vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 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: NJ

Complaint narrative:
My credit report contains fraudulent items from which I received no benefit. I have already reported this to the Federal Trade Commission, yet these accounts remain on my report. Immediate action is needed to correct 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 2025-04-22 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: MS

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-22 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: VA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX  Balance {$580.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$13000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Balance {$300.00} Open Date XXXX XXXX, XXXX Inquiries XXXX Date XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-04-22 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: WI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-22 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: NJ

Complaint narrative:
My credit report contains fraudulent items from which I received no benefit. I have already reported this to the Federal Trade Commission, yet these accounts remain on my report. Immediate action is needed to correct this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
I am currently working with Beyond Finance to pay off this loan total {$79000.00}, XXXX sold off my loan to a 3rd party creditor that is harrassing my family and pretending to be a law official. Phone # they are leaving on my voice mail without any true identification or company name is : XXXX Case # XXXX. They are saying they are going to visit all of our homes and that we will need state IDs to present to whomever is showing up at our door.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: GA

Complaint narrative:
The debt company Zions Debt Holding sent me a text back in XXXX stating that they bought my debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. And that they had placed it on my credit report. I let them know that I did not owe any money to XXXX or Zion debt holding and can they sent me the paper showing that I owe them. I never received any proof from that I owe them money. Zion debt holding has place collections on my XXXX XXXXXXXX XXXX XXXX credit report and is effecting my credit score. And they will not send me any paperwork to show that I do. I filed a complaint with XXXX XXXX several times and it came back verified how, with what paperwork. I have asked for the debt validated in XXXX XXXX XXXX XXXX Zion Debt Holding states that They will email it to me but never do. Zion Debt Holding asked to for XXXX XXXX to take it off my credit report why do I have to pay when I do not owe them.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SLM CORPORATION
State: CA

Complaint narrative:
I mistakenly deposited money through XXXX but I asked them to send it back to XXXX, no one said anything about money being sent back to XXXX. a few days later XXXX closed my account but I never seen the money returned back to XXXX so I am after them. However, every time I call them about it they always say I have to check with XXXX. I know for a fact that it wasn't returned to the source because I could see the activities in the XXXX account. I do not have the exact amount anymore since I gave up on it. I remember it is {$400.00} something because that was money taken from the XXXX XXXX XXXX when I closed the life insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Continuation from the previous complaint ; XXXX XXXX from Sychrony Bank Financial contacted me via phone on or around XX/XX/XXXX. When I contacted CFPB about the remaining balance, then I receive feedback from a Synchrony Bank Representatives. However, I requested a print-out for the remaining balance {$990.00} USD, after Synchrony deducted the {$1500.00} USD from prior balance {$1900.00} USD. I needed to see exactly what products I had purchased, amounts of purchases, and the companies from whom I purchased the products, as well as dates. The reason I requested this information because, I have found some questionable charges on my accountant, so I requested copies of invoices for the year 's XXXX and XXXX, for start. XXXX XXXX assured me she was going to expedite this information to me which I'm still waiting for them copies. However, I did receive a copy of the breakdown for the $ XXXX {$1000.00} USD with interest and late fee charges within a day or XXXX later. I found this comical that Synchrony Bank would charge me a late fee and interest for charges that they manipulated on my account! I stated that, '' I WILL NOT PAY ON THIS ACCOUNT UNTIL I SPOKE WITH SOMEONE AND WE CAME TO TERMS. '' I also explained to XXXX XXXX that I wasn't pleased with the Synchrony Bank fudging my account, and I'm sure that if I needed to put this on XXXX or and XXXX how many people would start checking their statements. That I was willing to handle this amicably. I called XXXX XXXX a couple days later to speak with her about the errors on my account and she still has yet to respond.

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 2025-04-22 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I reviewed my credit report and I do not recognize the bankruptcy and hard inquiries on my credit report. Please remove the bankruptcy and the hard inquiries from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I reviewed my credit report and I do not recognize the bankruptcy and hard inquiries on my credit report. Please remove the bankruptcy and the hard inquiries from my credit report 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 2025-04-22 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-22 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: Harris & Harris, Ltd.
State: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: WA

Complaint narrative:
On XX/XX/year> I submitted XXXX disputes ( totaling {$1200.00} ) with Discover regarding XXXX XXXX, expecting them to assist me in obtaining refunds on these transactions due to services not rendered, service promises undelivered, providing false medication, and some deliveries never delivered. Discover decided to rule in the favor of XXXX XXXX, even with my extensive slew of documentation of the events that have unraveled. 

Discover preaches about buyer protection, putting the customer first, and ensuring our safety when making purchases with our Discover card - but to date, I have never, not once, seen any of that protection. 

Their policies via https : //www.discover.com/credit-cards/card-smarts/how-to-dispute-a-credit-card-charge/ state that you can dispute transactions for various reasons, including : " Qualifying service issues You can make a transaction dispute when a retailer refuses to correct a service issue. Service issues include : You paid for something that a merchant didnt deliver Theres a quality issue with a purchase What you paid for wasnt delivered as agreed While youll need to make a good-faith effort to solve the problem with the merchant first, you can also dispute a credit card transaction when there are these types of service issues. '' All of my transactions fall under this category. I also have the right to raise my disputes for appeal, but customer service refuses to assist me in doing so. Hence, my complaint with the CFPB. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: TX

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Balance {$3900.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$5800.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance {$22000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$2400.00} Open Date XXXX XXXX, XXXX XXXX XXXX XXXX Balance {$2400.00} Open Date XXXX XXXX, XXXX XXXX XXXX XXXX Balance {$700.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$570.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX XXXX Date XX/XX/XXXX XXXXXXXX XXXX  Date XX/XX/XXXX XXXXXXXX XXXX Date XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I am submitting this complaint regarding Bank of Americas failure to resolve a dispute I filed concerning a charge of {$3200.00} related to a bad service on my XXXX XXXX, which is essential to my construction business. 

I initially reported the issue and submitted all required documentation to BOA back in XX/XX/XXXX, expecting a resolution in XX/XX/XXXX as I was informed that it will be escalated. As of today, XX/XX/XXXX, I have not received any follow-up, update, or refund, despite multiple attempts to inquire about the status of my case. 

This delay has severely impacted my business operations, as I am now without my work vehicle and out of pocket {$3200.00}. I feel BOA has failed to uphold its responsibility to protect its customers from unauthorized or bad transactions and has shown a complete lack of communication or urgency in resolving this matter.

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 2025-04-22 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$96.00} - XXXX XXXX XXXX {$3600.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$610.00} - XXXX XXXX XXXXXXXX XXXX - - XXXX XXXX XXXXXXXX XXXX - - XXXX XXXX XXXX XXXX - - 15 U.S.C, 1681section 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 an 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 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 non-monetary relief
Consumer complaint received 2025-04-22 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: NY

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-22 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: NY

Complaint narrative:
Contents of Complaint : This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 the following items : Fraudulent credit card account opened at XXXX on XX/XX/XXXX and hard 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  These items have resulted in other several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I've attached an affidavit of truth, proof of identity, proof of address and a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I have also attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-22 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: NY

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief