vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 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:
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  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX  XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-11-28 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: GA

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  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX  XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-11-28 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: LA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: FL

Complaint narrative:
My entire credit report reflects inaccurate and unverifiable information across multiple accounts and inquiries, violating FCRA 602, 607 ( b ), and 611 ( a ). I have reason to believe reasonable procedures were not followed to ensure accuracy. I request deletion of disputed items and acknowledgment of statutory liability as the bureau failed to conduct a proper reinvestigation under FCRA 1681i ( a ).

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 2025-11-28 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: FL

Complaint narrative:
I am submitting this statement in regards to several items on my credit report that are disputed with the three major credit bureaus : XXXX  ( XXXX ), Experian ( EX ), and XXXX  ( XXXX ). The details of the disputed accounts are as follows : Experian ( XXXX ) : XXXX XXXX ( Account No : XXXXXXXX XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX ( Account No : XXXXXXXX XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX Balance : {$400.00} XXXX XXXX XXXX ( Account No : XXXXXXXX XXXX XXXX XXXX XXXX  ) Date Opened : XX/XX/XXXX Balance : {$210.00} XXXX XXXX XXXX  XXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX  ) Date Opened : XX/XX/XXXX Balance : {$4500.00} Inquiries Experian ( EX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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 2025-11-28 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: IL

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within 30 days of receiving the dispute. 

It has been over 30 days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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 letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ 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 2025-11-28 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: IL

Complaint narrative:
I am filing this complaint due to incorrect and/or unauthorized information being reported on my TransUnion credit report. 

Charged Off Accounts [ No accounts listed please verify that all charged-off accounts reported are accurate and belong to me. ] Inquiries XXXX XXXX XXXXXX/XX/year> I do not recall authorizing this inquiry. Please provide proof of my consent to the creditor or remove the inquiry if it can not be verified. 

Late Payment XXXX XXXX Account XXXX XXXX The reported late payment is inaccurate or unverifiable. I request complete account documentation or deletion per FCRA 611 and 623. 

Please investigate all disputed information and provide an updated report once the reinvestigation is complete.

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 2025-11-28 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 implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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:
PLEASE REMOVE THESE FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX Acct # XXXX - Charge-off - Closed - Balance {$880.00} XXXX XXXX XXXX XXXX Acct # XXXX - Charge-off - Closed - Balance {$610.00} PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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> PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : XXXX XXXX - 30 days past due - 2 late payments XXXX XXXX XXXX XXXX Acct XXXX XXXX - 30 days past due - 1 late payment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
XXXX XXXX  {$500.00} deposited money order was put on hold for 12 days without letting me know that the money would be on hold this long, I could not cancel the transaction and get my money order back because the atm machine kept processing the transaction and would not return the deposit. 

I went to the counter and the teller and the branch manager said they could not help me and see what they could do. The branch manager then called me back and said management would not release my funds until XXXX without any explanation. 

As a result of this incredible delay and holding of my funds. I missed celebrating my child 's birthday party, missed XXXX  and had to change my plans because the month was on hold for 12 days until XXXX and this has been emotionally and mentally draining. 

Nature of the Complaint Chase Bank placed an extended hold on my deposit without providing proper notice or a legally valid reason. This action appears to violate : Regulation CC Funds Availability Act Truth in Savings Act ( TISA ) Unfair or Deceptive Acts ( UDAAP ) under both federal and state law This hold prevented me from accessing my own funds during my childs birthday and the XXXX XXXX, causing emotional and financial harm. 

Details No proper written explanation for the hold was provided Hold length far exceeded standard regulatory guidance Chase did not cite any proper exception hold reason The hardship caused was severe and unnecessary Requested Action I request the following : Review Chases compliance with state and federal banking laws Require Chase to provide a complete explanation and documentation Determine whether Chase engaged in unfair or abusive conduct Require Chase to correct the problem and compensate where appropriate Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: CA

Complaint narrative:
Dear Sir/Madam, I am a consumer who is working to resolve issues with my credit report and I am filing a dispute regarding certain inaccuracies and discrepancies across my accounts with the credit bureaus. Below is the detailed list of accounts in dispute, separated by each bureau : Charged Off Accounts : XXXX, XXXX, XX/XX/XXXX, {$0.00} DEPTEDXXXX, XXXX, XX/XX/XXXX, {$0.00} DEPTEDXXXX XXXXXXXX, XX/XX/XXXX, {$0.00} DEPTEDXXXX XXXX, XX/XX/XXXX, {$0.00} DEPTEDXXXX XXXXXXXX, XX/XX/XXXX, {$0.00} DEPTEDXXXX XXXXXXXX, XX/XX/XXXX, {$0.00} DEPTEDXXXX XXXXXXXX, XX/XX/XXXX, {$0.00} DEPTEDXXXX XXXX, XX/XX/XXXX, {$0.00} DEPTEDNELNET, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$1400.00} XXXX XXXX XXXX XXXXXX/XX/XXXX, {$3300.00} XXXX, XXXX, XX/XX/XXXX, {$7900.00} XXXX XXXX XX/XX/XXXX, {$1000.00} Inquiries : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: LA

Complaint narrative:
I am disputing the following accounts listed below. The items being disputed are based on inaccuracies, incomplete reporting, and other issues that have impacted my credit report. Please review the information in the sections below for each credit bureau. 

CHARGED OFF 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I am submitting this complaint because Synchrony Bank charged me retroactive interest and monthly insurance fees that I never authorized. 

Two years ago, I applied for a financing plan through a medical clinic. The clinic staff completed the application on my behalf. I do not speak XXXX well, and the terms were never explained to me in XXXX. I did not understand that if I did not pay the full balance within 24 months, all interest would be added retroactively. 

Additionally, I was enrolled in a monthly insurance program ( such as payment security ) without my knowledge or consent. This insurance increased my balance and caused me to miss the promotional payoff period. 

I also moved during this period and did not receive paper statements. Therefore, I was unaware that my balance was increasing due to the insurance charges or that I was at risk of losing the promotional offer. 

I paid almost the full balance. Only about XXXX $ remained ( the financial plan was XXXX XXXX I paid XXXXXXXX XXXX monthly meaning XXXX in total ) .Despite this, Synchrony charged me over {$5000.00} in retroactive interest with a 30 % rate, which is excessive and unjust. 

I have contacted Synchrony Bank multiple times. The first agent and supervisor refused to help, claiming that I received statements, but I had moved and never received them. 

I am requesting the following remedies : 1. A full refund of all unauthorized insurance charges 2. Removal or adjustment of the retroactive interest 3. Correction of my balance to reflect the actual amount I owed ( ~ {$900.00} ) There was no intention to avoid payment. The misunderstanding was caused by the language barrier, unauthorized charges, and lack of proper disclosure.

Please review my case and help resolve this dispute.

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 2025-11-28 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: FL

Complaint narrative:
These accounts don't belong to me ; my identity was stolen, and another person fraudulently used my name

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Klarna AB
State: NC

Complaint narrative:
i received a text message from klarna on XXXX that i owed XXXX by XXXX XXXX when i called to pay on XX/XX/XXXX, they refused to take my payment unless i then paid XXXX i called them multiple times on the XXXX telling them i had an text message and a email telling me that i owed XXXX on the XXXX of XXXX ( no specified time ) so why were they saying i couldnt pay that amount. 

I previously thought they had my new card information in their system but upon finding out they didnt i called to make sure it was now in there and get payment caught up. I asked if it was due by the XXXX of XXXX at a certain time why was that not specified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: GA

Complaint narrative:
I wanted to reach out to let you know that I have recently experienced a data breach that has put my personal information at risk. This situation has raised serious concerns for me regarding the safety of my sensitive data, as it has resulted in fraudulent accounts and debts being opened in my name. I kindly ask that you take this into account when reviewing my credit report and take the necessary steps to rectify any inaccuracies or fraudulent activities.

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 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I requested that they remove bankruptcy off of my credit report because of inaccurate information which they did not remove but they erased all of the information that was on the bankruptcy so its just a blank bankruptcy on my profile which should be deleted completely

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 2025-11-28 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: Chime Financial Inc
State: TX

Complaint narrative:
An unauthorized transaction occurred involving an account labeled XXXX on XXXX XXXX, which withdrew funds from my Chime checking account without my permission. I did not authorize this transaction, nor did I provide consent for any affiliated party to debit my account. When I contacted the involved companies, I did not receive a satisfactory explanation or resolution. I am filing this complaint so the CFPB can review the matter and ensure that my rights under federal consumer protection laws are upheld.

Company response to consumer: Closed with explanation