vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 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: Prog Holdings, Inc.
State: MD

Complaint narrative:
I used XXXX to pay for a XXXX order ( XXXX XXXX : XXXX ). The original order total was {$360.00}. I later returned the items to XXXX, and XXXX confirmed a refund of {$190.00} is currently being processed. They also already issued a partial refund of {$48.00}. I provided XXXX with full documentation, including XXXX refund confirmation. 

Despite this, XXXX immediately rejected my claim the moment I submitted it. There was no review, no explanation, and no consideration of the evidence. They are still attempting to charge me for the next installment even though : I already paid the XXXX installment of {$92.00}, The refunded amount reduces what I owe to approximately {$29.00}, And the refund is actively being processed by the merchant. 

I requested that they place the installment plan on hold until the refund completes, which is standard practice for XXXX companies. They refused, and they are still demanding payment. 

Additionally, I am concerned that XXXX XXXX charge late fees or negatively impact my purchase power for a situation that is fully dependent on the merchants refund timeline not my payment behavior. 

This feels like an unfair and deceptive practice. The company is ignoring refund evidence, rejecting claims without review, and attempting to charge consumers for amounts that will be refunded. 

I am requesting CFPB assistance to ensure : XXXX. XXXX properly reviews my refund documentation. 
XXXX. My installment plan is placed on hold until XXXX refund is completed. 
XXXX. I am not charged any late fees. 
XXXX. My account and purchase power are not negatively impacted. 

I am happy to provide screenshots, refund confirmation, and all communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
On XX/XX/2024, Digital Federal Credit Union ( DCU ) placed a hard inquiry on my Equifax credit report without my authorization and without a permissible purpose under the Fair Credit Reporting Act ( FCRA ). I did not apply for credit, did not request any service, and did not give written authorization to DCU to access my credit file. 

I disputed the inquiry with Equifax, but they stated it would remain unless the furnisher requests its deletion. I contacted DCU and requested proof that I authorized this inquiry, but the company failed to provide any documentation, application, signature, or evidence showing that I granted permission. 

This violates FCRA 604 ( permissible purpose ), 609 ( a ) ( 1 ) ( requirement to maintain proof of authorization ), and 611 ( unverifiable information must be deleted ). 

Since DCU has not been able to validate or verify the inquiry, I am requesting that the CFPB require the company to either provide documented proof of authorization or request the immediate deletion of this unauthorized inquiry from my Equifax credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party

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 2025-12-08 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is reporting inaccurate and unverifiable information and failed to provide a lawful method of verification under FCRA 611 ( a ) ( 7 ).

Narrative : Experian is reporting multiple accounts with inaccurate, incomplete, inconsistent, and unverifiable information. I disputed these items directly with Experian via certified mail. Experian failed to provide the required Method of Verification ( FCRA 611 ( a ) ( 7 ) ) and continued reporting items without proper reinvestigation in violation of FCRA 611 ( a ) ( 1 ). 
Requested Resolution : - Require Experian to provide full Method of Verification - Delete all unverifiable items - Correct personal 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 2025-12-08 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX - XX/XX/year>

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 2025-12-08 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: LEXISNEXIS
State: MI

Complaint narrative:
I am requesting the method of verification of how LexisNexis verified certain information on my consumer report. I have repeatedly requested this information and they have not provided it. LexisNexis keeps sending the same letter but no verification on how they verified the information. I am not demanding you disclose the method of verification. I also would like to know how they verified this alleged tax lien and bankruptcy. This issue is heading to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: CA

Complaint narrative:
This letter serves as my formal dispute regarding the reporting of one or more collection accounts appearing on my credit report. I am exercising my rights under the Fair Credit Reporting Act

( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ).

The reported collection accounts are inaccurate, incomplete, and unverifiable. No original signed contract, itemized statement, or verifiable proof of ownership has been provided to substantiate this alleged debt or its continued reporting. Reporting unverifiable information violates FCRA 1681i ( Reinvestigation of disputed information ) and 1681e ( b ) ( Accuracy of report ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
A charge for {$830.00} appeared on my account that I did not authorize. The transaction took place in another city and another state, and I have never been to that city. At the time of the purchase, I was physically at work in my home state, and my employer can confirm my presence there. 

After I reported the issue, Bank of America replaced my card and opened a fraud dispute. A temporary credit was posted to my account, and I received a notice that the claim was under review. Later, the bank reversed the temporary credit and denied the claim without providing any explanation or evidence supporting their conclusion. 

I did not make this purchase, my card was in my possession, and I was not in that location. The decision appears to have been made without proper review, and the bank did not provide the documentation required to justify their determination.

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 2025-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
my info was used to obtain credit without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: SC

Complaint narrative:
Chime sent me an email today XX/XX/XXXX to close my account randomly. I have been a member since XXXX. I use chime as my second account as I have my main account which is linked to them which is my credit union account. I transfer my check and any spending money there that I have to use. I want my account open Im willing to verify anything but they wont even give an explanation they just stated it would close and the account is restricted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: NC

Complaint narrative:
I am a victim of identity theft, There are several accounts on my 3 credit reports thats I never gave anyone permission or authorization to open these accounts without my consent. These accounts need to be removed immediately. I didnt benefit or gain any money form these fraudulent accounts. Inquiries are seen XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts

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 2025-12-08 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: NJ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


INQUIRIES : XXXX XXXX XXXX XX/XX/year>

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 2025-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
since at least XX/XX/year> or before, Portfolio recovery has been calling me multiple times, with the last time around XX/XX/year>, sometimes the call shows as " XXXX '', sometimes it's just a random local area code number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I disputed incorrect information on my credit report, but the credit bureau said my disputes came from a third party, which is not true. I personally sent the disputes myself. I even called to confirm it was me, but they still refused to process them. 
I spent money mailing my letters and included documents to prove my identity. Its unfair that they didnt investigate properly. I just want my disputes handled correctly as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: NJ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: NY

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in XXXX USC 1XXXX ( XXXX ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: TX

Complaint narrative:
I am seeking the immediate removal of these fraudulent accounts from my credit report, as I did not authorize or recognize them. Under USC 1681g, I request their deletion within 15 days. Relevant supporting documentation is enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX here is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this report to dispute inaccuracies on my credit report. Equifax has acknowledged a system failure that led to my personal information being compromised and misused. Ive encountered credit denials because of this, and Im requesting that it be resolved within four business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-12-08 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: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-12-08 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: NJ

Complaint narrative:
I am submitting this report to dispute inaccuracies on my credit report. Equifax has acknowledged a system failure that led to my personal information being compromised and misused. Ive encountered credit denials because of this, and Im requesting that it be resolved within four business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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.

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/year> CFPB COMPLAINT REGIONS BANK Failure to Comply With Subpoena After Instructing Me to Obtain One I previously filed a complaint with the Consumer Financial Protection Bureau on XX/XX/year> regarding Regions Banks handling of checks made payable to XXXX XXXX XXXX XXXX XXXX that were instead deposited into an Accurate Pavers account. 
In Regions Banks formal response to the CFPB, Regions stated that they were unable to provide any records to me without a subpoena, and they specifically told me to obtain XXXX through the court. 
I followed Regions Banks instructions : I filed the proper court action. 
I issued and served a valid subpoena on Regions Bank for the records needed to investigate potential fraud. 
The subpoena was served at the correct address and in full compliance with court rules. 
Despite this, Regions Bank has refused to respond to the subpoena. This has now delayed my legal case and prevented me from obtaining evidence directly related to a suspected bank-fraud scheme. 
Because Regions Bank advised me to obtain a subpoena and I complied, their ongoing refusal to honor it is obstructive, unreasonable, and harmful. At this time, I am requesting that the Consumer Financial Protection Bureau intervene and require Regions Bank to comply with the subpoena they themselves instructed me to obtain. 
I am attaching copies of the subpoena and Regions Banks original CFPB response directing me to subpoena them. 
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 explanation