vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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 am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was told by a Chase representative that I would receive a {$74.00} refund for recent overdraft fees. At no point during that conversation was I told that I had to pay my negative account balance first. After the refund was approved, I was transferred to multiple departments including collections and told different things by each person. I was later informed I would not receive the refund unless I paid {$170.00} first which was never disclosed up front. This feels intentionally misleading and unethical. I want Chase to honor the original refund they promised without attaching unexpected conditions after the fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: NJ

Complaint narrative:
XXXX XXXX, XXXX,XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Bureau 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. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXInquiryXXXX XXXX - Incorrect XXXX XXXX XXXX XXXX XXXX  XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX - XXXX Personal XXXX, XXXXXXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
this account was intially with synchrony bank. I fell ill which they were aware of and i advised them I was out of work. when I called them I mentioned that I was offered a settlement amt and that I could pay this if it was still available there representative stated that if I paid the XXXX the account would be considered settled as I only owed them XXXX, I paid them then they turned around and sold this account to whomever is falsely reporting on my account 1. this amount they keep reporting is not owed to anyone it was never even owed to synchrony bank.

2. the acct was settled with original debtor, which illegally sold it. If you settle an account you cant get paid for it from two different people.

I reported synchrony for fraud with the XXXX  my next step is getting the attorney general involved.

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 2025-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Tesla, Inc.
State: FL

Complaint narrative:
I attempted to buy a new XXXX XXXX and I put down {$250.00} for order fee. They kept on telling me I need documents for my co-signer ( my mother ) showing proof that she had income. I told them again and again that she works for cash and I can not produce the paperwork needed. They got me labeled approved on condition. They told me I would need to put down at least {$11000.00}. I told them its not an issue because Im selling the XXXX XXXX I currently own and I can put down {$14000.00}. They said okay that should be fine. Out of nowhere I get a message saying your order has been cancelled and you will get a refund. About 30 minutes later I get another message saying a lender is still working on my application so Im not eligible for a refund. I was really confused and I did not know what to think. Im a returning customer and they turn me away? I call and text non stop to get an explanation and I get nothing. I do not know why they would think it is okay to treat a customer like this. I feel very small and discriminated. And now Im afraid of attempting to buy another one, will they do the same thing? Ive never seen employees ignoring a customer on purpose like this. What do I do from here?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: OK

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 non-monetary relief
Consumer complaint received 2025-07-16 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: IL

Complaint narrative:
I am requesting the removal of several fraudulent accounts that been reported on my credit file. I am a victim of identity theft and the following items listed on credit report are not mine and were opened without my knowledge or authorization. 

FRAUDULENT 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 XXXXXX/XX/XXXX In accordance with the Fair Credit Report Act, I am requesting that these fraudulent accounts be permanently removed from my credit 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 non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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

want to make it absolutely clear that this complaint is not being submitted in error. My credit report contains multiple inaccuracies that fail to meet the legally required standard of maximum possible accuracy. These errors are not only incorrectthey are having a serious and ongoing negative impact on my financial health and personal well-being. This is an incredibly difficult time, and the stress caused by these reporting mistakes is both profound and unjust. I am askingfirmly and respectfullyfor your immediate attention and action.

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 2025-07-17 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: FL

Complaint narrative:
XX/XX/XXXX To : LEGAL DEPARTMENT TRANSUNION CREDIT REPORTING AGENCY XXXX XXXXXXXX XXXX XXXX PA XXXX EXPERIAN CREDIT REPORTING AGENCY XXXX XXXXXXXX XXXX XXXX TX XXXX Subject : Formal Dispute of Inaccurate Charge-Off Reporting Re : Account with XXXX XXXX Account Number : XXXX Re : Account with XXXX XXXX  Account Number : XXXX Re : Account with XXXX XXXX Account Number : XXXX Re : Account with XXXX XXXX Account Number : XXXX Dear CREDIT REPORTING AGENCYS I am writing to formally dispute inaccurate and misleading information being reported on my credit file concerning the above-referenced account. The account in question is being reported as charged off every month, which is factually and legally incorrect. 

A charge-off is a one-time accounting event that marks the account as a loss for the creditor. However, this item is being re-reported monthly as if the charge-off is occurring repeatedly, which is inaccurate and results in continued damage to my credit profile.

Under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681e ( b ) ( reasonable procedures to assure maximum possible accuracy ) and 15 U.S.C. 1681i ( a ) ( duty to reinvestigate ), I am requesting that you investigate this matter and have this account updated or removed accordingly. 

Please conduct a thorough investigation and provide me with a written confirmation of your findings. If the data furnisher can not verify the accuracy of this repeated charge-off status, it must be deleted from my credit file in accordance with federal law. 

Attached are copies of my identification and a copy of my credit report highlighting the inaccurate reporting for your reference. 

Thank you for your attention to this matter. Please respond within the required 30-day timeframe under the FCRA. 

Sincerely, 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 2025-07-16 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX MI XXXX ACCOUNTS : XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$520.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$640.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$540.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$500.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$810.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7500.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$260.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$890.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: MI

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXX XXXX  Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: CA

Complaint narrative:
On Tuesday XX/XX/XXXX I called them and asked them to help me recover an old account because I had a settlement and they had sent it to the old account without my knowledge I was unaware of where these funds were located till I spoke to my lawyers handling my case and they informed me it was sent to an account I no longer have access to due to change of phone number and email address. They refuse to transfer my funds from the old account to my new account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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 filing this complaint to address a serious issue with my credit report. Accounts that do not belong to me, previously disputed and removed has reappeared without any justification. These accounts are not mine and appears to be tied to someone elses profile, which has likely resulted from mixed or mishandled information. This kind of repeated error is unacceptable. It continues to damage my credit, raises ongoing concerns about identity theft, and violates my rights as a consumer. I should not have to repeatedly dispute the same issue, especially after it was already resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
After XXXX  years my account XXXX was closed by a vague email over a bank holiday weekend. As I was traveling and American Express was my primary card, this caused me quite the number of problems. American Express was fined $ XXXX for fraud by the Department of Justice on XX/XX/XXXX and then wrongly retaliated against me, their customer, when their employees are solely at fault. XXXX XXXX and XXXX XXXX of American Express XXXX XXXX XXXX began contacting me in XXXX of XXXX and badgering me to sign up for Premium Wire rewards to earn membership reward points for payroll and contractor payments using an American Express wire transfer service and then claim tax deductions for the fee American Express charged which would more than offset the cost. I eventually agreed I would try the service; however, I never used the service. The heavy sales pitch of the tax deduction benefits seemed very sketchy. This is the service detailed in the DOJ fine against American Express. I did not process a single payment or earn a single point using XXXX XXXX. I did not seek out this offer, American Express salespeople contacted me, I should not be punished for the unscrupulous actions of their salespeople. 
I have not violated the cardmember agreement, I have used my account to make purchases, and I have always paid on time for those purchases for 32 years. I have provided bank statements and tax records to American Express as part of financial reviews in XXXX and XXXX, something I would never consider for any other credit card. The last review concluded your accounts are in good order. 
For the past XXXX days I have tried to resolve this situation through customer service and have only been referred to the account closure email which provides no information. As a customer of XXXX years, American Expresss unjust actions are very disappointing. 
The card member agreement requires mandatory arbitration. A claim was received by American Express on XX/XX/XXXX via certified mail XXXX and acknowledged by email from American Express executive office on XX/XX/XXXX. XXXX  arbitration case # XXXX is open ; however American Express is refusing to respond. 
For account XXXX I am owed XXXX reward points which were earned for valid purchases, which were paid on time and for which American Express has profited from the interchange fees for. I am owed refunds of {$370.00} for services which have not been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
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 non-monetary relief