vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 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: FL

Complaint narrative:
I am a victim of identity theft and did not authorize or make the disputed charges. I respectfully request that these charges be removed from my account.

Pursuant to 18 U.S.C. 8, I owe no debt related to these transactions. Additionally, this company is violating my consumer rights to privacy under 15 U.S.C. 1681b ( 2 ). Furthermore, the company does not have my permission to report any information using my personal details, as outlined in 15 U.S.C. 1681 ( 4 ). 

I trust you will take immediate action to resolve this matter in compliance with the law. Thank you for your attention.

To Whom this may concern, I am not responsible of those accounts. I am a victim of ID theft. People have use my information to open them and also make fraudulent activities. 


I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. 

I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.

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 2025-08-05 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: SC

Complaint narrative:
I do not possess a contract with the company, nor did I give my consent for them to access my personal information. This unauthorized retrieval of my data constitutes a violation of my privacy rights, specifically under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). These laws are designed to protect consumers like myself from invasive practices, and the companys actions in this instance have disregarded those protections.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals.

The following fraudulent accounts and inquiries have been identified as a result of this breach : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$930.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : 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 Equifax 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 of a personal credit card account opened at XXXX on XXXX under the account number XXXX, an auto loan account opened at XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX XXXX account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$1100.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the 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 # ( private case number ) 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
Consumer complaint received 2025-08-05 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: AL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I was charged an annual fee by American Express just before my statement closed. I downgraded the card a few days later, and the fee was reversed. However, the minimum payment due still includes the annual fee even though I no longer owe it. 

I requested Amex adjust the minimum due or reissue the statement to reflect the reversal, but they refused, stating its not possible, even though I know other customers have had minimum payments adjusted in similar cases.

Im being told to pay a minimum amount that includes a charge I dont owe. This is misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Coinbase has stopped my ability to purchase cryptocurrencies after I made a complaint of possible fraud. I do understand that they have to investigate but blocking me from making further transactions appears to be discriminatory and unfair. I still have personal business aside from the issue I complained about Coinbase operates as a bank for virtual currencies. Stopping me from making further transactions on such a widely used platform without due process is unethical and possibly illegal. Telling me that flagging my account as a risk control is not sufficient.. They are not the ones who lost money. I am the one trying to recover my funds that were stolen not them. Blaming and punishing a victim for making a complaint is illegal and can be construed as retaliation from the perspective of the consumer. Is Coinbase working with the company that defrauded me? It may appear so being that my account was restricted after my complaint was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is refusing to comply with my rights under FCRA 605B. I provided a valid identity theft report, police report, and request to block the account grow financial credit union, claiming that prior verification from the overrides my identity theft report. This violates 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 2025-08-05 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: MA

Complaint narrative:
I found multiple inconsistencies in my credit reports across all three bureaus involving accounts with incorrect dates, status conflicts, and unverifiable charge-offs. Despite being closed or paid, they are still reported as derogatory. I submitted disputes with no resolution or documentation. Please investigate and ensure accuracy under the FCRA and Metro 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: MA

Complaint narrative:
I found multiple inconsistencies in my credit reports across all three bureaus involving accounts with incorrect dates, status conflicts, and unverifiable charge-offs. Despite being closed or paid, they are still reported as derogatory. I submitted disputes with no resolution or documentation. Please investigate and ensure accuracy under the FCRA and Metro 2.

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 2025-08-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
XX/XX/XXXX we had contacted Synchrony bank about our account being hacked. We spent the last XXXX years in Florida and and our account was hacked 4 times. The last time we were hacked for XXXX plane tickets. We contacted Synchrony immediately. We then contacted Synchrony every month and typically spent hours on the phone with them over the balance. We have been told so may stories about our account it would take a small book to describe what has transpired. After a year of being told the account was taken care of and then getting a new statement I contacted the Iowa XXXX  XXXX XXXX to get assistance. On XX/XX/XXXX we finally received a letter from Synchrony with an explanation that they credited the wrong account. We have always paid our bills so this is not us trying to get out of paying something we owe. We want an accounting of what we purchased. You might want to review all of the calls that we have made to the bank each month. Also the letter we received from XXXX XXXX with Synchrony said to call her if we have questions. Unfortunately we have called XXXX at least XXXX  times not including a call and message today asking her to call and have never received a call back. We closed our account in XXXX XXXX and paid off our balance. At the time customer service our balance was paid. In nut shell we have tried to work with Synchrony but you never speak to the same person, they never follow through, I think my XXXX on the phone was XXXX plus hours. No sure what else we can do. Even if we paid the XXXX I am not sure this would end this ; During oe call the bank said we owed XXXX dollars for a time we did not even have an account. I asked if the bank gave credit to people that do not pay their bills. This is just one example of really strange behavior we have empierced with Synchrony. We really just want to never hear from Synchrony ever again. 







































XXXX we

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 2025-08-05 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: AZ

Complaint narrative:
XXXX - I was never late on this account, please remove late payment history. 

XXXX  - I was never late on this account, please remove late payment history. 

XXXX  - I was never late on this account, please remove late payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: AZ

Complaint narrative:
XXXX - I was never late on this account, please remove late payment history. 

XXXX  - I was never late on this account, please remove late payment history. 

XXXX  - I was never late on this account, please remove late payment history.

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 2025-08-05 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: NY

Complaint narrative:
I am filing this complaint because TransUnion is continuing to report a derogatory account from XXXX XXXX XXXX ( account ending in XXXX ) that is both outdated and misleading. The account was closed and paid as of XX/XX/XXXX, but TransUnion is still reporting late payments, including a 60-day delinquency as recent as XX/XX/XXXX, which is inaccurate and damaging. 

Additionally, I never provided written authorization for XXXX XXXX XXXXXXXX or TransUnion to publicly report this account. Under the Fair Credit Reporting Act ( FCRA ) 604 ( a ) [ 15 U.S.C. 1681b ], no consumer report should be furnished without a permissible purpose or explicit consumer consent. This constitutes a clear violation of my privacy rights. 

I previously disputed this account and requested deletion or correction. Rather than address the inaccuracy, TransUnion simply marked the item as verified, without validating the late payment information or permissible purpose as required by FCRA 611 [ 15 U.S.C. 1681i ] and 607 ( b ) [ 15 U.S.C. 1681e ( b ) ]. 

This is not only misleading reporting it is a failure to maintain procedures to ensure maximum possible accuracy, and a failure to correct or delete unverifiable 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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I submitted a claim with Chase regarding two {$250.00} XXXX payments made on the same day, despite my XXXX daily limit being set at {$250.00}. I provided clear documentation showing both transactions, and I asked Chase how this was allowed to happen. 

Instead of investigating this breach of the daily limit or reviewing my evidence, Chase closed my claim and told me to contact XXXX. XXXX is integrated into Chase 's system and operates through my bank account, so I believe Chase holds responsibility for investigating the processing error. 

Additionally, I suffer from a condition called XXXX XXXX XXXX ( XXXX ), which severely limits my ability to speak. I specifically requested communication by email or text. Despite this, Chase repeatedly asked me to call their customer service line, disregarding my medical and legal right to accessible communication under the XXXX. 

I am seeking a full investigation into the duplicate transaction, a refund of the second {$250.00} payment if warranted, and a formal apology for ignoring my accessibility request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: LA

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. 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 2025-08-05 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: LA

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. 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 2025-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: WV

Complaint narrative:
My account was closed with an ending balance of over XXXX. I received a check back from Citibank after 2 months and they still owe me XXXX. I have called and emailed, no resolution.

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