vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I made a transaction of {$61.00}, which had a balance of {$31.00}, and it caused an overdraft of {$30.00}. The bank should have charged me a {$35.00} fee, but instead generated XXXX  overdraft charges of {$35.00} each. I called the bank, and they refuse to resolve the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-02 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: AZ

Complaint narrative:
I am submitting this report to dispute inaccuracies on my credit report. Equifax has acknowledged a system failure that led to my personal information being compromised and misused. Ive encountered credit denials because of this, and Im requesting that it be resolved within four business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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 writing to contest inaccurate information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681c-2 and 15 U.S.C. 1681e ( b ), and to formally request the blocking and removal of this erroneous data.

Enclosed is a copy of my Police Report / FTC Identity Theft Report as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of a valid identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as resulting from identity theft within FOUR ( 4 ) business days. 

I am writing to notify you that I have been a victim of identity theft. I have contacted the Federal Trade Commission and filed an official complaint, which is included with this letter. My credit report currently contains fraudulent ACCOUNTS and INQUIRIES that do not belong to me and were not authorized by me in any way. 

All required documentation is enclosed in this packet, and copies have been sent to your agency via Certified Mail and fax for your prompt review. 

In addition, I am disputing the accuracy of the XXXX ( XXXX XXXX XXXX XXXXXXXX. ) account, which is being reported with inconsistent and conflicting information. This inaccurate reporting demonstrates a failure to follow reasonable procedures to assure maximum possible accuracy of information, as required under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act. 

I am therefore requesting the immediate removal and permanent blocking of the following fraudulent ACCOUNTS and INQUIRIES from my credit report : ACCOUNTS : XXXXXXXX XXXX XXXXXXXX ( Reported on Experian ) XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( Reported on Equifax ) XXXX XXXX XXXX XXXX XXXX ( Reported on Equifax ) INQUIRIES : XXXX XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/year> ( Reported on Equifax XXXX Please complete your investigation and confirm in writing that these fraudulent accounts and inquiries have been blocked or removed, in compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
To whom it may concern, I am writing to dispute a fraudulent account/transaction that is appearing on my credit report. This incident occurred around XXXX, when my phone was stolen at XXXX XXXX in XXXX, XXXX Inside my phone case were my debit card and drivers license. 

Immediately after the theft, I contacted XXXX XXXX and my bank to report the incident and file a claim. Despite providing evidence that the transaction in question was not mine, my claim was denied. Around this same time, I also experienced the loss of my mother, which significantly impacted my mental health and contributed to delays in following up on the matter. 

I believe Navy Federal Credit Union did not conduct a proper investigation. A large fraudulent transaction was made at XXXX, and when I followed up directly with the store, an employee informed me that a white male in his XXXX used a females card while pretending to speak to his girlfriend on the phone to obtain information. This further confirms that I was a victim of theft and fraud. 

I acknowledge that filing a police report at the time may have strengthened my case, but due to the circumstances and personal hardships I was facing, I was unable to complete all steps promptly. Nevertheless, the charges are clearly fraudulent, and I should not be held responsible for them. 

I have always taken responsibility for my legitimate financial obligations. However, I can not and will not accept liability for a fraudulent charge that I did not make. This situation is now unfairly impacting my credit, and I am requesting that this fraudulent item be removed from my credit report. 

Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: CA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX Credit Acceptance XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX Re XXXX Voluntary Repossession Goodwill Removal Request Dear Credit Acceptance XXXX , I hope you are doing well. I am writing regarding a voluntary repossession account I had with your company. I appreciate the services you provide and the relationship Ive built with your organization. 

I would like to kindly request a goodwill adjustment to remove the voluntary repossession reported on XX/XX/XXXX from my credit report. The debt associated with this account has been paid and settled, the account was closed on XX/XX/XXXX, and my last payment was made in XX/XX/XXXX. 

Because this item continues to negatively impact my credit profile, I am respectfully requesting that it be removed as a gesture of goodwill. Removing this item would greatly help me as I work toward improving my financial standing, and I remain committed to maintaining a responsible relationship with Credit Acceptance XXXX. 

Thank you very much for your time and consideration. I sincerely appreciate any assistance you may be able to provide. 

Sincerely, 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 2025-12-02 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
JPMCB CARD Address XXXX XXXX XXXX XXXX, XXXX  XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX and XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX  XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX  XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX and XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

SYNCB/AMAZON XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on 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 explanation
Consumer complaint received 2025-12-03 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: NJ

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681c-2 and 15 U.S.C. 1681e ( b ), and to formally request the blocking and removal of this erroneous data.

Enclosed is a copy of my Police Report / FTC Identity Theft Report as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of a valid identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as resulting from identity theft within FOUR ( 4 ) business days. 

I am writing to notify you that I have been a victim of identity theft. I have contacted the Federal Trade Commission and filed an official complaint, which is included with this letter. My credit report currently contains fraudulent ACCOUNTS and INQUIRIES that do not belong to me and were not authorized by me in any way. 

All required documentation is enclosed in this packet, and copies have been sent to your agency via Certified Mail and fax for your prompt review. 

In addition, I am disputing the accuracy of the XXXX ( XXXX XXXX XXXX XXXXXXXX. ) account, which is being reported with inconsistent and conflicting information. This inaccurate reporting demonstrates a failure to follow reasonable procedures to assure maximum possible accuracy of information, as required under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act. 

I am therefore requesting the immediate removal and permanent blocking of the following fraudulent ACCOUNTS and INQUIRIES from my credit report : ACCOUNTS : XXXXXXXX XXXX XXXXXXXX ( Reported on Experian ) XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( Reported on Equifax ) XXXX XXXX XXXX XXXX XXXX ( Reported on Equifax ) INQUIRIES : XXXX XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/year> ( Reported on Equifax XXXX Please complete your investigation and confirm in writing that these fraudulent accounts and inquiries have been blocked or removed, in compliance with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I made a payment in full and closed the account in XX/XX/year>. They charged a late fee for a day late and interest on top of interest from then on until present date XX/XX/year>. 
I called and told that they are charging interest on payment already made. They didnt want to acknowledge or work with me other then charge a late feet with added fee from that late fee. 
I been a good customer with this company and there are out of order with these fees. I want this company to stop charges on compound fees and interest, when I already paid for my account and closed it. Its affecting my credit and my life hood for a decent life.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: CA

Complaint narrative:
I have became a victim of identity theft. I contacted the Federal Trade Commission and The Attorney State General. I filed FTC and SAG complaints. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship. I will be following up with your agency to assure everything is being done to remove these fraudulent accounts from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: VA

Complaint narrative:
On XX/XX/XXXX a transaction was made to a merchant ( XXXX XXXX ) in error through my Chime checking account. I spoke to customer service and a supervisor who said they can not reverse the transaction. They requested I have merchant call them to discuss their account with them. After several calls with different representatives the merchant and I were left without a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: NJ

Complaint narrative:
Equifax Reinsertion, Inaccurate Reporting, and Failure to Maintain Maximum Accuracy ( Submitted XX/XX/year> ) This submission provides new evidence showing Equifax continues to : Reinsert deleted accounts ( XXXX and XXXX XXXX ) without : Required furnisher certification Required XXXX reinsertion notice Violating FCRA 611 ( a ) ( 5 ) ( B ). 

Modify and reclassify remarks and account statuses between XXXX XXXX XXXX XXXX, including : Added : Consumer disputes reinvestigation in progress Added : Consumer disputes after resolution Removed : Account previously in dispute resolved by data furnisher Removed : Charged off account These inconsistencies indicate Equifax does not have verified records. 

Maintain incorrect addresses on file even after creditors removed them from their systems. 
Experian claims they are tied to accounts, but creditors confirmed they removed these addresses. This violates : FCRA 607 ( b ) FCRA 609 ( a ) Furnish conflicting dates, balances, and XXXX across XXXX for XXXX, XXXX XXXX, and XXXX. 

XXXX XXXX remark removal on XX/XX/year> clearly indicates prior verification was invalid. 

Requested Resolution : Permanent deletion of XXXXXXXX XXXX reinsertion Permanent deletion of XXXX XXXX reinsertion Correction of XXXX inconsistencies Removal of inaccurate addresses Full Method of Verification ACDV XXXXudit trail for each account All XXXX XXXX XXXX stored and furnished

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: CA

Complaint narrative:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation