vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 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: FL

Complaint narrative:
The account showing the balance when we open three years ago, the balance when you called them is way different so also it was a account open and the same year by then that it is paid off, but still showing in my grave report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Synovus Bank
State: FL

Complaint narrative:
I opened a checking account with Synovus Bank under the clear understanding that it was a free checking account with no monthly service fee or minimum balance requirement. This was confirmed at account opening, and on a prior occasion when I considered closing the account, Synovus staff specifically convinced me to keep it open because it was free. Despite this, Synovus began charging a recurring {$10.00} Financial Service Fee. 
When I questioned this fee, the bank responded that my free checking account had been converted and claimed they had mailed me a conversion letter. I never received this letter. Given Synovuss prior issues with sending my mail to outdated addresses despite updates in their system, I specifically requested proof of mailing, but the bank has failed to provide any evidence. Instead of addressing my concerns, they gave me only generic account closure instructions. 

This situation represents a breach of trust and a deceptive practice. I was misled into keeping my account open under the promise that it was free, only to later be charged fees without my knowledge or consent. The banks lack of transparency and failure to provide proof of proper notice raises serious concerns about its practices. When I escalated this matter to the XXXX XXXX XXXX Synovus falsely claimed that the issue had been resolved, which is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: TX

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I am formally disputing the late payment currently reported on my credit account. My records confirm that all payments were made timely, and the reported entry is erroneous. This false information is negatively impacting my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: CA

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report one fraudulent account appearing on my consumer FICO TransUnion, Experian, and Equifax credit reports which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of an auto loan account opened at XXXX XXXX XXXX  on XX/XX/2019 under account number XXXX. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit reports. I demand that the aforementioned fraudulent item be removed from each of my consumer credit reports and that all collection activity related to said item cease pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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:
I am filing this FTC Identity Theft Affidavit to report one fraudulent account appearing on my consumer FICO TransUnion, Experian, and Equifax credit reports which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of an auto loan account opened at XXXX XXXX XXXX  on XX/XX/2019 under account number XXXX. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit reports. I demand that the aforementioned fraudulent item be removed from each of my consumer credit reports and that all collection activity related to said item cease pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Initial Problem : My ability to initiate external transfers ( e.g., to XXXX XXXX XXXXXXXX ) was suddenly XXXX without explanation. Attempts to fund these accounts failed repeatedly. 


Customer Service XXXX : PNCs automated system refused to connect me to a live representative. No option was provided to bypass automation or speak directly with support. 


Escalation Attempt : I filed a formal complaint via XXXX XXXX XXXX XXXX XXXX XXXX XXXX which triggered a response from Executive Client Relations. 


Contact Provided : XXXX XXXX from Executive Client Relations left a voicemail with a direct callback number ( XXXX ), but the message was garbled and lacked clarity. 


Follow-Up : I requested written communication for clarity and documentation. No written resolution plan, timeline, or bypass instructions were provided. 


Second Outreach : I sent a follow-up email reiterating my request for written instructions and flagged ethical concerns about intentional opacity and denial of remedy.

This is not a simple service failureits a systemic obstruction : Automated gatekeeping prevents access to live support. 

No written resolution was offered despite formal escalation. 

Voicemail failure and lack of follow-up compound the issue. 

Digital design choices appear optimized for cost-cutting, not customer care.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance. 

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

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 2025-08-19 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: DISCOVER BANK
State: IL

Complaint narrative:
I am a victim of identity theft according to the FCRA section 605B. This information must be removed within 4 days. Please remove account immediately. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX XXXX, Consumer Date of Birth : XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: CO

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had 3 instances of fraud on my Checking account through my debit card. In the past with fraud, weve received immediate provisional credit. They now say they dont do that. My house payment and electric payment will put me negative with no money at all for the next 10 business days as they were paid previous to the fraud. I have documents and proof that this is not how fraud has been handled in the past. I have been with Wells Fargo since XXXX  and I have praised their support. They have left me with nothing for 10 business days, no way to feed my children, pay my bills, nothing. Theyve told me even if fraud is proven, they will not repay any bounced check or late payment fees. 
Again, I have direct documentation that this is not how fraud was handled in the past. They can not give me information on when their process changed,

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 2025-08-19 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: GA

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT 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 explanation
Consumer complaint received 2025-08-19 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: GA

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paramount GR Holdings, LLC
State: NC

Complaint narrative:
I am filing this complaint against Goodleap Financial for inaccurate credit reporting, abusive collection practices, and failure to comply with IRS reporting requirements. 

I have disputed these accounts three separate times with XXXX XXXX, and XXXX. Each time, I provided documentation showing the accounts are inaccurate, incomplete, and unverifiable. Despite this, both creditors continue to report negative information, which violates my rights under the Fair Credit Reporting Act ( FCRA ). 

Additionally, this creditor has issued a required 1099-C ( Cancellation of Debt ) to me or the IRS, which raises further questions about the validity of the debt and violates IRS rules .

Goodleap Financial and/or its representatives have also engaged in harassing and discriminatory conduct, including : Making unannounced visits to my home.

Sending armed individuals to my residence. 

Using XXXX slurs and threats during communications. 


These actions are clear violations of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits harassment, abuse, and unfair collection practices. 

Requested Resolution : Immediate investigation into both creditors for violations of FCRA, FDCPA, and IRS reporting requirements. 

Removal of these negative and unverifiable accounts from all three credit bureaus. 

Enforcement action against Goodleap Financial for harassment and discriminatory behavior. 

Written confirmation that these matters have been resolved. 


Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
Regarding complaint # XXXX Credit card was sent to wrong address and was stolen by XXXX XXXX and purchases were made of {$20000.00}. I didn't know about this until last year ( XXXX  ) after receiving collection notifications. They informed me that she was an authorized user. I had added her a few years ago but immediately removed her when my credit score was impacted. They still have her as an authorized user, even after my request ( I didn't know this ). She had to have been removed because my credit scoXXXX was impacted and increased to my previous score. I received a letter stating that they had ruled in favor of my dispute ; however, there is still a balance due of over {$2000.00} which is not in my favor. I contacted Synchrony Bank and they refuse to cancel out this balance.

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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc
State: CT

Complaint narrative:
I lived in apartment and lease was supposed to be fulfilled till XX/XX/year> but I was having issues and threats from people who lived in the area so I explained over the phone about the situation and landlord stated that it was ok for me to leave so I left on XX/XX/XXXX I submitted the keys and they tried to evict me but I left months before they sent me a letter saying I had to go and they end up keeping my security deposit then tried to say I owed them for the months I didnt lived there but clearly I got the okay to leave by the landlord and thats completely wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as I did not authorize its creation or use. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am contacting you regarding an unauthorized hard inquiry listed on my credit report. I did not apply for credit with the entity associated with this inquiry and have no record of granting 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 explanation
Consumer complaint received 2025-08-19 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: NY

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 non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Nelson, Cooper & Ortiz, LLC
State: GA

Complaint narrative:
At XXXX I received a phone call from Nelson , Cooper , Ortiz LLC at XXXX. Stating false claims and assumptions that I committed check fraud and that they were going to issue a warrant for my arrest and have me thrown in prison. Stating I did something with 2 checks or another, I honestly have no clue what they are referencing and saying it's from a previous employer with whom I haven't ever worked for before. They are harassing and threatening me which is in violation of the FDCPA. I want actions taken against them immediately for this.

Company response to consumer: Untimely response