vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 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: MA

Complaint narrative:
Formal Dispute Under FCRA XXXX XXXX Demand for Immediate Removal of Inaccurate and Obsolete Accounts To Whom It XXXX Concern, This letter is a formal and lawful dispute regarding several inaccurate and/or unverifiable items currently appearing on my TransUnion credit report. Pursuant to Section XXXX of the Fair Credit Reporting Act ( FCRA ) [ XXXX XXXX. XXXX ], I demand the immediate investigation and removal of the following accounts, which are erroneous, unverified, or outdated : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 accounts are either : Obsolete, as defined by Section XXXX ( a ) of the FCRA ( e.g., debts older than XXXX years ), Duplicated entries, which falsely inflate my debt burden and artificially XXXX XXXX score, Or can not be properly verified under Section XXXX of the FCRA within the XXXX timeframe. 

I challenge the accuracy, completeness, and legitimacy of these accounts. Unless TransUnion can produce concrete verification, including the original signed documentation and a full chain of title of debt ownership, they must be deleted immediately. 

DEMANDS : XXXX a full investigation of each account listed above. 
Provide documented evidence that these accounts are being reported in compliance with all federal regulations. 
If verification can not be obtained, remove the accounts immediately and confirm in writing. 
Cease and desist from reporting any unverifiable, duplicated, or obsolete information. 

Failure to comply with this lawful request will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and possible civil action. 

This is your legal obligation under federal law. I expect a written response within XXXX  days of receipt of this letter as required under FCRA regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX USC XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached XXXX XXXX XXXX XXXX I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXXB of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: IL

Complaint narrative:
I am filing this complaint because a consumer reporting agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). After disputing inaccurate information on my credit report, I submitted a formal requestpursuant to XXXX U.S.C. XXXXi ( a ) ( 7 ) and XXXXe ( b ) seeking a detailed explanation of the reinvestigation process. Specifically, I requested information describing the steps taken to verify the disputed data, the name, address, and telephone number of the data furnisher, and any documentation relied upon to justify the continued reporting of the item. 

To date, the agency has not provided any of the requested information. This lack of disclosure contravenes the transparency and accountability standards established by the FCRA and raises serious concerns regarding the accuracy, completeness, and integrity of the reinvestigation. The agencys noncompliance may constitute willful or negligent violations under XXXX U.S.C. XXXXn and XXXXo and may expose it to civil liability.

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 2025-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: IL

Complaint narrative:
This is what happened. 

On XXXX, 2025, I made a cash deposit at U.S. Bank ATM for the amount of {$600.00}, and I received my receipt which was not printed correctly but it shows the transaction data. 

On XX/XX/XXXX. 2025 the U.S. Bank reversed my deposit, creating financial hardship for me. 

I contacted the bank and filed a claim # XXXX. The bank explained that I would be notified within 10 days. 

I have not received any notification. I called the bank again and they said that they denied my claim. They confiscated my deposit with no explaination nor any verifiable proof .. ATM have camera 's and they should have been able to view my deposit and verify my receipt for the {$600.00}. 

Subsequently, the deposit and the reversal do not show at all in any transactions in my account. So I filed another complaint on XX/XX/scrub> 2025 XXXX This is thief. The bank should not be allowed to reverse my deposit erroneously. 
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 2025-06-05 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: CT

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report, they are hurting my ability to obtain credit. 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 2025-06-05 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:
I am filing a complaint regarding what I believe to be a fraudulent or unauthorized hard credit inquiry that now appears on my consumer credit report. I did not apply for credit, nor did I authorize this institution to pull my credit. I have no prior dealings or affiliations with this entity. This unauthorized inquiry violates XXXX U.S.C. XXXXb, as no permissible purpose exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Received Apple Card Application, applied and was approved. Received the card starting using it to find it was initially hacked through digital contact. Apple reissued a digital code and reversed charges. 
I did not receive statements but check balances before the end of the month due. 
Stated seeing in my charges XXXX thinking it was XXXX XXXX or something concerning music because of the multi Apple Devices I have and use on a daily basis. In retrospect with so many music accounts I own I knew another I wouldnt take or even accept as a promotion, which was very very obviously hidden in the initial card information. 
Further month after month I kept seeing same XXXX charge. Complaints do not seem to resonate with Apple Card. 
22 months later I got so angry I called demanded action. They realized this was a third party scam shoving services in with automatic renewals EVEN AFTER COMPLAINTS OF INCORRECT FRAUDULENT CHARGES. 
Finally I received credits for all totaling XXXX $ ) approx ). ( documents available ). 
After what Apple calls an investigation Im a getting charged again for the same charges. I called again for an hour Im told the same over and over.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-05 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: NY

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-05 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:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-06-05 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: AR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally express my concern regarding the removal or deactivation of my accounts without my prior knowledge or consent. 

To the best of my understanding, I did not violate any terms of service, nor was I notified in advance about any issues requiring action on my part. I was surprised to discover that my account had been removed, and I respectfully request a full explanation of the cause, along with immediate reinstatement.

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 2025-06-05 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: MA

Complaint narrative:
Formal Dispute Under FCRA XXXX XXXX Demand for Immediate Removal of Inaccurate and Obsolete Accounts To Whom It XXXX Concern, This letter is a formal and lawful dispute regarding several inaccurate and/or unverifiable items currently appearing on my TransUnion credit report. Pursuant to Section XXXX of the Fair Credit Reporting Act ( FCRA ) [ XXXX XXXX. XXXX ], I demand the immediate investigation and removal of the following accounts, which are erroneous, unverified, or outdated : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 accounts are either : Obsolete, as defined by Section XXXX ( a ) of the FCRA ( e.g., debts older than XXXX years ), Duplicated entries, which falsely inflate my debt burden and artificially XXXX XXXX score, Or can not be properly verified under Section XXXX of the FCRA within the XXXX timeframe. 

I challenge the accuracy, completeness, and legitimacy of these accounts. Unless TransUnion can produce concrete verification, including the original signed documentation and a full chain of title of debt ownership, they must be deleted immediately. 

DEMANDS : XXXX a full investigation of each account listed above. 
Provide documented evidence that these accounts are being reported in compliance with all federal regulations. 
If verification can not be obtained, remove the accounts immediately and confirm in writing. 
Cease and desist from reporting any unverifiable, duplicated, or obsolete information. 

Failure to comply with this lawful request will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and possible civil action. 

This is your legal obligation under federal law. I expect a written response within XXXX  days of receipt of this letter as required under FCRA regulations.

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally express my concern regarding the removal or deactivation of my accounts without my prior knowledge or consent. 

To the best of my understanding, I did not violate any terms of service, nor was I notified in advance about any issues requiring action on my part. I was surprised to discover that my account had been removed, and I respectfully request a full explanation of the cause, along with immediate reinstatement.

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 2025-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Allied Consulting Services LLC
State: TX

Complaint narrative:
The company threatening to report my debt to my place of work is Allied Consulting Services, their phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: MA

Complaint narrative:
I am writing to formally lodge a complaint against these accounts concerning the unauthorized reinsertion of items that were previously removed from my credit report. Despite having successfully resolved this issue before, these items have reappeared, causing undue distress and potential harm to my credit standing. Please see attached documents for these items I am complaining.

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 2025-06-05 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: MI

Complaint narrative:
I am a victim of a recent data breach, and I have discovered fraudulent accounts on my credit profile. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), kindly block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, MI XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$6600.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$840.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$13000.00} Inquiries XXXX XXXX XXXXXXXX Date : XX/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 2025-06-05 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 demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-05 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: IL

Complaint narrative:
Im beyond frustrated with the continued presence of false, damaging information on my TransUnion credit report. These aren't minor oversights or accidental typosthey are substantial and harmful misrepresentations that continue to sabotage my financial progress and personal stability. Ive gone through the formal dispute process in good faith, hoping the issues would be corrected responsibly, only to be met with silence and negligence. The failure to properly investigate and resolve these errors has left me feeling ignored, disrespected, and financially punished for mistakes I did not make. 

As a consumer, I have a legal right under the Fair Credit Reporting Act to a credit file that is completely accurate and substantiated by real, verifiable documentation. It is not my job to chase down proofIve done my part. If TransUnion can not produce direct and unquestionable evidence to support the continued reporting of these entries, then it is obligated by federal law to delete them immediately. This isnt a requestits a demand for compliance. If you continue to ignore my concerns, I will treat this as a willful violation of my rights and take further action to hold you accountable. My creditworthiness is not something I take lightly, and you should not either.

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 2025-06-05 00:00:00
Product: Credit card — Store credit 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: SC

Complaint narrative:
In 2020, I opened a CareCredit account with an initial balance of around {$6500.00}. Despite making consistent payments, including $ XXXX recently, my balance grew to over {$7500.00}. After a deep dive, I discovered I had been charged more than {$17000.00} in unauthorized fees for card security and excessive interest, which I never knowingly agreed to. The interest was getting higher and higher each month because of the added fees increasing my balance. Synchrony Bank has since refunded {$10000.00}, acknowledging the error. 

However, these charges caused years of financial harm. My credit score was severely damaged, I accrued further debt trying to pay this off, and I experienced emotional and financial stress due to this hidden billing practice. I am formally requesting compensation of {$10000.00} in addition to the refund already issued. Synchrony has not yet responded to this request. 

I also request that any negative credit reporting associated with this account be reviewed and corrected, as I was misled and overcharged for years without my knowledge.

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