vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 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: TX

Complaint narrative:
Experian XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXXXXXX XXXX. 
XXXX ) 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 XXXX 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 XXXX  XXXX XXXX XXXX, TX XXXX ACCOUNTS : XXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$390.00} XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX 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 explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I did not authorize any repeat payment to the receiver, but the receiver asked her bank to notify our bank, Our Chase bank seems close the dispute, The receiver confessed it is the overpayment, but she need bank to bank dispute.

This is the Chase bank responsibility, I did not do any repeat authorization. And the bank has responsibility to dispute and money back XXXX, XXXX {$650.00} XXXX, XXXX {$650.00} First name " XXXX '' Last name " XXXX " Bank account number " XXXX '' by Chase. 
Address " XXXX XXXX XXXX, XXXX, XXXX "

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: NC

Complaint narrative:
I have made attempts to remove fraudulent remarks from credit report, identified between XXXX and XXXX Despite participating in the dispute process with Experian, reaching out to other credit reporting agencies, and contacting the involved, I have unable to resolve these unauthorized fraudulent accounts from which I did benefit. These negative accounts have significantly impacted my quality of life. My data has been compromised twice by the credit bure, making me a victim. I am seeking assistance in correcting fraudulent. XXXX is for this due to their history of data breaches, both past and This also violates the Fair Credit Reporting Act, experian is allowing companies to add unauthorized items on my credit and refuse to remove them despite sufficient, including FTC and police reports. If this matter is not resolved within week from this notice I will no choice but to pursue legal action, which may result more punitive damages.

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 2025-06-16 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:
Randomly a credit card collection appeared on my Experian report. XXXX XXXX sold account to creditor XXXX XXXX XXXX XXXX. I disputed it with the Credit Bureau. This has not been removed. I reached out to the creditor reporting advised this was not my account and to remove it. No action has been taken by the creditor. Creditor : XXXX XXXX XXXX XXXX total amount {$2800.00}. This was removed once ( see previous complaint attached ) and now it has returned on my credit. See attachments.

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 2025-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
As a consumer my information should be protected at all times. After reviewing my report I discovered several fraudulent inquiries that I have not authorized or are aware of this. This is affecting my livelihood and preventing me from buying a home. As consumer I have the rights under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), to have my information protected, accurate and keep private. I have also been in a few breaches so this XXXX be due to this. However, it is the credit agencies duty to make sure my information is accurate at all times. Please remove the inquiries!

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 2025-06-16 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: TX

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  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. 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 XXXX  XXXX XXXX XXXX, TX XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : IR 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 2025-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Block, Inc.
State: VA

Complaint narrative:
I made a dispute to Cash App because the {$51.00} I gave to a company called XXXX was a scam. I don't think they even read anything I sent them because they would see that the company website to XXXX is gone and therefore, I will never get the product. I even sent them screenshots of the site. Then when they sent me an email about my dispute, they just said because it was authorized and not an error, which I know, but the company I authorized the purchase to was a scam! That was what the whole dispute was about but then they said because of my account, settings... was also why they denied it, so whatever that means. Cash App is vague.They don't even have an option for a fraudulent charge so I can't even dispute my charge properly which is probably why they also denied it instead of giving you more options to report a charge. There was even a time in XX/XX/2024, when I moved money to my account and it never came. Then they tried to tell me it did when I can see in my own account that it didn't. It was {$48.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: NJ

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX 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. 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 XXXX XXXX XXXX XXXX XXXX NJ XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$890.00}

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 2025-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: AR

Complaint narrative:
I am a victim of identity theft. I have an assigned victim ID number issued by the XXXX Department of Justice. My identity has been compromised on multiple occasions and my social security number has been found on the dark web. Although I have a freeze on my account individuals have been able to bypass security measures due to data breaches obtaining pertinent information that is used to verify me and obtain credit again in my name.

To All It May Concern : This letter serves as formal notice and demand for the immediate removalwithin XXXX XXXX derogatory and inaccurate information currently reported on my credit file under the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S. Code 1681 et seq.

This inaccurate and harmful reporting is in direct violation of my consumer rights under the following provisions : 15 U.S. Code 1681b ( a ) ( 2 ) : Permits access to consumer reports only for permissible purposes. If the information was accessed, reported, or disseminated without permissible purpose, it constitutes a direct violation.

15 U.S. Code 1681e ( b ) : Mandates maximum possible accuracy in the preparation of consumer reports. The presence of inaccurate derogatory information shows clear noncompliance.

15 U.S. Code 1681g : Grants me the right to a full disclosure of the information in my file and the sources thereof. Failure to provide this upon request is unlawful.

15 U.S. Code 1681i or 1681c ( presumed from 92 C ) : Addresses reinvestigations of disputed information and limitations on reporting outdated information. 

Due to the nature and consequence of this erroneous reporting, I hereby demand the complete deletion of the erroneous item ( XXXX ) from my credit report within XXXX hours of receipt of this notice. Additionally, I demand that you furnish me with written proof of this deletion via email to confirm compliance and transparency. 

Failure to do so will result in immediate legal action against your organization. I will pursue the maximum allowable compensatory and punitive damages for : Willful noncompliance and negligence under the FCRA Emotional distress and mental anguish Hindrance of my creditworthiness and financial livelihood Direct impact on my ability to provide for myself and my family This dispute and demand shall be taken seriously, as further violations will not be tolerated. You are hereby reminded that each day you continue to knowingly report inaccurate information and refuse to act constitutes a willful violation of federal law, and I am prepared to present this matter before the proper court of law without further notice. 

I expect a prompt and compliant response to this matter within XXXX hours of receipt. A failure to act will solidify your liability and initiate immediate proceedings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 non-monetary relief
Consumer complaint received 2025-06-16 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I applied for a Chase Business credit card and never received any notification about the decision. I called Chase to ask about the status, and they told me the application was under review, and later ( same call ) said it was denied, even though my credit score is around XXXX. I asked for reconsideration and requested that they review the original credit report. 

However, Chase pulled my credit report a second time without my knowledge or consent. When I called to ask why, a representative admitted it was a mistake and gave me a number for the department that handles credit inquiry removals. That department then told me the previous team should have corrected it but that it probably wont be removed, even though it was confirmed to be an error.

Im very disappointed with this experience. I was misled and given conflicting information. Chase performed XXXX hard inquiries on my credit, acknowledged the second was a mistake, said they would remove it, and then later refused to do so. This has negatively affected my credit score and I did not clearly authorize the second inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I financed a XXXX XXXX XXXX through American Credit Acceptance ( ACA ) at a XXXX dealership. The vehicles advertised cash price was {$17000.00}, but ACA approved a loan for {$21000.00}. That extra {$3800.00} came largely from a {$4000.00} extended service contract that I was explicitly told by the XXXX salesperson was required by ACA to secure financing. 
In fact, the Retail Installment Contract I signed lists the service contract as Optional Extended Service Contract : {$4000.00}, proving it was not mandatory. ACA never required this add-on in writing. Because I relied on the salespersons representation, my loan-to-value ratio is now an underwater 168 %, I owe nearly {$10000.00} more than the cars market value, and Im paying a 24.10 % APR on debt far exceeding the vehicles worth. 

I earn less than XXXX  XXXX, yet ACA approved this loan without any meaningful affordability review. Ive already paid over {$4600.00}, but my principal has dropped by only about XXXX  XXXX rest went to front-loaded interest. This appears to be predatory loan structuring : inflating the loan with undisclosed or misrepresented add-ons, charging excessive interest, and risking borrowers who can not afford the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: AL

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, PA XXXX RE : XXXX Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: CA

Complaint narrative:
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. 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 XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$440.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$310.00} INQUIRIES : 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 explanation
Consumer complaint received 2025-06-16 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: MN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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