vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-17 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: NC

Complaint narrative:
I am writing to formally dispute my federal XXXX XXXX and request a full dscharge due to a serious breach of my personal and financial information. My information was compromised without my authorization, which violates multiple federal laws designed to protect XXXX records and personal privacy. Under these circumstances, I request the immediate cancellation and discharge of my XXXX XXXX debt in full, as my rights have been severely violated. Below are the key reasons for my request ; Violation of the Family Educational Rights and Privacy Act ( FERPA ) ; My XXXX  were disclosed without my consent, violating FERPA 's strict confidentiality protections. Breach of the Privacy Act of 1974 ; My personal and financial information was improperly accessed and shared without my authorization, violating my privacy rights under federal law. Violation of the Higher Education Act ; As a student borrower, my information should have been protected, but the mishandling of my data demonstrates a failure to uphold these legal protections. Breach of Contract and Negligence ; The entity responsible for safeguarding my data failed to do so, putting my financial security at risk and unauthorized disclosure to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I just got a copy of my credit report and noticed inquiries that should not be on my credit report. Fraudulent inquiries should be removed from my credit report. Attached is my FTC report XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 2025-05-17 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: GA

Complaint narrative:
These credit bureaus are responsible for the fraudulent activities on my credit report. My personal information remains unchanged. I live at XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX. My name is XXXX XXXX XXXX. 

All my student loans are paid in full. 

They need to delete all the hard inquiries on my credit report. 

They need to delete all the closed accounts on my credit report. 

These credit bureaus f my life up.

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 2025-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc
State: CA

Complaint narrative:
I received an email from Chime credit card saying that someone had access this account in a city that I live nowhere close to. I tried to call the number on their website to have this account shut down and file it as fraudulent. They kept asking for my ssn and other personal information and I refused. I just want this account closed and seen as a fraud account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: IN

Complaint narrative:
I am disputing how XXXX XXXX XXXX is reporting a collection account on my credit report. This account originated with XXXXXXXX XXXX XXXX XXXX XXXXXXXX. and was charged off, then sold to XXXX XXXX. 

However, it is currently being reported as an open account, which is incorrect and misleading. This is a collection account and should be reported as a closed collection account, not an open line of credit. 

This inaccurate reporting affects my credit utilization ratio and overall profile. It also violates the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), which requires information furnished to credit bureaus to be accurate and not misleading.

I previously disputed this with the credit bureau, but the issue was not corrected. The tradeline continues to display incorrect information, including the account type and status. No payments have been made and this is not an active credit line.

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 2025-05-17 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 am writing to formally file a complaint against TransUnion regarding inaccurate and misleading information they have reported on my credit file, and their failure to properly address my concerns. 

Recently, I reviewed my credit report and discovered that TransUnion has reported negative information that is not only inaccurate but also incomplete and misleading. Specifically, I found a derogatory mark that does not belong to me. I have disputed this information directly with TransUnion multiple times, requesting verification and supporting documentation for the reported account, as required by the Fair Credit Reporting Act ( FCRA ). 

Despite my repeated requests, TransUnion has failed to provide any proof of the debt or legitimate verification of the account in question. They have also not removed the inaccurate information from my credit file. This has caused significant harm to my creditworthiness and personal finances. 

I attached a copy of the letter I sent to TransUnion explaining the inaccuracies and requesting proper investigation and removal of the false information. I respectfully request the CFPB to investigate TransUnions handling of my dispute and ensure that they comply with their obligations under federal law.

Please let me know if you need any additional documentation or clarification to support my complaint. I appreciate your assistance in this matter and look forward to your response.

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 2025-05-17 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: LA

Complaint narrative:
his complaint is submitted against XXXX XXXX and the credit reporting agencies ( TransUnion, Equifax, and Experian ) for furnishing discrepant and inaccurate payment history data in violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Account in Dispute : Creditor : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : ( XXXX ) XXXX Account Number : Partial : XXXX XXXX XXXX XXXX XXXX Discrepancies Across the Credit Bureaus : Reporting Bureau Status Reported Delinquency Last Reported Date TransUnion Late 60 Days Reported Derogatory XX/XX/XXXX Experian Late 60 Days Reported Derogatory XX/XX/XXXX Equifax Late 60 Days OK/Current Then Derogatory XX/XX/XXXX The same account can not be " 60 days late '' across three different timeframes and remain compliant under the FCRA. This is an unacceptable violation of the accuracy standard required by law Legal Violations : 15 U.S. Code 1681e ( b ) : The bureaus must follow reasonable procedures to ensure maximum possible accuracy. The inconsistencies across all three reports demonstrate a failure to meet this obligation.

15 U.S. Code 1681i ( a ) : I previously disputed this account and received no evidence verifying the reporting accuracy. Failure to remove or correct unverifiable information violates the reinvestigation obligations.

15 U.S. Code 1692e : The continued reporting of false payment history constitutes a misleading and deceptive representation.

15 U.S. Code 1681s-2 ( b ) : XXXX XXXX , as a data furnisher, failed to properly update or correct reporting inconsistencies after dispute notification.

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 2025-05-17 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: EQUIFAX, INC.
State: LA

Complaint narrative:
his complaint is submitted against XXXX XXXX and the credit reporting agencies ( TransUnion, Equifax, and Experian ) for furnishing discrepant and inaccurate payment history data in violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Account in Dispute : Creditor : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : ( XXXX ) XXXX Account Number : Partial : XXXX XXXX XXXX XXXX XXXX Discrepancies Across the Credit Bureaus : Reporting Bureau Status Reported Delinquency Last Reported Date TransUnion Late 60 Days Reported Derogatory XX/XX/XXXX Experian Late 60 Days Reported Derogatory XX/XX/XXXX Equifax Late 60 Days OK/Current Then Derogatory XX/XX/XXXX The same account can not be " 60 days late '' across three different timeframes and remain compliant under the FCRA. This is an unacceptable violation of the accuracy standard required by law Legal Violations : 15 U.S. Code 1681e ( b ) : The bureaus must follow reasonable procedures to ensure maximum possible accuracy. The inconsistencies across all three reports demonstrate a failure to meet this obligation.

15 U.S. Code 1681i ( a ) : I previously disputed this account and received no evidence verifying the reporting accuracy. Failure to remove or correct unverifiable information violates the reinvestigation obligations.

15 U.S. Code 1692e : The continued reporting of false payment history constitutes a misleading and deceptive representation.

15 U.S. Code 1681s-2 ( b ) : XXXX XXXX , as a data furnisher, failed to properly update or correct reporting inconsistencies after dispute notification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
Somebody has taken over my XXXX account and is accessing my XXXX XXXX  account and XXXX XXXX  accounts they have been using it for exactly what kind of fraud I don't really know and then they are withdrawing money from my daughter early savers account that I'm need on they took a XXXX dollar deposited from this account an then I believe that they are cashing checks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Complaint Against Synchrony Bank ( CareCredit ) : Deceptive and Unlawful Payment Allocation and Interest Practices To the Consumer Financial Protection Bureau, I am filing a formal complaint against Synchrony Bank d/b/a CareCredit regarding their deceptive and potentially unlawful practices related to promotional financing, payment allocation, and interest assessment. I believe these practices are not only harming me as a consumer but are also indicative of a broader systemic issue that warrants regulatory investigation and enforcement action. 

Summary of Complaint : I currently hold a CareCredit account with multiple promotional financing offers ( e.g., deferred interest plans ). Synchrony Bank does not allow me to allocate payments to specific promotional balances, despite the varying expiration dates and financial implications. This inability to direct payments has led to the following problems : 1. XXXX  Payment Allocation : I have no ability to direct payments toward the promotional balances closest to their expiration date. Instead, Synchrony appears to unilaterally apply payments in a way that increases the likelihood of retroactive interest charges. 
2. Unclear and Unexplained Interest Charges : Despite making consistent and timely payments, my account continues to accrue interest without clear justification. There is no transparency in how this interest is calculated, to which transaction ( s ) it applies, or whether promotional terms are being honored.

3. Lack of Meaningful Disclosure : Synchrony fails to provide account statements or tools that clearly show the allocation of payments or the terms/status of each promotional plan. Their platform is deliberately opaque.

4. Unfair and Abusive Practices : These actions may constitute Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) under the Consumer Financial Protection Act ( 12 U.S.C. 5531, 5536 ).

5. Potential Violations of Regulation Z and TILA : Under Regulation Z ( 12 CFR 1026.53 ), issuers are required to apply any payment in excess of the minimum payment to the balance with the highest APR, unless otherwise directed by the consumer.

Truth in Lending Act ( 15 U.S.C. 1601 et seq. ) requires clear disclosure of payment terms, interest computation, and consumer rightsnone of which are being met in this situation.

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 2025-05-17 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: NJ

Complaint narrative:
XXXX'i was a victim of the Equifax breach as well as the breach that exposed over 70 million Americans info. Due to my info being exposed I was a victim of identity theft. I made the credit reporting agencies (Equifax, Experian, and TransUnion) aware that they are reporting fraudulent information on my consumer report. The credit reporting agencies have failed to comply with the Fair Credit Reporting Act (FCRA) and have caused me significant financial and emotional distress. I need all of the fraudulent account removed immediately including the following accountsXXXX 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 2025-05-17 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: SC

Complaint narrative:
The accounts listed are not mine XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX Inquiries : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: SC

Complaint narrative:
The accounts listed are not mine XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX Inquiries : 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 2025-05-17 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX'i was a victim of the Equifax breach as well as the breach that exposed over 70 million Americans info. Due to my info being exposed I was a victim of identity theft. I made the credit reporting agencies (Equifax, Experian, and TransUnion) aware that they are reporting fraudulent information on my consumer report. The credit reporting agencies have failed to comply with the Fair Credit Reporting Act (FCRA) and have caused me significant financial and emotional distress. I need all of the fraudulent account removed immediately including the following accountsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: NJ

Complaint narrative:
XXXX'i was a victim of the Equifax breach as well as the breach that exposed over 70 million Americans info. Due to my info being exposed I was a victim of identity theft. I made the credit reporting agencies (Equifax, Experian, and TransUnion) aware that they are reporting fraudulent information on my consumer report. The credit reporting agencies have failed to comply with the Fair Credit Reporting Act (FCRA) and have caused me significant financial and emotional distress. I need all of the fraudulent account removed immediately including the following accountsXXXX 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 explanation
Consumer complaint received 2025-05-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing this complaint due to repeated mishandling of a credit card dispute by Capital One regarding a charge of {$400.00} from a deceptive third-party website called XXXX XXXX 

I was misled by a pop-up site designed to mimic an official hotel booking platform. The site presented itself in a way that made it appear I was booking directly with the hotel. Without my clear understanding, I was charged {$400.00} for a reservation I did not authorize with that third-party entity. I never received services, and I never stayed at the hotel. I also submitted written documentation to Capital One including a copy of the legitimate hotel reservation I made for the same dates, which clearly shows I intended to book elsewhere. 

XXXX XXXXXXXX used deceptive design tactics to bait customers into submitting payment information under the false impression they were booking directly with the hotel. Once I realized what had occurred, I immediately tried to resolve it. XXXX XXXXXXXX was unreachable by phone and displayed unprofessional conduct, making it impossible to rectify the matter directly with them. 

Over the span of this process, I filed three disputes with Capital One : 1. The first dispute was incorrectly filed under the code Cancelled Reservation which was not the correct description of the issue. I had not booked with XXXX XXXX knowingly or intentionally, nor was it a cancellation.

2. The second dispute was filed under Fraud. Unfortunately, this also failed to capture the full context. XXXX XXXXXXXX responded and the dispute was denied due to insufficient evidence and authorized due to me providing my XXXXC info.

3. For the third dispute, I requested a supervisor, who finally filed the claim correctly under Services Not Rendered. I explained that I had never received any services and had no intent to book through this company. If any booking did occur, it was due to deceptive design and baiting by the site. 

Despite providing Capital One with written statements, and photocopies of my legitimate reservation, I have been denied resolution. The original denials were based on procedural errors caused by Capital Ones own representatives who failed to listen fully and file the dispute properly the first two times.

This issue has caused me undue stress and financial hardship, and I believe my rights under the Fair Credit Billing Act are being disregarded. I respectfully request the CFPB investigate this matter and assist in ensuring that Capital One evaluates my case fairly and accurately, considering all the documentation and circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: ID

Complaint narrative:
I received a prepaid gift card from my employer in XX/XX/year>XXXX  I tried using that gift card recently to make a purchase and was told I was unable to use the card at the register Ive been called the phone number on the back of the card which is XXXX and was told that the car did have a balance of {$100.00} would have been marked as potential fraudulent. I was then told I needed to fax a copy of the front and back of the card and front and back of my government issued ID to their fax number at XXXX which I did I then followed up with this company calling the 800 number again of XXXX and was told they received the fax that I had sent at my own cost to the company, but was unable to verify and read the security features of my government issued ID on the fax and was told to enlarge the image and lighten the image by two shades when I sent the fax which I then did again on XXXX XXXX, and Ive been followed up two days later with the company through their 800 number and was told that they still were unable to read the image I then sent another attempt at a lighter shade faxed to the same number requested in the company again said they were unable to read security features on my government ID I see this is just a simple way to run a scam and not pay out the gift card that my employer purchased from their company and supposedly backed by US Bank. I then asked for a supervisor was able to give me a XXXX XXXX XXXX XXXX for car hauler services in XXXX, FL XXXX as a ZIP Code and I mailed this on XXXX XXXX and today is now XXXX XXXX and they still have no update regarding the mailed item to them of a perfect color copy of my ID and the gift card.

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