vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted proof that I was making childsuport payments with my paystubs and they needed to stop the false inaccurate reporting they removed the account and put it right back account ending with XXXX balance of 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 2025-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
XXXX XX/XX/year>, Synchrony bank did not fully disclose that autopay payments would not pay off my XXXX percent credit card/loan on my Generac generator! Also, they did not fully disclose fairly the exorbitant back interest and ongoing interest fee at the end of the agreed term, I am now obligated to pay! Any communication stating any loan details was on an electronic statement that was not obvious nor intently directed to my attention!! Autopay was set up so I did not need to look at billing! Never was there direct mail, email or text advising me of the end of term and options, or consequences, if you will. I thought the total amount financed was being paid off interest free. However, they set a monthly payment amount at a rate that could not pay off the loan! 
There is not clear truth in lending going on here, and the penalty is atrocious. I have paid monthly for 18 months and gave nothing to show for it! I now owe about the same as when I stated paying monthly XXXX & mo ago! 
I talked to XXXX separate people, including a supervisor, on the phone trying to work something out, but was flatly told, nothing more they can or will do! Beware!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-25 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: MI

Complaint narrative:
Please carefully review this complaint, as it was submitted intentionally. My credit report contains mixed information, and I have repeatedly identified accounts, transactions, and items that are not mine. This ongoing issue is deeply concerning and has caused me significant stress and anxiety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This letter serves as a formal dispute regarding the reporting of inaccurate and unverifiable information on my credit report. My account was impacted by the Equifax Data Breach ( Engagement Number : XXXX ), and I have reason to believe that fraudulent or inaccurate accounts have been reported in my name as a result. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, 15 U.S.C. 1681c-2, and 15 U.S.C. 1681b, you are legally required to ensure that all information reported on my credit file is accurate and verifiable. I demand immediate verification or removal of the following accounts that do not belong to me :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: MO

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 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 2025-03-25 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: MA

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 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 2025-03-25 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 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 2025-03-25 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 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 2025-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XXXX XXXX American Express for Unresolved Fraudulent Charge Dispute To Whom It May Concern, I am writing to lodge a formal complaint against American Express regarding their handling of a fraudulent charge on my account. The charge is : XXXX XXXX XXXX XXXX XXXX  XXXX : {$970.00} Date : XX/XX/year> I have not made or authorized this fraudulent charge in any shape or form and I do not recognize it. 

Despite my repeated requests for investigation and resolution, American Express has failed to dispute or credit the unauthorized charge, leaving me liable for a transaction I do not recognize and did not authorize. 

This failure to act constitutes a breach of their duty to protect customers from fraud, and their dismissive and aggressive approach has been unacceptable. This is a clear violation of the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ) .I seek the CFPB 's assistance in resolving this matter and holding American Express accountable for their obligations. 

Thank you for your attention to this matter. 




Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: MA

Complaint narrative:
There are multiple inaccuracies on my credit report that must be removed without delay. Some contain incorrect details that do not match my records, others are entirely unfamiliar, and several have been reported without proper verification. These discrepancies violate the FCRA, which requires all information to be 100 % accurate and backed by legitimate documentation. 

To resolve this matter fairly, I demand that all inaccurate items be permanently removed from my credit report. If the reporting entities can not provide legitimate proof confirming their accuracy, they have no legal right to remain on my file. I expect immediate corrective action to restore the integrity of my credit profile.

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 2025-03-25 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Comerica
State: NV

Complaint narrative:
I am XXXX XXXX XXXX XXXX XXXX account was stolen due to fraud or fraud he claimed happened on my account All calls are recorded this happened last XX/XX/year> also trying to get through on the phone took literally XXXX hours on hold in XX/XX/year>. Not much better today but guaranteed XXXX XXXX put a password on the account because we lost our place to live because I couldn't pay rent they assured me nobody will be able to change any information on this account well here we are agan it's now the XXXX of XXXX XXXX and I have Been at the homeless shelter because of this I called in to see why the card we had in our possession wouldn't work to pay rent they told me we aren't allowed to talk to you because the information I had provided didn't match what they had on file ... ... so I couldn't verify who we were marks id was expired so I had to get someone to loan me the money to go to dmv and get another one which I did and XXXX XXXX XXXX told me the expired id and the paper from DMV would be accepted! There's probably XXXX more emails from me to XXXX XXXX they rejected it every time saying for whatever reason they weren't accepting the documents. The latest reason was they were not accepting the paper from dmv or the expired ID. It's now almost the next month and still not any of his money has been issued to him please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-03-25 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
My company, XXXX XXXX XXXX XXXX XXXX closed on XX/XX/XXXX. The company has a trust account that we have had for 20 years. I have XXXX construction client that needed to complete construction before he could get the rest of his funds out. I informed him several times that I would be closing and he continues to say that their project will be completed in a couple of weeks and then he can get the money out so I can close this account. 

A service charge was put on this account for XXXX, XXXX. A trust account is not supposed to have service charges. The operating account that they normally go on has already been shut down. I called the bank and told them this account can't have service charges, they now tell me that this is not a trust account. They must not have marked it correctly when XXXX & XXXX sold to Truist. The bank told me they would writer off {$75.00} and I would need to deposit {$100.00} to make the trust account legal. ( I am also still under audit from the XXXX until this account is zeroed out and closed. I deposited the {$100.00} immediately. 

On XX/XX/XXXX I received an email saying a XXXX payment went out for {$5000.00}. WHAT!! I don't even know what XXXX is. I immediately emailed back to Truist Alerts that I had not sent out any payments. I contacted Truist and told them this {$5000.00} was a fraud. I was assigned a case # which is XXXX. I was then sent some forms to fill out. I emailed them back quickly. 

Truist then sent me a denial letter. I called and complained again and let them know they didn't understand what I was saying. This was not my charge, this is a trust account and I am waiting on the XXXX last vendor to cash his check so I can shut it down. 

On XX/XX/XXXX I have not heard anything back from the fraud department. All they can tell me is they received the email that I sent them. They had not submitted my claim but would do so now. I then went to the branch where I have had my business account for 20 years. XXXX XXXX, the XXXX XXXX called the XXXX dept. and they told her they would look at it and get back to me in 3 days. That wasn't done so I call XXXX XXXX and told her I had not heard from anyone. She said she would talk to some higher up managers and get back to me on Monday, XX/XX/XXXX. I did not hear from her so I called and left a message for her to call me. It is now Tuesday and I still have not heard anything from anyone.

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 2025-03-25 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: NC

Complaint narrative:
ATTENTION : This is an ADDENDUM to COMPLAINT XXXX. This is XXXX XXXX!!! BELOW SENT TO Barclays XXXX XXXX Aviator Advantage Card XXXX on XX/XX/year> in re Case XXXX Credit Required XXXX- As we discussed yesterday, these XXXX documents ( attached below ) should have closed this case back in XXXX. One shows the items ordered with the salient XXXX XXXX of XXXX and the salient price of {$240.00}. The other document shows the same order number and clearly states You dont need to mail back your return. Well issue your refund. As Ive said repeatedly, the case should have been closed back then and a permanent credit issued for {$240.00} Please see that it is finally done today. Thank you. I want to state here that credit card are supposed to protect their customers from unscrupulous merchants!

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 2025-03-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PENNYMAC LOAN SERVICES, LLC.
State: SC

Complaint narrative:
XXXX month after my mothers terminal diagnosis, Penny Mac increased the monthly payment from {$610.00} to {$1200.00} due to an unexplained increase in property taxes from {$510.00} annually to {$2400.00} annually. No explanation was provided for this sudden increase which was disputed, resolved, and Estate subsequently refunded dating back to XXXX & XXXX. PennyMac was refunded for the overage for XXXX. Also, the payments have not been properly applied to the principal balance. Multiple force placed flood insurance policies were noted in the calendar year XXXX. PennyMac is in clear violation of Federal & State laws including RESPA section 6.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: OneMain Finance Corporation
State: MI

Complaint narrative:
I called OneMain finnancial and asked them to immediatly remove all of the adverse reporting late payments as they failed to follow 15 U.S.C. 6802B and i never recieved any written corospondance asking my permission for this information to be furnished on my report as the consumer law states. they are directly causing me harn and violating my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: KS

Complaint narrative:
I purchased a vacation package through XXXX on XX/XX/XXXX, and I paid for it using my Affirm account. I canceled the package on the same day, just a few hours after making the reservation. However, I noticed a loan amount of {$4100.00} applied to my Affirm account. 

A few days later, I saw a refund of {$1200.00}, but I still have an outstanding balance of {$2900.00}. I have called XXXX multiple times to confirm that the cancellation was processed, but they keep directing me to Affirm. When I contact Affirm, I am told to reach out to XXXX. I did a XXXX way call and at this time I provided receipts to Affirm showing the cancellations. They provided a case number and asked that I email them to them. I did this on XX/XX/XXXX. 

I have spent hours on the phone with both XXXX and Affirm, including several three-way calls, but neither party has been able to explain why I still have this remaining balance of {$2900.00}. 

I called again today XX/XX/XXXX and Affirm told me I would have to wait an additional 30 days to see if they accept my dispute since they now have seen the receipts that show proof that I cancelled the trip on XX/XX/XXXX. 

They are now going to charge me interest for a loan that was cancelled within hours. 

Could you please assist me in resolving this issue? I would greatly appreciate any help you can provide to ensure this balance is addressed correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: MI

Complaint narrative:
Please carefully review this complaint, as it was submitted intentionally. My credit report contains mixed information, and I have repeatedly identified accounts, transactions, and items that are not mine. This ongoing issue is deeply concerning and has caused me significant stress and anxiety.

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX with Social Security Number XXXX, a resident of XXXX XXXX XXXX XXXX XXXX California XXXX, submit this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : Full Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/1998 Current Address : XXXX XXXX XXXX XXXX XXXX California 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 2025-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I am in the process of getting a car and can not get access to loans. Please review all documents and removes all accounts listed.

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 2025-03-25 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:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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