vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 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: TX

Complaint narrative:
Demand for deletion of Student Loan Accounts under FERPA. I am writing to formally demand the removal of student loan accounts listed on my credit report in accordance with the Family Educational Rights and Privacy Act ( FERPA ). Under FERPA, my education records are protected from unauthorized disclosure without my written consent. Since my student loan records originate from my educational file, any reporting of such accounts without my direct, written permission constitutes a violation of FERPA. As such, I am exercising my rights under federal law and requesting immediate deletion of all student loan accounts from my credit file. Pursuant to the Fair Credit Reporting Act ( FCRA ), I also request that you conduct an investigation into this matter and provide a written response within 30 days, as required by law. If the accounts are not removed, I demand a detailed explanation along with the specific legal grounds that permit their continued reporting. Please consider this letter as my formal dispute of these accounts. If these accounts are not deleted, I am prepared to escalate this matter by filing complaints with the U.S department of Education. and other regulatory agencies as necessary. I appreciate your immediate attention to this matter. Please confirm the deletion of the disputed accounts in writing.

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 2025-05-20 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: OH

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-05-20 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I have submitted numerous disputes about the 90 day recurring bill from XXXX  XXXX for a service I don't use. 

I've submitted the phones XXXX  number and kept telling them to request mobile use. I use XXXX. I lost the original XXXX card sent to me from XXXX XXXX to prove I'm not using it yet they have billed be for the past 18 months and refuse to STOP. 

Stop holding people as your financial hostages to get out of these contracts!

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 2025-05-20 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: IL

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Reporting Dear XXXX XXXX XXXX, I am writing to formally dispute inaccurate and misleading information that you have reported to [ Experian/Equifax/TransUnion ] regarding my account with you. This inaccurate reporting has had a negative impact on my credit file, and I respectfully request an immediate investigation and correction. 



Specifically, the following details are being inaccurately reported : Payment History : The reported payment history contains incorrect information that does not reflect the actual payments made. 

Account Terms : The terms associated with the account are not consistent with the original agreement. 

Closing Date : The date listed for account closure is incorrect. 

Account Status : The current status of the account is misrepresented and does not accurately reflect its condition. 

I request method of verification, who did you interview with what's their name? to confirm this debt is 100 % accurate/ belongs to me, what time did you speak, what date, what documentation was given to you, please send this information to me within 15 days if this can't be issued to me please remove this account from my credit report immediately. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you review the accuracy of the information you provided to [ Credit Bureau ], correct any errors, and ensure that only verified, accurate, and complete information is reported. 

Thank you for your attention, please handle this investigation properly and during the legal time frame. 

yours truly, 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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing this complaint because fraudulent accounts are being reported on my credit file. I am a victim of identity theft. I have submitted an Identity Theft Report from the FTC and supporting documentation. Despite this, the credit bureaus and creditors continue to report inaccurate, incomplete, and unverifiable information. 

Below are the fraudulent accounts currently listed on my TransUnion credit report dated XX/XX/XXXX : XXXX. XXXX Revolving Account Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} I never opened or authorized this account. This debt does not belong to me. 
XXXX. XXXX XXXX XXXX Account Number : XXXX Balance : {$740.00} Original Creditor : XXXX  XXXX XXXX  This collection account was opened fraudulently. I did not authorize this debt and it must be removed. 
XXXX. XXXX XXXX XXXX Account Number : XXXX Balance : {$920.00} Original Creditor : XXXX XXXX XXXX This is another fraudulent collection. I did not open or authorize this account. 

These accounts may appear with statuses such as charged off or contain remarks like settled for less than full balance, yet there is no legitimate history of delinquency or signed contract associated with my identity. Furthermore, the reporting is incomplete and lacks proper identification of the original creditor in some cases. This violates the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 and 1681c.

I formally request the immediate deletion of these accounts from my credit reports or the full verification of their legitimacy, including original signed agreements and full payment histories. If the information can not be verified in full, it must be removed as required by federal law. 

Please find attached my FTC Identity Theft Report and supporting documents.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: KS

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: NY

Complaint narrative:
I am a victim of of identity. MY only name is XXXX XXXX My only address is XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-05-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am submitting this complaint as a follow-up to a previously closed CFPB case ( Complaint ID : XXXX ). Capital One has denied several fraud/dispute claims on my credit card ending in XXXX using vague language such as authorization and/or participation. Despite multiple requests, they have not provided any documentation or explanation to support their decisions. 

I was told the claims were thoroughly investigated, but no supporting evidence has been provided. In fact, one claim that had originally been denied was later reopened and partially refunded only after I filed a complaint. This inconsistency raises concerns about the fairness and transparency of Capital Ones process.

I have repeatedly requested : A full explanation of the investigation process Supporting documents used to deny each claim Clarification on why some claims were reopened and others were not I was told documentation would be escalated and sent, but I have not received it. I was also told some claims are under review, yet I continue to receive generic denial notices with no real resolution.

I am now resubmitting a complaint not just about the transactions, but about Capital Ones lack of transparency, due process, and refusal to provide documentation as required under Regulation E and fair credit billing standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XX/XX/year>, my small business checking account was charged over {$600.00} in overdraft fees by Truist Bank. As a small business owner operating during a financially difficult time, I contacted the banks customer service department to request a one-time hardship adjustment, explaining that these fees were the result of a temporary cash flow disruption. 

I escalated the issue multiple times, first to a representative, then to a manager, and finally to a supervisor. I clearly communicated that I had received a courtesy fee reversal once in the pas, but that my business was now facing a new and significant financial hardship. I emphasized that the overdraft fees were preventing me from stabilizing and operating my business. 

Despite this, the bank representatives repeatedly told me that nothing could be done, and that no fees would be waived under any circumstances. They also stated that it wouldnt matter if I closed my business account which made it clear they were unwilling to support small business customers facing real hardship. 

I am requesting that the Consumer Financial Protection Bureau review this issue and request that the bank reverse or reduce these overdraft fees as a one-time business hardship accommodation.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to inform you that I have recently become a XXXX of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-05-20 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: TX

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: IL

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

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 2025-05-20 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: PA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX XXXX TransUnion credit report on XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-20 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Hello, My wife and I have been using XXXX XXXX or Synchrony Bank for our dental expenses. Last year we had significant dental costs, so we logged into Synchrony Website in XX/XX/XXXX to increase our XXXX XXXX to {$300.00} to pay down our debt. We always saw that we were paying a little interest and were ok with that, but we had no idea we were on a promotional program that was about to expire in XX/XX/XXXX. Had we known we surely would have paid the {$1100.00} balance. Instead we missed that deadline and did not check our account until now, XX/XX/XXXX. Only to find out we were charged {$1700.00} in XXXX, {$86.00} in XXXX and {$91.00} in XXXX. 

We contacted Synchrony Bank to plead our case but they said there is nothing they can do because we have exceeded the 30 day grace period. We feel that this promotional program was deceptive because neither on the website nor in the XX/XX/XXXX statement ( see Attachment ) were we clearly warned of the severity of not paying the {$1100.00} balance. Perhaps for such a big penalty maybe we should get an email. Like most families, we are very busy working to pay the bills, and therefor setup auto pay for our mortgage, utilities, bank and credit cards. We do not have time to marshal are accounts continually, and we also do not have time to study unclear statements. 

This {$1700.00} is a major hardship for us, as we are already struggling to make ends meet. 

Thank you for any help.

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 2025-05-20 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: SC

Complaint narrative:
These accounts are not mine : DEPT OF ED/XXXX DEPT OF EDXXXX

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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