vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I, XXXX XXXX XXXX, am writing to formally lodge a complaint against the XXXX major consumer reporting agencies : - Experian, TransUnion and Equifax for their and unlawful use and distribution of my consumer credit report in violation of the Fair Credit Reporting Act ( FCRA ), codified at 15 USC subsection 1681-1681x and related provisions of the Gramm-Leach-Bliley Act ( GLBA ) and Fair and Accurate Credit Transaction Act ( FACTA ). 
Nature of Complaint : - The aforementioned agencies have accessed, complied, retained and/or disseminated my personal credit information without my informed consent or permissible purpose as defined under 15USC subsection 1681b. I have reasons to believe my credit file has been disclosed to third parties-including unlawful debt collectors, financial institutions, and unauthorized entities. 
Violations Cited : XXXX15 USC subsection 1681b ( Permissible Purpose of Consumer Report ). These agencies have willfully and/or negligently furnished my credit report to entities without any legitimate business need or my express authorization.

15USC subsection 1681e ( a ) Maintenance of reasonable procedures : -The agencies have failed to maintain procedures to ensure that my consumer report is only provided for Lawful purposes.

15USC subsections 1681n 1681o Civil Liability for Willful or Negligent Noncompliance. Due to these agencies repeated noncompliance and failure to respond to prior notices and disputes, I reserve the right to seek statutory damages, punitive damages, costs, and attorney 's fees as outlined under these sections. As per GLBA and FACTA : - I further assert that my nonpublic personal information may have been shared or sold in violation of my privacy rights under 15USC subsection 6801-6809 ( GLBA and FACTA, without a clearly presented opt-out mechanism or my informed consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: NY

Complaint narrative:
This letter serves as a formal follow-up to my previous dispute regarding the continued reporting of inaccurate, unverified, and potentially unauthorized negative accounts on my credit report. Despite prior communications, the negative accounts remain listed without proper validation or reinvestigation, which violates your obligations under the Fair Credit Reporting Act ( FCRA ).

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My spouse and I have recently applied for a HELOC through a local credit union and within 30 minutes of having our credit checked by the credit bureaus, we have been absolutely inundated with phone calls from countless solicitors and prescreening calls trying to offer their financial services and rates. The rates of calls have been averaging approximately one call every 5 minutes for the past two days, with well over 300 calls so far and no sign of slowing down. The calls are so much that I've had to turn on call screening to highest setting and ignoring all phone calls coming in, which also means I'm likely missing important phone calls that I've been expecting, including one from the loan officer that I'm waiting to call me back relating to the HELOC. 

I have contacted the credit union about this and they told me they have no control over this and has to do with the credit bureaus release of my personal information to soliciting creditors buying lead information. I have also tried to contact Experian to try to speak to someone but have been unable to speak to a human being and the options available do not apply and ultimately the call is ended by Experian before I can navigate the phone menu options. I have submitted to opt out on optoutprescreen.com ( reluctantly provided my personal information ) on their web form, and have also added my number to the national do not call registry, but the calls are still flooding in. 

I am very concerned my information has also ended up in the hands of scammers and criminals who are also buying these leads from the credit bureaus. I have had the same number for over 20 years now and so changing my number is something I really do not want to do but am actually considering if I can't find a solution. I find it absolutely insane that this is allowed by the credit bureaus and need help with this!

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 2025-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
On XX/XX/year>, I received an email from American Express stating that my credit card account was closed. I had no prior notice or warning, and I was not given a reason beyond a vague statement from customer service referring to indicia of misuse. 

After the closure, I logged into my Amex online account and found that it was completely emptied I had no access to past statements, transaction history, or the {$14.00} worth of rewards points that were in the account before it was closed. Customer service was unable to explain the reason for closure or how I could appeal the decision. They told me I could just apply for a new card, but gave no further help. 

This lack of transparency and data access is concerning, especially as I was not given the opportunity to review or redeem my rewards. I believe this handling of the closure is unfair and lacks due process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am a victim of XXXX. 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 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 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 non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: A-1 Premium Acceptance, Inc.
State: KS

Complaint narrative:
On XX/XX/year>, King of Kash attempted an withdrawal from my checking account without authorization. 

On XX/XX/year>, I called King of Kash and spoke with a representative regarding revoking my authorization previously given for ACH and debit card withdrawals for payment. Due to a sudden and unexpected change in my employment status, my finances are not in order to pay the company what they are asking. 

In addition, I believe there was misleading information given to me regarding the setting of this account, how payments would be collected, and also the disbursement of funds. I was presented this account as a " Line of Credit, '' which I understand to mean that I can withdraw up to {$970.00} at my request. However, King of Kash automatically deposited this amount in to my checking account and I was not given a choice which to makes this more of a payday or installment loan. 

King of Kash is charged 970 % interest which means I am paying interest that is 75 % of the actual amount lent. I will never be able to pay this loan off with interest rates this high.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
A representative at Walgreens offered me information about reward points and clearly said it would not affect my credit. They never told me I was applying for a credit card. I already had a Walgreens card, so I thought it was just a points benefit. Later, I saw a hard inquiry on my credit report. I did not authorize this. I called customer service, but no one could help me in XXXX. I feel misled and I did not give informed consent.

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 2025-05-15 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My identity has been stolen. My personal information somehow has been leaked and I have unauthorized accounts on my credit report. Please help me, I have attached my ftc report. This is really stressful for me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
My loans were enrolled and being paid under SAVE. On XX/XX/XXXX they were place on administrative forbearance. During this period Mohela has incorrectly capitalized my interest ( around XX/XX/XXXX ) and been charging me ongoing interest on all of my 27 loans. This has resulted in a total balance increase of around {$20000.00}. This has also affected my credit score. I contacted Mohela by phone on XX/XX/XXXX which took around 2 hours. The customer service agent said that she sees that my loan balances are incorrect and this has happened to many people. She forwarded my concerns to a manager. I asked how long it would take to correct, and she replied that these things take time. 

Note that since beginning repayment, I have always been enrolled in an IDR plan. 

Attached are documents showing loan balances as of XX/XX/XXXX ( the only documents I could find ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
XX/XX/XXXX - upgraded from a Capital One Venture to Venture X card. The benefit of the upgrade is a {$300.00} annual travel credit. 

XX/XX/XXXX - {$300.00} annual travel credit was added to my account XX/XX/XXXX - shows the {$300.00} annual travel credit was used. I did not use the credit. I was looking at rental cars through Capital One travel that day, but did not make a booking. There are no bookings showing in my account either. 

XX/XX/XXXX - called Capital One and spent 1 hour and 53 minutes on the phone. I was transferred 4 or 5 times. Nobody is able to tell me where the {$300.00} travel credit went. They can not see any history of it being redeemed and confirm that no trips/bookings are showing in my account.

I was told it will be 10-12 business days before I get any type of answer about what happened to this travel credit. I am currently trying to book a rental car, but will not be able to apply my travel credit since Capital One can not determine what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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!

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Date XX/XX/year> time XXXX XXXXTotal amount XXXX $ .in two transaction.first onXXXX is XXXX $ second XXXX XXXX 
Subject : Urgent Complaint Regarding Mishandled Gift Card Claim and Reversal by Chase Bank To Whom It May Concern, I am writing to file a formal complaint regarding a serious issue I encountered with Chase Bank concerning a {$870.00} XXXX XXXX XXXX XXXX purchase. I purchased multiple gift cards ( totaling XXXX ), and despite having all valid documentationincluding original receipts and full card numbers showing the cards were never usedmy claim was wrongfully denied and later reversed after initial approval. 

Here is a timeline of events : I purchased the gift cards in good faith, with full intent to use them personally. 
Due to issues with the cards not being functional or redeemable, I submitted a claim to Chase Bank, providing all relevant evidence : receipts, card details, and proof of non-usage. 
Initially, Chase approved my claim and credited my account.

Shockingly, days later, Chase reversed the credit without any further explanation, and deducted the amount from my account, pushing me into the negative. 

This action is not only financially damaging but completely unjustified, especially considering I have every necessary piece of documentation proving the cards were never activated or used by me or anyone else. I feel that Chase failed in their duty to protect their customer and perform a fair and thorough investigation. 

I respectfully request that Consumer Financial Protection Bureau intervene and assist in resolving this matter. I am seeking the return of the deducted funds or a proper reimbursement from either Chase Bank or the card issuer. I am more than willing to provide any further evidence needed, including receipts, card details, timestamps, and correspondence with the bank. 

Thank you for your time, attention, and support. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX [ Ph

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CFS ACCEPTANCE
State: OR

Complaint narrative:
I got a call from a number that was all XXXX  they said they were verifying my address so I can be served for debt that I owed and to call this number to figure out which debt it was so I called the number they gave me which turned out to be CFS CFS told me that I owed a debt to XXXX XXXX XXXX for {$510.00} and with interest I owed them upwards of XXXX something dollars so I called XXXX and XXXX said that I only owed them and took out a loan in total of {$200.00} but I only owed them XXXX cuz I made $ {$10.00} payment XXXX  gave me the number to their collection agency who has the debt that collection department told me that they were scamming me because they don't take you to court for debt owed through them that's only {$190.00} and XXXX XXXX XXXX told me not even to worry about the debt unless I planned on using their services again and that no company should be reaching out to me 9 years later after I got the loan CFS threatened me with court and wage garnishment said that if I have to go to court it's going to cost me over {$6000.00} for the debt and court fees they had my social security number and my email address and my home address XXXX XXXX XXXX assured me that it was a scam and not to pay them because I don't owe them that much money and they don't put interest on money that people owe them

Company response to consumer: Untimely response