vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

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

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 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: WI

Complaint narrative:
Experian & Trans Union are reported a loan that was canceled, ( but says paid in full ) I NEER RECEIVED ANY MONEY NOR ONE PAYMENT!! The item was refunded, I never received & that shouldn't be reported! This is violation of my rights & against the law to report inaccurate information on my credit report.

15 U.S.C 1681 Section 602 A States I have a right to privacy. Also, U.S.CC 1681604 A Section 2 States a consumer agency can not furnish an account without my written instructions. I called XXXX & they stated I no longer have this account & shouldn't be reporting to credit bureau. PLEASE REMOVE THIS ACCOUNT ASAP THANK YOU

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 2025-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: NY

Complaint narrative:
I want to close my {$0.00} balance account # XXXX and # XXXX, but when I called them on XX/XX/XXXX and XX/XX/XXXX, they refuse to close it. This is a predatory practice to keep charging maintenance fees.

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 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Recently i looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it's my understanding that Bureaus investigate this account for me to ensure accuracy. Here is the * * i am asking you to verify as accurate XXXX ACCOUNT XXXXXXXX XXXX  XXXX  XXXX account 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 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Ive been a victim of credit fraud since mid XXXX and I contacted all three credit bureaus and frozen my accounts but Experian doesnt allow you to dispute online. They want you to call or write a letter. I sent a letter and called over and over but no way to get in contact with them. Plus they didnt freeze my credit and early XXXX I had a second credit card issued in my name that I didnt authorize. I would really appreciate some help with solving this problem with Experian. Thank you!

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 2025-12-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
XX/XX/year>, letters of validation was sent to the company that include explanation and debt not being validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo placed an extended hold on a {$15000.00} settlement check deposited into my account. I was told the funds are unavailable from the maker, but I have not been provided written verification details or confirmation from the issuing bank. I am requesting a formal review under Regulation CC and early release of funds upon verification. The hold is causing financial hardship. I am requesting transparency regarding the reason for the hold, confirmation of the checks status, and immediate release once the check clears.

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 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Subject : Formal billing dispute Non-delivered Merchandise and Credit Reporting Error I am writing to formally dispute a charge on my Wayfair credit account related to an order placed on XX/XX/year>, for a XXXX XXXX XXXX XXXX XXXX XXXX Area Rug ( Order total : {$320.00} ). 
At the time of purchase, I applied for a Wayfair credit card to receive a promotional discount. Although I initially received notice suggesting approval, I subsequently received written correspondence from Citi stating that my application was declined. Based on this, I reasonably believed the order would not be processed or delivered. 
I never received the merchandise. I later discovered that the item was delivered to XXXX XXXX signed for by XXXX XXXX, which is not my address, nor an authorized recipient. XXXX has provided written confirmation verifying that the package was not delivered to my address. 
I promptly contacted Wayfair and Citi upon receiving a bill. Despite providing evidence of non-delivery, my dispute was denied, and I was repeatedly redirected between Wayfair and Citi without resolution. This charge has since been reported and has negatively impacted my credit. 
This constitutes a billing error under the Fair Credit Billing Act and inaccurate credit reporting under the Fair Credit Reporting Act. I am requesting the following corrective actions : 1. Immediate removal of the {$320.00} charge 2. Correction of all negative credit reporting related to this account 3. Written confirmation that my credit file has been restored I have acted in good faith at all times and have provided third-party proof that the merchandise was never delivered to me. I expect this matter to be resolved promptly.

Please provide written confirmation of your investigation and resolution.

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 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

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

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/year> I submitted a formal dispute, refused to correct More than 30 days passed from the date of receipt. Instead of completing the reinvestigation within the statutory timeframe, credit bureau asserted that it required 60 days to respond. 
This assertion is not authorized under federal law. 
The Fair Credit Reporting Act permits an extension to 45 days only when the consumer submits additional information during the reinvestigation period pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( B ). I submitted no additional information. There is no statutory authority permitting a unilateral 60-day delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/year> I submitted a formal dispute, refused to correct More than 30 days passed from the date of receipt. Instead of completing the reinvestigation within the statutory timeframe, credit bureau asserted that it required 60 days to respond. 
This assertion is not authorized under federal law. 
The Fair Credit Reporting Act permits an extension to 45 days only when the consumer submits additional information during the reinvestigation period pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( B ). I submitted no additional information. There is no statutory authority permitting a unilateral 60-day delay.

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 2025-12-25 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: CA

Complaint narrative:
You are required under 15 U.S.C. 1681e ( b ) to report information accurately. Im asking you to provide the original account-level documentation that proves this account belongs to me and is being reported correctly. If you can not provide that documentation, then continuing to report this item is a clear violation of the FCRA and it must be deleted immediately.

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 2025-12-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have had about XXXX XXXX  taken from Chase over the last eight months not knowing that the money was being removed. I have been in good standing for over XXXX years with chase and have over XXXX XXXX in the other bank accounts and I just discovered they have been taking XXXX XXXX XXXX  ( at {$5.00} a month for about 8 months ). I had shared this account and some money was removed without my knowledge. I had no idea there was a balance requirement. Thank I was only refunded XXXX XXXX. I dont think this is right for someone who has a lot of money in the bank and has been banking with Chase for almost thirty years. I will Be closing my Accounts soon because this is not good customer service I have transferred money to the account in the event that they DO NOT DO THIS AGAIN and if I get it sorted out. I want my forty dollars credited back please and as soon as possible. Eventually, I will be moving to another bank because Im not happy with this situation. I should have been notified even for the first month of removal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-25 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I received notice that a dillards account was opened in my name on XX/XX/year> and I called the company they will not give any information and I was told to call and report the problem as identity theft and that they could not help.

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 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiries or accounts or to view my credit report. In addition, I did not permit transUnion or Equifax or Experian permission to furnish this incorrect information on my credit report this violation of the fair credit reporting act section 1681b ( c ) constitutes fraudulent activity, and a serious breach of my privacy rights i am requesting that this account to be removed within 4 business days, Please remove these inquiries from my report XXXX XXXX XXXX XXXX please remove this fraudulent account and activity from my account

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 2025-12-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK
State: AK

Complaint narrative:
I do not owe this debt, my daughter opened a Discover charge account in XXXX of XXXX without my knowledge and she confessed she was paying for it until it was too much for her. She enrolled it in a credit consolidation service program with XXXX XXXX XXXX on XXXX of XXXX. She pays {$350.00} a month to them and was hoping that they were negotiating with Discover to come to a settlement. Unfortunately that didn't happen and in XX/XX/XXXX Discover filed suit. My daughter reached out to XXXX XXXX XXXX when she found out in XXXX when they tried to serve me at her address. XXXX XXXX XXXX tried to negotiate with the creditor, the balance of the debt is {$8800.00} and they only brought it down to a little over {$7000.00} with monthly payments of {$290.00} a month which is not really a decent offer. Due to the aggressiveness of this Creditor and the fact that their attorneys at XXXX XXXX XXXX have never reached out or provided any proof that they sent out demand letters prior to filing suit my daughter removed this Creditor from the program with XXXX XXXX XXXX  She filed an answer to the court with a personal letter to the judge explaining the situation and also submitted a settlement agreement to lower the debt to {$5300.00} and make monthly payments of {$200.00}. No one has reached out to settle this and the court has denied the settlement agreement. 
I am upset with all of these companies for not following standard legal procedures. With XXXX XXXX XXXX for not reaching out sooner to the Creditor and just having it sit there for a year in a program you thought was handling this. The complaint states that Discover merged with XXXX  XXXX as of XX/XX/XXXX yet I never received anything prior to XXXX from XXXX XXXX, Discover or XXXX and XXXX stating that they were taking legal action or we could've handled this outside of litigation. My daughter has power of attorney to handle this debt in my name now but XXXX XXXX from XXXXXXXX XXXX XXXXXXXX nor anyone from his office has communicated when they said they would.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Without my knowledge or consent this company keeps pulling my credit and lowering my credit limit even though my bill is always paid on time. 
Synchrony has a monopoly on store credit cards etc, and they use that to ruin peoples credit by lowering credit limits. So instead of increasing my available credit when I make a payment, these jokers are making my credit score nose dive by making it look like Im maxed out.

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