vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I was coerced into getting the card in the first place for discount on product. XXXX 's fraudulent business practices have harmed my credit. 

Once I received my card I never received any billing statements, either in the mail or via email. Customer service told me I signed up for email statements which is impossible as I do not pay the bills, my husband does, but also, when I asked what email address they have been sending my statements the email address was incorrect. When I tried to pay in the store, the store will not accept payments. When I ask them about my card they say I have a {$750.00} credit line and everything is fine. But everything is not fine! 

I am unable to access my account information through their website. The only way I've been able to pay is over the phone or online with assistance. 

I have now learned that XXXX has reported me to the credit bureaus multiple times for late payments when I never received billing statements! I reported XXXX 's unfair and deceptive practices to a Fraud Supervisor " XXXX '' at XXXX XXXXXXXX XXXX XXXX. It was XXXX who told me about the hidden monthly charges that XXXX imposes even if I haven't used my card and have no balance due! Those hidden fees that consumers don't know about can trigger negative reports to the credit agencies especially if you don't get statements and don't know you're being billed even if you're not buying product. 

I am reporting XXXX 's unwarranted hidden charges, deceptive practices and the negative reporting to credit agencies when they didn't even send me billing statements so I could set up an auto pay ( how we pay all our bills ). I have never received any notice alerting me that my account is due or past due. I pay my bills on time. The negative XXXX reporting is the only negative information on my credit report. 

I ask that all the negative XXXX reporting to the agencies must be removed from my account. There is no balance owing on my account.

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 2025-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this 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 2025-03-04 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 dispute several fraudulent inquiries on my credit report across all major credit bureaus Experian, TransUnion, and Equifax. I have already filed a complaint with the FTC regarding this matter. I demand the immediate removal of the following unauthorized inquiries : 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 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 Banks ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD ( Bank Credit Cards ) XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XXXX XX/XX/XXXX XXXX XXXX ( Bank Credit Cards ) XX/XX/XXXX These inquiries were made without my consent , and I am requesting their immediate removal from my credit report. Please investigate this matter promptly and provide written confirmation once these fraudulent inquiries have been deleted. 

Attached is a copy of my FTC complaint for your reference. 

Thank you for your swift attention to this 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 non-monetary relief
Consumer complaint received 2025-03-04 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: CA

Complaint narrative:
I am writing to formally dispute several fraudulent inquiries on my credit report across all major credit bureaus Experian, TransUnion, and Equifax. I have already filed a complaint with the FTC regarding this matter. I demand the immediate removal of the following unauthorized inquiries : 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 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 Banks ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD ( Bank Credit Cards ) XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XXXX XX/XX/XXXX XXXX XXXX ( Bank Credit Cards ) XX/XX/XXXX These inquiries were made without my consent , and I am requesting their immediate removal from my credit report. Please investigate this matter promptly and provide written confirmation once these fraudulent inquiries have been deleted. 

Attached is a copy of my FTC complaint for your reference. 

Thank you for your swift attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: KY

Complaint narrative:
I recently checked my credit report and was shocked to find accounts that I do not recognize. I have never opened or authorized these accounts, yet they are being reported under my name. This is completely inaccurate and misleading, and I need immediate clarification on how this happened. These false accounts are creating an unfair representation of my financial history, and I will not allow this misinformation to remain on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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: Sunlight Financial LLC
State: FL

Complaint narrative:
I have filled a report to clarify the incorrect information that has been sent by the credit bureau through my email. I am writing to formally dispute an error on my credit card statement. I have requested a further investigation regarding this matter but the problem became disregarded by the company. I appreciate your prompt attention regarding this matter.Iin addition, I would like a confirmation receipt to keep me notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : 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

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 2025-03-04 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: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA XXXX ( 15 U.S.C. XXXX ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-03-04 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: NC

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX  **** Balance Owed : {$1900.00} CB/VICSCRT XXXX Balance Owed : {$0.00} XXXX/DOFED XXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed : {$490.00} XXXX XXXXXXXX XXXX Balance Owed : {$810.00} XXXX XXXX XXXX Balance Owed : {$520.00XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$7400.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$740.00} XXXX XXXX XXXX XX/XX/XXXX XXXX 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

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 2025-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I had a XXXX XXXX XXXX XXXX through synchrony bank with a limit of {$500.00}. I made purchases at XXXX 's not exceeding {$280.00} dollars. A few weeks later, my account was closed. My card was deacdeleted. I got no notice. No phone call. No email, nothing in regards to this. My account closed XXXX of XXXX. 
I called today XX/XX/XXXX to come to a settlement of an amount to pay. 
I feel for the wrongful closing of my account for no reason, I should not have to pay interest or late fees. My payment history with this account is 88 percent on time, and I should only pay the amount I used. The card for my account was closed. Why would I still be getting charged interest on it and late fees. 
When I went to make my first payment, I could not access their website to pay it online. So I was just assuming because my account was closed. That I had no access to pay this online either. The phone call I had this evening with a settlement rep at Synchrony named XXXX was the most unprofessional, disgusting customer service phone call I have ever been on in my life. She gave me nothing but an attitude and was harassing me while I was trying to conversate with a family member about what was going on. She chimed in to my conversations more than a couple of times when she was supposed to be finding me a manager to discuss my account with further since she was no help and couldn't answer any of my questions, after twenty minutes of her trying to find management, I hung up the phone.

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 2025-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX IA XXXX Phone Number ( XXXX ) XXXX XXXX  To Whom It May Concern : I am writing to express my frustration with Synchrony Bank regarding their repeated reductions of my credit line, which have severely impacted my credit utilization rate. Currently, my utilization rate is at 97 %, and this has caused a significant drop in my credit score. Most of my credit lines are below 35 %, with a few at 50 %, the highest at 75 %, and many at XXXX balance. This inconsistency is puzzling and unfair. 
When I contacted Synchronys customer service, I was unable to receive a direct and clear explanation for these actions. After requesting to speak with a supervisor, I was informed that the decision was based on information provided by XXXX. However, when I asked customer service to read the reasons to me, the explanation made no sense. I then requested a letter detailing the reasons from Synchrony, which they eventually mailed to me. 
In the meantime, I emailed XXXX XXXX, President & CEO of Synchrony Bank, as well as their dispute department and the Consumer Financial Protection Bureau, regarding this matter. On XX/XX/year>, I received a letter from Synchrony explaining their reasons, which they attributed to XXXX. Upon review, all the information provided in the letter was inaccurate. 
On XX/XX/year>, at approximately XXXXXXXX XXXX, I called XXXX and spoke to a customer service representative named XXXX. The call was recorded. I asked him to confirm the reasons Synchrony had provided, and XXXX verified that the information in the letter was false. When I asked for confirmation again and inquired about going over the reasons further and to confirm the call would be recorded, XXXX placed me on hold, and I was subsequently disconnected. 
I called back at XXXX XXXX and was able to speak with a supervisor at XXXX named XXXX XXXX. She also confirmed that the reasons provided by Synchrony were not from XXXX. This call was also recorded, and she provided me with a file number : XXXX. The number I called was XXXX. 
It is apparent that Synchrony Bank has abused its power by providing false information and attributing it to XXXX as an excuse for their actions. This is not only fraudulent but also deeply unethical, as it has caused significant harm to my creditworthiness. 
I demand that this issue be rectified immediately, as it is unjustly affecting my credit and financial stability. I expect a thorough investigation into this matter and a written response outlining the steps taken to address this situation. 
Sincerely, XXXX XXXX XXXX : I have attached all my correspondence

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 2025-03-04 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.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I received a prepaid XXXX for {$8.00} for the Equifax Data Breach Settlement on XX/XX/scrub>/24. ( XXXX XXXX XXXX ) I can not use this card anywhere. No one will accept it, online or in a store. When I go to the following link to see what the problem is, it says that Ive already redeemed the card. Im getting nowhere. 
This is the link : https : XXXX

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

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX # XXXX  XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX {$0.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX {$16000.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation