vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 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: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX ( Docket Number : XXXX, Chapter XXXX Bankruptcy ) Filed on XX/XX/XXXX XXXX XXXX ( Account Number : XXXX ) Opened on XX/XX/XXXX, High Balance : {$33000.00} XXXX XXXX ( Account Number : XXXX ) Opened on XX/XX/XXXX, High Balance : {$2500.00} XXXX  XXXX XXXX ( Account Number : XXXX ) Opened on XX/XX/XXXX, High Balance : {$1300.00}

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 2025-07-14 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: EQUIFAX, INC.
State: NJ

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 2025-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Hello, PayPal still has not " closed '' these XXXX open disputes. 

They should not be disputes as they are legitimate transactions. 

The sellers provided tracking information & I have contacted PayPal over XXXX times to close these disputes and pay the sellers. They have not done anything at all. 

Paypal has already invoiced me & took my money as well. Horrible service. 

Case ID : XXXX XXXX XXXX XXXX - XXXX XXXX XXXX {$400.00} USD Case status : Under review XXXX XXXX shared tracking info XXXX Shipped by XXXX XXXX XXXX XXXX  ( XXXX XXXX Case ID XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - {$150.00} USD Case status XXXX Under review XXXX XXXX, 2025 XXXX XXXX shared tracking info XXXX Shipped by XXXX XXXX XXXX XXXX XXXX XXXX ) Anything you can do would be greatly appreciated . 

Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I received an email from Experian notifying me that a new loan/installment account had been added to my credit report. I believe this is a case of potential financial fraud or identity theft, as I have no knowledge of this creditor and have never had any contact with them. 

This unauthorized entry is deeply concerning. It appears that an entitypossibly the XXXX XXXX XXXX misusing Experians platform in a manner that feels coercive and unethical. 

Attached Experian 's email screenshot for your reference.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: FL

Complaint narrative:
I have previously disputed XXXX, Equifax and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. 
Pursuant to Section XXXX of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), you are legally obligated to block and DELETE all fraudulent information within XXXX ( XXXX ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA XXXX and XXXX for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I contacted Bank of America , N.A . customer service line asking questions about my account. I noticed that there has been suspicious transactions on my account that I'd never experienced in the past. My initial contact was XXXX months ago. I called to inquire about how payments were posting and then being returned. It didn't make sense to me because the money was there, so it the online portal it would show that the payment posted. Then, abruptly, an insufficient post would show that the money was not there. So, it started messing up my bills, causing me to have late payments. I then decided to change banks. However, I left the account open because I have a deposit from the attorney general office that posts to that account. 

I also had a thought that maybe my account was being hacked. I asked the representative if they could see on their end if the money was being moved, altered, or whether the account was being tampered with. At the time of the conversation, the representative stated that they could not see it. So, I left well alone. I have changed my password multiple times and notice that this event is still happening. I would like an investigation to take place because in the midst of all of this, I learned that my cell phone was being hacked and my phone possibly could be cloned by someone I was once close to. I have changed phones, and yet my account appears to continue to be messed with, even when there's not much money in there. Nevertheless, it's causing confusion with whether a payment was received by the creditor. For example, when I accessed the creditor 's portal, it showed that the payment was successful. I don't know if that is because of delayed processing or what. I will find out about it. However, there were XXXX accounts that received this " insufficient funds '' label after being paid. Then, all of a sudden, I looked at my account today, it shows how {$170.00} was not sent to the creditor. So, I don't understand how that happened. I believe someone internally is manipulating my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: FL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under XXXX XXXX. XXXX, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, VA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX -- {$0.00}

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 explanation
Consumer complaint received 2025-07-14 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:
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 2025-07-14 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: EQUIFAX, INC.
State: LA

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 2025-07-14 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX regarding an erroneous bill for a service I did not receive or authorize, which is now negatively impacting my credit score. I seek your assistance in resolving this matter and correcting the associated credit reporting error. 
Details of the Incident : In XXXX of XXXX, I visited a XXXX store at XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX to inquire about switching my cell phone and number from another XXXX to XXXX. The store attendant attempted to port my phone but determined that my device was incompatible with XXXX network. The attendant apologized, stating that XXXX could not provide me service, and I left the store without purchasing a phone, transferring my number, or activating any account. 
Approximately XXXX month later, I received a bill from XXXX for {$110.00} despite not having received any service, a phone or authorized any account creation. The bill does not specify what the charges are for. I contacted XXXX customer service by phone in XXXX of XXXX to dispute the bill, but they claimed the charge was for creating an account and refused to provide further assistance or cancel the bill. This unauthorized account has since been reported to credit bureaus, resulting in a negative impact on my credit score, as evidenced by a recent credit report from Equifax showing a collections account. 
XXXX XXXX : I did not authorize the creation of a XXXX account. 
No services were provided, as my device was incompatible with XXXX network. 
The bill lacks clarity on the charges, and XXXX has failed to justify or resolve the issue. 
The erroneous bill has led to unjustified collections activity, harming my credit score. 
Requested Resolution : I respectfully request the following : XXXX. XXXX cancellation of the unauthorized XXXX account and associated bill. 
XXXX. Removal of any negative credit reporting related to this account from all credit bureaus ( Equifax, Experian, TransUnion ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I purchased XXXX XXXX XXXX XXXX tour tickets from XXXX during presale for {$1300.00}. As the event date approached, better seats ( closer to the stage ) became available for significantly less {$540.00} each. I called XXXX on XX/XX/year>, to request an exchange, as their policy stated exchanges were available for tickets of equal or higher prices ( with a fee ). 
Despite this, I was told I could not exchange my tickets solely because the new seats were cheaper. This no downgrading rule was never disclosed when I purchased the tickets or in the general exchange policy. I followed up with Chase to dispute the charge, providing screenshots, the policy, and my call record, but they denied the dispute, treating it as a refund denial rather than a failure to honor advertised terms. 
Chase also advised me that I should avoid attending the event if I wanted a refund, which I followed in good faith. Im now being held responsible for a charge for a service that was not delivered as described. This is unfair, and I am requesting a CFPB review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
We confirm that this account has been settled in full and no further payment is required. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am formally asserting that my rights under the Family Educational Rights and Privacy Act ( FERPA ) have been violated due to the inaccurate and unsupported reporting of my federal student loan status. XXXX has reported my account as delinquent multiple times without providing any prior mailed statements or email billing notifications. I did not receive any communication regarding amounts dueonly alerts that I had already been reported late, without supporting documentation or an opportunity to resolve the issue beforehand. This misrepresentation of my account status and failure to provide proper notice constitutes both a breach of FERPA protections and a violation of fair reporting practices. I request immediate correction of this information and a review of all reporting and disclosure actions taken.

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