vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX account number : # XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) account number : # XXXX, XXXX  XXXX account number : # XXXX XXXX XXXX account number : # XXXX Has violated my rights. 



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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 seven years.

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


Sent from XXXX XXXX  for 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 2025-09-15 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX account number : # XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) account number : # XXXX, XXXX  XXXX account number : # XXXX XXXX XXXX account number : # XXXX Has violated my rights. 



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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 seven years.

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


Sent from XXXX XXXX  for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: AZ

Complaint narrative:
The lease buyout payment has been made per agreement sent but has not been processed and title has not been released

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 2025-09-14 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: CA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC locked me out of my account. After I opened an account with them and my university deposited my student loan refund, they now claim I no longer have an account with them. My username doesnt work so XXXX cant log in and my debit card doesnt work. They stole my money. Then they refuse to answer my calls. They wont send me any information they promised by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: IL

Complaint narrative:
I am disputing inaccurate and unauthorized accounts that are being reported on my credit file. I did not open or authorize these accounts, and I was never notified of their addition. The information being reported is also inconsistent across the three major credit bureaus. This violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to ensure maximum possible accuracy, and 15 U.S.C. 1681i, which requires disputed information to be investigated and corrected or removed within 30 days. I have submitted supporting documents verifying my identity and demonstrating that these accounts are inaccurate and unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: NC

Complaint narrative:
I am disputing the accuracy and completeness of the Portfolio Recovery Associates ( PRA ) collection tradeline on my credit file.

Please conduct a reinvestigation as required under the Fair Credit Reporting Act ( FCRA ). 

Account in Dispute Creditor/Collector : Portfolio Recovery Associates Original Creditor : XXXX XXXX Account Number : XXXX Reported Balance : {$410.00} Status : Collection account Date Opened : XX/XX/XXXX Specific Errors & Legal Concerns Unverified Debt & Ownership No evidence has been provided proving I owe this debt or that PRA is the legal owner/assignee.

FCRA 623 ( a ) ( 1 ) ( A ) forbids reporting unverifiable information.

FDCPA 809 ( b ) requires validation of the debt upon request before reporting or collecting. 

Inconsistent Status Updates Status shows Updated XXXX XXXX but the collection entries extend from XXXX XXXX. 

Inconsistent and missing monthly reporting violates FCRA XXXX ( b ), which requires maximum possible accuracy. 

Improper Date of First Delinquency ( DOFD ) Purge date is listed as XXXX XXXX but no documented DOFD is shown from the original creditor. 

Without a verified XXXX, the XXXX reporting period can not be lawfully established. 

FCRA XXXX ( a ) ( XXXX ) requires accurate XXXX reporting. 

Repeated Consumer Disagrees Updates Your records note multiple disputes where consumer disagrees without evidence of a proper reinvestigation.

FCRA 611 ( a ) mandates a reasonable reinvestigation and disclosure of the method of verification.

Possible Lack of Permissible Purpose If PRA has not demonstrated a valid assignment or written agreement from XXXX XXXX, continued reporting may violate FCRA 604 ( a ).

Requested Action Pursuant to FCRA 611 ( a ), 607 ( b ), 623 ( a ) and FDCPA 809 ( b ), I request that you : Conduct a thorough reinvestigation of all discrepancies listed.

Provide the method of verification, including the na
me, address, and phone number of the furnisher and documentation used to verify this debt.

Delete this tradeline if Portfolio Recovery Associates can not fully substantiate the debt and its authority to report it.

Please provide a written response and an updated credit report within 30 days as required by the FCRA. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: DE

Complaint narrative:
I submitted a sworn FTC Identity Theft Report No. XXXX ( XX/XX/year>2025 ) with ID and identified fraudulent items. Under FCRA 605B, TransUnion was required to block within 4 business daysno later than XX/XX/year>2025. TransUnion refused, citing vague history of payments/prior disputes without documented good-faith evidence required by 605B ( b ) ( 3 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: DE

Complaint narrative:
I submitted a sworn FTC Identity Theft Report No. XXXX ( XX/XX/year>2025 ) with ID and identified fraudulent items. Under FCRA 605B, TransUnion was required to block within 4 business daysno later than XX/XX/year>2025. TransUnion refused, citing vague history of payments/prior disputes without documented good-faith evidence required by 605B ( b ) ( 3 ).

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 2025-09-15 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: NC

Complaint narrative:
I am writing to request unauthorized credit inquiries on my TRANSUNION Credit Report. My latest credit report shows XXXX  credit inquiries that I did not authorize.

I am writing to dispute the following inquiries and asking for their removal from my credit report. 
INQUIRY ACCOUNT NAME : XXXX XXXX  DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX  XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX  DATE : 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 non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I wanted to redeem " thank you '' reward points under the promotion ending on XX/XX/year> at XXXX. Per the email, there was a sale so the points redemption for certain gift cards is more than XXXX points to {$1.00}. I called the Thank You line and the gift card was redeemed without my permission via the automated voice system. I said " no '' when the system prompted me to confirm redeeming the card. The " cost '' of the gift card was not the promotional value I received via email. I has tried to redeem points during a promo a while back and experienced the same discrepancy. 

I have not been able to a hold of anyone to resolve the issue. Also, the checking account offers these points but there seems to no longer be an option to redeem the checking account points. There is only an option to redeem credit card reward points. I have two checking accounts at Citi, each with a different amount of points that can not be combined.

My " relationship manager '' has also been unhelpful, directing me to the same phone number, which does not seem to work. At one point, it was stuck in a loop alternating between voice command and keypad mode. 

I am sorry to write about such a small issue but I feel that Citi has behaved in a deceptive manner. It has given me no recourse to have my issue addressed nor to file a complaint. I do not believe that consumers should have to deal with such practices. I also feel strongly that consumers should be aware of Citi 's behavior when choosing where to bank.

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 2025-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: IL

Complaint narrative:
I had funds transferred from my debit card into my Current Bank Account. On XXXX a hold was placed on my funds of {$2200.00} for a review. Current Bank requested documents ( drivers license, a picture of me holding the drivers license, bank statements for both banks that are on my account ) and I submitted them on XXXX submitted I was informed that the review would take 1-3 business days per the guidelines stated in an email ( see attached ) its been more than 1-3 business days and I have yet received any review results or my funds been released. Ive tried contacting them via email and phone and now Im being told that the review may take up to 60days which is not in the agreement or their guidelines. Im requesting an investigation into this matter and for my funds to be released because my rights as a consumer have been violated

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Care Credit is participating in predatory billing practices. Multiple times my account was assessed interest during a promotional billing period. After making my final payment on my account, verifying the payment amount with a customer service representative and receiving a XXXX balance notice Care Credit has billed me again for {$7.00}. Charged me {$21.00} in XXXX {$14.00} in XXXX and XXXX in XXXX. I'm simply tired of calling Care Credit to fix my account and giving me the run around.

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 2025-09-14 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX ( Original Creditor : XXXX XXXX  BANK ) account number : # XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ), account number : # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) : account number : # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX BANK ), account number : # XXXX XXXX XXXX XXXX account number # XXXX XXXX XXXXXXXX account number # XXXX XXXX  XXXX account number # XXXX XXXX XXXX XXXX account number # XXXX XXXX account number # XXXX Has violated my rights. 



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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 seven years.

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

Company 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 2025-09-14 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX ( Original Creditor : XXXX XXXX  BANK ) account number : # XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ), account number : # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) : account number : # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX BANK ), account number : # XXXX XXXX XXXX XXXX account number # XXXX XXXX XXXXXXXX account number # XXXX XXXX  XXXX account number # XXXX XXXX XXXX XXXX account number # XXXX XXXX account number # XXXX Has violated my rights. 



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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XX/XX/year> my banking relationship ended with XXXX XXXX XXXX. I have been complaining about this department for months and months. I spoke with a supervisor who told me that he was going to make sure my account stay restricted and would close in 10 business days after I refuse to comply with his demands for me to call XXXX XXXX on three way with the payee of the check that was endorsed over to me. The whole week of XX/XX/year> Chase Fraud Department harassed me and the payee about the verification of the check everything check out matter of fact it check 3 to 4 times leaving me and the payee mental drain, homeless, and depressed from the the hardship that the closure of the account that left me without lights and a eviction notice that caused me to be kicked out on the streets. This has cost me to seek professional assistance due to my mental health I have tried multiple times to kill myself. I was volatile of my human rights I am currently dealing with XXXX because of my living condition. I know from a inside source that they didn't have a reason on listed why the account was closed. Due to my hardship emotionally and physically suffering and the violations of my rights feeling bullied the XXXX and living situation Chase Bank has caused me I'm asking too settle without legal assistance with this matter. I am asking that we can agree on a settlement for what I have been through. If we cant come to agreement I will take this to the media and gather up the phone calls my complaint my medical records and my proof of me as a XXXX XXXX XXXX senior throwing out on the streets to seek the maximum settlement and every major newspaper and news stations will have my story. Nothing is being investigated about the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I contacted yall a few days ago to dispute late payments added after the account was closed which under FCRA rules is against the law and lets face it Synchrony thinks its above the law to report anything like late payments after the account is closed. And they just pushed all of my late payments forward. To where they added that the account was closed in XXXX and they added the late payment. XXXX was late a month after closure. XXXX was late 2 months after closure and XXXX was late 3 months after closure. When my credit profile originally said XXXX, XXXX, XXXX and XXXX was late. At this point they keep screwing me im about to file a lawsuit over it. My credit just took a hit from them moving that late payment forward one month. Im trying to do this peacefully. But if yall want to intentionally keep screwing me theres no other option but to sue over the false information.

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 2025-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
They are charging me a XXXX yearly fee to have the card and now they want XXXX a month to be able to access the account on my cell phone. I told them fine I wont just the app any more they then Told me that the fee is mandatory if I use the app or not. XXXX to have access to an app regardless if I use it.

Company response to consumer: Closed with explanation