification, and to raise awareness about the risks of emotionally pressured financing during emergencies.

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion is incorrectly reporting my name as XXXX XXXX XXXX XXXX XXXX which is an incomplete and inaccurate representation of my full legal name. My full legal name is XXXX XXXX XXXX XXXX, and the omission of key components of my name is not just a clerical errorit compromises the integrity of my file. Under 15 USC 1681e ( b ), TransUnion is responsible for maintaining the most accurate and complete identifying information, and this name truncation can contribute to misfiled records, mismatched accounts, or even wrongful denial of credit opportunities. This kind of inaccuracy can be the result of outdated systems or a data breach that led to the creation of an incomplete profile.

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 2025-05-02 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: SC

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!

"

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