vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I filed a factual dispute with TransUnion over XXXX  days ago regarding inaccurate accounts appearing on my credit report. Even after the allowed XXXX investigation period, the disputed accounts continue to appear unchanged. This suggests that TransUnion either did not perform a proper verification or failed to update my file as required. Under the Fair Credit Reporting Act ( FCRA ), TransUnion is obligated to ensure the accuracy and integrity of the data it reports, yet these inaccuracies remain.

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 2025-11-07 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: CA

Complaint narrative:
I am writing to dispute the following accounts on my Equifax credit report. These accounts are inaccurately reported as charged off, and I request that they be thoroughly investigated under the Fair Credit Reporting Act ( FCRA ). If they can not be verified, I request that they be removed from my report. The details are as follows : Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: OH

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 explanation
Consumer complaint received 2025-11-07 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: OH

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
I am filing a complaint regarding a credit card debt that has been in collection since XXXX. I have made multiple payments under settlement agreements that the collection agency provided, but they have failed to honor the settlement and continue to report the account as in collection. 

Timeline of Events : XX/XX/XXXX : I called the collection agency to resolve the account and agreed to a settlement of {$1900.00}, payable in XXXX payments of {$630.00}. 

XX/XX/XXXX : I received another written settlement offer for {$1600.00} instead of {$1900.00}. 

I had already made the first payment of {$630.00} in XXXX under the first agreement. When I received the second settlement letter, I called to clarify which one to follow. 

The representative told me to make XXXX more payments : {$630.00} and {$320.00}, and said that after those payments, my account would be settled. 

I made the payments as instructed, but never received any confirmation or settlement letter. 

I called again, and a representative told me that the amount was wrong and that my account was short by {$22.00}, so I made an additional payment of {$22.00} in XX/XX/XXXX. 

Again, no update or confirmation followed. 

When I called back in XX/XX/XXXX, I was told that the second letter ( the one for {$1600.00} ) was sent in error, that the previous representatives gave me the wrong information, and that I now need to make another {$630.00} payment because the first payment was not credited properly. 

I asked if they could apply my XXXX payment to the new agreement, and they refused. They told me to dispute the first payment with my bank and attempt to get my money back. 

Why I Am Filing This Complaint : This situation has caused significant stress and anxiety. I have made all payments as instructed by their representatives and in good faith, yet my account remains in collection, damaging my credit. The collection company has : Provided conflicting settlement offers, Failed to properly apply my payments, Given inconsistent and misleading information, and Refused to honor a paid settlement. 

I am requesting the CFPBs assistance in having this company : Acknowledge and honor the settlement agreement that was paid in full, Correct my credit report to show the account as settled, and Provide written confirmation that the account has been resolved. 

Payments Made : XX/XX/XXXX : {$630.00} XX/XX/XXXX : {$630.00} XX/XX/XXXX : {$320.00} XX/XX/XXXX : {$22.00} Total Paid : {$1600.00}

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 2025-11-07 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: IL

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: LA

Complaint narrative:
I have been in constant contact with Robinhood to follow up on the account restriction placed on my account, I've provided my verification to multiple Robinhood representatives and have been waiting for an update. Unfortunately, I have not received any response to my multiple follow-up emails or calls, which is concerning.

As this restriction is impacting my ability to access my funds, I kindly request an immediate update on the status of the review. Please let me know if there are any additional steps required on my part to resolve this issue promptly. 

Thank you for your attention to this matter. I look forward to hearing from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
Apple Card ( Goldman Sachs ) received two payments from me on XXXX XXXX in error and will not give me back the unintended payment. I had been paying the Monthly Balance by auto pay, which is scheduled for the last day of the month. I decided not to pay the full amount and used their handy dial to dial down the amount ( see attached example ) to XXXX. Customers can choose the amount as a one time payment. There is an option to click on autopay details but it does not say that when you dial down the amount that you will ALSO pay the auto pay amount in addition to the dialed down amount. It even tells you how much interest you will pay because you are not paying the full amount. So on XXXX XXXX both the XXXX intended payment and the unintended XXXX remaining balance payment were both applied to my credit card balance. I contacted XXXX XXXX  as well as Apple Card numerous times starting XX/XX/year>, and spoke to supervisors at both. XXXX said they could not stop Apple Card from taking the amount and Apple Card said call the bank. Apple Card had posted the amounts to my account XXXX, although the amounts were not deducted from my XXXX account XXXX XX/XX/year>. At the very least the system is confusing. At the worst it is criminal. Also when I set up the XXXX payment on XX/XX/XXXX I was assured that I would be notified before AND when that payment occurred and I was not notified before that payment occurred. ( The attached examples show the process using a dummy payment set up for the end of this month ) I submitted a claim at Apple Card/ Goldman Sachs and also notified them that I do not believe their cancel autopay consistently works. The only advice I got from Goldman Sachs was to make sure my internet works and to call my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I demand immediate deletion of the disputed accounts and verification of compliance with federal law. I also seek full investigation into the bureaus willful violations and request penalties and damages as allowed by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: HYUNDAI CAPITAL AMERICA
State: OR

Complaint narrative:
They owe me a refund of {$900.00}. It has been well over the 15 days now. And when I called today they still havent even processed it yet and now they want to open a case ( whatever that means ) and someone else will be contacting me within the next 2-3 days. They are just taking their sweet time and im sick of it. If the shoe was on the other foot, they would be charging me late fees on top of late fees. All they have given me is a case number and I attached a copy showing that I don't owe them any money

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 2025-11-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: PA

Complaint narrative:
I am disputing two unauthorized deductions totaling {$110.00} from my Chime account. The first deduction is {$50.00} on XX/XX/XXXX, and the second is {$67.00} on XX/XX/XXXX. XXXX is currently unavailable and shows a {$0.00} balance. 

When I called Chime support, I received conflicting explanations, was hung up on twice, and refused escalation to a supervisor. These charges are unauthorized and incorrect. 

I am requesting an immediate refund of the {$180.00} and written confirmation of the resolution. I have screenshots of my account, XXXX status, and the transactions in question. 

This request is made under the Electronic Fund Transfer Act ( Regulation E ), which protects against unauthorized electronic transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: IL

Complaint narrative:
On XX/XX/XXXX, I enrolled in a monthly car wash membership with a charge of {$34.00} per month. However, starting XX/XX/XXXX, I was unexpectedly charged twice a month on the XXXX and XXXX of each month for the same amount, despite only owning one vehicle and having one membership. 

I contacted my credit card company to dispute the duplicate charges from XX/XX/XXXX to XX/XX/XXXX. Unfortunately, they informed me that I can only dispute charges dating back to XX/XX/XXXX. I believe I have been incorrectly charged from XXXX to XX/XX/XXXX, and I would like to resolve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I financed my pet through the XXXX XXXX XXXX issued by Comenity Bank. I paid the full purchase price before or around the end of my 12-month promotional period. About one week after the promotion ended, I called customer service as soon as I realized interest had been charged and asked to pay the balance in full that same day to avoid the interest. I was told this was not possible and that the retroactive interest could not be removed. 

I then contacted Comenity Banks Executive Office by email to request a fair review of the account, since I had already paid the full principal and only the retroactive interest remains. It has been more than 10 business days, and I have not received any response or update. 

I am requesting that Comenity Bank remove or reduce the retroactive interest charges and allow me to close the account in good standing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-07 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: AL

Complaint narrative:
I am writing to dispute the following charged-off accounts on my Equifax credit report. I respectfully request verification of the account details listed below. If these accounts can not be verified, I kindly request that they be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) 607 ( b ). 

CHARGED OFF DEPTEDXXXX  Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} DEPTEDXXXX Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$4700.00} DP OF EDUC Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} DP OF EDUC Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$4400.00} XXXX XXXX Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$8000.00} INQUIRIES XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ECHOPARKAL Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX LATE PAYMENT XXXX  Account No : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
I am disputing this account due to concerns regarding the unauthorized access and handling of borrower information. The Department of Government Efficiency ( D.O.G.E. ) allegedly obtained or used student loan data without proper authorization from the U.S. Department of Education. This action constitutes a violation of my rights under the Computer Fraud and Abuse Act ( 18 U.S.C. 1030 ) and the Privacy Act of 1974 ( 5 U.S.C. 552a ). As a result, I do not trust the validity, accuracy, or security of any information associated with this account.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-07 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:
Please correct/update this inaccurate information on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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:
Please correct/update this inaccurate information on 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