vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 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: NY

Complaint narrative:
The credit company has given me the runaround for six months regarding a charge for an item I returned to the merchant. For months, Synchrony Bank/PayPal Credit has been requesting information that they already possess. As of XX/XX/XXXX, they are now asking me to return the item, even though I returned it on XX/XX/XXXX. They seem unwilling to resolve this matter and are attempting to charge me the amount of {$130.00}.

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 2025-04-11 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 
**Accounts in Question : ** XXXX XXXX XXXX Account # XXXX, {$1100.00} XXXX XXXX XXXX XXXX Account XXXX XXXX, {$400.00} -XXXX XXXX  Account # XXXX, {$1100.00} XXXX XXXX XXXX XXXX  Account # XXXX, {$180.00} XXXX XXXX XXXX XXXX Account # XXXX, {$720.00} **Personal Information : ** Addresses : XXXXXXXX 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 2025-04-11 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: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
According to the FRCA laws I did not receive a 1099C from this creditor the account says charge off, written off and late payments, they have written this account off as a profit loss., I wanted a copy to my 1099C and they have not presented it to me this is considered as fraud, and I want this account removed off my credit report immediately. Thanks

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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
The account in question is inaccurately being reported as Derogatory with the remark Settled - less than full balance. However, this account shows a {$0.00} balance, a closed status, and a perfect payment history with no late payments reported ( XXXX for XX/XX/year> days late ). The account history clearly reflects consistent, on-time payments throughout its term. 

This inaccurate derogatory status and remark may be negatively affecting my credit profile and does not reflect the accurate handling of the account. I am requesting that this error be promptly investigated and corrected by removing the derogatory status and settled remark from my credit file.

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 2025-04-11 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2025-04-11 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: WA

Complaint narrative:
Hello Sir/ Madam, I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX , I do not have a contract with XXXX XXXX XXXX XXXX XXXX , they did not provide me with the original contract as i requested. 

I am requesting a correction to my credit report. I demand this account to be removed from Experian, Equifax, Transunion and any other major credit report reporting agency. 

Respectfully, XXXX XXXX, ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: WA

Complaint narrative:
Hello Sir/ Madam, I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX , I do not have a contract with XXXX XXXX XXXX XXXX XXXX , they did not provide me with the original contract as i requested. 

I am requesting a correction to my credit report. I demand this account to be removed from Experian, Equifax, Transunion and any other major credit report reporting agency. 

Respectfully, 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 2025-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I opened a checking account with Chase Bank more than 10 years ago in XXXX XXXX, TX. I transferred funds from XXXX to purchase a home in XXXX. After the purchase, there was still a large balance in my account. A few months later, I was notified that my account would be closed without any explanation. 

Since then, I have repeatedly applied for Chase credit cards, but they have either been denied or closed shortly after being opened. I have contacted customer service by phone, visited a local branch, and used online support, but no one has been able to provide a reason or help me resolve this issue. 

I believe there may be a misunderstanding, and I would like this matter to be formally reviewed and clarified. I am requesting Chase provide an explanation for the account closures and allow me the opportunity to restore my banking relationship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: NM

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$260000.00} XXXX  XXXX Balance : {$260000.00} XXXX XXXX Balance : {$260000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: NM

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$260000.00} XXXX  XXXX Balance : {$260000.00} XXXX XXXX Balance : {$260000.00}

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 2025-04-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Reel Time Capital LLC
State: TX

Complaint narrative:
I received a call on XX/XX/year> from an unknown number stating that a claim will be filed against me in XXXX XXXX. They then contacted my mother. When I called the number back they stated that it was a law office and that they were going to be pursuing allegations of intent to defraud a company. They told me that if I wanted to keep this out of court and to not have criminal actions against me that I would need to escalate this matter to the senior advisors, which I did. They told me that if I paid money today and could guarantee them complete payment, they wouldnt pursue criminal charges. I ended up paying them the full amount stated. After doing some research I believe that this was a scare tactic as the debt collector XXXX XXXX XXXX. They said that they have sent multiple notices. I have received none. They had my date of birth home address and last four of my social. Additionally, they said that I would receive an email with confirmation and disclosure within three business days. It never arrived. I called and asked about it given that I was instructed that Id need to sign it and attach a copy of my license. They again said to give it 3 business days, that they were being bought out by a different company when they called. Its now been 4 business days and I have yet to receive the email with disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: IL

Complaint narrative:
It has been drawn out that Credit Bureau is 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. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance {$220.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-04-11 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: EQUIFAX, INC.
State: AL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in having unauthorized credit inquiries and accounts removed from my credit reports with Experian, TransUnion, and Equifax, in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b and 15 U.S.C. 1681i.

My personal information, including my Social Security number, was compromised in a data breach, and I am now a victim of identity theft. I filed an initial identity theft report with the Federal Trade Commission ( FTC ) in XX/XX/XXXX, and I have submitted a new report in XX/XX/XXXX specifically addressing the unauthorized credit inquiries listed below. 

I did not authorize the following credit inquiries or tradelines, which were created without my consent between XX/XX/XXXX, and XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Under 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report if there is a permissible purpose and the consumers consent. These inquiries were made without my authorization, violating this provision. Additionally, under 15 U.S.C. 1681i, I have the right to dispute inaccurate or incomplete information on my credit report and request its removal. 

Please refer to the FTC Identity Theft Report filed in XX/XX/XXXX, which documents unauthorized activity, and the new FTC report submitted in XX/XX/XXXX, which supports my request to remove these inquiries and any related tradelines. I have also taken steps to correct and secure my personal information and do not wish to add a fraud alert at this timeI simply want my credit reports to reflect accuracy. 

I respectfully request that the Consumer Financial Protection Bureau help facilitate the removal of these unauthorized inquiries and accounts from my credit reports with all three credit bureaus. 

Thank you for your time and assistance. 

Sincerely, 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 2025-04-11 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.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in having unauthorized credit inquiries and accounts removed from my credit reports with Experian, TransUnion, and Equifax, in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b and 15 U.S.C. 1681i.

My personal information, including my Social Security number, was compromised in a data breach, and I am now a victim of identity theft. I filed an initial identity theft report with the Federal Trade Commission ( FTC ) in XX/XX/XXXX, and I have submitted a new report in XX/XX/XXXX specifically addressing the unauthorized credit inquiries listed below. 

I did not authorize the following credit inquiries or tradelines, which were created without my consent between XX/XX/XXXX, and XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Under 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report if there is a permissible purpose and the consumers consent. These inquiries were made without my authorization, violating this provision. Additionally, under 15 U.S.C. 1681i, I have the right to dispute inaccurate or incomplete information on my credit report and request its removal. 

Please refer to the FTC Identity Theft Report filed in XX/XX/XXXX, which documents unauthorized activity, and the new FTC report submitted in XX/XX/XXXX, which supports my request to remove these inquiries and any related tradelines. I have also taken steps to correct and secure my personal information and do not wish to add a fraud alert at this timeI simply want my credit reports to reflect accuracy. 

I respectfully request that the Consumer Financial Protection Bureau help facilitate the removal of these unauthorized inquiries and accounts from my credit reports with all three credit bureaus. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: AMERICAN HONDA FINANCE CORP
State: HI

Complaint narrative:
> During the COVID-19 pandemic, I entered into a payment deferral agreement with American Honda Finance . I was informed that my deferred payments would not be reported as late or delinquent. However, as recently confirmed by the CFPB enforcement action dated XX/XX/XXXXXXXX XXXX XXXX, Honda Finance inaccurately reported many customersincluding potentially myselfas delinquent during deferral periods. 
Although my credit report now shows the account as closed and I do not currently see a derogatory mark, I believe my report may have previously contained negative or misleading information. I was not notified of any correction nor was I offered redress. 
I am requesting an investigation into whether my account was one of those affected. If so, I am seeking full monetary relief and correction, as per the CFPB 's order requiring Honda Finance to pay {$10.00} XXXX to harmed consumers and a {$2.00} XXXX penalty. 
I also request documentation confirming that no inaccurate reporting occurred, or that corrective actions were taken if they did. 
The CFPB already found that Honda Finance failed to notify consumers and credit bureaus properly during disputes and deferrals. I believe I may be eligible for redress under the CFPB 's enforcement order.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: PA

Complaint narrative:
This letter is being sent to you in response to the fact that I have recently viewed negative items reported on my files with the Credit Bureaus. Be advised that this is not a refusal to pay but a notice sent pursuant to the Fair Debt Collection Practices Act 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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.
State: AL

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company response to consumer: Closed with non-monetary relief