vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 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: MD

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 2025-06-24 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: MD

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 2025-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: Chime Financial Inc
State: IN

Complaint narrative:
XXXX {$25000.00} I called Chime, asked them why havent my funds arrived. I couldnt get a answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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 filing this formal complaint against TransUnion LLC for their failure to remove inaccurate and unverified information from my credit report, in direct violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

The account in question is reported by XXXX XXXX XXXX. I have disputed this entry with TransUnion and provided supporting documentation, including an FTC Identity Theft Report, but TransUnion has failed to take the appropriate actions required 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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Re : XXXX Experian Re : Please remove inaccurate credit information for XXXX XXXX Amount : XXXX To Whom it may concern : This letter serves as a formal complaint that you are reporting inaccuracies, incomplete and incorrect payment history information on the credit card listed on my credit report. The following credit card is reporting errors and inaccurate information, which may be in violation of the Fair Credit Reporting Act ( FCRA ) and the Metro 2 guidelines, both of which require accurate and complete reporting of consumer credit information. 
Please investigate and verify that all data for this credit card account is reporting accurately As per the FCRA, I am requesting that you conduct a thorough investigation into these discrepancies and either correct the information or remove/ delete it from my credit report. Additionally, I would like you to review the Metro 2 guidelines to ensure that all reporting is in compliance for data furnishing.

Please be aware that under Section 611 of the FCRA, you are required to complete your investigation within 30 days of receiving this dispute letter. If you are unable to verify the accuracy of the information within this time frame, you must remove the disputed items from my credit report. I also respectfully request proof of this alleged item to be provided. By the provisor of the consumer protection laws, I demand that if unable to verify and lacking proof of the an accurate account, please delete the history Upon completion, Kindly provide an updated copy of my credit report once the investigation is completed. 

Thank you for your time and help in this matter. I personally sent this letter Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Re : XXXX Experian Re : Please remove inaccurate credit information for XXXX XXXX Amount : XXXX To Whom it may concern : This letter serves as a formal complaint that you are reporting inaccuracies, incomplete and incorrect payment history information on the credit card listed on my credit report. The following credit card is reporting errors and inaccurate information, which may be in violation of the Fair Credit Reporting Act ( FCRA ) and the Metro 2 guidelines, both of which require accurate and complete reporting of consumer credit information. 
Please investigate and verify that all data for this credit card account is reporting accurately As per the FCRA, I am requesting that you conduct a thorough investigation into these discrepancies and either correct the information or remove/ delete it from my credit report. Additionally, I would like you to review the Metro 2 guidelines to ensure that all reporting is in compliance for data furnishing.

Please be aware that under Section 611 of the FCRA, you are required to complete your investigation within 30 days of receiving this dispute letter. If you are unable to verify the accuracy of the information within this time frame, you must remove the disputed items from my credit report. I also respectfully request proof of this alleged item to be provided. By the provisor of the consumer protection laws, I demand that if unable to verify and lacking proof of the an accurate account, please delete the history Upon completion, Kindly provide an updated copy of my credit report once the investigation is completed. 

Thank you for your time and help in this matter. I personally sent this letter 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 non-monetary relief
Consumer complaint received 2025-06-24 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company 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 2025-06-24 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have been contacting capital one for awhile about a fraudulent account opened using my personal information. They keep reporting this account on my credit report even after I have provided supporting identity theft documentation. I need this account to be removed and deleted immediately it is hurting me financially

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: NC

Complaint narrative:
I am submitting this complaint because a consumer reporting agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Following my dispute of inaccurate information on my credit report, I submitted a formal requestpursuant to 15 U.S.C. 1681i ( a ) ( 7 ) and 1681e ( b ) seeking a clear and comprehensive explanation of the reinvestigation process. Specifically, I asked for details regarding the verification steps taken, the name, address, and telephone number of the data furnisher, and any documentation relied upon to justify the continued reporting of the disputed information.

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 2025-06-24 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company 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 2025-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I sent a check written on my Chase checking account to my XXXX and it was stolen from the payee and cashed at XXXX without an endorsement. The check was obviously " washed '' with a new name written where the original payee 's name was. The check was for {$8400.00} and was written XX/XX/XXXX and mailed shortly thereafter. In early XX/XX/XXXX the intended payee stated that they did not receive payment. I sent them my statement from Chase that showed payment. They reviewed their statements and showed me they were not paid. I requested the cashed check from Chase and received it on XX/XX/XXXX, which is when I discovered the fraud. I made a formal claim to Chase to reimburse my money and they have refused. I have written them XXXX  times and had a telephonic discussion with a manager, but they refuse to pay and refuse to give me information on which XXXX it was cashed at and why their fraud protection did not pick up on the unendorsed, fraudulent check.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint against Synchrony Bank and XXXX regarding the abrupt and unexplained closure of my Venmo Credit Card account. 

Despite having maintained responsible use of the account, I was notified that my card was suddenly closed without warning, without cause, and without the opportunity to remedy or even understand the reason behind the decision. This action was not only disorienting but has caused me XXXX XXXX and inconvenience, especially considering I was relying on the card for essential purchases. 

My attached XX/XX/year> credit card statement clearly shows a consistent pattern of small, legitimate purchases mostly from routine merchants such as XXXX and XXXX. There are no late payments, no overdrafts, no fraudulent activity, and no violations of any usage terms to justify account termination. Furthermore, the account was in good standing. 

I made multiple attempts to contact XXXX and Synchrony Bank to get clarification and resolve the issue amicably, but I was met with vague responses and no clear reasoning. This leaves me to believe the account closure was arbitrary and potentially discriminatory, or based on flawed internal processes or algorithms with no transparency. 

I am requesting that the CFPB : Investigate the rationale behind this account closure. 

Determine whether my consumer rights were violated under the Fair Credit Reporting Act ( FCRA ), Equal Credit Opportunity Act ( ECOA ), or any other relevant regulation. 

Push for reinstatement of the account, or at minimum, a detailed written explanation from Synchrony Bank and XXXX. 

I have attached a copy of my latest credit card statement for your review. I am prepared to submit further documentation if necessary. 

Thank you for your time and advocacy on behalf of consumers like me. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXXXXXX 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 2025-06-24 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: TX

Complaint narrative:
I am submitting this request to dispute and remove accounts that were fraudulently opened in my name. I never authorized them, and they should not appear on my credit file. Under 15 U.S. Code 1681g, please delete them within 15 days. Supporting documents are included.

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 2025-06-24 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: MO

Complaint narrative:
This account was charged off in XX/XX/XXXX. It continues to report on my credit report as a Charge off every month after XX/XX/XXXX. I never received a 1099 C from XXXX. I disputed it on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and the results of the dispute stated " Information on this item has been updated. Please review your report for the details. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: IL

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXXXXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 an fraudulent inquiries : 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 XXXXXX/XX/XXXX These have led to multiple fraudulent hard inquiries, appearing on my consumer credit report. I have attached a list of the disputed hard inquiries, along with a copy of my consumer credit report from your records, which reflects these fraudulent items. 

I do not recognize the reported hard inquiries. These inquiries were not authorized, or initiated by me. They are the direct result of identity theft and fraud. As proof, I have attached a copy of the FTC Identity Theft Criminal Complaint # XXXX from the U.S. Federal Trade Commission, confirming that these 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 2025-06-24 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: OH

Complaint narrative:
I was a victim of identity fraud because of the credit breach. These credit reporting companies are important and accurate and fraudulent accounts on my Credit file that I asked to be removed and deleted. I never gave any knowledge of this information.

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 2025-06-24 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: MI

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