vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 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: CITIBANK, N.A.
State: FL

Complaint narrative:
In accordance with the fair credit reporting and convergent account # XXXX has violated my rights. 

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2025-09-09 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:
To Whom It XXXX Concern, I am writing to formally dispute the accuracy of certain information appearing on my credit report, as provided to me by your agency. The following account is fraudulent and was opened without my authorization or knowledge : XXXX XXXX XXXX Account XXXX XXXXXXXX Balance : {$120.00} Please keep in mind all charges on this account are fraudulent. I am requesting that this account and all related charges be removed in full. This account is the result of identity theft. I have never applied for or opened this account and have no contractual agreement with this creditor. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you immediately : Conduct a thorough investigation of this account. 
Remove this fraudulent account from my credit report. 
Send me an updated copy of my credit report showing these corrections. 
Enclosed are the following documents to support my dispute : A copy of my government-issued photo ID. 
Proof of my current address. 
A copy of my FTC Identity Theft Report confirming my claim. 
Please complete your investigation within the XXXX period allowed by law and confirm in writing that this account has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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:
To Whom It XXXX Concern, I am writing to formally dispute the accuracy of certain information appearing on my credit report, as provided to me by your agency. The following account is fraudulent and was opened without my authorization or knowledge : XXXX XXXX XXXX Account XXXX XXXXXXXX Balance : {$120.00} Please keep in mind all charges on this account are fraudulent. I am requesting that this account and all related charges be removed in full. This account is the result of identity theft. I have never applied for or opened this account and have no contractual agreement with this creditor. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you immediately : Conduct a thorough investigation of this account. 
Remove this fraudulent account from my credit report. 
Send me an updated copy of my credit report showing these corrections. 
Enclosed are the following documents to support my dispute : A copy of my government-issued photo ID. 
Proof of my current address. 
A copy of my FTC Identity Theft Report confirming my claim. 
Please complete your investigation within the XXXX period allowed by law and confirm in writing that this account has been removed.

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 2025-09-10 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I told all three credit bureaus that I havent received anything acknowledgment of this account. I sent letters in XXXX about this account

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 2025-09-10 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: EQUIFAX, INC.
State: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: WA

Complaint narrative:
This company vanilla prepaid gift card sells cards that aren't able to be used online and no where does it state that it can't be used online anywhere on the packaging I called them and they told me it cant be used online i have XXXX dollars sitting on this card I can't get my XXXX her birthday gift and this is the only money I have, i bought it on XX/XX/year> from my local grocery store I'm XXXX and can't get out to use the card at physical stores

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In XX/XX/XXXX, I opened a credit card with XXXX XXXX  ( XXXX ). In XX/XX/XXXX, I was told I had no delinquencies on a mailed letter. However, in XX/XX/XXXX XXXX reported a 30-day late payment to Experian even though I was never 30 days past due. On XX/XX/XXXX, a representative admitted on a recorded call that I was not 30 days late, that my late fee had been waived, and that the negative reporting occurred only because of their cycle-based reporting system. Despite this, the 30-day delinquency remains on my Experian file and has harmed my credit. 

On XX/XX/XXXX, I paid {$88.00} to bring my account current ( 29 days past due ). The next day, XX/XX/XXXX ( my due date ), I attempted to make another payment, but the XXXX app only allows one payment per week. Because of this restriction, I could not make a timely payment even though I had the funds available. I was forced to wait until XX/XX/XXXX, which caused another late fee and left me unfairly penalized. 

This practice functions as fee harvesting. XXXX has designed its product to generate revenue through unavoidable late fees rather than providing fair access to credit. By restricting consumers to one payment per week, the company effectively traps customers into delinquency, then profits from penalties and negative reporting. 

This conduct is inaccurate and misleading under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and CFPBs Furnisher Rule ( 12 C.F.R. 1022.4143 ). It also constitutes an unfair and deceptive practice under the Consumer Financial Protection Act ( 12 U.S.C. 5531 ).

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 2025-09-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) 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 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, 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 explanation
Consumer complaint received 2025-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) 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 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, 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 explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-09-10 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: VA

Complaint narrative:
I can not believe the inaccurate late payments are still appearing on my report today. I refreshed my browser thinking it might be an error, but it was not. This situation is causing me overwhelming frustration, and I need the documents I sent to be carefully verified immediately so I never have to face this 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 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: WA

Complaint narrative:
Ive never received notice of a debt and was never told what this is for. I do not believe it is my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
I am writing to you today because I have exhausted all other avenues in resolving a fraudulent charge on my account and have been deeply disappointed by my experience with your fraud department. 

On XX/XX/year>, I was a victim of a fraudulent website, XXXX, which is now completely shut down. The fraudulent charge of {$74.00} was reported to your team immediately, and I was assured a dispute would be investigated. 

Today, XX/XX/year>, my claim was rejected. Upon calling for clarification, I was met with a supervisor who spoke to me in an aggressive and disrespectful manner, refusing to help and placing blame on me. As a loyal Chase customer for many years, I was shocked and disheartened by this treatment. 

This situation is not a matter of a simple accidental purchase ; it is a clear case of fraud. I have already filed reports with the police and contacted XXXX and the domain host to have the site removed. I am requesting that you review my case and reverse this fraudulent charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: ALLY FINANCIAL INC.
State: WV

Complaint narrative:
Ally Finical. CFPB Complaint : XXXX If you look at the documents sent by Ally, a lot of those signatures are not mine or are missing. Every Signature looks different or says NA with looks like an adendemin below it. 
I need this account removed from my Credit due to inaccuracy. According to US Law, Forgiven or canceled debt : A lender may decide to forgive or settle the deficiency balance for less than the full amount. If the amount canceled is {$600.00} or more, the lender may issue a Form 1099-C, and the canceled debt is generally considered taxable income, which they did not do. Also, Notification requirement : Before the sale, the lender must send you a written notice that includes the sale details and tells you how to redeem the property. If the lender fails to provide proper notice, you may have a defense against a deficiency judgment. They did not give me notice that the document they sent you was the first I had ever seen. If your car has been repossessed, your lender generally charges a fee for picking it up. This fee, however, must be reasonable. 
Also with what constitutes reasonable is generally determined by a court and depends on the type of vehicle taken, how it was taken, and where it was taken. You can ask your lender to provide a list of the repossession costs. They submitted this to my vehicle insurance, which is hurting my insurance rate. 
I need this to be removed from my credit as it is hurting my XXXX XXXX with the military. I believe they have violated several laws and need to be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am responding to your communication regarding the alleged debt referenced above. This letter is a formal request made under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, for validation of this debt. Please provide me with the following information : The amount of the alleged debt, including an itemized breakdown of principal, interest, fees, and any other charges. 

Documentation that proves I am legally obligated to pay the debt. 

A copy of the original signed contract, agreement, or other evidence of my liability. 

Proof that you are licensed to collect debts in my state, including your license number and issuing authority. 

Until you provide this documentation, you must cease all collection activities, including reporting this debt to credit bureaus. Be advised that any attempt to collect without proper validation violates the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I don't agree with account listed below which still appears on my credit report, even after your investigation. I would like this account immediately re-investigated. These inaccuracies are highly injuries to my credit rating. 

furthermore, In accordance with the fair credit reporting act, public law 91-506, Title VI, Section 611, Subsection A_D, please provide the names and business address of each individual with whom you verified the above, so that I may follow up. 
Please forward me and updated credit report report after you have completed your investigation and corrections. 
Your cooperation and prompt attention are greatly appreciated. 




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 2025-09-10 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently saw my credit report and I noticed fraudulent accounts showing on my credit report. These accounts are not mine. Please immediately remove these accounts from my report.

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 2025-09-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief