vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 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: GA

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2025-03-24 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: NV

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
My XXXX was accredited XXXX $ cash and awarded a XXXX $ gift card which I have not received it's been 5 months and I received nothing!

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 2025-03-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc.
State: NY

Complaint narrative:
As my point of with this loan that I took out years ago and it shows in my credit report as a Delinquent account which I feel like it shouldn't be on my credit report showing as that but overall I did paid this loan a very long time ago like years ago what frustrates me is that I should have points for me paying the loan and felt like my credit scored never went up due to the Money Lion loan of {$500.00} being paid in full should be show Delinquent on my credit report although my report shows it was paid yes but don't like how it's a Delinquent profile on my credit when it shouldn't be due to me having a good payback with the company and raising my credit score which till this day I never seen it give me points would like improve this paid in full loan to show positive interest in credit report and show positive stuff to report and giving me all the credits that I deserve due to the fact that I paid this loan already and never recieved positive points on my report for paying or repaying the loan. And would love the Delinquent thing get off my report please thank you. Due to the fact that this is still going kn my report I would like the company moneylion plus or money lion loan to put positive stuff to my credit bureaus report card and knowing this Delinquent red flag which I feel like been in my report for very long time like around 3 to 4 years already not only have it removed this from my profile but give me more stuff that I deserve due to that fact that I ain't deserve this red flag on my credit report for years knowing I did everything successfully of paying the loan back and wanting my score to rise above for being a good customer and being a responsible customer.. I deserve more than just they supposedly just removing a Delinquent red flag of my credit I want more positive stuff just for me looking at a that in my credit report for a very long time of years.. I deserve better just becouse I'm responsible adult simple thanks.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: January Technologies, Inc
State: NY

Complaint narrative:
XXXX XXXX Card Amount Owed : {$650.00} Origination Date : XX/XX/year> My Place Rewards Credit Card We have cancelled collections on this account. 
Origination Date : XX/XX/year> XXXXXXXX XXXX XXXX  XXXX We have ceased collections on this account. 
Origination Date : XX/XX/year> We are required by regulation of the New York State Department of Financial Services to notify you of the following information. This information is NOT legal advice : Your creditor or debt collector believes that the legal time limit ( statute of limitations ) for suing you to collect this debt may have expired. It is a violation of the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq., to sue to collect on a debt for which the statute of limitations has expired. However, if the creditor sues you to collect on this debt, you may be able to prevent the creditor from obtaining a judgment against you. To do so, you must tell the court that the statute of limitations has expired.

Even if the statute of limitations has expired, you may choose to make payments on the debt. However, be aware : if you make a payment on the debt, admit to owing the debt, promise to pay the debt, or waive the statute of limitations on the debt, the time period in which the debt is enforceable in court may start again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: TX

Complaint narrative:
An credit inquiry from XXXX Bank appeared on my Experian credit 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 2025-03-24 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: NY

Complaint narrative:
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 : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXXXXXX XXXX BALANCED {$3400.00} These accounts has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent accounts. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts 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 2025-03-24 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: NV

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 2025-03-24 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: NV

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 non-monetary relief
Consumer complaint received 2025-03-24 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: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
I am a victim of identity theft and have a current police report on file with Chex Systems. The following inquiry viewed by others currently listed and showing on my Chex Systems Consumer Report ID : XXXX is fraudulent and unauthorized inquiry : XXXX XXXX XXXX XXXX XXXX, XX/XX/2025. The inquiry is not my inquiry.

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 2025-03-24 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: NV

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I ordered a {$3100.00} engine from XXXX. When it arrived, the mechanic charged me {$2500.00} to put the engine in just to find out that the engine wasnt working. I attempted to return the engine because the seller had a 30 day return policy and theres was about XXXX days left before the policy expired. So I asked for a return and theres merchant started stalling me, telling me he didnt want to move forward with anything else until the mechanic talked to him, however I had no time so I opened up a charge back with Chase Bank XXXX Then the merchant told me im responsible for getting his engine back, so we got his engine back to the address he gave us and I have proof as I called the shipping company and asked them to provide me with a a delivery receipt. My charge back got denied and I asked them why and they told me that the merchant said he doesnt accept returns. So then I uploaded documents and photos of his return policy to prove to them he was lying. Then they told me they couldnt re open the case because the merchant doesnt have his merchandise which is a lie because I have the receipt of the return. I tried uploading about XXXX documents to chase but they wouldnt help me. Now the merchant has the engine and my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
I tried making a purchase at XXXX  I have made purchases before from this website using my account. 
My card was declined. 
I then received a text message asking if this charge was fraud. I responded that it was authorized. I tried the purchase again. 
My card was declined. 
This is not the first time my own money has been denied me by my bank. USAA has, on numerous occasions in the past, shut down my card without warning because of legitimate purchases, leaving me without funds. 
I called USAA about XXXX on the date in question and spoke to XXXX in the Fraud Department . I wanted to make the purchase because a website sale was ending tonight. 
She could not help me. She asked if the purchase was legitimate and I said it was. I also confirmed several recent purchases, such as gasoline and a XXXXXXXX trip. There were XXXX fraudulent purchases. She could not explain why my money was being withheld from me. 
She went so far as to suggest that I use a different service, such as XXXX or XXXX, to use my own money. 
So my bank will allow XXXX to withdraw my funds from my account, but will not allow me to use my own money. 

She finally said that I would be unable to use my card, or make any purchases with my money, for 24-48 hours, until a " review '' had been done of my purchases. The purchases that I verified with her on the phone. Those purchases. 

Again, this is not the first time the bank has withheld my own money from me for an extended period. How am I supposed to buy groceries tomorrow when my card doesn't work?

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 2025-03-24 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: TX

Complaint narrative:
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 : LIST OF ACCOUNTS TO BE REMOVED XXXXXXXX XXXX XXXXXXXX {$340.00} XXXX XXXX XXXX BALANCED {$75.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX  ) XXXX BALANCED {$260.00} XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX BALANCED {$0.00} These accounts has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent accounts. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Email XXXX XXXX Date : XX/XX/year> Equifax XXXX XXXX XXXX, XXXX GA XXXX Dear Equifax, I've been affected by the data breach. The following accounts have been reporting negatively on my file. Please take a look at the attachments below. XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CreditNinja Lending, LLC
State: TX

Complaint narrative:
My information was stolen and a line of creidt was given to the suspect through credit ninja on around XX/XX/year> of the amount {$780.00} I didn't authorize my information being used

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 2025-03-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
I am writing in response to your recent communication regarding an alleged debt you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I formally dispute this debt and request full validation of your claim. Under federal law, you are required to cease all collection activities until you provide adequate verification of the alleged debt.

Request for Verification : Under 15 U.S.C. 1692g ( b ), you must provide : 1.Proof of your legal standing to collect this debt, including a valid assignment or chain of title demonstrating ownership of the debt from the original creditor to your agency.

2.A full itemization of the alleged debt, including principal, interest, fees, and all charges.

3.Copies of any contracts or agreements bearing my signature that establish my liability for this alleged debt. 
4.Proof that the original creditor did not receive any insurance payment, government relief, or tax write-off that nullifies the debt under case precedents such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

Potential Fraud Concerns : I also challenge the legitimacy of this debt on the grounds that the original creditor may have already received compensation for any alleged loss. If the creditor was insured against default or received compensation through other means ( such as an insurance policy, a tax write-off or government bailout ), then the alleged obligation may have been extinguished. Courts have held that a party can not seek double recovery for the same loss, as seen in FDIC v. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). 
Additionally, if the debt has been securitized and sold as part of an asset-backed security, the original creditor may no longer have a valid claim, as illustrated in XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ), which supports the principle that the note and security instrument can not be separated. 

Creditor Accepted payment. Account already discharged : The alleged debt was already paid and discharged by the alleged creditor. Please cease all collection activity.

Cease and Desist Notice : Under 15 U.S.C. 1692c ( c ), I demand that you immediately cease all collection efforts until you fully validate the debt. Failure to provide verification within 30 days will constitute a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, and I reserve my right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 

SOUTHWEST CREDIT SYSTEM XXXX

Company response to consumer: Closed with non-monetary relief