vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/year>2025, I received a notice from Synchrony Bank that they were closing my account. This letter came 1 month after I had completely paid off my account without any late payments. This type of non-voluntary closure on my credit report negatively impacts my credit rating. There was no reason for this bank to close my account given my 100 % on time payment history. If the company wants to keep my account closed, it should be reflected as " paid in full ''. To arbitrarily close my account based on random credit checks seems illegal at best. Why didn't they close my account when I was still paying on it? 
Please investigate this matter for me. 
Thank you

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 2025-03-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I received mail from debt collectors on accounts and inquiries that were not authorized to be opened by me. I ordered my credit report and discovered many items being reported that were not opened by me. In recent years my name, social security number, date of birth, and address have been involved with several data breaches. I received correspondence about my information being leaked from companies such as XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Experian, and XXXX XXXX XXXX I have reached out to EQUIFAX, EXPERIAN, TRANSUNION the CFPB and all companies asked for an FTC Identity Theft report to start and complete the deletion process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: CA

Complaint narrative:
I received mail from debt collectors on accounts and inquiries that were not authorized to be opened by me. I ordered my credit report and discovered many items being reported that were not opened by me. In recent years my name, social security number, date of birth, and address have been involved with several data breaches. I received correspondence about my information being leaked from companies such as XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Experian, and XXXX XXXX XXXX I have reached out to EQUIFAX, EXPERIAN, TRANSUNION the CFPB and all companies asked for an FTC Identity Theft report to start and complete the deletion process.

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 2025-03-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

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, CHALLENGEDORNOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello, this accounts transaction and charges are fraudulent. I never benefited from any of these transactions, but rather it did a lot of damage to me. I need these fraudulent transactions to be removed from my credit report ASAP in order to prevent further fraudulent activity of my information. Do anything necessary to remove them from my report. Please..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: TX

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. Please review all the documents I've sent in regards to this!

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 2025-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I have been trying to cancel, dispute and block a recurring {$15.00} charge from XXXX XXXX XXXX since XX/XX/scrub> 2024. 

Despite repeated attempts to contact the merchant, and my credit card company Chase, I continue to get charged. 

I need help cancelling a recurring subscription for {$15.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: PA

Complaint narrative:
TRANS UNION CREDIT BUREAU IS REPORTING INCORRECT INQUIRIES ON THE REPORT.

1 ) XXXX  DATE : XX/XX/XXXX 2 ) XXXX DATE XX/XX/XXXX 3 ) XXXX XXXX XXXX DATE : XX/XX/XXXX 4 ) XXXX XXXX XXXX DATE : XX/XX/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 2025-03-20 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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

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 2025-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
Timeline of Events : American Express XXXX to XXXX XXXX  Issue XX/XX/XXXX : I received a new American Express XXXX XXXX with a promotional offer of XXXX bonus points if I spent {$8000.00} within six months. The card had an annual fee of {$750.00}. 

XXXX XX/XX/XXXX : After XXXX to XXXX weeks, I realized that the annual fee was unaffordable. I contacted XXXX XXXX to request a cancellation of the card. They informed me that it could not be canceled but could be downgraded to the XXXXXXXX XXXX  which has a {$150.00} annual fee. Finding this more manageable, I agreed to the downgrade. 

XX/XX/XXXX : I contacted Amex customer support to confirm the spending requirement for the bonus points. They assured me that I still needed to spend {$8000.00} within six months and that the promotional offer remained valid despite the downgrade, as it was attached to my account. 

XX/XX/XXXX : I reached out again for further confirmation, but this time, I was informed that there was no promotional bonus and that I would not receive the XXXX points. When I asked for clarification, Amex initially agreed to review the situation but later denied ever having filed such a review. 

XX/XX/XXXX : I was contacted by an Amex representative, who stated that the best resolution they could offer was to refund my {$150.00} annual fee. 


Conclusion I made financial decisions based on Amexs assurance that the promotional bonus remained valid post-downgrade. As a result, I began spending towards the {$8000.00} XXXX, having already spent around {$1500.00} with the expectation of earning XXXX points ( equivalent to {$1200.00} ). The later denial of the bonus means that my spending was based on incorrect information, leading to an unnecessary financial commitment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-20 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: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: CA

Complaint narrative:
XXXX XX/XX/2025, XXXX XXXX instructed his team of XXXX XXXX XXXX XXXX XXXX XXXX XXXX to gain access to multiple internal systems within the Department of Education XXXX including financial aid dataset that contains the personal information of millions of students enrolled in the federal student aid program. My information was among that dataset that has been compromised

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX - XX/XX/XXXXXXXX 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/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
XXXX  XXXX Account was paid but still shows up on report. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
XXXX  XXXX Account was paid but still shows up on report. XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-20 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: TX

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. Please review all the documents I've sent in regards to this!

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 2025-03-20 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: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: TX

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. I want this unauthorized inquiries account blocked from my credit report within 5BD

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2025-03-20 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: PNC Bank N.A.
State: IL

Complaint narrative:
Company Name : PNC Bank, N.A.

Account Type : Auto Loan What Happened?

" PNC Bank has fraudulently reported my auto loan as a charge-off rather than a repossession and sale. This misrepresentation is inaccurate and damaging to my credit. I disputed this with XXXX, but PNC failed to correct it. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate reporting and a proper reinvestigation of disputes. PNC has failed to provide a full accounting of the loan, including the repossession date, sale price, and deficiency balance calculation. 

According to the documentation in my possession, PNC Bank wrongfully wrote off a balance of {$19000.00} and reported my account as " charged off '' rather than accurately reflecting that the vehicle was repossessed and sold. By doing so, PNC misled me, the credit bureaus, and other financial institutions about the true nature of this account. There are 67 reported charge-offs for this single account reporting on my consumer report.

This misrepresentation has caused me significant financial harm, including but not limited to damage to my credit score, potential denials of credit, and reputational harm. Under federal law, I am entitled to statutory damages for willful misreporting, and I fully intend to seek redress for this violation.

Immediate correction of my credit report to reflect that the account was paid in full and never late. Please investigate this matter immediately. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: CA

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by XXXX as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA.

Legal Precedent : 1.Parker v. Time Warner Entertainment Co. L.P. , 331 F.3d 13 ( 2d Cir. 2003 ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process.

2.Sarver v. XXXX XXXX XXXX XXXX XXXX , 390 F.3d 969 ( 7th Cir. 2004 ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
3.Henson v. Santander Consumer USA , Inc. , 2017 U.S. Dist . LEXIS 191143 ( E.D. Va. 2017 ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2025-03-20 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: FL

Complaint narrative:
A dispute letter regarding an error on my credit report for account listed as " XXXX '' was sent to Equifax ( XXXX XX/XX/year> ). The balance being reported is {$11000.00} which is incorrect based on the deficiency letter received from XXXX with a balance of {$12000.00}. I have attached this letter and documentation. 

As of XX/XX/year>, this error has not been correct. I am now requested this account be removed in accordance with FCRA guidelines.

Company response to consumer: Closed with explanation