vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 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: MI

Complaint narrative:
I XXXX XXXX am A victim of Identity theft request the deletion and removal of the following fraudulent 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

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 2025-10-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year> I wire XXXX XXXX XXXXXXXX XXXX XXXX re paid me my XXXX in XXXX I went to the bank I took out XXXX and put XXXX in my savings account I went the to the back the next day to draw out some more money and the bank block my checking and savings account I have {$160.00} in my checking and XXXX in my savings that the bank hold

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 2025-10-13 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: TX

Complaint narrative:
I am writing to advise that I am a XXXX XXXX XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2025-10-13 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 am submitting this complaint because the consumer reporting agency has reported hard inquiries on my credit file that I did not initiate or authorize. This constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ), as well as 15 U.S.C. 1681g ( a ) ( 5 ), which prohibit the inclusion of inquiries not initiated by the consumer unless there is prior written authorization or the inquiry is related to a firm offer of credit.

At no time did I provide consent for these inquiries, nor did I authorize any third party to access my credit information. The continued reporting of these inquiries without proof of a permissible purpose or documented consentsuch as my signed authorizationis unlawful and must be addressed.

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 2025-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I have a Chase Sapphire Reserve account ( ending in XXXX ). My annual fee of {$550.00} + {$75.00} ( for an additional authorized user ) was billed and paid in XX/XX/XXXX, which means my current membership period runs through XX/XX/XXXX. 

In XX/XX/XXXX, Chase notified me of a future annual fee increase ( from {$550.00} to {$790.00} + {$190.00} for additional authorized user ) and stated I could reject the new terms by XX/XX/XXXX. When I formally rejected the new terms, making it clear I intended to maintain my account under the current terms through my paid membership year and simply not renew afterward, Chase responded that rejecting the change would result in immediate account closure. 

Chases written communication also stated that my current benefits remain unchanged through XX/XX/XXXX, and that new benefits and fees take effect on XX/XX/XXXX, even though my renewal date is in XX/XX/XXXX. This means Chase is applying new terms and benefits XXXX months before my renewal and forcing an immediate account termination if I reject them. 

I believe this practice is unfair and deceptive under the Consumer Financial Protection Act. Chase is effectively shortening my paid membership period and denying me access to the benefits I already paid for. I paid for a full year of access ( XXXX XXXX XXXX ), and Chases policy change takes that away mid-cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Byrider Franchising, LLC
State: IL

Complaint narrative:
I previously submitted a complaint regarding Byrider XXXX, but since then, I discovered additional serious issues. Byrider performed a hard credit inquiry on my credit report without clear consent or disclosure. During my visit, multiple staff members, including XXXX, told me no credit check had been run, yet my credit score dropped as a result of this inquiry. 

Following this, I received calls from Byrider XXXX staff : XXXX ( Finance Department ) : During the call, she became frustrated and raised her voice while I calmly explained the situation. For my protection, I pressed record on my phone ( which announces the recording ). After the announcement played, she ended the call instead of continuing professionally. 
XXXX Claimed that I signed to pull my credit, but I was never clearly informed that any document I signed would authorize a hard inquiry. His tone was dismissive and showed no intention to resolve the issue. 

These actions misleading communication, lack of clear consent, and unprofessional behavior caused stress, wasted time, and a negative impact on my credit. 

I respectfully request that Byrider corporate : 1. Investigate the unauthorized or improperly disclosed hard inquiry and ensure my credit is corrected if possible.

2. Consider compensation or a goodwill gesture for the stress, time wasted, and credit impact.

3. Review staff conduct to prevent similar treatment of other customers. 

Original Complaint Reference : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: AR

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: Block, Inc.
State: CA

Complaint narrative:
I filed a dispute on XX/XX/year> for {$45.00} and {$190.00}. However, cashapp has only resolved the {$45.00} XXXX and not the {$190.00}. According to their policy, in writing they state after XXXX business days they will provide a provisional credit - nothing has been provided. Ive reached out via phone and email, since it has been more than 45 days and they state there is no more information on my dispute but that it is under review still. I am filing a complaint because more than 45 days with no information or anything is not right. In addition, resolving a dispute that happened on the same day and was filed the same day from the same company and not the other does not make any sense and theyre not giving any information. More importantly, Ive reached out to the merchant on XX/XX/year> and they state that cashapp has already taken the money back from them for both {$45.00} and {$190.00}. This is ridiculous for a dispute to carry on this long, and its unfair!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXXXXXX XXXX Date : XXXXXXXX XXXX XXXX XXXX Date : XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$520.00} XXXX XXXXXXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$250.00} XXXX XXXX XXXX  - Account Number : XXXX, Date Opened : XXXX, Balance : {$500.00}

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 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has reported late payments and delinquencies that are inconsistent with my TransUnion and Equifax credit files. For example, a account # shows as XXXX  days late while both other bureaus report it as current. This inaccurate reporting violates FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ). I requested reinvestigation, but the data remains unchanged. These errors have negatively impacted my creditworthiness and may constitute unfair practices under CFPA 12 U.S.C. 5531.

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 2025-10-13 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:
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 2025-10-13 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: FinCo Services Inc DBA Current
State: MN

Complaint narrative:
I bank with the online bank called Current! I have had a few times that unauthorized charges were made and they refuse to give my money back. I am a single mom and it has taken well over a XXXX dollars. One time my phone was stolen and still they will not give me my money back. And you can see the charges are XXXX after the other over seas

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted three formal disputes to Experian requesting the removal of inaccurate information on my credit report. Each time, I provided clear explanations and supporting documentation. Despite this, Experian has failed to perform a reasonable reinvestigation under FCRA XXXX XXXX. They did not provide any documentation to verify the account in question, nor did they respond with the method of verification or identify the data furnisher, as required by law. 

Instead, I received generic automated responses that suggest no meaningful investigation took place. This violates my rights under the Fair Credit Reporting Act. I am requesting immediate intervention from the CFPB to ensure that Experian performs a lawful and thorough reinvestigation. 

If they can not verify the account with proper documentation from the original creditor, the item must be deleted. This is my third attempt and I am escalating the matter due to noncompliance and lack of transparency by Experian.

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 2025-10-13 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: TX

Complaint narrative:
This companies are violating my consumer rights and right to privacy by reporting collection accounts without proof of any valid agreement or contract. I have never given permission, nor signed any agreement with these companies. 

This conduct violates federal law : - FDCPA ( 15 U.S.C. 1692g ) : Debt collectors must provide validation of debt ( original signed agreement, itemized statement ). No such proof has been provided.

- FCRA ( 15 U.S.C. 1681s-2 ) : Furnishers may only report information that is accurate and verifiable. Reporting unverifiable accounts is a violation.

- FCRA 1681i : When disputed, the credit bureaus must conduct a reasonable investigation within 30 days. If proper documentation can not be produced, the account must be deleted immediately.

- FCRA 1681c ( a ) : Negative accounts can not remain beyond 7 years from the date of first delinquency. Any attempt to re-age the account is illegal. 


Since no contract or proof exists, and because these accounts are unverifiable and unauthorized, I request the immediate deletion of these collection accounts from my credit reports.

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 2025-10-13 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 companies are violating my consumer rights and right to privacy by reporting collection accounts without proof of any valid agreement or contract. I have never given permission, nor signed any agreement with these companies. 

This conduct violates federal law : - FDCPA ( 15 U.S.C. 1692g ) : Debt collectors must provide validation of debt ( original signed agreement, itemized statement ). No such proof has been provided.

- FCRA ( 15 U.S.C. 1681s-2 ) : Furnishers may only report information that is accurate and verifiable. Reporting unverifiable accounts is a violation.

- FCRA 1681i : When disputed, the credit bureaus must conduct a reasonable investigation within 30 days. If proper documentation can not be produced, the account must be deleted immediately.

- FCRA 1681c ( a ) : Negative accounts can not remain beyond 7 years from the date of first delinquency. Any attempt to re-age the account is illegal. 


Since no contract or proof exists, and because these accounts are unverifiable and unauthorized, I request the immediate deletion of these collection accounts from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint because TransUnion is reporting inaccurate and unverifiable information on my credit report. On [ insert date you reviewed/disputed ], I identified several accounts that I believe are either outdated, not mine, or can not be verified under the Fair Credit Reporting Act ( FCRA ). 

Please delete the following 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 I submitted a formal dispute to TransUnion requesting that these accounts be fully investigated and removed if not verified with proper documentation. However, I did not receive a meaningful investigation or verification, and the inaccurate information remains on my report. 

I am requesting the CFPB 's assistance to ensure TransUnion complies with federal law, specifically sections 1681i ( reinvestigation of disputed information ) and 1681b ( permissible purpose ). My goal is to have any unverifiable, inaccurate, or unauthorized accounts permanently deleted from my file.

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 2025-10-13 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: MI

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.

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