vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP
State: NY

Complaint narrative:
I was inquiring about a credit limit increase through US Bank. During the inquiry, this is the statement that was made. on XX/XX/year> " Line increase request may require credit bureau check. Also known as a consumer report review and could result in an inquiry to the credit bureau. '' This statement is unclear ; there are both soft and hard credit inquiries and with a statement like this, it does not explicitly say that the inquiry will be a hard inquiry and impact your credit. I believe this violates the Truth and Lending Act. 

Also, I called US Bank to get a copy of this disclosure. They refused to send it to me and would only read it to me which also believe should be a violation

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 2025-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
In XX/XX/year> XXXX separate {$100.00} transactions totaling {$300.00} was withdrawn from my checking account and was transferred to an unauthorized card that had been added to my paypal account. I reported this to paypal they told me to have my bank disputed it. My bank disputed the withdrawls as fraudulent and returned the funds. Paypal is now saying that I owe them {$300.00} and that my account has a negative balance. A Paypal representative confirmed that an unauthorized card as well as a second email and phone number had been added to my account. Paypals Fraud department claimed that they investigated and found no fraudulent activity. I requested a formal letter on how they could come to this determination, they said they could not. Paypal will not allow me to close my accounts or remove the fraudulent card that had been added without my authorization because they say I owe the {$300.00} that they allowed to be stolen from me in the first place.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: CCI Financial, Inc
State: NV

Complaint narrative:
Was supposed to make payments and XXXX of payments got reversed even though I had enough Money in my Account and also tried to reset password on my account as well but no verifacation email came through and I used old links that did sign me into my Account I got a weird coding issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am filing a complaint about an unauthorized hard credit inquiry by Citibank Retail Services ( Macys ) that appears on my XXXX  report. I did not apply for credit with Macys, and I did not give written or verbal consent for a credit check. A hard inquiry requires my explicit authorization under the Fair Credit Reporting Act ( FCRA ). 

I have already attempted to resolve this with XXXX  and Citibank Retail Services, but the inquiry remains. I am requesting the CFPBs assistance in having this unauthorized hard inquiry removed from my XXXX  credit report. 

Please investigate and instruct the company to provide proof of my consent or delete the inquiry.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-02 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: IN

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 account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my credit report, I found certain collection and charge-off entries to be inaccurate, outdated, or unverifiable. Despite submitting disputes and providing supporting documentation, these accounts remain unverified and continue to negatively impact my credit. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of these accounts. Any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

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 2025-12-02 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:
Upon reviewing my credit report, I found certain collection and charge-off entries to be inaccurate, outdated, or unverifiable. Despite submitting disputes and providing supporting documentation, these accounts remain unverified and continue to negatively impact my credit. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of these accounts. Any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

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 2025-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
XX/XX/2025 sent letters to LVNV FUNDING LLC XXXX XXXXXXXX ( {$440.00} ) also XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( {$720.00} ), sent another letter on XX/XX/2025, no action nor response taken

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am disputing this verified account pursuant to the Fair Credit Reporting Act ( FCRA ), and I request that this inaccurate and unauthorized account be blocked or removed immediately. 
I have attached my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence. 
Under the FCRA, specifically 15 U.S.C. 1681i, 1681c-2, and 1681s-2 ( a ) ( 7 ), credit reporting agencies must block or remove inaccurate and unauthorized information within XXXX ( XXXX ) business days of receiving an identity theft report. Despite my prior complaint and attempts to resolve this with EXPERIAN, the following inaccurate and unauthorized account was verified on my credit report : Account Name : XXXX XXXX XXXX Account Number : XXXX This verification is causing significant harm to my credit and financial opportunities. I have requested verification and contract copies from the reporting company, but after XXXX  days, received no response. This account was previously removed by other agencies due to lack of verification, yet EXPERIAN verified it without proper validation. This simple verification is illegal, as no evidence or written certification of my authorization for this account has been obtained. 
According to the Fair Credit Reporting Act ( FCRA ), the reinsertion or verification of previously deleted information requires written certification from the data furnisher confirming accuracy, and the consumer must be notified. This was not done in my case, violating federal law. 
I urge the CFPB to ensure EXPERIAN complies with the law by blocking this inaccurate and unauthorized account immediately and confirming the action taken.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The incorrect information currently being reported on my credit report is causing substantial negative consequences. These inaccuracies have led to higher interest rates, hinder my ability to secure job opportunities, and impact on major life decisions such as purchasing a home. In essence, these discrepancies are severely affecting my creditworthiness

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I placed a stop-payment order with Chase on ACH debits from XXXX XXXX XXXX Chase honored the stop-payment order at first, which shows that the bank received and accepted my request. Despite this, Chase later allowed XXXX XXXX to resume ACH debits from my account. These withdrawals caused my account to become overdrawn. 

Under Regulation E and the Electronic Fund Transfer Act ( EFTA ), any ACH debit that occurs after a stop-payment order or revocation of authorization is defined as unauthorized. The merchants original contract does not override my revocation or Chases responsibility to block future debits. 

Chase denied my claim by stating that the merchant provided evidence of a contract. However, the issue is not the contract I originally signed ; the issue is that Chase failed to honor my stop-payment order. This is a bank error. I requested explanations multiple times and was told the matter is between me and the merchant, which violates Regulation E. 

I am requesting that all unauthorized debits that occurred after my stop-payment order be refunded, along with all overdraft fees that resulted from Chases failure to stop the ACH withdrawals. I am also requesting that Chase issue a written explanation as required under Regulation E.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is my third complaint regarding Equifaxs continued failure to correct inaccurate and unverifiable personal information in my credit file. Despite XXXX previous disputes, Equifax is still reporting outdated addresses, incorrect employers, and other identifiers that do not belong to me. My only correct and legally verifiable personal information is : Legal Name : XXXX XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/year> SSN : XXXX Employer : XXXX XXXX XXXX XXXX XXXX Any additional names, previous addresses, unknown employers, or other identifiers currently appearing in my Equifax file are inaccurate, incomplete, or unverifiable. Equifaxs refusal to correct these errors after multiple disputes violates several sections of the Fair Credit Reporting Act, including FCRA 611 for failing to conduct a reasonable reinvestigation, FCRA 607 ( b ) for failing to ensure maximum possible accuracy, and FCRA 609 ( a ) for failing to provide verification or documentation supporting the disputed information. This continued non-compliance exposes me to identity theft and credit file contamination and constitutes negligent and potentially willful violations under FCRA 1681n and 1681o. I am requesting that Equifax immediately delete all inaccurate personal information, conduct a meaningful reinvestigation, provide full verification documentation, and update my credit file to reflect only the correct and verifiable data listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: MO

Complaint narrative:
XX/XX/XXXX I filed a Experian dispute filed on all accounts on credit report. No information was mailed within XXXX  days in response to my dispute.However they changed the statuses of those accounts to written off and placed them in a closed status. Fast forward XXXX they have no record of the dispute no documentation was sent to me as required by the FCRA. The accounts listed were to be removed, as they were not validated.

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 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I went to XXXX XXXX XXXX in XXXX. They said I had the option to purchase the items with an interest free loan never mentioned once that I was signing up for a credit card. I didnt know I was getting XXXX until the physical card arrived in the mail. The sales person stressed repeatedly that it was an interest free loan

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 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: CO

Complaint narrative:
RE : Acct # XXXX, Amount in Dispute : {$15000.00} Debt Validation Letter REQUEST FOR DEBT VERIFICATION From XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom This May Concern, I, XXXX XXXX XXXX have received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g, I hold the right to verify the total debt. Charge off 's 15 U.S code 1601 prior complaint XXXX proof of sign contract by me with Spring Oaks, LLC I am Not liable for this debt with XXXX XXXX  XXXX I dont not have a contract with Spring Oaks Capital stating that I now owe them. They did not provide me with the original contract I, XXXX XXXX, have received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g, I hold the right to verify the total debt. Charge off 's 15 U.S code 1601 prior complaint XXXX I am Not liable for this debt with XXXX Compass XXXX I dont not have a contract with Spring Oaks Capital stating that I now owe them. They did not provide me with the original contract

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: VA

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 account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: GA

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 account listed without my expressed written consent.

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 2025-12-02 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: GA

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 account listed without my expressed written consent.

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 2025-12-02 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: CA

Complaint narrative:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

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