vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX SSN : XXXX | DOB : XX/XX/XXXX Email : XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, XXXX  XXXX To Whom It May Concern, I am writing to formally dispute several items on my credit report as potentially fraudulent and to request their immediate removal under the Fair Credit Reporting Act ( FCRA ) and related federal consumer protection laws. 

On or about XX/XX/XXXX, XXXX XXXX XXXX XXXX that collects and stores sensitive consumer datasuffered a confirmed data breach, as filed with the XXXX  Attorney General 's Office. My full name, date of birth, Social Security number, driver license number, current and previous addresses, and other identifying data were part of the compromised information. 

Due to the extent of this breach, I have reason to believe that the following accounts and negative items on my credit report may be the result of identity theft, unauthorized access, or improper reporting. Therefore, I request the following : - XXXX XXXXXXXX {$2500.00} Charge-off - XXXX XXXX {$0.00} Charged-off XXXX transferred/sold ) - XXXX  {$1400.00} Charge-off - XXXX XXXX XXXXXXXX {$680.00} Charge-off - XXXX XXXX XXXXXXXX XXXX$1000.00} Collection account ( Comenity ) 1. Immediate reinvestigation of the accounts listed. 
XXXX. Removal of these items unless full verification can be produced showing I personally authorized and benefited from these debts. 
XXXX. Suspension or correction of any further adverse reporting related to these accounts. 
XXXX. Update me in writing on the progress and conclusion of your investigation. 

Please consider this notice a formal dispute and fraud-related identity theft alert. 

Enclosed : - Copy of my government-issued ID - Copy of the XXXX breach notification ( if available ) - Full credit report indicating disputed items Failure to comply XXXX result in additional legal and regulatory filings with the Consumer Financial Protection Bureau XXXX CFPB ), Federal Trade Commission XXXX FTC ), and my state attorney general. 

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 2025-07-02 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: NY

Complaint narrative:
I have been experiencing repeated issues with my Chime account where certain transactions are being charged twice. One charge usually falls off after a few days, but the funds from the pending duplicate transaction are never credited back to my account. This has happened multiple times on various transactions, affecting my available balance and causing financial stress.

I have contacted Chimes customer support several times regarding this issue, but their responses are unhelpful and scripted. I am told the funds will be returned automatically when the charge falls off, yet my balance does not reflect this adjustment. When I attempt to dispute these charges, the process is slow and lacks proper communication. 

As a consumer, I have a right to accurate account balances and timely refunds when funds are held or double-charged without authorization. The lack of a reliable resolution process has led me to file this formal complaint. 

The charges are XXXXXXXX XXXX XXXX. I was charged twice the second charge fell off and I never saw my money reflected back into my account. 
XXXXXXXX XXXX XXXX I was charged twice the second charge fell off and the money was never reflected back into my account. 
XXXX XXXX XXXXXXXX I was charged twice the second charge is still pending and I have the proof of the charges from this charge one charge has been put through while the other charge is still pending I am still waiting for that charge to fall off and to see my money reflect but I have a feeling I will not because I have to with the past two transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
So on Monday around XXXX PM Eastern time I went to Bank of America on XXXX XXXX XXXX in XXXX XXXX, New York There is no inside it is just an ATM location and I went to the location putting in {$1300.00} cash I put it in there because I had to pay my rent later that day and it never hit my account. I also clicked no receipt and I completed the It also showed up on my screen what I like to continue with the {$1300.00} total deposit and I clicked complete deposit I drove off and went to check my bank account because when you put money into the ATM, it hit your bank account right away but this time it didnt I now have been talking to XXXX different people at claim support and Bank XXXX XXXX customer service I have told them several times that I need to pay rent XXXX days ago, and I told them that my landlord is threatening me with eviction I am only XXXX XXXX XXXX and every single month I have always made rent and you guys are taking money from a young man that is about to have a child also My landlord is telling me that he is filing with his lawyers and this is going to cost me an incredible amount of money just because they never gave me my {$1300.00} XXXX day Now theyre causing me more damages because they never gave me my money and I dont know what Im going to do They need to go to that bank and count all the money and find the missing money because this is totally unacceptable and I am going to get kicked out of my house just because of Bank of America

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 2025-07-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Back in XXXX of XXXX  I purchased a bed from Mattress Firm located at the store in XXXX, LA for {$3600.00}. The sales rep informed me that their financing option would allow for the purchase to be financed through an online credit payment agency named Synchrony Bank. He showed me that my financing option would allow for 36 months with interest set at 0 % APR. I agreed to the financing option in principal. After paying my debt to Synchrony for 2 years never missing a payment and even paying ahead. On XXXX XX/XX/XXXX I contacted Synchrony because I received an email showing that my minimum monthly payment had increased. I wasn't able to log into my account on the app or online so I called to resolve the issue. I also asked for my account balance which reflected {$3400.00} in XX/XX/XXXX. In XX/XX/XXXX my statement was {$1300.00}. On XX/XX/XXXX Synchrony Bank added an interest charge of {$2000.00} to my account for apparently not paying off the total debt from my Mattress Firm purchase in 24 months. These were not terms I agreed to or shown when I financed the bed to begin with. After talking to multiple reps after being left on hold during multiple calls I was able to finally talk to a rep who told me there was no way to dispute the fraudulent interest added with Synchrony. The rep told me that it is an issue I had to take up with Mattress Firm since I purchased the products from them. That makes zero logical sense since Synchrony is the one receiving payments and controlling interest charges. Mattress Firm doesn't control financing that is why they outsource it to a third party financial institute. I was also informed this was an actual credit card to which I never agreed too, only online financing when talking to the rep. I never received a physical card from Synchrony or any agreements in the mail in the last two years as the sales rep informed me would come by mail. I want the fraudulent interest tacked onto my account removed by Synchrony effective immediately.

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 2025-07-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Ceaseanddesistasap.

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 2025-07-02 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: NC

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC XXXX, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated. 

This was clearly a billing error made my the company and is not a reflection of my payment experience. 

They are not in compliance with the following law. XXXX USC XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: GA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On XX/XX/year>, my ex wife was awarded the XXXX XXXX and all rights, plus financial responsibilities. Later, she was unable to pay the truck payment and did a voluntary repossession. Now, the balance of the repossession is {$9800.00} by Ally Financial, which is listed on my credit. I have a court order divorce stating that she completely owns the vehicle and I have no rights to get it. This was repossession was placed on my credit report and I have no claim or was able to prevent this from happening. This is truly hurtful and unacceptable especially since this was designated through court and accepted by the all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXXXXXX TX XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: SC

Complaint narrative:
I, XXXX XXXX XXXX, am physically submitting this new formal complaint against Equifax for failing to remove unauthorized hard inquiries in violation of the Fair Credit Reporting Act ( FCRA ). This complaint follows Equifaxs inadequate response to my previous dispute filed under CFPB case # XXXX. 
Specifically, Equifax continues to report hard inquiries from XXXX XXXX and XXXX XXXX XXXX which I did not authorize, and which lack any documented permissible purpose. These inquiries were disputed under my original claim, and Equifax responded with a generic refusal to remove them, citing that all inquiries are factual records. This response is both misleading and noncompliant with federal law. 
Under FCRA 1681b ( a ), a consumer reporting agency may only allow access to a credit file when there is a clearly defined permissible purpose. These inquiries were not authorized by me and no contractual relationship or application can be substantiated. Additionally, FCRA 1681i ( a ) ( 5 ) mandates that any disputed item that can not be verified must be deleted. To date, Equifax has failed to provide any documentation proving I granted consent for these inquiries, nor have they shown evidence of permissible purpose. 
Equifaxs refusal to delete unverifiable inquiries is a willful violation of both the FCRA and consumer protection standards. The failure to reinvestigate or provide documentation constitutes negligent compliance at best and intentional avoidance at worst. 
I am demanding that the CFPB compel Equifax to : Immediately delete the unauthorized hard inquiries from XXXX XXXX and XXXX XXXX XXXX 
Provide written verification of the original documentation and permissible purpose used to justify the reporting of these inquiries. 
Should Equifax continue to refuse lawful correction, I will escalate this matter to the Federal Trade Commission, the State Attorney General, and initiate civil litigation under FCRA 1681n and 1681o for willful and negligent noncompliance. 
All relevant documents, including Equifaxs previous response and supporting evidence, are attached for review. I am requesting immediate regulatory intervention to ensure these unauthorized inquiries are removed in accordance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: NC

Complaint narrative:
I am disputing a 30-day late payment reported on my mortgage account with XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) in late XXXX. I made my payment on XX/XX/year>, which was within the grace period and should not have been marked late. XXXX claimed the payment was posted late due to the holiday, but that is not a valid reason for reporting a delinquency. 

More importantly, there are inconsistencies across the credit bureaus : - XXXX XXXXeports the late payment in XX/XX/year>. 

- TransUnion reports it in XX/XX/year>. 

XXXX XXXX XXXXhows no delinquency at all for that period. 

This conflicting data further proves that this was not a legitimate delinquency and should be corrected. 

I have also attached proof showing that the payment was made on time.

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 2025-07-02 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: NC

Complaint narrative:
I am disputing a 30-day late payment reported on my mortgage account with XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) in latXXXX XXXX. I made my payment on XX/XX/year>, which was within the grace period and should not have been marked late. XXXX claimed the payment was posted late due to the holiday, but that is not a valid reason for reporting a delinquency. 

More importantly, there are inconsistencies across the credit bureaus : - XXXX  reports the late payment in XX/XX/year>. 

XXXX XXXX reports it in XX/XX/year>. 

- Equifax shows no delinquency at all for that period. 

This conflicting data further proves that this was not a legitimate delinquency and should be corrected. 

I have also attached proof showing that the payment was made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: NC

Complaint narrative:
I am disputing a 30-day late payment reported on my mortgage account with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) in laXXXX XXXX I made my payment on XX/XX/year>, which was within the grace period and should not have been marked late. XXXX claimed the payment was posted late due to the holiday, but that is not a valid reason for reporting a delinquency. 

More importantly, there are inconsistencies across the credit bureaus : - Experian reports the late payment in XX/XX/year>. 

- XXXX reports it in XX/XX/year>. 

- XXXX shows no delinquency at all for that period. 

This conflicting data further proves that this was not a legitimate delinquency and should be corrected. 

I have also attached proof showing that the payment was made on time.

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 2025-07-02 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am XXXX XXXX, ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists these accounts Account opened at XXXX  XXXX, dating back to XX/XX/XXXXXXXX  and another dating back to XX/XX/XXXX Account number ( XXXX ) Credit Cards XXXX  Accounts on XX/XX/XXXX Account number ( XXXX ) a secured loan XXXX  Accounts on XX/XX/XXXX Account number ( XXXX ) a secured loan XXXX  Accounts on XXXX/XXXX/XXXX Account number ( XXXX ) a secured loan These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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