vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 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: NC

Complaint narrative:
I have XXXX late payment from XXXX XXXX on my credit report from XX/XX/year> on a personal line of credit with account number starting in XXXX. I have been on time for 99 % of my payments. The month that report a late payment was due to an ACH payment issue with my bank and I was never notified about it. I would like to ask if upper management could submit a request to the credit reporting agencies to remove the late payments. It is stopping me from getting approved for a mortgage.

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 2025-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
After reviewing my recent credit report, I was shocked to discover several accounts that I did not open or authorize. These unauthorized accounts are clear evidence of identity theft and are causing serious complications, particularly as I am in the process of purchasing a new vehicle for my family. I urgently request that these fraudulent accounts be removed from my credit report immediately to prevent further damage.

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 2025-05-12 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: T.S. Holdings
State: AZ

Complaint narrative:
My partner and I were told that we had to move out on XX/XX/2025 even though our lease ended on XX/XX/2025. The apartment complex is charging us for damages that were made in the apartment but should have been deducted from our lease lock waiver deposits fee that we were paying monthly on top of our rent. They were not reaching back to us to figure these issues out but they were very quick to send me a bill of these damages that were supposed to be paid with the lease lock payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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:
I respectfully request a revision to my credit report, specifically the removal of the public record currently listed. I have attached the required documents to support this request. Your help is highly appreciated.

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 2025-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I am writing to formally express my concerns regarding repeated discrepancies with my account payments and to request a full audit to identify potential errors. 
Last month, I had to contact your customer service team to correct the application of a payment I had made daysif not a weekprior. Today, I found myself in the same situation, which raises serious concerns regarding the accuracy and reliability of my account. 

Most notably, I paid {$200.00} on XX/XX/XXXX, which aligns with the date my statement was issued. However, on XX/XX/XXXX, I found that only {$140.00} of my payment was made available, leaving {$60.00} unaccounted for. I was informed that my bank, XXXX, may have initially sent a partial payment before processing the remaining balance later. While XXXX XXXX  confirmed that this is possible. What is perplexing is I get received emails telling me my {$200.00} payment was applied. But yet I had to call in to actually get it to apply. and then to only see what seems like only {$140.00} increase. This has also happened to my wife on a different synchrony account! where a payment was made the day of statement and it was miss applied! 

Last month it appeared I had gone over my limit. But i had not it again was they failed to apply a payment. 

I have recently begun conducting thorough check-and-balance audits across my accounts to responsibly pay off my debts, and I have successfully paid off XXXX smaller cards this month as I shift focus toward larger balances. However, because I have had to contact your team twice within the last XXXX months to correct payment applications, I have serious concerns about the accuracy of my balance. 
Given these recurring issues, I formally request a full audit of my account to identify any errors that XXXX have been made. None of my other credit accounts have exhibited these irregularities, which further deepens my concern regarding the validity of my balance. 

I kindly request your prompt investigation into this matter and a detailed report of your findings. Additionally, I expect any necessary corrections to my account to be made in a timely fashion. Please confirm receipt of this complaint and provide a timeframe within which I can expect a resolution. 
I appreciate your immediate attention to this issue and look forward to your prompt response.

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 2025-05-12 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: FL

Complaint narrative:
I am writing to formally dispute the following accounts that your agency has reported XX/XX/XXXX Account Number : XX/XX/XXXX Creditor Name :XX/XX/XXXX Amount OwedXX/XX/XXXX{$0.00} -XX/XX/XXXX Account Number :XX/XX/XXXX XXXXXX/XX/XXXXCreditor Name :XX/XX/XXXXAmount Owed :XX/XX/XXXX {$1000.00} I demand full validation pursuant to XX/XX/XXXX15 U.S.C. 1692g XX/XX/XXXX of theXX/XX/XXXX Fair Debt Collection Practices Act ( FDCPA )XX/XX/XXXX and XX/XX/XXXX 15 U.S.C. 1681s-2 ( b ) XX/XX/XXXX of the XX/XX/XXXXFair Credit Reporting Act ( FCRA ) XX/XX/XXXX. 

This dispute applies to * * both the original charge-off and any subsequent collections account * *. I request the following documentation to substantiate this debt : 1. * * Proof of Legal Ownership * * A complete chain of custody demonstrating your legal right to collect, including : - The * * original creditors name and address * *.

- A copy of the * * signed agreement * * or contract proving I owe this debt.

- Documentation showing the debt was * * legally assigned/sold * * to your company.

2. * * Itemized Accounting * * A * * detailed breakdown * * of the debt, including : - The * * original principal balance * *.

- All * * interest, fees, and charges * * applied.

- A full * * payment history * * ( to verify the claimed balance ).

3. * * Charge-Off Verification * * Proof that the * * original creditor properly charged off this debt * * in compliance with federal and state laws.

4. * * Credit Reporting Compliance * * If this debt is reported to any credit bureau, provide : - The * * date of first delinquency ( DOFD ) * *.

- Verification that the * * 7-year reporting period * * has not expired.

# # # * * Immediate Actions Required * * - * * Cease all collection activities * * until you provide full validation.

- * * Remove any inaccurate or unverified entries * * from my credit reports.

- * * Confirm in writing * * that this debt will not be sold or reassigned.

# # # * * Failure to Comply * * If you do not respond within * * 30 days * *, I will : - Consider this matter * * resolved in my favor * * and demand deletion from all credit reports.

- File complaints with the * * CFPB ( ConsumerFinancial.gov ), FTC ( ReportFraud.FTC.gov ), * * and * * Florida Attorney General * *.

- Pursue legal action for * * FDCPA/FCRA violations * *, including * * fines of up to {$1000.00} per violation * *.

REMOVE ALL HARD INQUIRES THAT ARE OLD AND NOT ATTACHED TO AN ACTIVE 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 non-monetary relief
Consumer complaint received 2025-05-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Summary of Complaint : I am filing a complaint against Bank of America for refusing to reverse a {$5000.00} charge I made ( XX/XX/year> ) to a disbarred attorney in Georgia, who never provided the legal services I paid for. I later found that the attorney had been disbarred prior to the charge and has a history of defrauding clients, as shown by public reviews and complaints. I immediately notified the bank and requested a reversal under the Fair Credit Billing Act, but they have sided with the merchant despite the lack of proof of service. I am now representing myself pro se in the case the attorney was hired for. 

Requested Resolution : I request that the CFPB require Bank of America to reverse the {$5000.00} charge, remove all interest and fees, and conduct a full investigation into the banks failure to protect consumers from fraudulent legal service providers.

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 2025-05-12 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of HTFINANCEI XXXX INQUIRIES XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX 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 2025-05-12 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:
After reviewing my credit report, there are many inaccuracies and things I do not recognize that I need removed 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 non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
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 explanation
Consumer complaint received 2025-05-12 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: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: LA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
On XX/XX/XXXX, I deposited {$62000.00} in an 8-month CD account ( 8-month time deposit ) with an annual interest rate of 5.15 %, and the last four digits of the account number : XXXX. 
When making the deposit, I specifically requested that the money be automatically deposited into my checking account after maturity, and the bank staff agreed. No one told me that it would be automatically transferred to a low-interest time deposit after maturity. 
However, 8 months later, without my knowledge, the staff secretly deposited my money into an 8-month CD account ( 8-month time deposit ) with an extremely low annual interest rate of only 0.10 %. 
If I withdraw the money, I will be fined. If I don't withdraw it, it means that the money I deposited in this bank will not have any interest. 
On XX/XX/XXXX, I deposited another {$140000.00} in an 8-month CD account. On XX/XX/XXXX, I was told that due to the staff 's operational error, there was no interest on this deposit, and I could only withdraw the money first and then deposit it, and withdraw it on the same day. 
On XX/XX/XXXX, I deposited {$130000.00} into the bank again as an 8-month time deposit. 
8 months later, I went to the bank to withdraw the money on XX/XX/XXXX, and was told that the money had been converted into an 8-month time deposit ( annual interest rate of 0.10 % ). Since the due date was XX/XX/XXXX, and XX/XX/XXXX exceeded the bank 's 10-day grace period from XX/XX/XXXX. Therefore, I was fined {$94.00}. 
The reason given by the staff was that my CD 8-month time deposit account was opened on XX/XX/XXXX. When I made the deposit, no one told me that the deposit on XX/XX/XXXX would be calculated from XX/XX/XXXX. 
However, my CD 8-month time deposit account was opened as early as XX/XX/XXXX. Moreover, the account opened on XX/XX/XXXX was closed on XX/XX/XXXX. 
This bank is a liar. I don't speak English, so I can only go to branches that speak XXXX. 
I hope your department can help me get my money back and adjust the interest rate of the CD 8-month fixed deposit to the 8-month fixed deposit rate at that time. 
I hope this improper behavior of the bank can be stopped as soon as possible. 
Thank you

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 2025-05-12 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: AR

Complaint narrative:
On XX/XX/XXXX I asked that no hard inquires be placed on my account from dealership, but they proceeded to run my credit through multiple credit sources which in result left several inquires on my account. I am requesting this be deleted 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 2025-05-12 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:
These accounts were opened without my authorization and should not be on my credit report. I urge you to correct this issue by deleting them.

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 2025-05-12 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: NY

Complaint narrative:
This report is being submitted to address inaccuracies on my credit report. Equifax has verified that a system malfunction caused my personal information to be leaked and subsequently used without my consent. I have faced denial of credit because of this, and I am requesting prompt resolution within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Formal Dispute of Inaccurate and Unverifiable Information Under the Fair Credit Reporting Act To Whom It May Concern : I am writing to formally dispute several items on my credit report as provided by your agency. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am exercising my right to dispute any information in my credit report that I believe to be inaccurate, incomplete, outdated, or unverifiable.

this are inacurate informations : 1. Total accounts are incorrect.

2. Open accounts are incorrect.

3. Closed accounts are incorrect.

4. The delinquent accounts are incorrect.

5. Balances are totally incorrect.

6. Payments are totally incorrect.

7. Inquiries totally wrong.

8. Name added wrongly.

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 2025-05-12 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: TX

Complaint narrative:
Subject : Formal Dispute of Inaccurate and Unverifiable Information Under the Fair Credit Reporting Act To Whom It May Concern : I am writing to formally dispute several items on my credit report as provided by your agency. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am exercising my right to dispute any information in my credit report that I believe to be inaccurate, incomplete, outdated, or unverifiable.

this are inacurate informations : 1. Total accounts are incorrect.

2. Open accounts are incorrect.

3. Closed accounts are incorrect.

4. The delinquent accounts are incorrect.

5. Balances are totally incorrect.

6. Payments are totally incorrect.

7. Inquiries totally wrong.

8. Name added wrongly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC.
State: CO

Complaint narrative:
XXXXI AM AN XXXX  RETIREE.  IBM CONTRACTS "OPTUM BANK INC." TO ADMINISTER AN \'HRA\' ACCOUNT WHERE IBM EACH YEAR DEPOSITS MONEY FOR MY WIFE AND I TO BE PARTIALLY REIMBURSED FOR OUR PART XXXX  SOCIAL SECURITY DEDUCTIONS.  THIS IS NOT AN HSA - IT IS A PREFUNDED REIMBURSEMENT ACCOUNT.  EVERY MONTH THEY FAIL TO SEND THE PAYMENT - FOR THE LAST 3 YEARS I CALL AND THEY ASK ME TO REPEAT SENDING THE SSA DOCUMENT... I DO THIS AND STILL THEY OFTEN FAIL TO PAY.  SO I HAVE A PART TIME JOB TALKING TO TOTALLY "UNEMPOWERED" PHONE PEOPLE WHO HAVE TO PASS THE WORK TO THE "CLAIMS DEPARTMENT". I WANT CHECKS DISPERSED EVERY MONTH UNTIL THE ALLOTMENT IS FULFILLED.\n\nI FIND HUNDREDS OF COMPLAINTS ON LINE ABOUT OPTUM BEING CROOKS AND KEEPING PEOPLES MONEY.  HERE IS A SMALL SAMPLEXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
As stated they lost the forbearance papers transferring the loan from XXXX to M & T Bank. I have documented XXXX phone calls to them. No one is helping me. XXXX transfers me right back to M & T and they just bought the loan XXXX  days ago but is reporting me late even though I was in forbearance. No one from either company is helping to resolve after XXXX weeks. I am trying to assist my wife to get her roof repaired and the payment history is wrong on XXXX as well as M & T. I really need some assistance here. I need it quickly

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief