vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 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:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I found out that all XXXX of my chase credit card accounts got closed. I tried calling customer service and they transferred me to a department but it went to a voicemail. Otherwise they couldnt provide more details why my accounts got closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-01 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: AL

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

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX  XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$280.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX. XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$240.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$380.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: FL

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>. 
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-01 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: NY

Complaint narrative:
In XX/XX/year>, I disputed several federal student loan tradelines serviced by XXXX due to violations of the Fair Credit Reporting Act. The information reported is materially incomplete and potentially misleading, particularly given the loan servicing transition and restart period complications. 

I specifically raised issues of missing documentation, lack of context, and unverifiable data, and requested a full reinvestigation. However, the credit bureau responded that the tradeline was simply verified, without providing any explanation, documentation, or access to how the verification occurred. 

When I contacted Experian by phone, a supervisor disclosed that disputes are resolved through automated systems and that no one at Experian has access to the evidence or process used by the servicer. This directly contradicts FCRA requirements, which mandate a reasonable reinvestigation and the ability to disclose the method of verification ( 1681i ).

I have now submitted a second-round dispute and a formal MOV request. If the information can not be fully verified and substantiated with documentation, it must be deleted under 1681i ( a ) ( 5 ) ( A ). 

Thank you

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 2025-07-01 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am trying to buy a house. The mortgage company said to pay off some bills to help with my debt to credit. It was too high and I know this. But, I am not late on ANY debit I have. I pay early or on time and have never had issues. 
I paid my Living Spaces ( Synchrony card ), along with Lowes and Care Credit ( Again Synchrony ) and also XXXX. I did NOT close any of these cards as my mortgage company said do not as that will hurt my credit score. Living spaces closed the card weeks after I paid it off and my credit score dropped almost XXXX points. I was told they closed it based on my ability to pay/credit worthiness/debit to credit ratio. Yes, credit ratio is high but seriously? SO now I can not buy a house and XXXX not even be able to rest a house as my score dropped from mid XXXX to the high XXXX. I expected to see a rise in my credit score and single handily Synchrony ruined my chances to buy a house as there is no recovery from this before my lease expires. As mentioned, I am now worried about even renting a house or a different apartment.

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 2025-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
I canceled XXXX add-on products ( XXXXXXXX XXXX  maintenance plan, and extended warranty ) through the dealership approximately XXXX months ago. I received the cancellation confirmation, but I have not received any documentation from Mazda Financial Services showing how the refunds were processed and applied to my auto loan. 

I contacted Mazda Financial Services by phone and email multiple times, and was told it would take XXXX business days. It's now been over a month since my last request, and I still havent received the required refund application breakdown. I believe this delay is unjustified and possibly violates federal disclosure requirements under TILA and consumer protection rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: TX

Complaint narrative:
upon revieing my credit reports i found multiple items/account that im not aware of and didnt authorize .. ive been a victim of id theft... i sent the credit buraus my disputes with my id theft reports and the items were not deleted from my reports... i need all the items removed ASAP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: TX

Complaint narrative:
upon revieing my credit reports i found multiple items/account that im not aware of and didnt authorize .. ive been a victim of id theft... i sent the credit buraus my disputes with my id theft reports and the items were not deleted from my reports... i need all the items removed ASAP

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 2025-07-01 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: ME

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
i had a wells fargo bank account personal and buisness and savings account from XXXX through to XXXX and through out the whole time they were hitting me with thousands of dollars in fees that are not right to charge anyone. for XXXX sakes every single time i make a transaction or got money from my accoount they were charging me to get my own money besides the atm fee that was being charged and they also were hitting me with other fees that made no sense and i was never able to get it resolved and fixed they neglected to refund me my money and after years of this i finally let the account close then i saw there was a lawsuit going on about this exact thing and i have all my bank statements still and needed help to get my money back from them. at times they charged me twice for using the atm so the money was taken out my account twice when i only went once. i have years of bank statements it is alot to upload if you could kindly reach out to me and i will be happy to upload them all when your ready to review a big file of bank statements there all highlighted and ready to review please contact me at my email 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 2025-07-01 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: UT

Complaint narrative:
When I first opened up some lines of credit, XXXX XXXX  opened up a line of credit for me. I made my payments on time etc. However, I was living with my parents at this time and when I moved out I had all my mail forwarded over. I am no longer on speaking terms with them and this caused any mail left over to be missed. I was not receiving the statements to my new address they were still going into my old address. I had completely forgotten about this card as I had thought that this was paid off and I hadn't used it. It wasn't until I got a call from XXXX XXXX XXXX that I was told that there was a charge off balance for a small amount that I immediately paid off. They had also apparently been sending the notices to my old address. I would have never gone past due on this account had I been aware, I never got calls or emails from XXXX XXXX. I ask they just remove the account from my credit 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 explanation
Consumer complaint received 2025-07-01 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: UT

Complaint narrative:
When I first opened up some lines of credit, XXXX XXXX  opened up a line of credit for me. I made my payments on time etc. However, I was living with my parents at this time and when I moved out I had all my mail forwarded over. I am no longer on speaking terms with them and this caused any mail left over to be missed. I was not receiving the statements to my new address they were still going into my old address. I had completely forgotten about this card as I had thought that this was paid off and I hadn't used it. It wasn't until I got a call from XXXX XXXX XXXX that I was told that there was a charge off balance for a small amount that I immediately paid off. They had also apparently been sending the notices to my old address. I would have never gone past due on this account had I been aware, I never got calls or emails from XXXX XXXX. I ask they just remove the account from my credit 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 2025-07-01 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-07-01 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 have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am submitting this complaint to report serious and willful violations of federal law by Best Buy/CBNA ( Citibank N.A . ), related to the unauthorized furnishing and continued reporting of my personal information to consumer reporting agencies without my consent. 

Best Buy/CBNA has never obtained my written authorization to report, share, or distribute my nonpublic personal information to any third party, including but not limited to XXXX XXXX XXXX XXXX. This action constitutes a direct violation of : FCRA 604 Permissible Purpose : No permissible purpose or consumer authorization has been provided to justify this reporting. 

FCRA 607 ( a ) Failure to implement procedures to limit reporting only to authorized purposes. 

GLBA ( 15 U.S.C. 68016803 ) Protection of Nonpublic Personal Information : Best Buy/CBNA has failed to ensure the confidentiality and security of my nonpublic data. 

FCRA 1681a ( 2 ) ( iii ) Failure to provide clear and conspicuous notice with opt-out opportunity before communicating personal data among affiliates.

18 U.S.C. 1028A Aggravated Identity Theft : Furnishing and publishing personal identifiers without lawful authority and without my consent constitutes identity misuse. 

Despite multiple attempts to resolve this matter privately, the tradeline for Best Buy/CBNA continues to appear on my credit file, harming my creditworthiness and exposing me to further risk. The account is being reported without my consent, and the original creditor has failed to provide any documentation proving that I ever authorized this reporting or account creation. 

This unauthorized reporting is causing material harm and emotional distress and is in clear defiance of federal law and CFPB advisory guidance regarding the privacy rights of consumers.

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 2025-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I have had checking and savings accounts with PenFed since XX/XX/year> and the credit card since XX/XX/year>. In XXXX, after XXXX years of no annual fee for the credit card, a new annual fee appeared of {$95.00}. The very day that I received a notice of it I called to inquire. I was told that the fee would not be waived. I did not wish to retain the card with a new fee, so then asked to close it along with my checking and savings accounts ( I withdrew the funds from those and no withdrawals are pending ).

I believe the checking account may have been closed, but PenFed refuses to close the credit card and the savings accounts. I do not wish to hold the card with the new fee and so PenFed must close my accounts and not attempt me to pay a fee for a service I do not wish nor intend to use and which, for XXXX years, I used without a fee. 

I should note that I received no notice of the fee change ( unless it was buried in fine print I can not say for certain ).

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 2025-07-01 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX  CA XXXX INQUIRIES : XXXX XXXX Date : XX/XX/year>

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was a victim of identity theft. There is an inquiry on my Experian credit report that is fraudulent and does not belong to me. I've already filed an FTC report. The inquiry is 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