vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing a formal complaint against [ Experian XXXX Equifax XXXX TransUnion ] for failing to properly handle inaccuracies on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

I disputed several negative items on my credit report that I believe are inaccurate. The credit bureau responded through the CFPB portal stating the items were verified. However, It has been more than XXXX days since I filed my dispute, and under the Fair Credit Reporting Act ( FCRA ) Section XXXX ( a ) ( XXXX ) ( A ), you are legally required to notify me of the results of your reinvestigation within XXXX days. 

To date, I have not received any correspondence, written notification, or results regarding the disputes filed. 

Additionally, I have reason to believe the credit bureau did not conduct a reasonable investigation or a proper Method of Verification ( MOV ) as required under FCRA XXXX XXXX ( a ) ( XXXX ). It appears they simply confirmed the information electronically without contacting the furnishers or reviewing supporting documentation. An automated verification does not satisfy the FCRAs standard for a reasonable investigation. 

This mishandling has caused significant damage to my XXXX XXXX, affecting my ability to obtain fair credit opportunities. Because you have failed to comply with your legal obligations under the FCRA, you must immediately delete the disputed information from my credit report as a remedy for your non-compliance. 

I am requesting the CFPB assist in requiring [ Experian / Equifax XXXX TransUnion ] to : Immediately delete all disputed negative items from my credit report. 
Provide confirmation of the deletions in writing. 

Please send written confirmation of the deletions within XXXX days, or I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, and I will explore legal remedies available to me. 

Thank you for your assistance.

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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I ask for the immediate removal of this unauthorized account from my credit report, as I have no affiliation with it. Additionally, I request a thorough review to address any further inaccuracies.

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 2025-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: DE

Complaint narrative:
I am filing a formal complaint against Chime regarding an unreasonable hold placed on my payroll check deposit. 

On XX/XX/year>, I deposited a payroll check issued by a reputable payroll service affiliated with XXXX XXXX XXXX Bank into my Chime account. Despite this being a legitimate payroll check, Chime placed a hold on the majority of the funds for XXXX business days. 

I contacted Chime multiple times by phone and through their chat support to request a partial or full release of the funds. Despite my efforts, the customer service representatives and supervisors were unable to provide a satisfactory resolution. Eventually, XXXX representative informed me that the funds would be available by XXXX XXXX Pacific Standard Time on the same day. However, this contradicts the information given by other representatives. 

This hold on my funds has caused significant financial stress and hardship. I rely on timely access to my paycheck to cover essential expenses. The lack of clear communication and inconsistent information from Chime has been extremely frustrating. 

I request the CFPB to investigate this matter and ensure that Chime adheres to fair and transparent policies when holding payroll checks. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: I.C. System, Inc.
State: TX

Complaint narrative:
Hi, I was checking my credit report and noticed there are XXXX charges that are fraudulent against my account. One is a XXXX one is something from a pet store and XXXX is a XXXX  XXXX Ive been living in XXXX since the past XXXX years and have since moved back in the last year and a half and been dealing with identity theft I had to have my license changed because someone elses picture was on my license so forth and so on Im just trying to rebuild my credit and would like these things taken off so I can actually build up and obtain some sort of credit again thank you kindly

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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please block and delete the unauthorized accounts from my credit file immediately. I have no knowledge of these accounts and did not authorize their creation. Pursuant to XXXX XXXX, I am formally requesting their removal within XXXX  days. Supporting documents are enclosed for your review. I also noticed inconsistent and inaccurate account information being reported to each bureau.

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 2025-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: GA

Complaint narrative:
Incorrect Late Payment Reporting on Auto Loan Account Request for Correction Complaint : I am filing this complaint regarding an incorrect late payment that was reported on my BMW auto loan account. 
Here are the account details : Creditor : BMW Financial Services ( BMW FIN SVC ) Account Number : XXXX Account Type : Installment Auto Loan Account Status : Closed Date Opened : XX/XX/XXXX XXXX Code : Individual Disputed Late Payment Date : XX/XX/XXXX I have always paid all of my financial obligations, including this auto loan, on time and have never had any late payments. However, a late payment was incorrectly reported for XX/XX/XXXX. 
I have already submitted disputes to all three major credit bureaus ( Experian, Equifax, and TransUnion ) and also sent a goodwill adjustment request directly to BMW Financial Services, requesting the correction. Despite my efforts, the inaccurate late payment remains on my credit report. 
This incorrect information is negatively affecting my credit history and is not a true reflection of my responsible payment behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Credit Report Dispute Related to Data Breach Dear Equifax Dispute Department , I am writing to formally dispute certain inaccurate information listed on my Equifax credit report, which I believe may be a result of the XXXX Equifax data breach that exposed my personal information. 

The following item ( XXXX ) on my credit report are inaccurate and/or fraudulent : Creditor Name : XXXX  Account Number : XXXX * * * * Dispute Reason : I did not open this account/ This account is the result of identity theft Requested Action : Please investigate and remove this account from my credit file. 

Creditor Name : XXXX Account Number : XXXX * * * * Dispute Reason : I did not open this account/ This account is the result of identity theft Requested Action : Please investigate and remove this account from my credit file. 

Creditor Name : XXXX XXXX Account Number : XXXX * * * * Dispute Reason : I did not open this account/ This account is the result of identity theft Requested Action : Please investigate and remove this account from my credit file. 

Creditor Name : XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX A ) Account Number : XXXX * * * * Dispute Reason : I did not open this account/ This account is the result of identity theft Requested Action : Please investigate and remove this account from my credit file. 

Creditor Name : XXXX  Account Number : XXXX * * * * Dispute Reason : I did not open this account/ This account is the result of identity theft Requested Action : Please investigate and remove this account from my credit file. 

And the following inquires are unauthorized also : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit Cards XXXX have enclosed copies of the following documents to support my claim : - A copy of my drivers license and a utility bill ( proof of identity and address ) - A completed FTC Identity Theft Report ( if applicable ) - Equifax data breach support document Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this account be investigated and either verified or removed within the XXXX timeframe. If it can not be verified, it must be removed. 

Please send me written confirmation of the outcome of your investigation. If any changes are made to my report, kindly send me an updated copy. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( 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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( 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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$12000.00} Open Date XXXX XXXX, XXXX XXXX XXXX XXXX Balance {$230.00} Open Date XX/XX/year> 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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion is inaccurately and irresponsibly reporting a charge-off for XXXX XXXX XXXX  account number XXXX * * * * with a balance of {$11000.00}, even though there is no verifiable, authenticated evidence proving the legitimacy, accuracy, or current validity of this debt. Despite prior disputes, TransUnion has failed to provide substantial documentation, such as original signed contracts, full payment histories, or detailed charge-off notices from the creditor to justify the continued reporting of this derogatory account. Under 15 USC 1681e ( b ) and 15 USC 1681i, TransUnion is obligated to maintain maximum possible accuracy and to conduct a full reinvestigation when challenged, but the account remains improperly reported based on outdated, unverifiable, or possibly compromised informationlikely stemming from a data breach or mishandled records. This reckless reporting severely harms my credit profile and falsely portrays me as a high-risk consumer without lawful justification.

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 2025-04-28 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: LA

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

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 2025-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, Wells Fargo withdrew {$4100.00} from my checking account labeled as " legal recovery. '' The funds in the account were from XXXX XXXX XXXX, which are legally protected from garnishment and XXXX under federal and California law. I did not authorize this withdrawal. 

I immediately contacted Wells Fargo customer service by phone to request an explanation, including documentation of any legal authority or court judgment they claim justified the withdrawal. During the call, the representative disconnected the call without providing any information or assistance. 

Wells Fargo has not provided documentation of any valid court judgment or legal basis for seizing protected funds. 

I am requesting a full reversal of the {$4100.00} withdrawal and confirmation that my protected XXXX XXXX XXXX will not be seized again.

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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I want to make it absolutely clear that this complaint has not been submitted in error. My credit report contains serious inaccuracies that do not meet the required standard of maximum possible accuracy. These errors are causing ongoing and significant damage to my financial stability and overall well-being. I am formally demanding the immediate correction or removal of these inaccuracies. The continued presence of these errors is entirely unacceptable, and I expect prompt and decisive action to resolve this matter without further delay.

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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.

Complaint narrative:
These inquiries appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

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 2025-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
In early 2025, Synchrony Bank closed my CareCredit account without providing any prior written notice, despite my perfect 100 % on-time payment history. After closure, Synchrony immediately blocked my online access to statements and account management. However, automatic payments continued to attempt withdrawals from my bank account.

Despite having sufficient funds, Synchronys system caused payment failures, and then assessed multiple Returned Payment Fees ( {$30.00} each ) against my account. Following these failures, Synchrony also added over {$200.00} in unexpected interest charges ( specifically, {$180.00} posted XX/XX/year>, and {$26.00} posted XX/XX/year> ). I had no access to statements to review these charges or resolve the situation. 

I believe Synchrony Bank violated the Equal Credit Opportunity Act ( failure to send adverse action notice ), the Truth in Lending Act ( failure to provide required billing statements ), the Fair Credit Billing Act ( billing errors and improper fees ), and the Electronic Funds Transfer Act ( mishandling autopay transactions and fees ). 

I have requested a full account audit, fee reversal, correction of interest charges, and written assurance that my positive payment history will not be negatively reported to credit bureaus.

I respectfully request the CFPB assist me in obtaining resolution, including reversal of improper charges and a formal investigation into Synchronys handling of this account closure.

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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 non-monetary relief