vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 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: DISCOVER BANK
State: MN

Complaint narrative:
I'm writing to explain a situation involving fraudulent activity that has severely impacted my credit history. I respectfully request a formal review of my credit report and the removal of negative marks specifically charge-offs and late payment records that resulted from this incident.

Over the last two years, I have discovered that a job I thought was legitimate was a scam. This involved credit card purchase activity on my account. After thoroughly reviewing my statements and contacting my card issuer, it became clear that the job requirement involving purchasing and shipping items was a scam. These fraudulent transactions went unnoticed for some time, during which bills were left unpaid not by my choice or negligence, but as a result of the scam.

By the time I was made aware of the issue, the account had already gone into delinquency and eventually was charged off. I took immediate steps to report the fraud to the creditor, file a report with my state commission 's office, and notify the Federal Trade Commission ( FTC ) and XXXX  I also placed a fraud alert on my account and attempted to call the creditors to seek information on what to do. 

Despite my efforts, these fraudulent charges and the resulting negative credit activity remain on my credit report. The late payments and charge-offs do not reflect my true credit behavior or financial responsibility, as they were directly caused by criminal activity beyond my control. 

Ive always taken my financial obligations seriously, and its painful to see my credit standing damaged by something I didnt cause. I ask for your understanding and cooperation in correcting my credit file and removing these harmful entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: TX

Complaint narrative:
XX/XX/XXXX IN XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Chase closed my account due to suspicious activity and no reason why ... they told me 10 business days to close the account and they will send me a check for the funds in the account, been 10 business days and now theye can only tell me its under review. No date on returning my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XX/XX/ 2025, I mailed a formal dispute letter to Experian requesting the removal of several unauthorized hard inquiries that appeared on my credit report. These inquiries were made without my authorization and I explicitly requested proof of authorization from the companies involved. Experian never responded to my dispute nor provided any documentation supporting the legitimacy of these inquiries. This inaction is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). I respectfully ask the CFPB to intervene so that these inquiries are investigated and removed. I have attached the original dispute letter as supporting documentation.

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 2025-05-29 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: CT

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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 non-monetary relief
Consumer complaint received 2025-05-29 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: CT

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RentDebt Automated Collections, LLC
State: AL

Complaint narrative:
I submitted a written dispute to said creditor regarding an account that is inaccurate and/or unverifiable. Under 15 USC 1681i, I have the legal right to a full reinvestigation. The company failed to properly investigate and continues to report inaccurate information.

Additionally, they are in violation of : - 1681s-2 for reporting false or unverified data, - 1681e ( b ) for failing to ensure maximum possible accuracy, - 1681c for reporting obsolete/outdated information.

I demand that this account be immediately removed as it violates multiple federal laws. I request that the CFPB step in and force compliance with the FCRA. Failure to resolve this issue constitutes willful noncompliance under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Byrider Franchising, LLC
State: MA

Complaint narrative:
I am being charged two different amounts on one credit account. I took a car from a dealer and lost my job and now I am being charged two different bills on the same account. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: FL

Complaint narrative:
It is unacceptable that the XXXX XXXX XXXX XXXX account ( XXXX ), removed as of last XXXX, has been improperly reinserted without the required written notice, furnisher certification, or notification of my dispute rights. This violates 15 USC 1681i ( 5 ) ( B ) ( iii ), and also breaches 15 USC 1681e ( b ), which mandates maximum possible accuracy, and 15 USC 1681b, which limits furnishing reports to permissible purposes. Furthermore, Equifaxs actions constitute negligent noncompliance under 15 USC 1681o. This unauthorized reinsertion has harmed me by damaging my credit profile, causing emotional distress, and potentially limiting access to credit or increasing borrowing costs. The inaccurate account misleads lenders and unfairly impacts my financial reputation. Under 15 USC 1681n and 1681o, Equifax is liable for statutory damages of up to {$1000.00} per violation. I demand immediate and permanent removal of this account. If ignored, I will aggressively pursue all legal remedies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Total Card, Inc.
State: NV

Complaint narrative:
This happened with XXXX XXXX XXXX  XXXX XXXX  I received a letter dated XX/XX/XXXX2025 on the week of XX/XX/XXXX2025 stating that my account has had restrictions placed on it for security reasons. I was told to contact them immediately to verify the card was in my possession. The letter states once Ive spoken to them and verified all the information on my account. They will either remove the restrictions or close the account and issue a new account number. When calling total visa on XX/XX/XXXX they stated to me that the account has already been closed and no account new number has been issued and they can not reopen the account. I have had my account open for less than a year. Have already paid my initial fees as well as annual fees and was given no remedy to help get the account back or to be reimbursed, my initial fees. 
They closed my account abruptly, gave me contradicting information & did not try to reach me via phone or email. Not even an in app notification.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: SC

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXXXXXX XXXX XXXXXXXX XXXXVERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX  XXXX  BANKRUPTCY XXXX XXXX XXXX  XXXX  XXXX  that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-05-29 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: NV

Complaint narrative:
I did not give XXXX permission to view and obtain my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-05-29 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 XXXX major credit reporting agents are reporting unauthorized fraudulent inquiries on my credit report. Please see attached dispute letter and ftc report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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 XXXX major credit reporting agents are reporting unauthorized fraudulent inquiries on my credit report. Please see attached dispute letter and ftc report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Bank was informed by certified mail that I did not owe them. I sent a copy of the certified letter that I had sent to XXXX XXXX refusing any more treatments on XX/XX//2004. XXXX  XXXXXXXX XXXX XXXX  was used for the one treatment I had. 

However, they continue billing me. 

This XXXX XXXX XXXX makes you sign a lot of paperwork before seeing her. One of many was for a Care Credit, which I didn't need as I have credit cards. It was for additional treatments worth XXXX. I questioned the front desk and they said if you don't sign you won't see the Doctor. 

This is 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 2025-05-29 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: MD

Complaint narrative:
I'm writing to dispute a fraudulent inquiry that was made on my credit report online and without my knowledge or consent. I did not authorize this in any way, and I had no involvement with whoever pulled my credit. 

This kind of unauthorized access is completely unacceptable. I dont take lightly to my personal information being misused, and I expect this to be handled immediately.

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 2025-05-29 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: GA

Complaint narrative:
Due to a data breach that exposed my personal information, fraudulent accounts have surfaced on my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-29 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:
Due to a data breach that exposed my personal information, fraudulent accounts have surfaced on my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: NY

Complaint narrative:
Very very very very crooked and they have a habit of discriminating against their customers because I am being discriminated against because my XXXX prefer that they close the account as I asked them to do in the last complaint but they're holding my money still They have not sent out a check even though saying that they sent me out a check on XXXX Send messages through this portal about a check with mailed out on XX/XX/XXXX with no check with mailed out cuz I have not received it The only check I received was for the two savings accounts that they closed and they have {$0.00} I have not received my check for my {$400.00} that was on XX/XX/XXXX th as per XXXX XXXX I've been emailing and calling her she does not answer I've been talking to customer service again and once again I'm being distracted disrespected hung up on and talk to me very disrespectfully and discriminated distance really out of control but I'm doing this about another week and then I'm getting law enforcement and attorneys involved

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I closed my XXXX account due to me being in XXXX XXXX  and unable continue payments. The account was closed but they have started reporting my account as negative and late. There isn't a balance owed for the account. One closed XXXX  account is now showing 2 XXXX accounts on my XXXX, XXXX  and XXXX. One is showing closed and the other is showing " in good standing ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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