vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-28 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: NC

Complaint narrative:
I am formally disputing the accuracy of the reporting for my XXXX XXXX account ( Account Number : XXXX ). The account is being reported as charged off with a balance of {$480.00} written off and {$290.00} past due as of XX/XX/year>. 

This information is not accurate. I believe the balance is incorrect, and the status does not reflect the true history of the account. I am requesting a full investigation into this entry. If the account can not be verified with complete and accurate documentation from the original creditor, it should be removed from my credit report in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: NC

Complaint narrative:
I am formally disputing the accuracy of the reporting for my XXXX XXXX account ( Account Number : XXXX ). The account is being reported as charged off with a balance of {$480.00} written off and {$290.00} past due as of XX/XX/year>. 

This information is not accurate. I believe the balance is incorrect, and the status does not reflect the true history of the account. I am requesting a full investigation into this entry. If the account can not be verified with complete and accurate documentation from the original creditor, it should be removed from my credit report in accordance with the Fair Credit Reporting Act.

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 2025-06-28 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: MA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX - Date Opened 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 2025-06-28 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: MS

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I received a promotional offer from Chase stating I would receive {$200.00} cash back after spending {$500.00} or more. I accepted the offer and met the {$500.00} requirement through purchases and a balance transfer, as there was no clear indication in the offer that a balance transfer would exclude me from qualifying for the reward. 

When I called Chase, I was told the {$200.00} cash back offer was only valid on direct purchases and not on balance transfers. This was not disclosed in the original offer materials. I asked to speak with a supervisor, but they refused to provide any resolution or further escalation. 

I feel this is misleading and lacks transparency. Chase advertised an incentive that appeared to apply to my situation, then retroactively applied limitations not clearly communicated. I am requesting that Chase either honor the {$200.00} cash back promotion as presented or offer a goodwill adjustment. 

I would like the CFPBs assistance in resolving this matter, as I believe this type of vague promotional marketing is unfair to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus XXXX take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-28 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 a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-28 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
On XX/XX/year>XXXX  a payment agreement was made to settle a citibank bestbuy credit card debt with XXXX XXXX XXXX, XXXX  ( XXXX ) with an attached payment schedule. 
I am currently using XXXX XXXX XXXX ( XXXX ) for debt consolidation and the first payment was sent on XX/XX/year> and excepted by XXXX. All payments that followed were sent in accordance to the payment schedule with out lapse of payment on my or XXXX 's behalf. On XX/XX/year>XXXX  I received a court filing Case # XXXX with an attached swore statement dated XX/XX/year> which pre-dates the agreement signed and started but also pre-dated the filing of the law suit and the payment received. All payments except the first payment were rejected by XXXX and recently returned but the court filing has not been amended to reflect the payment received and retained by 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 2025-06-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CAROLINA FINANCE, LLC
State: VA

Complaint narrative:
Hello I request a full review of the lending practices for Carolina Finance. I received a call this morning from XXXX XXXX notifying me that my loan was sold to their company. I have not received any notification from Carolina Finance supporting this transaction. In fact, my husband made a payment to Carolina Finance, XX/XX/year> and there was no mention of the account being sold to XXXX XXXX XXXX. 

I called XXXX XXXX and received the following account number XXXX. 
I am highly upset that Carolina Finance did not properly notify me of this transaction. My contract is with Carolina Finance and not XXXX XXXX XXXX who now has all my information which is a direct violation of my consumer rights. 

XXXX phone call XXXX XXXX XXXX notified me that the transfer of the account happened XXXX XXXX XXXX. Again, I have not received any documentation or phone calls to support this. XXXX XXXX now knows my personal information and I was not made aware. Please help me to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
lettter to Care Credit/ synchrony Bank It seems your system is set up for consumers to fail. Regarding the offer of no interest, there were no email notices from you reminding me the payment was due in full. I was never able to log in because the system is always down. I have sent many messages to your team about this. It always says APOLOGIES, system down. So, we cant see any information. So how were we supposed to know when the interest was due? 

So, all the interest hits the account And then, on topy of that, you decreased my credit line, which made it seem like I spent over my credit line. And it shows over limit on Credit Report. 

Once I realized this happened, I chatted with a team member and they said if I paid the balance, they would remove all interest fees. So, I called in to do this and of course they said no, they would not waive the fees.

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 2025-06-28 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: OK

Complaint narrative:
On XXXX, XXXX, an XXXX XXXX  account, with account # XXXX was opened with my name and state ID with non-matching signatures and no in-store picture, per XXXX XXXX  XXXX, XXXX XXXX XXXX 

At that time, in XXXX, my state ID was stolen and I did not have any identificationtion to use. Per XXXX XXXX XXXX XXXX XXXX, on XX/XX/year>XXXX  the bank account was closed/inactive. The ending balance in the bank account was negative {$530.00}. 

The above amount of negative {$530.00} was then received by XXXX 's collection agency and reported as a debt on my credit report. 

Per XXXX alerts I was notified of the new debt, which has significantly decreased my credit score. 

I was instructed to complete a consumer financial protection report form to notify the Fraud Department of this fraudulent interaction, so that this charge can be resolved and removed from my credit report/history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: MS

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-28 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXate Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX CARD # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Theses inquires didn't have my consent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-06-28 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at Equifax credit report on XX/XX/25 and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

Furthermore, under 15 USC 1681i ( a ) ( 5 ) ( A ), if after a reinvestigation an item is found to be inaccurate, incomplete, or unverifiable, the credit reporting agency must promptly delete or modify the information and notify the furnisher of that action. Additionally, 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) and 1681 b ( a ) ( 1 ) prohibit any person or data furnisher from reporting information they know or have reasonable cause to believe is inaccurate. Any continued furnishing or re-reporting of such information violates federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
RE : Request for Debt Validation under FDCPA 809 ( b ) Account Reference : Auto Loan XXXX Dear Bridgecrest Acceptance Corporation , This letter is a formal request for validation of a debt you claim I owe and that you are reporting to the credit bureaus in connection with an auto loan. I dispute this account in its entirety. Under my rights pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( 809 ( b ) ), I am demanding full validation of this debt. 

Please provide the following : A copy of the original signed auto loan agreement bearing my signature A full accounting and payment history, including all charges, interest, late fees, and repossession-related costs ( if applicable ) Proof of your legal right to collect this debt, including documentation showing ownership or assignment of the debt from the original lender Any records relating to repossession, auction sales, or deficiency balances, if a vehicle was repossessed The name and address of the original creditor Evidence that you are licensed to collect debt in the State of Georgia Until this information is provided, I am requesting that : All collection activity be immediately suspended This account be marked as disputed on all credit reports You cease all credit reporting activities until full validation is completed Failure to provide proper validation within 30 days will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Georgia Attorney Generals Office. I reserve the right to pursue legal action for violations of the FDCPA and the Fair Credit Reporting Act ( FCRA ) if you continue collection or reporting without providing adequate documentation.

This letter is not a refusal to pay, but a formal request for debt validation as allowed under federal law. Please send all responses to the address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: NC

Complaint narrative:
I am formally disputing the reporting of an education loan listed under US Dept of EdXXXX XXXX Account Number : XXXX. The account is reported as closed and transferred, with a balance of {$9900.00}, and noted as never late. 

This reporting is misleading. Since the account was transferred and is no longer active, it should not be showing a current balance or any open responsibility. This may inaccurately reflect my debt load and impact my credit profile. 

I am requesting a full verification. If the balance can not be confirmed with accurate documentation from the original creditor, the account should be corrected or removed entirely under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: NC

Complaint narrative:
I am formally disputing the reporting of an education loan listed under US Dept of EdXXXX XXXX Account Number : XXXX. The account is reported as closed and transferred, with a balance of {$9900.00}, and noted as never late. 

This reporting is misleading. Since the account was transferred and is no longer active, it should not be showing a current balance or any open responsibility. This may inaccurately reflect my debt load and impact my credit profile. 

I am requesting a full verification. If the balance can not be confirmed with accurate documentation from the original creditor, the account should be corrected or removed entirely 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 non-monetary relief
Consumer complaint received 2025-06-28 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: NC

Complaint narrative:
I am formally disputing the reporting of an account listed under XXXX XXXX XXXX, Account Number : XXXX. This account is reported as charged off, with a past due balance of {$190.00} as of XX/XX/year>. 

I do not acknowledge or recognize this charge-off, and I believe the reporting is inaccurate. I am requesting that the account be fully verified with complete and original documentation from the creditor. If it can not be verified under the Fair Credit Reporting Act ( FCRA ), it must be deleted entirely from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: NC

Complaint narrative:
I am formally disputing the reporting of an account listed under XXXX XXXX XXXX, Account Number : XXXX. This account is reported as charged off, with a past due balance of {$190.00} as of XX/XX/year>. 

I do not acknowledge or recognize this charge-off, and I believe the reporting is inaccurate. I am requesting that the account be fully verified with complete and original documentation from the creditor. If it can not be verified under the Fair Credit Reporting Act ( FCRA ), it must be deleted entirely from my 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 non-monetary relief