vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-10 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:
TransUnion you have allowed XXXX XXXX  to report inaccurate information to my credit file which is a violation per 15 USC 1681. I want this account removed immediately and I'm in the process of obtaining an attorney for this intentionally wrong doing. Please remove immediately and there is a letter attached as well

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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My checking account was frozen due to suspicious activity, which prevented me from making a timely payment to my XXXX credit card. I contacted the bank immediately and explained the situation. A bank agent acknowledged my hardship and assisted me in getting the delinquencies removed from my credit report. 

I also received an official letter from XXXX Bank stating that they would collect the payment but would not report the missed payment. Despite this assurance, the late fees were never waived, and the terms of that letter were not fully honored. 

I have made multiple attempts to resolve this with the bank, including in-person visits and follow-up requests, but the late fees remain, and the issue persists. I am requesting CFPBs assistance in having these late fees removed, as I acted in good faith under difficult circumstances and based on the banks own written assurances. 


i have attached the snippets of the email that was sent by the trust bank requiring review of the check amount of {$2400.00} that turned out fradulant and they freeze my account which didn't let me pay my balance on credit card I have also attached the screenshot of the conversation I had with one of the member of the service representative that wasn't fulfilled

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 2025-05-10 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: LA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: TX

Complaint narrative:
I am a victim of identity theft and human trafficking. I submitted the required FTC Identity Theft Report and supporting documents to Equifax to have fraudulent accounts removed from my credit report. Equifax acknowledged the report and blocked my profile due to identity theft but continues to verify fraudulent accounts with lenders. Despite providing the necessary documentation, Equifax has refused to remove these accounts, stating the FTC report is invalid, which contradicts their prior acknowledgment of it. This has caused financial harm and emotional distress, as these fraudulent accounts are still being reported on my credit file. 
XXXX XXXXXXXX XXXX opened on XX/XX/year> and a balance of {$3900.00} XXXX XXXX XXXX, I opened on XX/XX/year> and a balance of {$8800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: LA

Complaint narrative:
Experian and XXXX  has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and XXXX alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and XXXX  has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and XXXX  inaction violates federal law and my rights as a consumer.

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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Let me be absolutely clear the information you're reporting on my credit file is wrong. The tradeline in question is not being reported with the maximum level of accuracy, which you're legally required to uphold under the Fair Credit Reporting Act. This isnt just a clerical issue its a violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: SC

Complaint narrative:
I was scammed and I filed a police report and they still want to deny my dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I opened up my email late last night to see XXXX emails from Chase it look like fraudulent type of stuff. Somebody went into my plaid account and removed all the companies from their and change my phone number for XXXX when I tried to login in the Chase to check my balance my account was restricted. I called the XXXX number and a rep told me that the account was being closed by Chase and they cant give any more information and that I have to wait to receive my funds that are in the account XXXX to 14 days. I just got paid today and I have XXXX money or cash. I have bills due. I went into a local branch and they said theres nothing they could do and that I just have to wait out the process. I am just asking to withdraw my funds that I have in there if Chase doesnt want me as a customer thats fine but I need my balance thats in the account. Its obvious that there was fraudulent things happening on my account and not on my behalf. I dont feel I should be the one punished for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am submitting this formal complaint concerning a debt collection entry being reported on my credit file that I believe violates the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ). I have exercised my right to request validation of the alleged debt from the collector, including the original agreement and a detailed breakdown of the amount claimed. However, I have not received the legally required documentation to validate the debt, nor proof that the collector is authorized to collect it. Under 809 of the FDCPA ( 15 U.S.C. 1692g ), I am entitled to such verification upon request. Furthermore, the continued reporting of this unverified debt to credit bureaus may constitute inaccurate reporting, which is prohibited by 623 of the FCRA. A data furnisher must ensure all information reported is complete and accurate, and must correct or delete inaccurate, incomplete, or unverifiable information in a timely manner. I respectfully request that the CFPB investigate this matter to ensure that my consumer rights are protected. Any collection activity or credit reporting without full validation of the alleged debt should be addressed in accordance with the law. Please confirm receipt of this complaint and notify me of the outcome of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I purchased a mattress at Mattress Firm at XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX in XX/XX/year>. I was told in person by the young male sales associate that there was a promotion with Synchrony Bank and that there were no interest fees, as long as I set up auto-pay and do not miss a payment. Since that time, I have had a monthly auto-payment which has always been paid on time, but suddenly I was charged over {$2000.00} in interest because apparently there was a 2 year deadline to pay off the mattress. This is absolutely ridiculous, as I specifically asked the sales associate about interest to which he reiterated, as long as I am set up on autopay I would be fine. I have never missed a CC payment in my life, and I wish I never got this card because clearly the sales associate was not made aware of the more specific details relating to the promotion, and should not be misinforming customers like myself. My interest payment is substantially more money than the balance I had left to pay off. Please help me with this, it is not fair.

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 2025-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Enterprise Systems, Inc.
State: NC

Complaint narrative:
National Enterprise System continues harassment without being able to verify the debt. I requested that the debt be verified and a full account breakdown be provided several times via email. ( Please see attached ). The first email was sent on XX/XX/year>, and the second was sent on XX/XX/year>. To this day, the National Enterprise System has not been able to verify the debt. They also engaged in harassing behaviour, repeatedly calling and demanding repayment. This is also a cease and desist notification. If you can not provide documentation and proof of debt owed, I will consider filing harassment charges. Also, as I am disputing the debt, you must cease all communication and reporting to my credit report unless you can provide proof that the debt is owed.

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 2025-05-10 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Unexpected fees — 
Company: Advance America, Cash Advance Centers, Inc.
State: MO

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 is my understanding that you will investigate these items for me to ensure accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: IA

Complaint narrative:
I have had two employer-issued U.S. Bank Focus cards from XXXX XXXX XXXX XX/XX/year>. Despite many attempts, both online and on the U.S. Bank XXXX app, I was never able to activate or access the first card in any way. Customer service representatives assured me repeatedly that I wasnt through an initial waiting period and that my card would work in XXXX hours. Every time I called, they told me it would be an additional XXXX hours because I still had not waited long enough after my most recently logged phone call. My employer ultimately cancelled the first card on their end and reissued me a new on XX/XX/year>. I waited the requisite XXXX hours before attempting to activate or log in to the new card. Again, I was unable to access the card and contacted customer service. XXXX representative told me my card was already activated and hung up on me. Another sent me an email with a log in code that did not work. Another told me to uninstall and reinstall the app. Another told me to use a different internet browser. Another told me they were escalating my complaint and it would be resolved within XXXX business days. After XXXX business days, I called back again on XX/XX/year> and they told me my complaint had not in fact been escalated but they would do that and I needed to wait XXXX more business days. I called again on XX/XX/year> and was told my complaint had not been escalated but they would backdate it and someone would contact me XX/XX/year>. I called today, XX/XX/year> and spoke with a supervisor who told me my complaint wasnt escalated until XX/XX/year> and they technically had XXXX business days to resolve the issue by XX/XX/year>. I still cant log into my payroll account from a job I started a month ago.

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 2025-05-10 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: CBC Companies, Inc.
State: VA

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately.

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by TRANSUNION, Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency TRANSUNION, block the information appearing in my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 

I do not recognize the accounts mentioned as reported. The accounts mentioned above in my consumer credit report that you maintain were not opened, created, or initiated by me. The accounts mentioned above are the result of identity theft and fraud. 
I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). These accounts must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly. 
Thank you for your prompt attention to this matter. 

ACCOUNT : 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 2025-05-10 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-05-10 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: FL

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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