vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-28 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: SC

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. 
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 I looked at Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting Act 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 according to 15 USC 1681 ( e ) ( b ).

Furthermore, under 15 USC 1681i ( a ) ( 5 ) ( A ), if after a reinvestigation an item is found to be inaccurate, incomplete, or unverifiable, the credit reporting agency must promptly delete or modify the information and notify the furnisher of that action. Additionally, 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) and 1681 b ( a ) ( 1 ) prohibit any person or data furnisher from reporting information they know or have reasonable cause to believe is inaccurate. Any continued furnishing or re-reporting of such information violates federal law.

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 2025-06-28 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXX  XXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX CARD # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: MA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Formal Complaint Regarding Deceptive Financing Practices by XXXX XXXX XXXX XXXX XXXX I am writing to formally complain about the deceptive and unfair financing practices I experienced with XXXX XXXX and their lender, XXXX XXXX. 

On or around XX/XX/XXXX, I purchased a ring from XXXX XXXX for approximately {$4000.00} and enrolled in a promotional financing plan with XXXX XXXX. At the time of purchase, the sales associate only instructed me to make monthly payments and assured me that if I did so, I would pay no interest. 

However, I was never informed or made aware that failing to pay off the full balance within 18 months would result in retroactive interest being charged on the entire original amount. There was no clear explanation or written disclosure provided to me regarding these critical terms. 

Today, roughly XXXX  days after the XXXX promotional period ended, I discovered that my balance, which was approximately {$1300.00}, suddenly increased to over {$2500.00} due to retroactive interest charges. At no point prior to this was I notified, warned, or given any statement indicating that this interest would be applied. 

I promptly contacted XXXX XXXX  customer service to dispute these charges and explain the lack of disclosure and notification, but they refused to adjust or remove the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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:
* * Consumer Financial Protection Bureau ( CFPB ) Complaint Template * * * * Complainant : * * XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : XXXX Email : [ XXXX ] ( XXXX : XXXX ) Date of Birth : XX/XX/XXXX * * Company Complained About : * * TransUnion LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX * * Complaint Category : * * Credit Reporting * * Complaint Details : * * I am submitting this formal complaint regarding inaccurate and unlawful credit reporting by TransUnion LLC in violation of federal law. 

I am a co-obligor on a mortgage account reported by XXXX XXXX XXXX XXXX XXXX. This mortgage is subject to an active XXXX  XXXX bankruptcy filed by my spouse, XXXX XXXX XXXX, Case Number XXXX, in the United States Bankruptcy Court , XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 

Under federal bankruptcy law, specifically * * 11 U.S.C. 1301 ( a ) * *, I am protected by the co-debtor stay, which prohibits any creditor or reporting agency from taking collection actions or reporting information that misrepresents the legal status of this debt.

Despite this, TransUnion has reported this mortgage account with adverse information for the past eight consecutive months, damaging my creditworthiness and misrepresenting my legal obligations. This constitutes : * Inaccurate reporting of the legal status of the debt; * A violation of the bankruptcy co-debtor stay ; * A violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). 

On XXXX of XXXX & XX/XX/XXXX, I submitted a formal written dispute to TransUnion, demanding correction of the false reporting and providing proof of the active bankruptcy and my protected status. I also cited potential statutory damages under the FCRA of up to \ {$1000.00} per violation. 

* * Requested Resolution : * * * Immediate correction of all inaccurate credit reporting ; * My Wife XXXX XXXX XXXX has made the CFPB aware of this on two compliants months ago, and the CFPB only forwarded it to the FDIC and they closed it with in days. 
* Written confirmation that no further negative reporting will occur while the bankruptcy protections remain in place; * Investigation by the CFPB into TransUnion 's ongoing practices ; * Enforcement action if appropriate. 

* * Supporting Documentation : * * * Screenshots documenting eight months of false reporting. 

I respectfully request the CFPB 's assistance in resolving this matter and holding TransUnion accountable for their actions. 

* * Signature : * * XXXX XXXX XXXX XXXX. 
Date : 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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Possible Financial Inc
State: TX

Complaint narrative:
On or around XXXX XXXX XXXX, I filed a dispute with XXXX regarding an account reported by Possible Finance. I challenged the accuracy of the balance and payment history, citing discrepancies that suggested the account may not be reporting correctly. XXXX marked the account as verified without providing any documentation or explanation from Possible Finance. No changes were made to the account, and I did not receive any supporting evidence during the reinvestigation. This fails to meet the requirements of FCRA Section 611.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: WI

Complaint narrative:
My phone and purse with my information stored in my phone and important information in my purse. When i finally was able to get me another phone I immediately checked all my accounts that could potentially be scammed. When I checked chime. I noticed XXXX transactions back to back sent to a person that wasnt stored in my contacts which they sent money from cash app to chime then proceeded with the transactions. I immediately contacted chime and they stated the see the fraudulent transactions and that they were deeply sorry and would do anything to help me resolve the case. After XXXX day they stated they thoroughly investigated and no error was made. I then called them stating i have police reports and its evident that its been scammed because i havent used chime in forever maybe once since the account been opened. I then disputed the claim twice but still same response. I even sent them screenshots of multiple attempts on my cash app but still same response. I then read multiple reviews with chime failing to reimburse customers money with evident fraudulent activities going on and falsely investigating claims. I really do hope you can help with my situation. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX  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 2025-06-28 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: CA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-28 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: NC

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : 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 2025-06-28 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: GA

Complaint narrative:
I recently reviewed my credit report and noticed that an account is not reporting accurately. I have two late payments on the account that is paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report on this complaint on the following dates XXXX. I'm now requesting you to investigate and provide verifiable proof with a record showing that I had a late payment. This information can not be verified. I demand that these payments be uploaded to be paid on time immediately. Thank you for your understanding and prompt actionon

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 2025-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have the Chase United Explorer Credit card that comes with 2 one-time day passes that were available to be used between XX/XX/XXXX and XX/XX/XXXX. I have tried to use these 2x and denied both times. The last time XX/XX/XXXX at XXXX XXXX terminal A and the XXXX XXXX made us feel less than for not being members and even let us know it was {$1400.00} per year as we walked away feeling shamed and heartbroken our trip was starting like this. 

Who is responsible for this fraudulent promotion, Chase or XXXX XXXX? 

I spoke with Chase who told me the passes come from XXXX so it is up to them, but Chase is the one promoting the card including this benefit. 

Our flight was delayed that night and we were aware before leaving the house. We could have eaten dinner and relaxed at home but since these passes were expiring and our last opportunity at traveling, we looked forward to using them and enjoying our travels in the club. 

I would like others to be aware this is a scam, and the benefit is not guaranteed and is at the discretion of who is working the desk that evening. My wife also had this credit card and was only allowed to use 1 of her passes as the employee on her trip was able to grant access understanding people do not travel every week.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I disputed an account from XXXX XXXX XXXX that is being reported on my Equifax credit file. I first sent in a dispute via their website/email on XX/XX/XXXX, and again via certified mail on XX/XX/XXXXXXXX  directly to XXXX requesting validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ). XXXX never responded. 

I then submitted a dispute to Equifax, providing the evidence that XXXX failed to respond to both of my direct disputes, which is a violation of the FDCPA. Equifax somehow verified the account as accurate, even though the furnisher did not comply with federal law or validate the debt. 

This violates both the FDCPA and the Fair Credit Reporting Act ( FCRA ). Furnishers are required to validate information if a consumer requests it in writing, and the credit bureau is required to conduct a meaningful investigation. Neither occurred in this case. 

This inaccurate and unverified reporting has caused damage to my credit and interfered with financial opportunities including loan approvals and favorable terms. 

Attached you will find my dispute letter to Equifax, a copy of the email I sent in XXXX of XXXX, the certified mailed letter sent in XXXX of XXXX, and proof of receipt of certified mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
RE : Demand for Debt Validation Rental Collection ( FDCPA 809 ( b ) ) Account Reference : Acct. XXXX To Whom It May Concern, I am formally disputing the alleged rental collection you have reported to the credit bureaus. Under FDCPA 809 ( b ), I request immediate validation of the following : A lease agreement or legally binding contract showing my liability A full accounting of charges, payments, and deductions Legal documentation authorizing your agency to collect this debt The identity and contact of the original creditor/property Proof of your license to operate in my state Pending this validation, I demand that : All collection activity stop immediately This item be marked disputed with all credit bureaus You halt all further reporting of this debt Failure to comply within 30 days will result in formal complaints with the CFPB and legal recourse under the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

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 2025-06-28 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: TN

Complaint narrative:
IIn 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. 
XXXX XXXX : # XXXX, XXXX XXXX  Services : # 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  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, states a consumer reporting agency can not furnish an 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 and crimes which antedates the report by 7 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

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