vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I noticed the collection on my XXXX XXXX in XXXX, it had a small impact on my credit bringing it to a XXXX but I still tried to call the number given the information for synchrony bank. Once I called the robot kept sending me to XXXX XXXX where they informed me they had no debt for me and to wait a few weeks for it to process. I then found out in another source my credit score was a XXXX while it said XXXX on XXXX XXXX. So I call synchrony bank again to resolve the issue because I hadnt received anything before about the debt. Once again the robot kept sending me to mcm banking every time I put my information in. I kept trying to get an agent and the robot just wouldnt let me. I tried different numbers, departments, emailed them. Ive gotten no response or that they have nothing for me. Synchrony bank also keeps reporting it monthly impacting my score but I have no way to resolve the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On or around XX/XX/year> i had submitted a XXXX XXXX transfer to a merchant by the name of XXXX BANK. I ended up canceling the transaction and was given a tracking number. Money was taken from my account, but the merchant never received the payment. I contacted Wells Fargo they issued a credit. Took them more than a month to investigate, then they convey to me that about XXXX XXXX them the XXXX which they debited my account, even though once again the XXXX ( XXXX XXXX ) never received the funds

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
b'On XXXX XXXX two charges of each $XXXX  dollars were posted against my account\nBarclays Card XXXX XXXX XXXX XXXX and #XXXXThere was only ONE check written but was processed twice\nReported fraud to Barclay case #XXXX from fraud department responded not the responsibility of Barclay Bank but rather the XXXX XXXX  where I deposited check to correct and verified SAME check posted twice. XXXX XXXX  denied responsibility.\nFiled another complaint with Barclay Bank which was denied.\nIn addition to being charged $XXXX  dollars for a check I never issued Barclays charged me the following fees $XXXX balance transfer after 2nd denial addition $XXXX  dollar balance transfer fee and contrary to promotional offer $XXXX and $XXXX in interest charges. Summary $XXXX for non existent check and $XXXX in fees\nTotal charges I am disputing $XXXXI have a XXXX  or above credit score and in my XXXX  years never had such difficulty\nXXXX 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 monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is not a mistake, my credit report contains inaccuracies that fall short of the required standard of maximum possible accuracy. These errors are causing ongoing harm to my financial stability and well-being. I urgently request that they be thoroughly investigated and corrected or removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: NJ

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : XXXX. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXX, IN Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX Creditor/Collection Agency Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Creditor/Collection Agency Name : XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity. 

XXXX. Unauthorized/Incorrect Hard Inquiry Company That Performed Inquiry : XXXX XXXX I Date of Inquiry : XX/XX/year> Company That Performed Inquiry : XXXX XXXX  Date of Inquiry : XX/XX/year> Company That Performed Inquiry : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Company That Performed Inquiry : XXXX XXXX  Date of Inquiry : Company That Performed Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/year> Issue : I did not authorize this company to pull my credit. 

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA ( 15 U.S.C. 1681b ). 

Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry. 

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: AZ

Complaint narrative:
I had XXXX XXXX for XXXX XXXX, when my plan ended, I received a new promotion that was the internet speed I needed for my household. XXXX was having a promotion to sign up for mobile phone service. I signed up, and then the next day I found out that the representative misrepresented the amount for the phones and changed my internet plan to do so. I immediately went into the XXXX XXXX, returned the phone prior to activation, returned my internet equipment and cancelled my service. Everything was supposedly credited and cancelled but then a few months later I received a bill and collection calls, I called in to get the matter rectified and I was advised everything was fixed, and then again a few months later I start getting bills and collection calls. This has happened two more times and not I was contacted by a 3rd party collection company trying to collect {$130.00} for a phone service I never activated and returned back in XX/XX/scrub> 2024 2024

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XXXX XXXX2025, I noticed unusual activity used on my Citi Bank debit card. This unusual activity consisted of several withdrawals which I did not make. I then called Citi Bank and inquired about these several withdrawals and told Citi that I did not make these withdrawals and asked Citi to close my account which they did. Citi told me that these withdrawals were made via XXXX XXXX  and XXXX XXXX XXXX and Citi did not know who made the XXXX XXXX  withdrawals. I then called XXXX XXXX  and XXXX XXXX XXXX  and they told me that someone had bought XXXX with my debit card using XXXX XXXX. Several of my other accounts with other financial institutions such as XXXX, XXXX XXXX XXXX, and XXXX XXXX have also been compromised due to Identity Theft. To protect my sensitive financial information since these incidents, I have signed up with XXXX 's 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 2025-04-15 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: MS

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( XXXX ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( XXXX ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : Late Open XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  {$75.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$16.00} Date Opened : XX/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 2025-04-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX 2025 XXXX XXXX XX/XX/year>2025 2025

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: IN

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: IN

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
XX/XX/year> XXXX Credit Card Goldman Sachs Bank XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, UT XXXX Re : Case Number XXXX Request for Goodwill Removal of XXXX Late Payment To Whom It May Concern, I am writing in follow-up to a request I made regarding the removal of a XXXX late payment from my Apple Credit Card account. On Monday, XX/XX/year>, at XXXX PM, I spoke with a representative from the Apple Credit Card Management Support Team, who issued case number XXXX and informed me that the XXXX late would be removed as a one-time courtesy. I was advised to allow 30 days for the change to reflect. 

After waiting the full 30 days and receiving no update, I contacted another Apple Credit Card division to file a formal complaint about the delay and lack of action. Today, XX/XX/year>, I received a response stating the validation of the XXXX late. I would like to clarify that my request was not to validate the delinquency, but rather to have the late payment removed as a goodwill adjustment based on the extenuating circumstances and my strong payment history. 

I have maintained this account in good standing for nearly XXXX years, with consistent on-time payments and no prior late reports. The single late payment in question occurred during a time when I was XXXX as a traveling nurse to XXXX XXXX, California, to provide emergency care during the devastating wildfires. Given the intense and unforeseen demands of that period, the missed payment was unintentional and does not reflect my commitment to financial responsibility. 

I am respectfully requesting, once again, that this XXXX late payment be removed from my credit reports with XXXX, XXXX XXXX XXXX as a one-time courtesy. I deeply value my relationship with XXXX XXXX XXXX and am committed to maintaining my account in good standing going forward. 

Thank you for your time and consideration. I appreciate your attention to this matter and look forward to a positive resolution. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: LEXISNEXIS
State: FL

Complaint narrative:
LexisNexis Risk Solutions Attention : Consumer Affairs XXXX XXXX XXXX XXXX, GA XXXX Re : Request for Consumer Report Violation of FCRA I am writing to formally address your refusal to provide my consumer report, despite multiple requests submitted through your online portal and phone system. I have attached all necessary documentation, including my drivers license, Social Security card, and proof of address, in compliance with your stated requirements for verification. 

However, despite meeting all conditions and following your outlined procedures, my consumer report remains withheld. This is not only an inconvenience but a direct violation of my rights under both U.S. and Florida state law. Therefore, I am formally requesting that you immediately send me a copy of my full consumer report. 

Legal Citations : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681g : Under the FCRA, I am entitled to request and receive a copy of my consumer report at no cost once every XXXX months. Section 1681g mandates that consumer reporting agencies like LexisNexis provide a full and complete consumer report to any individual who requests it. Your refusal to comply with this law is unacceptable. 

Florida Consumer Credit Protection Act ( XXXX XXXX XXXX  ) : Florida law similarly guarantees my right to access my consumer report upon request. LexisNexis is legally required to comply with my request. 

Failure to Comply with FCRA : Under Section 1681n of the FCRA, failure to comply with the consumers right to a report is subject to statutory penalties, including fines of up to {$1000.00} per violation. 

Violation of Consumer Rights : Your ongoing refusal to provide my consumer report is a violation of my rights under both federal and state law. I demand that you immediately fulfill your legal obligation and send me my full consumer report. 

As this matter remains unresolved, I intend to upload this letter and the supporting documentation onto the Consumer Financial Protection Bureau ( CFPB ) website. If my request is not promptly fulfilled within 15 days from the date of this letter, I will pursue further action, including escalating this complaint to the CFPB, the Federal Trade Commission ( FTC ), and potentially seeking legal remedies. 

Please ensure that I receive my consumer report without further delay. Should you require any additional documentation or clarification, please contact me directly. 

Enclosures : LexisNexis Letter Drivers License Social Security Card Proof of Address

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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