vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-01 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: FL

Complaint narrative:
I am writing to dispute fraudulent information that appears on my credit report pursuant to 15 U.S.C. 1681c-2, and to formally request that this information be blocked or removed. I am including a copy of my identity theft report issued by the Federal Trade Commission ( FTC ) XXXX as supporting evidence for my claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block or delete any information identified by the consumer as resulting from identity theft within XXXX ( XXXX ) business days. 
The following information on my credit report is the result of identity theft and must be blocked : XXXX XXXX XXXX XXXX - XX/XX/year> As outlined in 15 U.S.C. 1681c-2, I am formally requesting that this fraudulent information be blocked or removed immediately from my credit report. This information should remain blocked for a period of XXXX year, after which I XXXX request an extension. During this time, no fraudulent data should continue to appear in my file. 
I have contacted the credit bureau reporting these fraudulent accounts multiple times, and they have failed to provide me with an effective resolution. This situation is severely affecting me and feels like a never-ending cycle. I do not understand how these accounts can still be reported as mine when I have already proven otherwise. 
Please help me by removing these accounts immediately. I am including my FTC report again, hoping that you will make a better and fairer decision in my case. Thank you for your attention.

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 2025-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: FL

Complaint narrative:
XXXX Chime closed my account claiming they were sending me refund check I had to have them so call cancel the first one and send it to another address Ive never received not one or either supposedly checks sent no email follow up like they say will be done its ridiculous \n\nIve been with chime since 2017 they just recently closed my accounts XXXX they locked from accessing my account an getting my money I get a government check from social security for my mental Ive called them over and over and over again they give me no answers I called this morning my money is still on my account so how did they ever mail me a check 2 1/2 months ago. This is ridiculous my accounts shouldve never even been closed in the first place'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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: OH

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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: CO

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 2025-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I made a XXXX XXXX charge on my Capital one credit card unaware that it would be considered a cash advance Capital one never told me. I paid the amount in full the following statement. However Capital one has been charging me a cash advance fee of XXXX $ every month for the last two years since and will not stop even after 5 phone calls with supervisors..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I have a credit card with synchrony bank that was under 0 % APR. with our warning or notice, Synchrony bank began charging interest. I did not receive written or electronic notification that the promotional rate was ending, which I understand is required by law. 
I have always made our payments on time and maintained my account responsibly. I contacted Synchrony customer service to request a courtesy adjustment, they refused to help or escalate my case, even though I was never given proper notice before interested was applied. This has caused unexpected financial hardship and feels like an unfair and deceptive practice. I am requesting that the CFPB investigate and require synchrony bank to remove the improperly charged interested.

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 2025-09-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OPORTUN FINANCIAL CORPORATION
State: NJ

Complaint narrative:
The account listed as XXXXMETABK is showing on my credit report with a highest balance of {$1000.00}, a reported balance of {$0.00}, and a last update date of XX/XX/year>. This account is closed and carries a {$0.00} balance, yet it continues to appear on my report as a derogatory item.

Reporting a closed account with a {$0.00} balance as negative is misleading and inaccurate. This tradeline is no longer collectible, but it continues to damage my credit score and my ability to obtain financing. This violates the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) & 1681i ), which requires that credit information be accurate and not misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-02 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: AZ

Complaint narrative:
Subject : Complaint Against Experian Credit Bureau for FCRA Violations Dear CFPB, I am filing a formal complaint against Experian Information Solutions , Inc. for violations of the Fair Credit Reporting Act ( FCRA ). There has been a Chase Bill Pay account listed as XXXX  account and XXXX XXXX XXXX Bankruptcy listed on my credit report that I have continuously dispute and has even been told over the phone my dispute have been canceled for no reason. After refilled, it was not properly investigated it was just closed again. 

Experian has continued to report inaccurate information on my credit file. I submitted a disputes over 5 times and yet Experian failed to conduct a reasonable investigation as required under 15 U.S.C. 1681i. The bureau verified the disputed account ( s ) without providing evidence or documentation from the creditor. This demonstrates Experians failure to investigate in compliance with federal law.

Their actions have caused me harm, including [ denial of credit, higher interest rates, emotional distress, etc. ]. I request that the CFPB take enforcement action to ensure Experian complies with its legal obligations. 

Attached are copies of my disputes, Experians responses, and supporting documents. 

Thank you for your assistance.

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 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Im writing because I discovered a credit inquiry on my report that I did not authorize or consent to in any way. This inquiry was done online and is completely fraudulentI had no knowledge of it until I reviewed my credit report. 

Let me be absolutely clear : I did not apply for any credit, service, or product that would have required this inquiry. I never gave anyone permission to access my credit file, and I certainly did not authorize it through any online platform. This is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires any credit inquiry to be made only with my explicit consent and for a legitimate, permissible purpose. 

This is identity misuseplain and simple. And I should not have to suffer the consequences of a fraudulent action I had no part in. A hard inquiry, especially one that I did not authorize, affects my credit score and puts my financial reputation at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX, TX, ZIP XXXX ] [ Date. XX/XX/year> [ XXXX XXXX XXXX. XXXX XXXX XXXX ] [ Agency Address ] [ City, XXXX, ZIP Code ] Re : Account No. [ XXXX ] [ XXXX XXXX XXXX. XXXX XXXX XXXX ] [ Agency Address ] [ City, XXXX, ZIP Code ] [ Collection Agency Name. XXXX XXXX XXXX ] [ Agency Address ] [ City, XXXX, ZIP Code ] Re : Account No. [ XXXX ] [ XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ] [ Agency Address ] [ City, XXXX, ZIP Code ] Re : Account No. [ XXXX ] [ XXXX XXXX XXXX. XXXX XXXX XXXX ] [ Agency Address ] [ City, XXXX, ZIP Code ] Re : Account No. [ XXXX ] [ XXXX XXXX XXXX. XXXX XXXX XXXX ] [ Agency Address ] [ City, XXXX, ZIP Code ] Re : Account No. [ XXXX ] [ XXXX XXXX XXXX. XXXX XXXX XXXX ] [ Agency Address ] [ City, XXXX, ZIP Code ] Re : Account No. XXXX ] To Whom It May Concern, I am writing in response to your attempt to collect the above-referenced debt. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am formally requesting that you provide proper validation of this alleged debt. 

Unless you can provide documented proof that I legally owe this debt and that you have the right to collect it, you must : Cease all collection efforts ; and Refrain from reporting this account to any credit reporting agency ; or If already reported, immediately remove/delete the negative item from my credit reports with all consumer reporting agencies ( Experian, XXXX XXXX  ) XXXX 

Please provide the following as proof of the debt : The original signed contract or agreement showing that I am legally obligated ; A complete payment history and itemized statement showing how the amount was calculated ; Documentation that you are legally authorized to collect on this account. 

Be advised that until you provide such validation, any continued collection activity or negative reporting may constitute a violation of the FDCPA and FCRA, for which I will not hesitate to pursue my rights. 

If you can not provide the requested documentation, I demand that you immediately cease all collection efforts and permanently delete this account from any and all credit reporting agencies. 

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 2025-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
CREDENCE RMAND XXXX falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RMAND XXXX  is a debt collector. They are falsely reporting on my credit!! Account number is XXXX AND 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 non-monetary relief
Consumer complaint received 2025-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Zendable, Inc.
State: FL

Complaint narrative:
Never received zable credit card. Request was sent via telephone speaking with agent. They send sent card 3xs. I never received a card. Card was never used. Very unprofessional. I requested my info be removed from reporting agencies. As I never received this card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

Please see the attached disputes sent over the last few months.

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 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

Please see the attached disputes sent over the last few months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: LA

Complaint narrative:
This is a follow-up complaint providing new evidence regarding TransUnions reporting of a XXXX XXXX XXXX  credit card account. I previously disputed this tradeline with TransUnion, but the bureau marked it verified without producing documentation or proof of accuracy. 

I have since obtained new evidence from XXXX XXXX. On XX/XX/year>, the bank issued XXXX contradictory letters about this same account, followed by letters on XX/XX/XXXX and XX/XX/XXXX. These responses admitted a charge-off but failed to provide billing statements, account-opening disclosures, proof of the Date of First Delinquency ( DOFD ), or delinquency notices. The contradictions show that the furnisher can not substantiate the account. 

Despite this, TransUnion continues to report the account. This violates the Fair Credit Reporting Act ( FCRA 611 and 607 ( b ) ), which requires a reasonable reinvestigation and maximum possible accuracy. It also implicates the Truth in Lending Act ( TILA/Regulation Z ), because the furnisher has not produced billing statements ( XXXX ), account-opening disclosures ( XXXX ), or handled billing error disputes ( XXXX ). Without these required documents, the tradeline can not be considered verified.

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