vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I have been a XXXX client with HSBC for over a decade. Historically, my HSBC XXXX XXXX Credit Card waived the {$95.00} annual fee for XXXX customers. On XX/XX/XXXX, I discovered a {$95.00} annual fee posted to my account. After reviewing HSBCs website and contacting customer service, I learned the waiver policy had been changed to apply only to XXXX XXXX clients. I never received any physical or electronic notice directly informing me of this change. 

Upon reviewing my prior statements, I confirmed that the statement immediately before XX/XX/XXXX contained no mention of an annual fee. In the XX/XX/XXXX statement, HSBC included a generic Revised Terms, as of XX/XX/XXXX section. However, it did not clearly or prominently state that the XXXX annual fee waiver benefit was being removed, nor did it directly notify me of the specific change, the effective date, and my right to reject the change as required by the Credit CARD Act ( 15 U.S.C. 1637 ( i ) ) and Regulation Z ( 12 CFR 1026.9 ( c ) ( 2 ) ).

The law requires at least XXXX days advance notice of significant changes to credit card terms, in a clear and conspicuous manner. Simply attaching or embedding generic revised terms without explicitly highlighting the removal of a key benefit does not satisfy this requirement. I requested from HSBC the effective date of the change, copies of the old and new terms, and proof of any notice sent to me. HSBC refused to provide this unless I supplied personal details first, despite my request being made through secure account channels. My request for a refund of the improperly charged fee was denied. 

This constitutes a failure to comply with required notice provisions and an unfair billing practice. I am seeking a full refund of the {$95.00} annual fee and confirmation that HSBC will comply with applicable notice requirements going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: KY

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXX XXXX XXXX Balance : {$0.00} EAGLELOAN XXXX Balance {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

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 2025-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
Daily emails have been sent from this organization and i am feeling harassed. Tried contacting their rude unprofessional debt collection division to no avail

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 2025-08-08 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: TN

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report, and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential identity Fraudulent Activity to the Equifax breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my financial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : XXXX ) XXXX XXXX XXXX  Amount : {$4000.00} XXXX XXXX ) XXXX XXXX XXXX Amount : {$5000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount : {$270.00} XXXX INACCURATE ADDRESSES LISTED : XXXX ) XXXXXXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX ) XXXXXXXX XXXX XXXX WAY XXXX, TN XXXX XXXX ) XXXX XXXX XXXX XXXX, TN XXXX XXXX ) XXXX XXXX XXXX XXXX, TN XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX ) XXXX XXXX XXXX XXXX, TN XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX, TN 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 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 2025-08-08 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: TN

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report, and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential identity Fraudulent Activity to the Equifax breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my financial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : XXXX ) XXXX XXXX XXXX  Amount : {$4000.00} XXXX XXXX ) XXXX XXXX XXXX Amount : {$5000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount : {$270.00} XXXX INACCURATE ADDRESSES LISTED : XXXX ) XXXXXXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX ) XXXXXXXX XXXX XXXX WAY XXXX, TN XXXX XXXX ) XXXX XXXX XXXX XXXX, TN XXXX XXXX ) XXXX XXXX XXXX XXXX, TN XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX ) XXXX XXXX XXXX XXXX, TN XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX, TN 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 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 2025-08-08 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: MD

Complaint narrative:
I am filing this complaint because Experian has failed to correct multiple inaccuracies on my credit report, despite my previous disputes and their legal obligation under the Fair Credit Reporting Act ( FCRA ) to maintain maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) and conduct reasonable reinvestigations ( 15 U.S.C. 1681i ( a ) ). 

The inaccurate information includes : Wrong addresses : XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX I have never lived at these addresses, nor have I had any accounts linked to them. Keeping them on my credit file creates a false residential history, increases the risk of file mixing or identity theft, and damages my credibility with lenders. 

Collection account : XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00}. 
This account is misleading because it shows as a negative collection despite having a {$0.00} balance, which means it has been resolved. Experians continued reporting of this item is incomplete, inaccurate, and unfairly harming my credit standing. 

Unauthorized inquiries : XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX did not authorize these companies to access my credit file, nor did I initiate any credit applications or transactions with them. Under 15 U.S.C. 1681b ( f ), a credit report can only be furnished with a permissible purpose. Experian has failed to provide proof of my consent or a permissible reason for these inquiries. 

Despite citing the relevant laws and requesting documentation to verify these items, Experian has either verified them without providing proof or ignored my explanations entirely. This is not a reasonable reinvestigation as required by law. 

These inaccuracies are causing ongoing harm by lowering my credit score, making me appear as if I lived at addresses I never occupied, suggesting I applied for credit I did not seek, and misrepresenting my payment history. This is affecting my ability to obtain credit, employment, and housing opportunities. 

I am requesting that the CFPB investigate Experians repeated failure to remove or correct these inaccuracies, require them to delete the false information from my credit file, and ensure they adopt proper verification procedures to prevent this from happening again.

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 2025-08-08 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: GA

Complaint narrative:
On XX/XX/XXXX, I called TransUnion ( Ref # XXXX ) about a XXXX XXXX XXXX ( XXXX ) account being illegally reported on my credit profile. The account was previously disputed and deleted directly with XXXX XXXX, the original creditor, back on XX/XX/XXXX. 

Under FCRA 611 ( a ) ( 5 ) ( B ), once an account is deleted, it may not be reinserted unless the furnisher certifies its accuracy and the CRA provides written notice to the consumer within five business days. No such certification or notice was ever provided. 

PRA has never validated the debt despite multiple written requests ( FDCPA 809 ( b ), 15 U.S.C. 1692g ( b ) ), and therefore has no permissible purpose to access or report on my credit profile ( FCRA 604 ( a ), 15 U.S.C. 1681b ). Despite this, TransUnion has allowed PRA to pull my credit file nearly every day, which compounds the violation. 

When I raised these concerns on XXXX, a TU supervisor stated he was not trained on the law and was only trained on process. FCRA XXXX ( b ) requires CRAs to follow reasonable procedures to assure maximum possible accuracy, and XXXX v. TransUnion, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) confirms a CRA must do more than simply rely on a furnishers word. 

Experian has already deleted this same PRA account, which further proves it can not be validated and should not be reported.

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 2025-08-08 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: GA

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : XXXXXXXX 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 XXXX XXXX XXXX XXXX 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 2025-08-08 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: PA

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: MA

Complaint narrative:
I recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me great financial distress and im demanding proof of documentation showing permission consent with signature. Please help me in removing deleting these fraudulent accounts off of my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX $ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$7700.00} ; fraudulent inquiries off of my report : XXXX XXXX XX/XX/year>, XXXX XX/XX/year> 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 non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XX/XX/year>, I entered into a debt settlement agreement with XXXX XXXX XXXX to resolve a credit card balance I owed to JPMorgan Chase Bank. I was promised that XXXX XXXX would negotiate with creditors on my behalf and that I would make consistent monthly payments into a settlement account managed through XXXX. 

Since then, I have made regular monthly payments of approximately {$350.00}, in addition to other smaller fees and deposits. My client portal with XXXX shows a consistent payment history and an active ledger indicating that over {$2400.00} has been deposited to date. 

Despite these ongoing payments and no communication to the contrary, I was recently served with a court summons from JPMorgan Chase for nonpayment on this same credit card. This was shocking and distressing, as I believed XXXX XXXX XXXX was actively negotiating and managing this debt on my behalf. 

I immediately reached out to XXXX XXXX for clarification and assistance but have not received an adequate explanation or confirmation that any settlement efforts were ever made with JPMorgan Chase. 

I feel misled and financially vulnerable. I upheld my side of the agreement in good faith, yet I am now facing potential legal and financial consequences. I am requesting that the CFPB investigate this matter and ensure that XXXX XXXX XXXX is held accountable for any negligence or failure to act on my behalf in accordance with our agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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:
FCRA guidelines CLEARLY state that a company and or debtor must provide proof of debt within 7 business days or 5 cant remember which regardless. Ive disputed this negative collections and several others for not providing proof of debt. They investigate and say its resolved but yet they are resolving it based on there word of the collection agency they have nothing saying IVE received anything. 1 XXXX year or more Ive disputed this only collection account on my credit report have even noted that I have yet to receive proof of debt please remove and nothing ever XXXX happens. Another issue I have a so called charged off account thats on my report shows charged off yet the account was paid in full no deals no nothing they being the credit company put it in the notes. Im sorry but you cant have a charged off account that was paid for 2 days later the paperwork hasnt even been filed with the IRS at that point yet they continue to allow the negative hit with a note stay further hurting my credit since its still considered negative. XXXX that take that XXXX off and I dont care if you dont like the profanity Ive been fighting these XXXX  for 3 years and they always take the side of the debtor never the consumer all we get is 200 letters to explain our side and thats it they make a decision and close the case its XXXX  XXXX it XXXX everyones world up. 


XXXX XXXX XXXX REMOVE IT UNDER THE FCRA FOR NOT PROVIDING PROOF OF DEBT IMMEDIATELY FOR THE YEAR YOU HAVENT LISTENED. 


XXXX XXXX  was paid in full 2 days after they supposedly wrote it off I was in the XXXX hospital back and forth with the VA but you dont give XXXX XXXX just take the creditors side or debtors whoever yall know what the XXXX I mean. Tired of this XXXX why do we have laws if corporations and entities such as these XXXX get away with murder 3 years Ive disputed accounts cares ACT violations on a handful not following FCRA guidelines on all the rest. Yet no one does anything the supposed fine that i should be paid for the misrepresentation on my report as the FCRA says Ill never receive theyll make a change and then they wont answer anything instead they send a spreadsheet and how the XXXX am I supposed to know whats going on theres no description just whatever.

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