vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-22 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:
In accordance with the Fair Credit Reporting Act, the personal information & accounts listed below are in violation of my federally protected consumer rights to privacy and confidentiality as outlined under 15 U.S. Code 1681. 

This account was opened in XXXX of 2025. The company name is called XXXX XXXX XXXX. Its reported to Equifax, TransUnion, and Experian. This action cause my value of my credit report to decrease. It is incorrect and unjust.

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 2025-11-22 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:
In accordance with the Fair Credit Reporting Act, the personal information & accounts listed below are in violation of my federally protected consumer rights to privacy and confidentiality as outlined under 15 U.S. Code 1681. 

This account was opened in XXXX of 2025. The company name is called XXXX XXXX XXXX. Its reported to Equifax, TransUnion, and Experian. This action cause my value of my credit report to decrease. It is incorrect and unjust.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-22 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:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) 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 XXXX U.S. Code XXXX ( XXXX ) and XXXX U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. Code XXXX, 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 2025-11-22 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
On or about XX/XX/XXXX, I have service performed on my heating/ac unit XXXX I agreed to the service and XXXX XXXX completed the issue. I was solicited for a service package for {$210.00} and I never have receive any preventative maintenance as agreed. It's been almost XXXX years and I've contacted Millers and they continuously tell me they don't have any appointments and have never made my preventative maintenance a priority. I've contacted Synchrony Bank on numerous occasions and have spent hours on the phone explaining the dispute for which they constantly transfer me to several people and the credit has not been issued which is what I requested. If XXXX 's has not provided they service I need a refund. For some reason I'm not sure why this is ongoing, not sure if there is a language barrier or if they have just disregarded my issue. Please help me because I shouldn't have to pay for something I have not received and XXXX 's agreed to do. It's accumulating interest and they continue to send letters to me denying my dispute when I don't believe they understand what the issue is. It will be XXXX  years XX/XX/XXXX and it's still unresolved and I have not received any preventative service after XXXX 's fixed my unit and that's what I was charged for.

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 2025-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/XXXX I applied for the XXXX XXXX Credit Card through Chase, with an annual fee of {$140.00} and {$75.00} in annual travel credit, as well as other benefits, and a XXXX point sign up bonus with {$1000.00} spent in 3 months. On XX/XX/XXXX, the card terms and benefits were changed to a {$220.00} annual fee, no travel credit, but a XXXX point offer with {$4000.00} spent within the first XXXX months. 

On XX/XX/XXXX, I placed a call to Chase 's customer service asking if I would be eligible for the new sign up offer if the new spending terms were met as I was frustrated that the benefits and terms of the card I had initially signed up for immediately were changed, but that the new sign up bonus would offset some of the lost benefits. 

When I spoke with Chase on XX/XX/XXXX, I was told if I met the {$4000.00} spend within XXXX months I would indeed be eligible for the updated sign up bonus ; and I was instructed to call back once that was met to have the offer applied. After then putting the eligible {$4000.00} amount on my card, I contacted Chase on XXXX XXXX to have the offer applied. A few days later I received a notice that I would not be eligible for the offer. On XXXX XXXX I again contacted Chase asking for the criteria I met to be honored, and the benefits to be applied to my account, again being told the time frame was not applicable. 

I feel that a bait and switch tactic was used by Chase to encourage me to continue to utilize their card, and in doing so putting {$4000.00} to met their stated criteria, and then not honoring the sign up bonus they stated I would receive. I also believe the recording of the call on XX/XX/XXXX substantiates this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-22 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: NV

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 2025-11-22 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: NC

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: VA

Complaint narrative:
On Monday, I deposited a check into my Chime account. Chime informed me that the funds would not be available until Friday. On the evening of Friday at around XXXX XXXX, I received a notification stating that my check had finally been deposited. 
However, when I opened my account, my available balance showed {$0.00}. 
I contacted Chime through their chat support to understand why my deposited funds were gone. The representative informed me that Chime deducted {$110.00} for a debt owed to XXXX, plus a {$7.00} fee, totaling {$110.00}, and that this was why my balance was showing XXXX. 
I was never shown this transaction in my account history. When I asked why I could not see the deduction anywhere, the representative told me that because I owed XXXXy, I did not have access to view the deduction. I explained that this still should have appeared in my account ledger, but I was not provided any visibility into the transaction. 
I have now been placed on hold for nearly an hour with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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:
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 2025-11-22 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-22 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: AZ

Complaint narrative:
The following reporting account ar fraudulent please remove now. Transunion reports XXXX XXXX opened XXXX with the following accountnumber XXXX for {$1700.00}, XXXX XXXX opened XXXX with the following account number XXXX, XXXX XXXX opened on XXXX, with the following account number XXXX for {$18000.00}. Experian reports XX/XX/XXXX opened XXXX with the following account numberXX/XX/XXXX for {$1700.00}, XXXX XXXX opened XXXX with the following account number XXXXXX/XX/XXXXXXXX opened XXXX with the following accountnumber XXXX for {$18000.00}, Equifax reports XXXX XXXX opened XXXX with the following account number XXXX, XX/XX/XXXXXXXX opened on XXXX with the following account number XXXX for {$18000.00}.

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 2025-11-22 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: AZ

Complaint narrative:
The following reporting account ar fraudulent please remove now. Transunion reports XXXX XXXX opened XXXX with the following accountnumber XXXX for {$1700.00}, XXXX XXXX opened XXXX with the following account number XXXX, XXXX XXXX opened on XXXX, with the following account number XXXX for {$18000.00}. Experian reports XX/XX/XXXX opened XXXX with the following account numberXX/XX/XXXX for {$1700.00}, XXXX XXXX opened XXXX with the following account number XXXXXX/XX/XXXXXXXX opened XXXX with the following accountnumber XXXX for {$18000.00}, Equifax reports XXXX XXXX opened XXXX with the following account number XXXX, XX/XX/XXXXXXXX opened on XXXX with the following account number XXXX for {$18000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
I paid off my auto loans on XX/XX/year> and USAA has confirmed that. They refuse to send the release to the DMV to allow me to get my titles for 10 days. I dont have 10 days as Im moving.

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 2025-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
Mr. Cooper is violating the Real Estate Settlement Procedures Act ( RESPA ) by failing to acknowledge or respond to a legally submitted Notice of Error, and by attempting to impose an unauthorized escrow account and payment increase despite my loan being originated with an escrow waiver. 

I paid my XXXX property taxes in full. Proof of payment was submitted to Mr. Cooper on XX/XX/XXXX. Their staff provided me with an incorrect email address ( XXXX ), causing delays. I re-sent all documentation and the Notice of Error to the correct address ( XXXX  ) on XX/XX/XXXX. 

Despite receiving my documents, Mr. Cooper has : 1 ) Failed to acknowledge my Notice of Error, 2 ) Failed to confirm receipt of proof of tax payment, 3 ) Failed to respond within the required 5-day acknowledgment and 30-day resolution periods under RESPA, 4 ) Attempted to impose an escrow account that is not permitted under my loan terms, 5 ) Attempted to increase my monthly payments based on an escrow action that is not legally justified. 

This is a clear violation of 12 CFR 1024.35 ( d ) and 12 CFR 1024.36 ( c ) and has caused financial and administrative hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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: NC

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 non-monetary relief
Consumer complaint received 2025-11-22 00:00:00
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Billing or statement issues
Company: HEARTLAND PAYMENT SYSTEMS INC
State: TX

Complaint narrative:
I am a federal government employee who experienced verified hardship due to the federal shutdown, furlough-related loss of income, and mandatory delays in government pay. This caused financial instability outside of my control, including difficulty maintaining scheduled payments with University XXXX XXXX XXXX XXXX Heartland ECSI, later associated with XXXX. 

I have an account with University XXXX XXXX XXXX serviced by Heartland ECSI under Account XXXX. XXXX, and I have already sent written hardship and goodwill requests directly to the school and XXXX. I am requesting CFPB assistance to ensure a fair resolution and accurate credit reporting. 

I am requesting a fair resolution that includes : 1. Removal or suppression of negative credit reporting tied to shutdown-related hardship 2. Application of any available hardship, disaster-relief, deferment, or forbearance programs to help bring the account current 3. Supervisor-level review of my account, reporting, and hardship request 4. Waiver of late fees and penalties that occurred during the shutdown impact and hardship period XXXX. Written confirmation of the updated status, adjustments, and reporting changes I am willing and committed to resolving the account, but I need relief and fair treatment based on the federal hardship circumstances

Company response to consumer: Closed with explanation