vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I am disputing inaccurate information on my credit reports with Experian, TransUnion, and Equifax. My file contains an incorrect address ( XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ), multiple negative tradelines ( XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX ), and several unauthorized or unverifiable hard inquiries. The credit bureaus have not verified these items in compliance with the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and XXXX XXXX reporting standards. I request that all unverifiable information be deleted immediately and that my credit file be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: TX

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within XXXX ( XXXX ) business days of receipt. The disputed information involves a personal credit card account. 

These fraudulent accounts have led to multiple unauthorized XXXX  inquiries and false collection entries on my XXXX credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc.
State: PA

Complaint narrative:
This complaint is against cash app I have an account that I can not access because of my information being stolen and I had to get all my stuff replaced and I was having my paycheck deposited in my cash app account $ XXXX I provided the address linked to the account the pin was verified the email was verified that I have no access to anymore because the password was changed and Im being told that the system wont allow access

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: FL

Complaint narrative:
Im trying to contact experian to report fraud on my credit report. I am unable to get passed the XXXX automated service. Im wanting to talk to a human being because my case isnt the typical case and i dont want a fraud alert. I need to talk to a human being

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 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: AL

Complaint narrative:
I have filed several disputes with chime about some Unauthorized transactions were someone used my card information and personal information to make some Unauthorized transactions at XXXX XXXX XXXX an online game i have reached out to chime and the merchant about this situation. Every time i file an dispute with chime they send me a letter that stated no error and when i asked for the information they used between them and the merchant that determine no error they doesn't send me anything. All I ask that they return my money please. I have sent in all the information that they asked and chime still says no error and i know that's not true. Please help me. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute several inquiries on my credit report that I did not authorize. Upon reviewing my report, I found multiple inquiries from companies with which I have never applied for credit or granted permission to access my information. 
I have submitted dispute requests and provided supporting documentation, yet these inquiries remain on my report without resolution. These unauthorized entries are negatively affecting my XXXX XXXX and raise concerns about potential identity misuse or reporting errors. Despite my efforts to resolve this, the issue persists. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is inaccurate or fraudulent. I am requesting a full investigation to verify the origin and legitimacy of these inquiries.

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 2025-09-25 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: SC

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
Payment {$510.00} made XXXX Payment {$10000.00} XXXX - verified with customer service representative. Requested lowered APR and was denied. Requested account be closed. Customer support verified payment, account balance {$0.00} and paid in full. Account closed. 

Statement received XXXX - balance {$140.00}. Contacted Citi Bank again, and was told that these were residual interest charges. Requested a waiver due to the lack of transparent communication around residual interest. This was denied. 

understand that residual interest is a legally permissible practice, but I believe it is deceptive and predatory in nature, especially when : The issuer does not clearly disclose how or when residual interest is calculated ; The consumer takes every step to pay off the balance in good faith ; The remaining interest is minimal and requested to be waived as a one-time courtesy. 

This practice seems to take advantage of consumers good-faith efforts to pay off debt. It feels less like fair interest accrual and more like an engineered trap that is not adequately explained during the payment process.

I respectfully ask the CFPB to review the policies of Citi Strata regarding residual interest and investigate whether their practices align with the spirit of fair, transparent consumer credit. I also request that you compel them to offer clearer disclosures and to allow for a reasonable, one-time waiver of residual interest, especially for customers acting in good faith.

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 monetary relief
Consumer complaint received 2025-09-25 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: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/year> XXXX  XXXX Date : XX/XX/year>XXXX XXXX XXXX XXXX  Date : XX/XX/year> XXXX XXXX  Date : XX/XX/year> XXXX  Date : XX/XX/year> XXXX  Date : XX/XX/year> XXXX XXXX Date : XX/XX/year> XXXX XXXX Date : XX/XX/year>XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXXXXXX XXXX Date : XX/XX/year> ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$1200.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-25 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: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, XXXX  & TransUnion credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 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 2025-09-25 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 2025-09-25 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-09-25 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Due to a period of XXXX, I was unable to make timely payments on my credit card. It was a difficult time in my life, but Ive taken steps since then to rebuild and make things right. Im committed to addressing my past due balances and improving my financial habits.

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 2025-09-25 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: VA

Complaint narrative:
Due to a period of XXXX, I was unable to make timely payments on my credit card. It was a difficult time in my life, but Ive taken steps since then to rebuild and make things right. Im committed to addressing my past due balances and improving my financial habits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Synergetic Communication Inc
State: NJ

Complaint narrative:
I am filing this complaint concerning a debt collection matter with SYNCOM Collection Services, which claims to be collecting on behalf of XXXX XXXX XXXX 

Recently, I was contacted regarding an alleged debt tied to my XXXX account. I dispute the validity of this debt and request full validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ). I have not received adequate documentation showing that this debt is legitimate, accurate, or legally enforceable. 

Additionally, the closure of my XXXX account has prevented me from accessing or resolving this matter directly with the original creditor. I want to ensure that if this debt is verified and I pay it in good faith, my XXXX account will be reactivated without unnecessary delay. 

I request the following resolution : Written validation of the alleged debt, including account records, amount owed, and proof that SYNCOM has the legal right to collect on behalf of XXXX XXXX XXXX 
XXXX that no further collection activity or credit reporting will occur until proper validation has been provided. 

A clear statement from XXXX XXXX confirming that my account will be reactivated if and when the debt is verified and paid. 

Removal of any inaccurate or unvalidated reporting related to this matter. 

I am acting in good faith and want to resolve this issue fairly. However, I believe that I should not be expected to pay an absurd or unverified debt without proper documentation, nor should my account remain permanently closed if repayment occurs. 

Thank you for your assistance in reviewing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: GA

Complaint narrative:
I HAVE BEEN SUBMITTING REPORTS AND DISPUTE AND CALLING IN SINCE XXXX OF XXXX INTO XX/XX/XXXX. 


they have every dispute I have submitted online and over the phone in through the mail

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 2025-09-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: AmeriHome Mortgage Company, LLC
State: NV

Complaint narrative:
To Whom It May Concern, The reason I am requesting your intervention is because on XX/XX/XXXX of XXXX I sent Amerihome Mortgage a dispute regarding Covid Hardship Provisions that resulted in {$130000.00} in misleading costs associated with my mortgage. I received a follow-up phone call stating they had no timeline for resolution. I received a letter in the mail that stated there were modifications that could be made if I was having trouble paying my current mortgage, but nothing that addressed my concerns or request for remediation. This has been the only communication from Amerihome Mortgage on this matter. 

My understanding is that FHA loan documents, mortgage documents, and modifications to these agreements must be written at a level the general public can understand. In my scenario, I signed documents believing that a higher interest rate and grace period were being offered to me during significant hardship in life. The balance would be added to my loan balance. 
On my annual statement stating my pay off amount for the mortgage, the {$130000.00} was not listed. 

The pay-off statement requested by XXXX XXXX XXXX XXXX XXXX Mortgage XXXX and by me as a consumer, stated the amount on remaining on the mortgage was {$360000.00}. Nowhere in the documents was an additional {$130000.00} reflected. 

As a result, I paid a total of {$490000.00} on a mortgage that was originally taken out for {$350000.00} in XXXX of 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 2025-09-25 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated XXXX XXXX any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated XXXX XXXX unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such XXXX XXXX ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such XXXX XXXX ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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