vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 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: ND

Complaint narrative:
My identity has been stolen, and someone has been fraudulently using my personal information to obtain loans and secure employment. I was unaware of this activity until I began receiving notices and inquiries about accounts and debts I never opened or authorized. This has caused significant emotional distress and has damaged my credit and reputation. I have taken immediate steps to report the identity theft to the proper authorities, including notifying credit bureaus. I am actively working to resolve the situation and clear my name. I am a victim of identity theft and had no involvement in the fraudulent activities committed under my name. I respectfully ask for understanding and cooperation as I continue to navigate and recover from this violation of my personal and financial security. Thank you for your time and consideration in reviewing this matter.

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Request for Validation and Assignments of Debt Account Number : XXXX XXXX Account number XXXX This letter is a formal request for validation and verification of the debt you claim I owe, as provided under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. 

Please provide the following : XXXX. The name and address of the original creditor. 
XXXX. A copy of the original signed contract or agreement under which the debt arose. 
XXXX. A complete chain of assignment from the original creditor to your agency, including : - Copies of all documents that show the transfer or assignment of this debt. 
- Dates of each assignment. 
- Names and contact information of each prior holder. 
XXXX. The amount of the debt, with a breakdown of principal, interest, fees, and other charges. 
XXXX. Proof that you are licensed to collect debts in my state, including your license number and issuing agency. 

Be advised that until this information is provided, you must cease all collection activity as required under 15 U.S.C. 1692g ( b ). 

Please note, I am not acknowledging that this debt is valid. I am simply requesting that you provide full validation before I consider any further response.

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Request for Validation and Assignments of Debt Account Number : XXXX XXXX Account number XXXX This letter is a formal request for validation and verification of the debt you claim I owe, as provided under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. 

Please provide the following : XXXX. The name and address of the original creditor. 
XXXX. A copy of the original signed contract or agreement under which the debt arose. 
XXXX. A complete chain of assignment from the original creditor to your agency, including : - Copies of all documents that show the transfer or assignment of this debt. 
- Dates of each assignment. 
- Names and contact information of each prior holder. 
XXXX. The amount of the debt, with a breakdown of principal, interest, fees, and other charges. 
XXXX. Proof that you are licensed to collect debts in my state, including your license number and issuing agency. 

Be advised that until this information is provided, you must cease all collection activity as required under 15 U.S.C. 1692g ( b ). 

Please note, I am not acknowledging that this debt is valid. I am simply requesting that you provide full validation before I consider any further response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-18 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-18 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: CA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

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 2025-04-18 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: GA

Complaint narrative:
ERROR To : Consumer Financial Protection Bureau ( CFPB ) Complaint Details : I am filing a formal complaint against XXXX XXXX XXXX ( XXXX XXXX I, XXXX ) for violations of theFair Debt Collection Practices Act ( FDCPA ) and theFair Credit Reporting Act ( FCRA ). 

1. Failure to Validate Debt : On [ date you disputed ], I sent a written dispute to XXXX XXXX XXXX via [ certified mail/other method, include tracking # if possible ], requesting validation of the alleged debt. XXXX hasfailed to provide any documentationproving I owe this debt, including : o A signed contract or agreement bearing my signature. 
o A detailed account history showing how the debt was calculated. 
o Proof of legal ownership of the debt ( chain of custody ). 

2. Violation of 30-Day Response Requirement : Per the FDCPA ( 15 U.S.C. 1692g ), XXXX was required to respond to my dispute within30 daysbut hasfailed to do so. Their lack of response renders the debt unverified, yet they continue to report it to credit bureaus. 

3. Harassment & Extortion Attempts : XXXX continues to report this invalidated debt to credit bureaus, damaging my credit score. This constitutes harassment under the FDCPA, as they are attempting to collect a debt they can not legally verify. 


4. Demand for Immediate Correction : o Removethe fraudulent collection account from my credit reports ( Experian, Equifax, TransUnion ) immediately. 
o Cease all collection efforts, including credit reporting, unless they provide lawful validation. 
o Confirm in writingthat the debt has been deleted and will not be resold.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: GA

Complaint narrative:
ERROR To : Consumer Financial Protection Bureau ( CFPB ) Complaint Details : I am filing a formal complaint against XXXX XXXX XXXX ( XXXX XXXX I, XXXX ) for violations of theFair Debt Collection Practices Act ( FDCPA ) and theFair Credit Reporting Act ( FCRA ). 

1. Failure to Validate Debt : On [ date you disputed ], I sent a written dispute to XXXX XXXX XXXX via [ certified mail/other method, include tracking # if possible ], requesting validation of the alleged debt. XXXX hasfailed to provide any documentationproving I owe this debt, including : o A signed contract or agreement bearing my signature. 
o A detailed account history showing how the debt was calculated. 
o Proof of legal ownership of the debt ( chain of custody ). 

2. Violation of 30-Day Response Requirement : Per the FDCPA ( 15 U.S.C. 1692g ), XXXX was required to respond to my dispute within30 daysbut hasfailed to do so. Their lack of response renders the debt unverified, yet they continue to report it to credit bureaus. 

3. Harassment & Extortion Attempts : XXXX continues to report this invalidated debt to credit bureaus, damaging my credit score. This constitutes harassment under the FDCPA, as they are attempting to collect a debt they can not legally verify. 


4. Demand for Immediate Correction : o Removethe fraudulent collection account from my credit reports ( Experian, Equifax, TransUnion ) immediately. 
o Cease all collection efforts, including credit reporting, unless they provide lawful validation. 
o Confirm in writingthat the debt has been deleted and will not be resold.

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Lawful Notice to Correct My Appellation under the FCRA and Name Accuracy in Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX  GA XXXX c/o [ XXXX, without the U.S. ] SSN : XXXX Date : XX/XX/XXXX To : [ Equifax / Experian / TransUnion send one letter to each, separately ] Subject : Lawful Notice to Correct My Appellation under the FCRA and Name Accuracy in Credit Reporting Act To Whom It May Concern, I, XXXX XXXX XXXX XXXX XXXX a XXXX XXXXXXXX XXXX and natural living being, am asserting my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Name Accuracy in Credit Reporting Act of 2023, to demand the immediate correction of my personal identifying information within your records. 

This letter constitutes Lawful Notice and Demand to correct all credit records to reflect my proper and lawful appellation : Correct Appellation : XXXX XXXX XXXX XXXX XXXX immediately and expeditiously, any and all past misnomers, including but not limited to : * XXXX XXXX XXXX * XXXX XXXX XXXX XXXX XXXX * Any ALL-CAPS derivatives are inaccurate and do not reflect my lawful status or identity as a XXXX XXXXXXXX XXXX XXXX Their continued use constitutes misrepresentation and must be corrected immediately. 

I formally demand that your office : 1. Update all credit records to reflect the accurate legal name : XXXX XXXX XXXX XXXX 2. Remove any erroneous, incomplete, or outdated name variations 3. Confirm in writing that the updates have been completed, as required within 30 days under federal law Enclosures : * Rcorded Name Declaration or supporting affidavit * NationalityIssued Identification * Proof of mailing location ( e.g., recent utility statement ) XXXX XXXX  Credit Report Proof Of Incorrect Names Failure to comply may result in a formal complaint being filed with the Consumer Financial Protection Bureau, Federal Trade Commission, and/or further legal action for willful non-compliance, misidentification, or violation of consumer rights under federal statutes. 

Respectfully in Honor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX [ XXXX ] Georgia Republic [ XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I know that XXXX and doge are trying to shut down the CFPB, but I really need your help! 

This credit card my XXXX recommended called Care Credit by Synchrony Bank is a total scam. 

When I desperately signed up to care for my XXXX XXXX XXXX medical bills, this bank did not make it clear they would be charging BACK interest after the 18 month interest-free period was over. This is unlike any credit card Ive had before and seems sketchy. 

I logged on the other day to submit my monthly payment and was taken aback to see a $ XXXX interest fee added out of nowhere. 

This bank / creditor did not make this apparent when I agreed to the terms and I was mislead since a trusted source provided the recommendation. 

I have contacted customer support and they didnt care at all and acted like this is common knowledge. They also told me the payment I made doesnt even count toward the principal, I would have to contact them and specify before making a payment.

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 2025-04-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
I made a purchase with XXXX through AFFIRM paid for my items in full and completed my loan. The XXXX  fell apart and I contacted XXXX who approved a refund. I submitted all corresponding emails to Affirm as well as my bank. After my bank refunded the money AFFIRM reopened the loan and is trying to double dip. Now they hang up when I call and get to the part we're I submitted they information to get my money back. Am so frustrated and I don't want my credit ruined.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have been a Chase customer for over 30 years. On XX/XX/year>, I was notified by Chase that they are closing my personal Checking/Savings, and numerous CC accounts. I filed numerous complaints to try and stop them from closing these accounts due to the tremendously adverse affects it would have on me and my family. Chase would not provide any details as to why they were closing my accounts, and they eventually did close those accounts. The result has been devastating. I am at risk of losing out on XXXX points with XXXX ; XXXX miles with United airlines , XXXX points with XXXX XXXX , and over XXXX points with XXXXXXXX XXXX . 

Throughout that process, they notified me that my Business Checking account would not be affected and would remain open. A couple of weeks ago, I was notified by Chase that they are now going to close my Business Checking account, even though they had stated they wouldn't touch those accounts. 

I have a very strong suspicion that Chase is acting in malice, and their actions are based on XXXX XXXX XXXX in violation of the Equal Credit Opportunity Act. I strongly urge you to investigate this matter in detail. Chase is closing the accounts of law abiding XXXX all over the country for seemingly no reason other than XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION

Complaint narrative:
I attempted to dispute a charge from XX/XX/year> with the merchant XXXX in the amount of {$510.00}. XXXX acted fraudulently in refusing to honor a full refund for a property I booked, but did not stay in, due to it being unhabitable. I submitted extensive and very thorough documentation to Navy Federal Credit Union proving that XXXX 's conduct was fraudulent. XXXX responded to the chargeback stating that they did not act in violation of their terms and conditions ( they did, and I submitted irrefutable proof that they did in fact violate their TOS ). At this point, a reputable credit card company that offers adequate consumer protections against fraudulent charges should have honored the dispute and granted me a refund, regardless of whether or not they were able to recover the money from the merchant. However, Navy Federal chose to take the merchant 's side in this complaint and deny my dispute. They stated that there was nothing further that they could do and suggested I continue to follow-up with the merchant or take legal action. I am filing this complaint so that there is a record viewable by the public about the unethical conduct of this company. They do not offer any form of protection against fraudulent charges from third-parties, which is literally the function of a credit card and the dispute process. I would strongly encourage anyone who views this complaint in the future to select another credit card company to work with. Save yourself the anguish and suffering of permanently losing money to fraud. If you are unlucky enough to have a company scam you and refuse to budge on repayment ( which isn't extremely common but does occur at times ) Navy Federal Credit Union will not help you and will not reimburse you. They will take the merchant 's side regardless of how clear your case is. They are in the business of making money at any cost, not helping their customers. Beware.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

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