vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 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: AZ

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX, I hired an attorney ( XXXX XXXX ) to dispute a negative tradeline reported by XXXX XXXX XXXX XXXX that appeared on my Experian credit report. The account was related to a misrepresented timeshare purchase. I submitted documentation and authorized the attorney to act on my behalf. 

Between XXXX and XX/XX/XXXX, I followed up multiple times to request updates and evidence of progress. I later disputed the item with Experian directly when I saw no changes. 

In XX/XX/XXXX, Experian responded in writing stating that the dispute documentation provided by the law firm was not sufficient and that the item had been verified through public records and vendor confirmation. No documentation was provided to prove the debt or validate the balance. 

I contacted the law firm again in XX/XX/XXXX requesting a refund or a clear explanation of next steps. I received no resolution. 

I am asking that this tradeline be removed due to inaccurate and unverified reporting, and that Experian be held accountable for failing to provide proper documentation or conduct a thorough investigation. I also request that XXXX XXXX XXXX Vacations provide proof of the alleged debt or remove the item from all credit reporting agencies.

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 2025-08-06 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: TX

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : 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 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 2025-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-06 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Dave Operating, LLC
State: NC

Complaint narrative:
I am filing this complaint regarding Dave XXXX XXXX Inc. and its financial product called XXXX, which I believe violates both consumer protection standards and XXXX XXXX prohibition on payday lending. 

Dave advertises itself as an alternative to payday loans, yet charges a 5 % service fee on each cash advance, with a minimum of {$5.00} and a maximum of {$15.00} regardless of the repayment period. In addition, they offer express delivery to an external debit card at an extra 1.5 % fee, pressuring users to pay more to access their funds quickly. 

In my experience, this fee structure especially when combined with automatic repayment from linked external bank accounts functions no differently than a payday loan. In one instance, the automatic withdrawal from my bank account resulted in an overdraft, triggering an additional {$35.00} fee from my bank. Dave did not offer adequate notice, nor did they take any responsibility for causing the overdraft. 

To be clear, I did not agree to interest-bearing terms, and I was not given a traditional loan agreement. Yet I was charged significant fees that resulted in a much higher cost than initially disclosed. These fees, paired with the short repayment cycle and lack of meaningful consumer protections, are exploitative and potentially illegal under XXXX XXXX XXXX XXXX  XXXX, which bans payday lending and similar subterfuge practices. 

I am requesting : A formal investigation into Dave XXXX , IncXXXX and its XXXX  service A refund of all service fees and any resulting bank overdraft charges A review of their practices to determine whether they are violating XXXX XXXX lending laws or federal consumer protection standards

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
This complaint is in reference to a previous CFPB complaint I filed on XX/XX/year>, regarding National Credit Systems ( NCS ) collecting a rental debt I disputed in writing on XX/XX/year>. 

NCS failed to provide me with proper validation of the debt, instead forwarding vague invoices and photo attachments from XXXX XXXX ( the original creditor ), without context or itemization. These charges include normal wear and tear and pre-existing damage. 

Their recent response simply stated that XXXX  contends the debt is valid. They did not provide me with any direct explanation, proof, or evidence. Instead, they passed the burden back to me. 

I partially paid this debt under pressure from an NCS representative who threatened immediate credit bureau reporting. Since then, I have filed a complaint with the Florida Attorney General and am still seeking proper validation or removal of the debt. 

I am requesting the CFPB require NCS to either properly validate the debt ( with itemized, justified documentation ) or remove the account from collection and credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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 have repeatedly submitted a formal identity theft block request to Experian under FCRA 605B for an unauthorized account reporting from XXXX XXXX XXXX ( Account # XXXX ). I included all required documentation, including my FTC Identity Theft Report, sworn Affidavit of Truth, and proof of identity and address.

Despite this, Experian continues to verify and reinsert the account most recently on XX/XX/2025 without providing me written notice as required under FCRA 611 ( a ) ( 5 ) ( B ). I also spoke to a fraud supervisor who told me they are treating this as a regular dispute, which violates federal law.

I have done everything on my end as a victim of identity theft, and I am requesting Experian to immediately : Remove the XXXX XXXX XXXX account permanently Acknowledge and uphold my 605B block request Stop reporting this fraudulent account and send confirmation of removal This situation has caused undue stress and is interfering with my ability to secure credit and protect my name. I am asking the BBB to help facilitate resolution or I will be pursuing legal action under the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I identified an account on my credit file that I did not authorize, apply for, or open. This is a clear case of identity theft and is seriously affecting my credit.

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 2025-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NC

Complaint narrative:
XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, XXXX XXXX Subject : Escalation - Possible EFTA and UDAAP Violations by Cash App ( Block, Inc. ) Dear Consumer Financial Protection Bureau, I am writing to escalate my ongoing complaint against Cash App / Block , Inc., as I have received no resolution, funds release, or meaningful response since I filed my original complaint. 
Summary of Incident : On XX/XX/year>, I accidentally typed the word " Cuban '' in a Cash App transaction note ( intending to say " car note '' ). This resulted in my entire account being frozen, with no explanation or opportunity to clarify. I have not been contacted with a clear reason for the hold or any request for documentation. I have since reached out to Cash App, Block, OFAC, and others- with no resolution. 
I am unable to pay my rent, bills, or buy food, and this has caused extreme financial hardship. 
Alleged Violations by Cash App : XXXX. Failure to comply with EFTA regulations by not providing timely, written notice regarding the funds hold 2. Unfair or abusive practices ( UDAAP ) by restricting access to my own funds without investigation or response 3. Possible misclassification of a domestic transaction as a sanctions violation without merit or OFAC basis 4. Failure to provide a clear resolution timeline, placing me in prolonged financial distress I respectfully request that the CFPB : - Demand a response and timeline from Cash App within 7 days - Review whether this situation qualifies as a violation of EFTA or UDAAP - Take appropriate enforcement action if necessary Thank you for your help in holding financial institutions accountable and protecting consumers like me. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Rubin & Rothman, LLC
State: NY

Complaint narrative:
After a lease was turned in on time, all payments were made to satisfy the lease, with no overage of miles we were notified by XXXX XXXX XXXX XXXX that the miles were over and they tacked on fees and charges additionally. Now interest as well. For something we should have not been charged for in the first place. 
We requested a signed odometer statement to prove this from both XXXX and the attorney Rubin & Rothman LLC.

We have never received this statement and have attempted many time over the years to clear this matter up.

Everyone should be aware and take photos of your mileage and get signed documents when turning in a 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 2025-08-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have an XXXX XXXX XXXX. After an app update, I accessed my account today and was directed to the security screen. I discovered that, in addition to my XXXX XXXX XXXX, an XXXX XXXX XXXX is also authorized to my account and has been accessing my bank account daily. I never got informed about this, and this shows how poor the Chase security is. I'm terrified to know that someone has been stalking my account every day, had access to all my information, and the bank never informed me or thought this was suspicious, since I am the only user of my account, it is an individual one. When I contacted Chase this morning, they said they have no information ; they don't know where this device is located. When it was added as an authorized device to access my account, nothing. How is this possible? Even XXXX and XXXX send me an alert when a new device accesses my account, showing the device information and location. It's unbelievable to see XXXX of the biggest banks here in the US with such a careless security system! Funny fact : I never even owned an XXXX XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 ( XXXX ) as proof from the XXXX Federal Trade Commission that all of 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 2025-08-06 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: WA

Complaint narrative:
While Synchrony provided my statements only after my CFPB complaint, this does not resolve my original issue. Prior to filing my complaint, I never received any billing statements by mail or email, and Synchrony has not provided any proof of delivery attempts or bounce records. Under the Truth in Lending Act and Fair Credit Billing Act, timely delivery of billing statements is required prior to assessing late fees or reporting delinquencies. Retroactively sending statements as part of a complaint does not fulfill their legal obligation to provide these statements when due. I request CFPB reopen this case and require Synchrony to : XXXX. Provide documented proof of each statements delivery ( email logs or mail records ). 
XXXX. Remove or refund any late fees or interest charges that accrued during periods where statements were not delivered. 
XXXX. Confirm proper compliance procedures to prevent future failures in statement delivery. 

I believe Synchronys response fails to address these compliance obligations, and I request further investigation and enforcement.

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 2025-08-06 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: GA

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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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