vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 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: AZ

Complaint narrative:
I have just discovered recently that someone has been using my identity fraudulently without my consent and have opened credit accounts and loan using my personal information. Inclosed are supporting documents to support my claim in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
nothing was investigated or verified or explained how the process that was done with steps of there action on my reinvestigation

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Dear CFPB, I am writing to formally file a complaint regarding a hard inquiry placed on my credit report by SYNCB/AMAZON XXXX Synchrony Bank ) that has negatively affected my credit score through no fault of my own. 

On XX/XX/year>, I applied for an XXXX secured credit card and was approved. However, when I attempted to deposit the required security funds, the deposit process repeatedly failed due to technical issues on XXXX 's end. Despite multiple attempts and numerous calls to XXXX and Synchrony Bank, I was unable to complete the process. 

As a result, a hard inquiry was reported on my credit, even though I never received a fully functioning account due to the failed funding process. After repeated escalations, both XXXX and Synchrony Bank acknowledged the issue and promised to either resolve the situation or remove the hard inquiry from my credit report. Unfortunately, as of today, the issue remains unresolved, and the hard inquiry continues to impact my credit standing. 

I am requesting that this matter be formally reviewed and that the hard inquiry by XXXX be removed from my credit report, as the circumstances were beyond my control and did not result in a usable credit account. 

I appreciate your assistance in helping to correct this issue and ensure fair reporting. 

Sincerely,

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 2025-05-07 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 explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Verizon wireless says that I owe them XXXX dollars and the debt is not mine. They will not respond back to me so I filed a FTC report.

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 2025-05-07 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: TX

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
There are several accounts reflected on my credit report concerning student loans. This is a breach of information under FERPA.

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 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX, I inadvertently made an over payment ( {$4500.00} ) to a XXXX card account. I reached out to XXXX and they said they could not reverse payment because it was already being processed. They suggested that I contact my bank to place a stop payment. A few days later, I noticed the funds were returned to my account. On XXXX XXXX, I contacted the bank to lift the stop payment from the XXXX merchant so that I could make the intended payment amount. The bank associate said that she lifted the stop payment and that I could proceed to make the payment on that same day, which I did. A few days later, I received an email from XXXX indicating that the payment was returned by my bank. I reached out to my bank and they told me that they did not see an issue on their end and to contact XXXX about the issue. I have been back and forth with my bank over the last weeks and they continue to tell me there is no issue on their end and the stop payment has been lifted. Meanwhile, payments have been returned on XXXX other XXXX cards and I've incurred late fees from all four. My bank told me to keep continuing to make payments until they finally go through, and they tell me that they're not responsible for any late fees. I've exhausted all.means with my bank, and within yhe next week this will affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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:
b"It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath  which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law..XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-07 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: LA

Complaint narrative:
b"It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath  which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law..XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-07 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: GA

Complaint narrative:
I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-07 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: GA

Complaint narrative:
I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
Santander has been included in a lawsuit for subpar lending practices and this lead to the repossession of my car. In the lawsuit, the state TN ( where vehicle was purchased ) and year XXXX ( one of the years included ) was part of the lawsuit that those who had a vehicle through Santander were to have a settlement ( if car was still in their possession ) or their balance removed ( if there was a repossession ). I had a repossession in XXXX and I have been disputing to have removed off my credit report and submitted lawsuit documents and they have not removed off credit report. XXXX XXXX  XXXX have been sent documents by certified mail and they will not process the removal of this even with the lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have identified the following inaccuracies and potential violations of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681 : Inaccurate Delinquency Reporting Post-Closure : The account was paid in full and closed on XX/XX/year>. However, my credit report shows a payment status of 6089 days late as of the same month. This is factually incorrect and misleading, especially considering the loan was satisfied and closed. 
Inconsistent Payment History Reporting : The report states I made 67 % of payments on time, yet the loan was only open for approximately 7 months. This percentage does not align mathematically and misrepresents my payment reliability.

Omission of Key Data : The account history omits the monthly payment amount, which is essential context for evaluating reported late payments. Providing partial data while still flagging lates is inconsistent with FCRAs requirement that all furnished information be accurate and complete. 
Misleading Status Reporting : Reporting a delinquency after the loan has been fully paid off and closed can give a false impression of my creditworthiness. This violates the spirit of FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishing data that is incomplete or misleading.

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 2025-05-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
The following inquiry was not and should not be reporting. 
Equifax XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Netspend Corporation
State: OH

Complaint narrative:
XXXX XXXX To Whom It May Concern, XXXX XXXX I am filing a formal complaint against XXXX XXXX Netspend * * for failing to comply with XXXX XXXX Regulation XXXX  provisional credit requirements XXXX XXXX  under the XXXX XXXX  Electronic Fund Transfer Act ( EFTA ) XXXX XXXX. As a result of their unlawful delay, my wife and I suffered XXXX XXXX XXXX financial hardship XXXX XXXX, including missed wages and lack of access to basic necessities. 

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX I submitted a formal dispute regarding an unauthorized transaction on my Netspend account. Regulation E ( XXXX XXXX 1005.11 ( c ) ( 2 ) ( i ) XXXX XXXX  ) requires financial institutions to issue XXXX XXXX provisional credit within XXXX business days XXXX XXXX of receiving notice of an error. However, Netspend has stated that XXXX XXXX provisional credit will not be issued until XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX nearly a month later, far beyond the legal time frame. 

Due to Netspends failure to provide timely provisional credit XXXX XXXX XXXX XXXX I was unable to afford gas, preventing me from going to work, leading to lost wages. XXXX XXXX XXXX XXXX XXXX  My wife and I went without food for several days due to lack of access to our funds. XXXX XXXX XXXX XXXX XXXX Netspends refusal to honor federal consumer protections caused significant undue hardship. XXXX XXXX When I contacted Netspend for clarification, they repeatedly XXXX XXXX refused to provide arbitration information XXXX XXXX, going so far as to XXXX XXXX hang up on me XXXX XXXX when I requested details on how to escalate my case. Their behavior appears to be an intentional obstruction of consumer rights. 

I request the XXXX XXXX following corrective actions XXXX XXXX  from Netspend : XXXX XXXX XXXX Immediate provisional credit XXXX XXXX  for the disputed transaction in compliance with Regulation E. 
XXXX XXXX XXXX  Compensation for financial harm XXXX XXXX  incurred due to Netspends delay, including lost wages and hardship suffered. 
XXXX XXXX XXXX  Transparency in arbitration procedures XXXX XXXX and a formal response addressing their violations. 

Netspends refusal to honor XXXX XXXX basic financial protections XXXX XXXX under federal law should not be overlooked, as their actions directly harm vulnerable consumers. I urge the XXXX XXXX CFPB to investigate XXXX XXXX  this matter and ensure Netspend complies with consumer protection regulations. 

I am prepared to provide XXXX XXXX all supporting documentation XXXX XXXX including transaction records, email correspondence, and their written response regarding provisional credit delays. Please advise on the next steps to resolve this matter.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Source Receivables Management LLC
State: OH

Complaint narrative:
I submitted a formal written dispute to XXXX regarding a collection account reported by Source Receivables Management with a balance of {$330.00}. The dispute was mailed via Certified Mail on XX/XX/year>, and included : A detailed dispute letter A notarized affidavit of identity Valid government-issued ID Social Security card Proof of address Under 15 U.S.C. 1681s-2 ( a ) ( 8 ) and 1681i ( a ) ( 1 ) ( A ), Source Receivables Management was legally obligated to verify the accuracy of the disputed debt and provide XXXX with supporting documentation. However, they failed to provide any such verification, and XXXX still marked the account as verified and updated. 

No contract, itemized billing history, or original creditor documentation was provided. Without these materials, XXXX and Source Receivables Management can not legally continue reporting this account under FCRA 1681i ( a ) ( 5 ).

This failure to provide proper verification is a violation of my consumer rights and the Fair Credit Reporting Act. It has caused continued negative impact on my credit report without substantiated evidence.

Company response to consumer: Closed with explanation