vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this follow-up complaint to request expedited action regarding my previously filed disputes with the Consumer Financial Protection Bureau . Despite prior investigations, multiple inaccurate, incomplete, and unverifiable items remain across my Experian, Equifax, and TransUnion reports, continuing to violate the Fair Credit Reporting Act ( FCRA ) and damage my credit standing.In my earlier complaint, I identified persistent errors, including outdated personal information and misreported charge-off accounts. My only valid address is XXXX XXXX XXXX, XXXX, CA XXXX, yet XXXX XXXX XXXX, XXXX, CA XXXX still appears on both Experian and TransUnion reports . This violates FCRA 609 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ), and 607 ( b ), which mandate deletion of unverifiable or outdated identifiers within 30 days of dispute and require reasonable procedures for maximum accuracy.

Additionally, several charge-off accounts remain inaccurately reported with XXXX  balances or unverifiable statuses, including XXXX, XXXX, XXXX XXXX, and XXXXXXXX XXXX XXXXXXXX . The XXXX XXXX XXXXXXXX account, reported as a Profit and Loss Write-Off or Charge-Off for {$4500.00}, lacks any IRS Form 1099-C or proof of cancellation. Continued reporting of these items without verification constitutes noncompliance with FCRA 607 ( b ) and 611 ( 15 U.S.C. 1681i ).

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 2025-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
The application used to make payments did not process my submitted payment before the cutoff time and date on XX/XX/XXXX XXXX. I resubmitted another payment after because the first payment wasnt process by the app. This generated a late fee and interest charges. The late fee was waived and the interest charges were not. This cause the next billing cycle to accrue interest even though I continued to make full statement payments. On XX/XX/XXXX the app again failed to process the monthly payment generating another late fee and more interest. XXXX customer service hung up on me multiple times when I pointed this out and requested the fees be waived due to app issues processing payments. They continued ignoring my calls and chat messages and I closed the account. I called again today XX/XX/year> and spoke to XXXX an account manager and she refused to help or even consider the app had issues. She claims they are not responsible for a XXXX app as the are credit card of Synchrony bank. I just want the interest fees and late fees waived. They have also been charging me payment security fees I never signed up for. The representatives are not helping me. XXXX has now stated they are not the issuing bank and Synchrony Bank is the issuer therefore any issues with the credit card including late fees and interest charges should be addressed to them. Synchrony Bank is saying XXXX is the responsible party and no one is answering my calls anymore.

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 2025-10-24 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: NC

Complaint narrative:
American Express abruptly closed my credit card account and forfeited all my accumulated reward points without any prior warning or opportunity to redeem them.

At the time of closure, I had approximately XXXX points, including XXXX points from before and XXXX points from my latest closed statement 's {$26000.00} spending, with a total value of {$1300.00} USD.

I contacted American Express customer service, but they refused to reinstate my points or provide a reasonable explanation for their forfeiture. These points were earned through legitimate purchases, and I was never informed that they would be lost upon account closure.

I am requesting the CFPBs assistance in having American Express restore my points or reimburse their equivalent cash value, as this practice appears unfair and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: GA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-10-24 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: GA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-10-24 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: LA

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Employer - XXXX XXXX Incorrect Previous Address : 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 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 Listed below are the Inquiries that are being challenged 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 2025-10-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I submitted a formal dispute letter to Experian on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Experian has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Experian has therefore failed to conduct a reasonable reinvestigation as required by law. 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 explanation
Consumer complaint received 2025-10-24 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: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
Sunrise Credit Services is inaccurately reporting a collection charge-off. I have never received verifiable proof of this debt, and the information being furnished appears to violate FCRA 623 ( a ) ( 1 ) ( A ).

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 2025-10-24 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: DISCOVER BANK
State: DE

Complaint narrative:
This is a follow-up complaint to CFPB Complaint ID : XXXX, which was submitted in Round 2 regarding inaccurate reporting by Discover Bank. That complaint challenged Discovers continued reporting of a charged-off account that I believe to be inaccurate and unverifiable under the Fair Credit Reporting Act ( FCRA ).

In response to that Round 2 complaint, Discover Bank failed to provide any supporting documentation verifying the accuracy of the tradeline. Instead, they responded with vague references to policies, but provided no contract, no billing statements, no signed applications, no lawful verification of the debt as required under 611 of the FCRA.

Additionally, I have now uncovered public court records showing Discover Bank voluntarily dismissed their own legal case against me in Delaware ( Case # : XXXX ), which raises further questions about the legitimacy and enforceability of the alleged debt they are continuing to report.

Despite this, Discover continues furnishing negative payment history to all three credit bureaus, in violation of 607 ( b ) of the FCRA, which requires furnishers to ensure maximum possible accuracy. Monthly negative reporting without full reinvestigation or proof of accuracy is not compliant.

I have exhausted all internal dispute channels with the credit bureaus and Discover Bank. As a result, I am requesting that the CFPB now take enforcement oversight over this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: FL

Complaint narrative:
NCTUE has accounts under my name & SSN that they refuse to actually remove despite me submitting multiple disputes through their website. The accounts are clearly fraudulent as they do not even contain the correct date of birth. The failure of this company to actually review any consumer information and also decline to fix their own mistakes is absolutely appalling. This company needs a federal investigation immediately as they are completely incompetent to not only manage their own data but have also harmed me financially and emotionally from their recurrent negligence. Please have them review the following confirmation numbers : - XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX The month and day of the date of birth is incorrect and they refuse to take any action about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: NV

Complaint narrative:
I successfully disputed and had TransUnion permanently delete a tradeline from XXXX XXXX XXXX  after it was inaccurately reporting 60-day late payments on an account that was closed, paid in full, and had a {$0.00} balance. TransUnion confirmed the deletion in writing, and my credit score improved. 

Shortly after, the same inaccurate tradeline reappeared on my TransUnion credit report without any prior notice, furnisher certification from XXXX XXXX XXXX, or Method of Verification as required under FCRA 1681i ( a ) ( 7 ). No five-day written notice was provided before reinsertion, violating FCRA 1681i ( a ) ( 5 ) ( B ) ( ii ) and 12 C.F.R. 1022.43 ( e ). TransUnion has never provided documentation proving the alleged delinquency. 

This reporting is false and misleading. Per the Metro 2 Reporting Format ( CDIA XXXX  Edition ), a closed, paid account must be reported with status code 13 or DA Paid/Closed; Current. Reporting continuing late payments after closure creates the false appearance of an active default, violating FCRA 1681e ( b ), 1681i ( a ), and 1681s-2 ( b ) accuracy and reinvestigation requirements. 

Actions I took : - Submitted a written dispute via certified mail to TransUnion, including proof of account closure, full payment, and prior deletion confirmation. 
- TransUnion failed to respond within the 30-day FCRA investigation period and continues to report the inaccurate data. 

Harm caused : - Credit score dropped over XXXX points. 
- Denied new credit ( e.g., auto loan ) due to the reported delinquency. 
- Forced to pay higher interest rates on existing accounts, resulting in measurable financial loss. 

This is part of a pattern of abuse by TransUnion. Thousands of consumers have filed CFPB complaints and lawsuits over identical issues : deleted tradelines reappearing without notice, verification, or proper investigation. Notable cases include : - XXXX v. TransUnion ( U.S. Supreme Court ) : {$60.00} XXXX awarded for reckless re-reporting of unverified data causing credit denials. 
- XXXX XXXX XXXX XXXX : {$23.00} XXXX settlement for failing to ensure accuracy and reinserting unverified information. 
- XXXX v. TransUnion : {$23.00} XXXX class settlement for inadequate investigations and re-reporting disputed items. 
- XXXX v. TransUnion : {$2.00} XXXX settlement for ignoring deletion instructions and re-reporting closed accounts. 

These cases confirm TransUnions systemic failure to follow FCRA reinvestigation and accuracy rules, often using soft deletes that allow data to resurface without compliance.

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 2025-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I am a small-business borrower with a Bank of America XXXX BOA ) Practice Solutions Loan originally for {$730000.00} ( issued XX/XX/XXXX ) to finance my dental practice, XXXX XXXX XXXX XXXX XXXX TX XXXX The current balance is about {$340000.00}. All auto-debited payments remain current as of XX/XX/XXXX. 

In XX/XX/XXXX my office suffered water damage, creating an insurance-renewal risk. With reduced patient flow and personal factors, I decided to relocate to Oregon. On XX/XX/XXXX I requested BOAs written permission to move the insured collateral ( dental equipment ). BOA failed to respond for nearly XXXX months, leaving me unable to plan or secure replacement coverage. 

When BOA finally replied in XX/XX/XXXX, I answered all business-related questions and provided the requested documents, but I declined to submit personal financial statements that were unrelated to my relocation request and not required under the loan agreement. Soon after, BOA declared a technical default and insisted I accept a one-year balloon program. Representatives repeatedly pressed for phone callssometimes as early as XXXXXXXX XXXX XXXXXXXX XXXX my written requests for email communication only due to my federal work schedule. This created a pattern of coercive and intimidating communication. 

In XX/XX/XXXX, facing an imminent landlord XXXX XXXX  under my lease, I moved the equipment to secure XXXX XXXX and insured it under an XXXX XXXX policy listing BOA as loss payee. On XX/XX/XXXX, BOAs outside counsel sent a demand letter requiring full repayment of {$340000.00} by XX/XX/XXXX ( only seven days ) even though all payments were current. The letter included false and defamatory claims that my license was on probation or suspension, which is untrue I voluntarily chose not to renew my Texas license after obtaining an active Oregon license. 

On XX/XX/XXXX I sent a written response with supporting documents ( Oregon license, insurance certificate, lease excerpt, and emails showing BOAs delays ) and requested written confirmation of loan standing. Email tracking confirms receipt by BOA and its counsel, but they have not replied by my XX/XX/XXXX deadline. Despite their accusations, BOA continues to receive automatic payments while refusing to acknowledge my good-faith compliance. This creates ongoing financial harm because I am paying for equipment I can not use due to their unresolved default claim and relocation restrictions. 

BOAs conductincluding false default allegations, coercive balloon pressure, harassing phone demands, and a one-week repayment threatconstitutes unfair, deceptive, and abusive collection behavior under the XXXX XXXX and XXXX servicing standards.

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 2025-10-24 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: FL

Complaint narrative:
I am extremely frustrated to see that unauthorized inquiries are still appearing on my credit report this morning, and I do not understand why. They did not disappear even after refreshing my browser, so I urgently need the documents I submitted to be reviewed carefully to put this issue to rest for good.

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 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: OH

Complaint narrative:
On my XX/XX/year> I deposited my tax refund check of XXXX into an account with PNC Bank. The deposit was held to be released on XX/XX/year>. On XX/XX/year>, I walked in to a branch and wanted to make a wire transfer of XXXX which the banker said would take about 1 hour for it to process. When I got home I received a call from a bank representative questioning where the refund check came from and I had explained it was a refund from my filed return. The representative went on to say the bank would be investigating the funds and reach out to the Treasury. I see no reason why the bank should hold my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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.

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 explanation