vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 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: AR

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 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 2025-11-16 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: AZ

Complaint narrative:
I am filing a complaint because the credit bureaus are reporting accounts inaccurately. These accounts were opened/affected during a documented XXXX  XXXX situation. 

I have already requested verification and correction through the credit bureaus, and they have failed to properly investigate under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$19000.00} Charge off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$600.00} Charge off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge off XXXX XXXX {$400.00} Collection These accounts do not reflect my actual responsibility, access, or authorization due to the circumstances of XXXX  XXXX and XXXX  XXXX. I am requesting CFPB assistance in requiring the credit bureaus to : Properly investigate, Remove or correct the inaccurate information, and Provide written confirmation of the results. 

I can provide documentation if needed.

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 2025-11-15 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: NY

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-11-15 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: NY

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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:
Im not connected to these accounts ; please take them off within 15 days following USC 1681g.

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 2025-11-15 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: RI

Complaint narrative:
I recently reviewed a copy of my Credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-11-15 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: DISCOVER BANK
State: PA

Complaint narrative:
Hi! On XX/XX/XXXX Ive got scammed on gas station. I put a gas for XXXXXXXX XXXX but week after I find out they charged me XXXXXXXX XXXX wich impossible. I have a car Hundai sonata XXXX what means I can put in my gas tank no more that XXXX gallons on gas and maximum price gon na be around XXXX XXXX I went to gas station and they said me its was a lot of scammers that time on gas station and they do have a videotape about my case. Then I went to police and did police report, gas station gave a video to police and with all of this I went to my bank. I have a credit card Discovery. In 1 month they responded to my, they checked all of evidence and decided I really did that transaction. The question is how I can do that? How they took this decision if I saw a video tape how some guy after I get out from gas station putting a gas for free in another cars. Security of gas station said scammers was using special equipment for when you put gas in you car and get out they can use it after you. So on video they can see how I put a gas in my car and get out, after me some guy came and did his things. I also sent to them all of my transaction from gas station and for all my life I did put gas more that XXXX XXXX They decided it was my transaction. I dont wan na deal with this bank anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: TN

Complaint narrative:
on XX/XX/XXXX i signed up for public service loan forgiveness while working for the XXXX  and XXXX  and filled out all proper paper work my students loans should've have been XXXX due to the agreement. The loans where XXXX then readded as a duplicate in XXXX I HAVE DISPUTED and asked that these accounts be removed. still they have been readded with incorrect information and are on there as duplicates accounts which are violating my consumer rights.

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 2025-11-15 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: TN

Complaint narrative:
on XX/XX/XXXX i signed up for public service loan forgiveness while working for the state and nonprofit and filled out all proper paper work my students loans should've have been XXXX due to the agreement. The loans where XXXX then readded as a duplicate in XXXX I HAVE DISPUTED and asked that these accounts be removed. still they have been readded with incorrect information and are on there as duplicates accounts which are violating my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: TN

Complaint narrative:
on XX/XX/XXXX i signed up for public service loan forgiveness while working for the state and nonprofit and filled out all proper paper work my students loans should've have been XXXX due to the agreement. The loans where XXXX then readded as a duplicate in XXXX I HAVE DISPUTED and asked that these accounts be removed. still they have been readded with incorrect information and are on there as duplicates accounts which are violating my consumer rights.

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 2025-11-15 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:
Despite multiple disputes, Experian and TransUnion continue to report a student loan account from XXXX that is inaccurate. XXXX has admitted they did not investigate or provide validation. I sent a 10-day notice demanding deletion, yet the bureaus have not removed the account. This is a clear failure to comply with the Fair Credit Reporting Act, as the account can not be verified, and the inaccurate reporting remains on my credit 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 2025-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Upon being fraudulently robbed through the XXXX department with XXXX department on XX/XX/year> i was debited back XXXX Since then I used my camera to see how they spy through XXXX XXXX next door when I entered and tied my XXXX  yesterday XXXX XXXX I have bee brought to the closing of account department without asking for this at all I have a problem with people using my XXXX XXXX and releasing information through it making my XXXX year history irrelevant I want my account kept open otherwise I will sue for malicious practices

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 monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Previously I requested that Equifax update and remove negative items off my report. XXXX Print complaint still OPEN and to date they still have not thus rendering me a denial for my request for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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:
Would you mind checking this entry? I did it late and may have erred.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
SUBJECT : Improper Payment Allocation Resulting in Unwarranted Interest Charges ACCOUNT DETAILS : Company : Synchrony Bank Product : XXXX XXXX XXXX User ID : XXXX Account Number : ending XXXX ISSUE SUMMARY : I am disputing {$21.00} in interest charges that resulted from Synchrony Bank 's incorrect allocation of my payment. Despite making payments exceeding my obligations, I was charged interest due to their acknowledged error, which they refuse to correct. 

DETAILED TIMELINE : XX/XX/year> : - Promotional purchase : {$810.00} ( 12 months, 0 % XXXX if paid in full ) XXXX XXXX XXXX XXXX  - Non-promotional purchases : {$390.00} total - These purchases would accrue interest if not paid immediately XX/XX/year> : - I made a payment of {$460.00} - This payment was intended to cover the non-promotional balance to avoid interest charges - Synchrony allocated this payment to the promotional balance instead- I was never asked how to allocate this payment XX/XX/year> : - Payment of {$100.00} XX/XX/year> : - Promotional purchase : {$70.00} ( XXXX equal monthly payments ) XX/XX/year> : - Interest charge : {$10.00} ( disputed ) XX/XX/year> : - Interest charge : {$11.00} ( disputed ) TOTAL PURCHASES : {$1400.00} TOTAL PAYMENTS : {$940.00} DISPUTED INTEREST : {$21.00} COMPANY RESPONSE : When I contacted Synchrony customer service, the representative acknowledged that my {$460.00} payment was allocated to the promotional balance " by mistake. '' However, they refused to correct this error, stating they can not reallocate payments after 60 days. 
Call record on XXXX XXXX at XXXX from mobile number ending XXXX WHY THIS IS UNFAIR : XXXX. I made the {$460.00} payment specifically to pay off non-promotional purchases and avoid interest XXXX. I was never consulted about how to allocate my payment XXXX. The company admitted their error but refuses to fix it XXXX. Their arbitrary XXXX policy protects their mistakes at customer expense XXXX. I have been making payments exceeding minimum requirements every month XXXX. The promotional terms I signed up for are not being honored

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 monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Avant Holding Company, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXXXXXXXX/XX/XXXXXXXX XXXX Date : XX/XX/year> Avant , LLC / XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXXXXXXXX/XX/XXXX : AccountXX/XX/XXXX : [ Insert Account Number ] Dispute of Unauthorized / Time-Barred Debt Under New York Law To Whom It May Concern, I am formally disputing the above-referenced account that Avant LLC / XX/XX/XXXX is reporting on my credit file. I want to make it clear that I never applied for, received, or used any credit card or account from Avant or XXXX. I never signed a credit agreement, never received a card in the mail, and never authorized this account in any way. 

Your reporting states that this debt is my individual responsibility, which is false and misleading. I spoke with a representative previously and informed them that I have no knowledge of this account and did not open it, yet this account continues to appear in collections on my credit report. This account has now been reported for over XXXX ( XXXX ) years, causing ongoing harm to my credit. 

Additionally, according to New York law, this account is beyond the XXXXyear statute of limitations for consumer credit transactions under the New York Consumer Credit Fairness Act ( XXXX XXXX ), which limits legal action on consumer credit debt to XXXX years and prohibits revival of expired debt. 

Your continued reporting and failure to remove or validate this account may violate : Fair Credit Reporting Act ( FCRA ) for reporting inaccurate information Fair Debt Collection Practices Act ( FDCPA ) for attempting to collect a debt without proper validation New York Consumer Credit Fairness Act for attempting to pursue a time-barred consumer credit debt Because this account is not mine and time-barred, I demand the following : Immediate removal of this account from all credit bureaus. 

Written confirmation that AvantXXXX will cease any collection activity. 

A complete copy of any signed application, agreement, or contract bearing my signature if you believe this debt is valid. If you can not provide this, you must delete the account. 

All communication must be in writing only. Do not contact me by phone. 

If you do not correct this matter within XX/XX/XXXXdays, I will file complaints with the CFPB, FTC,XX/XX/XXXX Attorney General, and the credit bureaus, and pursue all rights available to me under law. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: Kinum, Inc., Indianapolis, IN Branch
State: NC

Complaint narrative:
I have disputed this account multiple times with both the furnisher ( Kinum Inc. ) and the credit bureau ( XXXX  ), and the account continues to be verified without any supporting documentation.

This account is inaccurate. The item associated with this debt was taken back to the store and physically returned to a store associate during the XXXX shutdown period in 2020, at the end of the school year. The original creditor confirmed at that time that the item was returned. 

Approximately a year later, this account appeared on my credit report as a collection, even though no balance was owed because the item had been returned. I immediately disputed it and requested proper validation, including : Proof of the debt, Proof the item was not returned, The original signed contract, Itemized statements, And any documentation the furnisher relied on to report this account.

To date, none of this information has ever been provided. Instead, the furnisher continues to verify the account without supplying any legally required proof under the Fair Debt Collection Practices Act ( FDCPA ) or the Fair Credit Reporting Act ( FCRA ). 

The furnisher and Experian have failed to correct or remove the inaccurate reporting, despite multiple disputes and requests for validation. Their investigation did not resolve the error. 

I am requesting CFPB assistance to require the furnisher to provide full documentation supporting their reporting or delete the account entirely from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: U.S. BANCORP
State: IN

Complaint narrative:
Issue Summary : I am filing a complaint regarding my U.S. Bank XXXX XXXX. For several days I have been unable to access or use my funds, even though the transactions were fully processed and not pending. My card continually declined purchases and ATM withdrawals before any too many attempts security flag occurred. This shows the issue was not caused by the temporary security lock. 

Details of the Problem : My card was declining transactions before the system triggered the too many attempts lock. 

When I tried to resolve the issue through the automated phone system, it repeatedly claimed my security information was incorrect, even though I was entering the correct information. 

The system would not allow me to verify my identity or reset anything, leaving me unable to access my own funds. 

When I contacted customer service, the supervisor refused to listen to my explanation and only repeated that I " had to wait XXXX hours, '' even though the problem existed before the security lockout. 

The supervisor did not troubleshoot, acknowledge the earlier issues, or provide any alternative solutions. 

As a result, I have been unable to use money that I legally earned and need for daily expenses. 

Impact : Being unable to access my funds has caused me financial hardship and stress. The refusal by the supervisor to review the situation or provide real assistance left me with no way to resolve the issue.

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 2025-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
In XX/XX/year>, I enrolled in XXXX Every XXXX Weeks mortgage payment option. Chases app stated I would pay half my monthly amount every XXXX weeks and that this option helps pay the loan down faster. Since XX/XX/year>, Chase has drafted funds from my checking account every XXXX days ( XXXX drafts/year ). However, Chase only applied XXXX full payments per year to my loan, exactly like a standard monthly schedule. No extra ( XXXX ) payment was ever applied, and no accelerated amortization occurred. 

I asked Chase to explain why my loan was not treated as a true bi-weekly payoff plan as advertised, and why the promised faster payoff benefit was never provided. I also asked them to review my account and correct my amortization. Chase has not given a satisfactory explanation or resolution. This misrepresentation caused financial harm because I paid bi-weekly without receiving the payoff acceleration Chase described.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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:
Could you audit this entry? Its late and possibly inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: CA

Complaint narrative:
I have tried to send letter to you guys before but i have never seen my disputes get processed so i am attaching the letters here. I want you to investigate everything that is incomplete or inaccurate and if you cant verify the completeness and or accuracy then you need to delete from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: CA

Complaint narrative:
I have tried to send letter to you guys before but i have never seen my disputes get processed so i am attaching the letters here. I want you to investigate everything that is incomplete or inaccurate and if you cant verify the completeness and or accuracy then you need to delete from my credit 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