vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The 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 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
Their continued refusal to correct or remove this inaccurate information is unjustified and in violation of my rights. They stated to me that, they do not have any documents with my signature on it and they can not prove that, this is actually correct or even mine.

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 2025-09-16 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Date of Birth : XX/XX/XXXX SSN ( last 4 digits ) : XXXX Date : [ XX/XX/XXXX ] To : TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX, PA XXXX Re : Unauthorized/Inaccurate Credit Inquiry Dispute To Whom It May Concern, I am writing to formally dispute certain unauthorized/inaccurate credit inquiries appearing on my credit report. The inquiries listed below were not initiated or authorized by me and therefore are inaccurate and must be removed immediately under the Fair Credit Reporting Act ( FCRA ). 

Inquiries in Dispute : [ XXXX XXXX XXXX XXXX XXXXXXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a credit reporting agency may only furnish my credit report under specific permissible purposes, such as with my written authorization or for a credit transaction I initiated. Since I did not authorize these inquiries, they do not meet the criteria of a permissible purpose.

Furthermore : FCRA 604 ( 15 U.S.C. 1681b ) states that consumer reports may only be furnished for specific, permissible purposes.

FCRA 611 ( 15 U.S.C. 1681i ) grants me the right to dispute any inaccurate or unauthorized information on my credit report and requires the credit reporting agency to investigate and correct the information within 30 days.

FCRA 616 and 617 ( 15 U.S.C. 1681n, 1681o ) provide civil liability for willful or negligent noncompliance with the FCRA.

Therefore, I demand that these unauthorized inquiries be removed from my credit file immediately. Please provide me with written confirmation of the deletion.

Additionally, under FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ), I have the right to request all information regarding any fraudulent transactions, including the name, address, and telephone number of the party that obtained my credit report without authorization. Please provide this information to me. 

If your investigation finds that these inquiries were made without proper authorization, I also request the contact information of the entities responsible so I may pursue further remedies.

I expect full compliance within the 30-day period allowed by law. Please send your investigation results and updated credit report to the address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, [ 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 explanation
Consumer complaint received 2025-09-16 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Date of Birth : XX/XX/XXXX SSN ( last 4 digits ) : XXXX Date : [ XX/XX/XXXX ] To : TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX, PA XXXX Re : Unauthorized/Inaccurate Credit Inquiry Dispute To Whom It May Concern, I am writing to formally dispute certain unauthorized/inaccurate credit inquiries appearing on my credit report. The inquiries listed below were not initiated or authorized by me and therefore are inaccurate and must be removed immediately under the Fair Credit Reporting Act ( FCRA ). 

Inquiries in Dispute : [ XXXX XXXX XXXX XXXX XXXXXXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a credit reporting agency may only furnish my credit report under specific permissible purposes, such as with my written authorization or for a credit transaction I initiated. Since I did not authorize these inquiries, they do not meet the criteria of a permissible purpose.

Furthermore : FCRA 604 ( 15 U.S.C. 1681b ) states that consumer reports may only be furnished for specific, permissible purposes.

FCRA 611 ( 15 U.S.C. 1681i ) grants me the right to dispute any inaccurate or unauthorized information on my credit report and requires the credit reporting agency to investigate and correct the information within 30 days.

FCRA 616 and 617 ( 15 U.S.C. 1681n, 1681o ) provide civil liability for willful or negligent noncompliance with the FCRA.

Therefore, I demand that these unauthorized inquiries be removed from my credit file immediately. Please provide me with written confirmation of the deletion.

Additionally, under FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ), I have the right to request all information regarding any fraudulent transactions, including the name, address, and telephone number of the party that obtained my credit report without authorization. Please provide this information to me. 

If your investigation finds that these inquiries were made without proper authorization, I also request the contact information of the entities responsible so I may pursue further remedies.

I expect full compliance within the 30-day period allowed by law. Please send your investigation results and updated credit report to the address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year>, I signed a registration agreement for a XXXX XXXX XXXX. The total tuition was XXXX equal installments of {$12000.00} for XXXX sessions of the course. The signed agreement clearly states the second installment was not due until XX/XX/year>. 

On XX/XX/year>, I discovered that XXXX  XXXX  charged my Chase credit card {$12000.00} several months early, in violation of the signed payment schedule. 

I immediately contacted the merchant by XXXX on the same day. I informed the merchant that I will not be continuing the course and will not attend sessions XXXX. Therefore, no further charges beyond the initial {$12000.00} registration fee are authorized. The merchant admitted the early charge was a mistake but later refused to refund it. 

After trying to unsuccessfully resolve with the merchant, I then filed a dispute with Chase on XX/XX/year>, providing the signed contract and my written message to the merchant. Despite this, Chase delayed the dispute for 15 days under a merchant return code before moving it to review. I asked multiple times to code it correctly as unauthorized charge, but Chase customer service refused to do it. I was later told conflicting information by different Chase representatives about whether a chargeback had even been filed. After over XXXX weeks, Chase is still reviewing information and hasnt formally filed a chargeback. 

This is a clear billing error under the Fair Credit Billing Act ( FCBA ). The merchant charged my account before the payment was due, and I did not authorize that charge. Chase is not being helpful at all in resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
XX/XX/year> i put money on my cashapp card to pay my afterpay fee then after that I put more money in there so I would be able to do another afterpay to help me through the week well once it was on the account.it came up the option to put back on ny XXXX to spend once it done that it came up the option to actually make ny payment for the XXXXXXXX XXXX XXXX XXXX XXXX XXXX so I did I took the phone to the office to show the XXXX it was paid online.and he told me and showed me his phone he never received the payment so the very next day I go to check on it again he still didn't receive it so I had to take my work money and pay it again so I paid XXXX off of my XXXX then XXXX I don't know where or what happen to it even though it shows it was to the motel the another XXXX out of the only money I had left I had XXXX receipt and tried to dispute the transaction.and after XXXX days of fighting with consumer service my claim was still denied and this is bulletin so I basically lost XXXX dollars and it doesn't look like they care to look at my recipes or any of the information I had showing I needed my money back they jist denied it and left it like that well XXXX not leaving it alone that's my money I worked for its hard enough each week already

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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. This fraudulent account is a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned accounts are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that the aforementioned consumer credit account is the result of identity theft and fraud. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Experian credit reporting agency block all of the accounts identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address 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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have reached out to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They have been responsive. I have also reached out to Experian. They responded but not in a satisfactory way. Experian is not processing any information from XXXX XXXX regarding payment schedules. I am retired, debt free, and comfortable financially. But I don't have a credit rating with Experian because they are somehow not receiving the monthly information from XXXX XXXX. Experian thinks I have an issue with a missed payment or something similar. Not so. They are NOT processing the information from XXXX XXXX. 
I can't get a credit card line increase. I have worked diligently and have worked hard to make payments on time. Experian doesn't show that I have a credit score! 
Thanks, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent account is a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned accounts are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that the aforementioned consumer credit account is the result of identity theft and fraud. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address 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 2025-09-16 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:
The presence of the inaccuracy due to Equifax and XXXXXXXX XXXX XXXX XXXXXXXX, I will be seeking legal actions if this issue is not rectified under federal laws and removed. I have contacted agencies to assist me with this matter because the information is fraudulent, the accounts below were not agreed upon. I further assert and your agency has failed to provide a meaningful resolution in accordance with my rights. I am also complaining about the handling of my identity theft claim, and to bring to your attention the impermissible access of my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). I have discovered that the fraudulent account had been opened in my name without my knowledge or consent. 

There is no legal admissible evidence to verify the accuracy. I am requesting the fraudulent item be XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My name is incorrect as well as my address and phone number. I was a victim of fraud many years ago which I reported but incorrect spelling of my name date of birth etc keeps showing up with accounts that doesnt belong to me and have been setting me back with my credit and getting a job as well as a new home. I have tried to dispute things with all XXXX credit bureaus but the information and debts keep popping up through XXXX party debt collectors so it looks like I have multiple delinquencies for the same accounts.

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 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
Good morning, WIthout any reason / explanation, XXXX  closed my account and banned me. This is absolutely rediculous. I work in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX and have never, and would never, engage in any type of fraud, misconduct or the like that would warrant such action. Beyond that, they refuse to even give me a reason. I would like my account reopened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: MO

Complaint narrative:
This is a formal dispute regarding the late payment inaccurately reported on my credit report. I have consistently met my obligations on time, and this entry is both incorrect and unjust. Its reporting misrepresents my financial behavior and harms my credit reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within XXXX business days of receiving appropriate proof. 
I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXXXXXX XXXX XXXX Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$800.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00} XXXX XXXX Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$640.00} XXXX XXXX XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$9800.00} Unauthorized Inquiries to Be Deleted : XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/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 non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
These debt collectors have engaged in abusive, deceptive, and unfair practices in violation of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, they failed to follow the legally required five-step debt validation process, denying me my right to proper notice and verification, which constitutes an unfair and unlawful practice. Under the FDCPA, I am entitled to up to {$1000.00} per violation, and these actions represent clear violations of my consumer rights.

Company response to consumer: Closed with explanation