vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 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: IL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-05-07 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: IL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
Tryed to Access account with updated state identification card because I have not memorized it plus th account has been there XXXX years

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 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
There are multiple dates. I bank with Citizens. There is no local bank where I live. So anytime I need to take out cash, the atm charges me {$3.00} and Citizens charges me {$3.00}. I have explained to them multiple times there is no local bank here. Not to mention, when I have had a deposit wired to the account they charge me $ XXXX {$30.00}. 

They wont let me see any fees past XX/XX/XXXX, but in that time frame there were XXXX fees for {$3.00} each, thats over {$50.00} they are taking from me in just a three month span. Can u imagine since XX/XX/XXXX when i opened the acct online? Had i known they charged this much I would have never opened an account with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-07 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:
This morning, I discovered some incorrect accounts listed on my credit report, and I have no idea how they got there. I reviewed my report as I normally do, but this time I found some unexpected errors. I even refreshed my browser to make sure it wasnt just a temporary glitch, but the inaccurate accounts remained. Given this situation, Im requesting that the documents Ive submitted be carefully reviewed so I can stop worrying about this issue in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: NY

Complaint narrative:
This late payment record is inaccurate and does not represent my consistent payment behavior. I have maintained timely payments, and I request its removal to ensure my account reflects accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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:
This mark for a late payment is inaccurate and does not correspond to my actual payment history. I've been careful to pay on time, and I'd need an update to make sure my records are accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Ive had XXXX Synchrony-backed credit cards ( XXXX XXXX and XXXX ) for several years with perfect payment historynever missed a payment, never been late. 
Around a year ago, after I paid down my balances significantly, Synchrony suddenly slashed my credit limits in half, citing vague creditworthiness issues from XXXX. When I called to ask for clarification, I was given no specific explanationjust generic statements about my credit profile, despite there being no delinquencies or missed payments. 

Now, after completely paying off both accounts, I received a letter dated XX/XX/year>, stating that Synchrony has decided to close the account entirely, again citing vague reasons like lack of real estate loan, too many bankcards, and high balances compared to credit limitsnone of which were accurate at the time the accounts were closed. 

As a result, my credit score has dropped significantly, primarily due to the reduced available credit and account closurenot due to any payment issues or delinquency on my part. I feel Ive been penalized for using the cards responsibly.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
When I checked my credit report today, I was surprised to see some inaccurate accounts listed, and I dont know where they came from. I thought it might be a simple glitch, so I refreshed my browser, but the accounts were still there. Because of this, Im asking that the documents I submitted be carefully reviewed to prevent further concerns.

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 2025-05-07 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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:
Since I was unaware of them, these questions seem to be unapproved and could be a sign of fraud. Please act quickly to resolve this problem. For reference, supporting documentation is included.

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 2025-05-07 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: OH

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: NY

Complaint narrative:
These accounts were not opened by me and appear to be fraudulent. I urge you to conduct a detailed review and remove them from my credit report. Relevant supporting documents are attached.

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 2025-05-07 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
From XX/XX/XXXX until XX/XX/XXXX, I was using XXXX for my website hosting. I attempted to disconnect the premium service to XXXX and switched it to XXXX. However, XXXX went ahead and charged my XXXX account, claiming that auto pay was active. Well, it's not easy to find auto pay on their site or on XXXX site to find the special page that will let you know that, magically, auto pay was still on. They intentionally bury it and pretend that it's easy to disable, however I never actually enabled it. They also sent me an email switching me to a plan without my agreeing to it. When I filled a request, they've done nothing to move the refund forward, claiming they need 12 business days. XXXX has refused to issue a refund even though I sent them evidence that the subscription was cancelled and there's no evidence that I ever initiated auto pay. I want my money XXXX plus dollars back

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 2025-05-07 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: NC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-05-07 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: NC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My account with XXXX AND XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 reported in to be removed. 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. XXXX AND XXXX XXXX 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! Delete 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 2025-05-07 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: Experian Information Solutions Inc.
State: RI

Complaint narrative:
Subject : Dispute of Inaccurate Information Under FCRA 1st Round To Whom It May Concern, I am writing to formally dispute inaccurate and unverifiable items on my Experian credit report. I am requesting that these items be investigated under Section 611 of the Fair Credit Reporting Act ( FCRA ) and removed if they can not be verified with complete and accurate documentation.

Below are the accounts in question : ________________________________________ Accounts to Investigate and Remove : 1. XXXX XXXXXXXX XXXX XXXX  # XXXX o Date Opened : XX/XX/XXXX o Original Balance : {$10000.00} o Issue : Late Payments I am requesting a thorough investigation of this account, specifically the reported late payments. If they can not be verified with full and accurate records, they must be corrected or removed from my report. 
2. XXXX XXXX XXXX XXXX # XXXXXXXX XXXX Date Opened : XX/XX/XXXX o Balance : {$8100.00} o Issue : Charge Off This account is reported as a charge-off. I do not have enough information to validate this and request a full investigation. If verifiable documentation is not available, please delete this item. 
3. XXXX XXXX # XXXX ( Collection ) o Date Opened : XX/XX/XXXX o Balance : {$520.00} o Issue : Collection Account I do not recall entering into any agreement with XXXX XXXX. Please provide full validation, including original agreement and payment history. If the debt can not be verified, it must be deleted under FCRA guidelines. 
________________________________________ Please complete your investigation within 30 days, as required by the FCRA, and send me an updated copy of my credit report reflecting any changes made. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: FL

Complaint narrative:
I do have a cash app debit card, on XX/XX/XXXX I went to XXXX and someone stole my card after I checked my credit on the ATM, I XXXX XXXX not realized immediately that my car was stolen, few hours later I noticed that my card had been used at the atm to withdraw funds, I contacted cash app, blocked my card. 

I opened a claim for the XXXX transactions made, XXXX for {$300.00} and XXXX for {$100.00}. Cash app declined my claim even if I informed them my car was stolen, people that stole it probably saw my PIN code when I checked my account at the atm. 

For all operation that I contest, the bank has to cover me and its not the case, my debit card had been stollen as I informed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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 discovered this morning that my credit report contains errors I wasnt expecting, and I dont understand why theyre there. I double-checked by refreshing the browser, thinking it might just be a glitch, but the mistakes remained. Therefore, Im requesting a careful review of the documents I submitted, so I wont have to worry about this happening again.

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 2025-05-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am beyond frustrated after seeing an unauthorized inquiry appear out of nowhere on my credit report today. I refresh my browser hoping it was a system error, but nothing changedits still there. I demand that this issue be investigated right away and that my documents are carefully reviewed so I never have to deal with this again.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
The XXXX XXXX XXXX account from XXXX XXXX  was closed, paid in full and has a XXXX balance. The payment was never late. See attached the letter from XXXX XXXX. Please correct the status, the balance and block this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: DC

Complaint narrative:
The XXXX XXXX XXXX account from XXXX XXXX  was closed, paid in full and has a XXXX balance. The payment was never late. See attached the letter from XXXX XXXX. Please correct the status, the balance and block this account 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 explanation