vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-31 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
In XX/XX/year>, I reviewed my credit report and was shocked to see late payments reported by Synchrony Bank XXXX XXXX for XXXX and XX/XX/year>. Ive always paid my account on time when I receive my statements. During that time, I was experiencing medical emergencies and my checking account was temporarily restricted due to suspected fraud activity by my bank, which may have delayed the payment. I was not properly notified of these delays, and I promptly resolved the matter as soon as I was made aware of it. Ive had a long and responsible payment history with this creditor and believe the late payments are inaccurate, misleading, and do not reflect my intent or historical behavior.

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 2025-05-31 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:
I do not recognize the negative accounts appearing on my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: Lentegrity Management, LLC
State: CA

Complaint narrative:
Issue : Unauthorized credit inquiry Company : Lentegirity LLC What happened : I noticed a hard inquiry from Lentegirity LLC on my credit report, but I did not authorize or initiate any application for credit, loan, or service with this company.

I called the company directly, and they stated they do not have any account under my name. Despite that, the hard inquiry remains on my credit report.

I also requested documentation proving my authorization for this inquiry, and they failed to provide it.

According to the Fair Credit Reporting Act ( FCRA ), a hard inquiry must have a permissible purpose and consumer consent. In this case, neither were present.

This unauthorized inquiry is negatively affecting my credit score and was placed without my knowledge or approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: GA

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: TN

Complaint narrative:
Reporting Negative information on my Credit report can not be Verified and Not responded bye law inaccurate information on my Credit report asked them remove them immediately

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 2025-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
Navy Federal Credit Union. I tried to mobile deposit a check for $ XXXX. I called ahead and made sure I could mobile deposit this amount and was assured I could do so. The first attempt was kicked back for image clarity, the second attempt claimed it was missing the endorsement for mobile deposit only at NFCU which it was not. I took the check in to a branch to cash it and was told a standard two business day hole would be on the check. The funds were not available when they should have been. XXXX XXXX deposit XXXX XXXX funds available. On XXXX XXXX my card was declined for paying for lunch and the app said to contact NFed. They told me a flag was placed for fraud and I was questioned about the check I cashed. Where it was from and what it was for. I was then told it would be a 5 day hold. Later that night ( XXXX hours ) I tried to use my card again and again it declined. I called back and was told XXXX of my cards were shutoff and one was expired. My card was in my hand during this call and it expires in XXXX. I have XXXX banking cards. A personal one that I keep a small amount in {$700.00} at this time. And a XXXX account with my wife for all of our joint spending. XXXX hour later my issue was still not resolved so I decided going in to a bank was a better option. I checked my account before bed XXXX and everything seemed fine still {$700.00} in my small account and the other account had what should be there. I woke up at XXXX this morning and decided to check again, how much can go wrong in under XXXX hours overnight? My {$700.00} positive balance is now a - $ XXXX balance. Automatic payments are now getting declined because I dont have access to either bank card but my wife can still use hers from the joint account so it seems Im specifically being flagged and now in my opinion targeted. The initial deposit check was from a retirement account. This is not the first large sum check I have cashed or large sum that has been deposited into my account. If I travel to another state thets not typical to my spending IE I live in XXXX  and travel to XXXX  frequently. Nothing happens but if I travel to XXXX  I generally get a text or a phone call verifying that I am in fact spending the money thats being taken from the account. During this entire process I received no notifications from the bank website, the bank app, text message, or email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: GA

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance. 

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

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 2025-05-31 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: MO

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: ID Analytics, Inc.
State: MO

Complaint narrative:
I disputed all reporting by XXXX and requested data suppression under FCRA 602 and 604 ( a ). I

never consented to their use of my personal data and have not authorized any financial institution to share data with them. This company continues to report unauthorized and unverified information. FCRA violations include : 602 My privacy has been violated 604 ( a ) No permissible purpose 605A ( i ) Failure to block upon request 611 ( a ) No proper reinvestigation or deletion

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: NY

Complaint narrative:
Formal Complaint Regarding Inaccurate Late Payments and Account Closure XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB Representative, I am writing to formally file a complaint regarding an issue that has negatively impacted my credit report and financial standing due to actions by XXXX XXXX, the issuer of the XXXXXXXX XXXX XXXX XXXX 
There are two or more late payments reported on my credit file by XXXX  XXXX  that I believe are inaccurate and unfair, given the circumstances I will outline below : The initial late payment occurred while I was out of the country for my fathers funeral, which made it impossible to access connectivity or manage my account online. I immediately contacted the company upon return to explain the situation. 
1. Since then, I have attempted multiple payments, but XXXX XXXX continued charging a previously invalid debit card, despite my updating my payment method at least three times. The payment failures were due to their system repeatedly using the outdated card.

2. I have made numerous phone calls to their customer service regarding this issue. These calls should be available for monitoring and verification, as per their standard procedure.

3. As a result of what I believe is a system error and miscommunication, my account has now been closed, further damaging my credit.

This issue has had a devastating impact on my credit score, and it is affecting my ability to qualify for a home loan. I am actively in the process of trying to buy a house, and this inaccurate reporting may cost me the opportunity to do so at a critical time in my life. 
I want to be clear : I value my credit, I pay my bills responsibly, and I maintain strong relationships with other financial institutions. This situation does not reflect my credit behavior or intent. 
I am also reaching out directly to XXXX  XXXX  via a goodwill letter, requesting that they remove the late payments and allow me to pay off the past-due balance while continuing with the monthly plan. 
I believe this issue stems from a combination of technical mishandling and unfortunate timing rather than negligence on my part. I respectfully request that the CFPB investigate this situation and assist in resolving it fairly. 
Sincerely, XXXX XXXX XXXX Acct # ending 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 non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Formal Complaint Regarding Inaccurate Late Payments and Account Closure XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB Representative, I am writing to formally file a complaint regarding an issue that has negatively impacted my credit report and financial standing due to actions by XXXX XXXX, the issuer of the XXXXXXXX XXXX XXXX XXXX 
There are two or more late payments reported on my credit file by XXXX  XXXX  that I believe are inaccurate and unfair, given the circumstances I will outline below : The initial late payment occurred while I was out of the country for my fathers funeral, which made it impossible to access connectivity or manage my account online. I immediately contacted the company upon return to explain the situation. 
1. Since then, I have attempted multiple payments, but XXXX XXXX continued charging a previously invalid debit card, despite my updating my payment method at least three times. The payment failures were due to their system repeatedly using the outdated card.

2. I have made numerous phone calls to their customer service regarding this issue. These calls should be available for monitoring and verification, as per their standard procedure.

3. As a result of what I believe is a system error and miscommunication, my account has now been closed, further damaging my credit.

This issue has had a devastating impact on my credit score, and it is affecting my ability to qualify for a home loan. I am actively in the process of trying to buy a house, and this inaccurate reporting may cost me the opportunity to do so at a critical time in my life. 
I want to be clear : I value my credit, I pay my bills responsibly, and I maintain strong relationships with other financial institutions. This situation does not reflect my credit behavior or intent. 
I am also reaching out directly to XXXX  XXXX  via a goodwill letter, requesting that they remove the late payments and allow me to pay off the past-due balance while continuing with the monthly plan. 
I believe this issue stems from a combination of technical mishandling and unfortunate timing rather than negligence on my part. I respectfully request that the CFPB investigate this situation and assist in resolving it fairly. 
Sincerely, XXXX XXXX XXXX Acct # ending XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
On XX/XX/XXXX I attempted to purchase multiple items from XXXX with my Chase credit card ending in XXXX. It is linked to my XXXX account. I have successfully used it multiple times in the past few months for XXXX purchases. 

You can imagine my surprise when I woke up this morning and found my purchase declined because- as Chase informed me- the card has been 'frozen ' ( by me, so they say ) since XXXX. 

Hm. That seems awfully odd, that I have used this card without problem until last night. So, as they say in the common vernacular - what the XXXX?!?! Why have I been able to use this card that was supposedly 'frozen ' until yesterday?!?! 

Also- Chase, you're making it impossible for people to contact you and speak to an actual representative. I know it saves you money, but it's a bad business practice. Also, please- for the love of XXXX- hire Americans for your phone support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: AMERICAN EXPRESS COMPANY
State: NM

Complaint narrative:
On XX/XX/year>, I received a {$500.00} American Express gift card from XXXX XXXX XXXX as compensation. The card was rewarded on XXXX Since then, I have attempted to use the card at multiple online retailers, but every transaction has been declined. I verified that the card was properly activated and had the full balance available. 

I reached out to the American Express gift card support line, but I was not given any solution. I also confirmed that the billing address matched, and there were no restrictions placed on the card that would prevent online use. 

This card has essentially been unusable, and I have not been able to make a single purchase. I am requesting that the issue be resolved, or that I be issued a check refund in the amount of {$500.00} as I have not been able to access the funds in any way.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-31 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: MI

Complaint narrative:
Equifax has been shedding points from my score with no explanation. I logged into my customer portal to see my credit score go from XXXX to XXXX. There literally no changes, no new inquiries or anything. Transunion also did the same with no explanation. These companies also dont abide by laws and remove information that resulted from Identity theft. I am now preparing for a lawsuit.

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 2025-05-31 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: MI

Complaint narrative:
Equifax has been shedding points from my score with no explanation. I logged into my customer portal to see my credit score go from XXXX to XXXX. There literally no changes, no new inquiries or anything. Transunion also did the same with no explanation. These companies also dont abide by laws and remove information that resulted from Identity theft. I am now preparing for a lawsuit.

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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am a victim of identity theft, supported by FTC Identity Theft Report # XXXX  Despite providing Experian with all required documents under the FCRA 605B, they continue to report multiple fraudulent accounts, unauthorized credit inquiries, and a false address. These items do not belong to me, were not opened or authorized by me. I am suffering emotional distress and delays in the homebuying process due to this inaccurate and harmful reporting. I request that the CFPB demand Experian : These entries violate : FCRA 605B failure to block fraudulent information within 4 business days FCRA 611 failure to conduct a reasonable reinvestigation FCRA 609 failure to provide Method of Verification FCRA 623 knowingly reporting inaccurate data IRS Code 26 USC 6050P continued reporting of charged-off debt despite 1099-C issuance

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 2025-05-31 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX  XXXX - Balance : {$130.00} - Account # : XXXXXXXX XXXX XXXX - Balance : {$670.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$530.00} - Account # : XXXX XXXX XXXX XXXX XXXX - Balance : {$160.00} - Account # : XXXX XXXX XXXX XXXX - XXXX : $ - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX, XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

Company response to consumer: Closed with explanation