vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I noticed several new inquiries on my credit profile that I did not authorize nor consent too. I have been in frequent contention with Equifax throughout this year so far behind what I believe to be a breach of data resulting in various fraudulent accounts and inquiries arising on my credit profile. I have already taken the liberty of filing an FTC report, that of which you can find attached to this report as well as a copy of the dispute letter I sent to each credit bureau. 

The following inquiries are unauthorized and non XXXX. XXXXXXXX XXXX Opened XX/XX/year>. 
XXXX. XXXX XXXX ( FINANCE ) Opened XX/XX/year>. 
XXXX. XXXX ( BANK ) Opened XX/XX/year>. 
XXXX. XXXX XXXX Opened XX/XX/year> XXXX. XXXX XXXX XXXX XXXX Opened XX/XX/year> XXXX. XXXX Fed XXXX XXXX Opened XX/XX/year> XXXX. XXXX XXXX ( Bank ) Opened XX/XX/year> XXXX. XXXX XXXX XXXX Opened XX/XX/year> 2025

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 2025-05-10 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: EQUIFAX, INC.
State: DE

Complaint narrative:
I noticed several new inquiries on my credit profile that I did not authorize nor consent too. I have been in frequent contention with Equifax throughout this year so far behind what I believe to be a breach of data resulting in various fraudulent accounts and inquiries arising on my credit profile. I have already taken the liberty of filing an FTC report, that of which you can find attached to this report as well as a copy of the dispute letter I sent to each credit bureau. 

The following inquiries are unauthorized and non XXXX. XXXXXXXX XXXX Opened XX/XX/year>. 
XXXX. XXXX XXXX ( FINANCE ) Opened XX/XX/year>. 
XXXX. XXXX ( BANK ) Opened XX/XX/year>. 
XXXX. XXXX XXXX Opened XX/XX/year> XXXX. XXXX XXXX XXXX XXXX Opened XX/XX/year> XXXX. XXXX Fed XXXX XXXX Opened XX/XX/year> XXXX. XXXX XXXX ( Bank ) Opened XX/XX/year> XXXX. XXXX XXXX XXXX Opened XX/XX/year> 2025

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I made a purchase on XX/XX/year> for an amount of XXXX. The item in question was a gold XXXX ounce XXXX XXXX XXXX XXXX The item never arrived. I bought this item from a merchant on the app Whatnot. This merchant is from XXXXXXXX XXXX XXXX The merchant stated that they have shipped the item to me promptly, and provided tracking. However, tracking showed that it was still in pre-shipment state. A week or so have passed, on the XXXX, the merchant contacted me if my item had arrived, and I told them it hasnt. The merchant then provided me tracking from my seller who was in XXXXXXXX XXXX XXXX  stating that my seller had delivered on the XXXX, using the Priority Mail delivery method to my area. The merchant did not notify me or anything about the change prior to contacting me if the item had arriver, and I still did not receive my order, the seller had given me a false tracking information with no proof of delivery. The order was supposed to be XXXX  XXXX, which I still have the tracking info for. Next, I filed a dispute around the middle of XXXX. My financial institution, which is American Express, had contacted the merchant. The merchant this time provided information that falsely accused me of abusing their refund policy. They also provided false tracking information this time, stating that my item was delivered on the XXXX of XXXX. The tracking info given was sent from XXXXXXXX XXXX, not XXXXXXXX XXXX XXXX. My bank, however, sided with the merchant stating that my supposed actions violated their policy, though the merchant had clearly provided false information. I filed a dispute again, on XX/XX/XXXX, showing that the item is still in pre-shipment state and showing the discrepancy and flaws in the merchants response. They however, did not provide me a refund but sided with the merchant again and provided me a resolution that they have sided with the merchant on XX/XX/XXXX. Now, I am still waiting for my item to arrive but it still has not. The merchant and seller have provided information that is not true and those information had mislead my bank to thinking I have the item but I do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I discovered a fraudulent account on my credit reports Equifax, that I did not authorize or open. These accounts are directly tied to my compromised personal information. 
Despite my repeated efforts to resolve this issue, the credit reporting agencies ( CRAs ) have failed to investigate and remove the fraudulent items, violating multiple federal statutes, including : 1. 15 U.S.C. 1681c-2 Failure to block fraudulent information within 4 business days of receiving my dispute and supporting documentation.

2. 15 U.S.C. 1681b Unauthorized sharing of my personal and financial information without permissible purpose.

3. 15 U.S.C. 1692g Failure to provide written notice of alleged debts within 5 days of reporting.

4. 15 U.S.C. 1681n and 1681o Willful and negligent non-compliance with the Fair Credit Reporting Act ( FCRA ). 
5. 26 U.S.C. 6050P Failure to provide proper validation of any alleged debt, including evidence of cancellation or discharge via Form 1099-C, if applicable.

Fraudulent Accounts in Dispute : Creditor Name : [ THE SOCIAL BLOCK ] Account number : 2859 Type : rental/leasing Status : Fraudulent Harm Experienced : The fraudulent reporting of these accounts has caused significant harm to my financial reputation, including : 1. Denials of credit applications.

2. Damage to my credit score.

3. Emotional distress caused by repeated failures of CRAs to address the issue.

Actions Taken to Protect Myself : 1. Filed Multiple Identity Theft Reports with the FTC.

FTC Identity Theft Report Number : 187121792 2. Notified the creditor ( THE SOCIAL BLOCK ) and initiated a fraud investigation.

3. Placed fraud alerts and frozen my credit reports with all three major credit bureaus.

4. Filed disputes with Equifax 5. Currently in the process of filing a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: DE

Complaint narrative:
I have been an authorized user on two accounts for almost a month now and they have not reflected on my credit profile. I am not sure why Equifax, Transunion or Experian hasn't reported these accounts yet, However it is severely hindering me from taking financial strides using my credit profile. 

XXXX Opened XX/XX/XXXX. Last reported XX/XX/XXXX. Balance {$0.00} XXXX Opened XX/XX/XXXX. Last reported XX/XX/XXXX. Balance {$0.00} I have attached the following accounts below.

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 2025-05-10 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-05-10 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: LA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXXXXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : EXPERIAN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I have a problem with this bank and I hope and beg the senior officials in this bank to take a decision seriously, I love this bank very much but it has flaws that make you lose your temper, I want to ask one question how do I pay the credit card question really surprised me but the truth is that there is no quick way to pay you have to suffer a lot or be very smart to discover the secret, the program does not work at all I have attached a picture, even if the program worked the payment method is not effective and the payment bottom is not active the program is useless, I contacted customer service they told me yes the program is bad, for payment use the bank website pnc then I went to the official website and paid also there are flaws please look at the attached file, I paid and I do not know if I paid or not there is no proof of payment as in the picture, please please modify and fix the app and take the appropriate decision because I paid {$27.00} late payment and this is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: DE

Complaint narrative:
I have been an authorized user on two accounts for almost a month now and they have not reflected on my credit profile. I am not sure why Equifax, Transunion or Experian hasn't reported these accounts yet, However it is severely hindering me from taking financial strides using my credit profile. 

XXXX Opened XX/XX/XXXX. Last reported XX/XX/XXXX. Balance {$0.00} XXXX Opened XX/XX/XXXX. Last reported XX/XX/XXXX. Balance {$0.00} I have attached the following accounts below.

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 2025-05-10 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: EQUIFAX, INC.
State: DE

Complaint narrative:
I have been an authorized user on two accounts for almost a month now and they have not reflected on my credit profile. I am not sure why Equifax, Transunion or Experian hasn't reported these accounts yet, However it is severely hindering me from taking financial strides using my credit profile. 

XXXX Opened XX/XX/XXXX. Last reported XX/XX/XXXX. Balance {$0.00} XXXX Opened XX/XX/XXXX. Last reported XX/XX/XXXX. Balance {$0.00} I have attached the following accounts below.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Subject : Request for Investigation and Removal of Inaccurately Reported Account To Whom It May Concern, I am writing to formally dispute inaccurate information listed on my credit report. I recently obtained a copy of my credit report from your agency and noticed that the following account is being inaccurately reported : Creditor Name : XXXX XXXX XXXX XXXX & LVNV Funding LLC Account Number : XXXX Reported Inaccuracy : XXXX XXXX XXXX XXXX purchased an account for collections that was originally owned by XXXX XXXX The statements they have from the original creditor shows a final balance of {$590.00} before the account was closed and sent for collections. XXXX XXXX XXXX XXXX is reporting to my credit and requesting an amount of {$700.00}. 

LVNV funding purchased an account originally owned by XXXX XXXX XXXX on XX/XX/XXXX and had been reporting this to my credit since then. On XX/XX/XXXX they reported the account as deleted due to the 7 year period of owning the account expiring and no longer being able to report it to my credit report. It has since not been deleted and is still showing active and reporting to my credit report and negatively affecting my credit. 

I believe this information is incorrect and am requesting that you initiate an investigation into this matter under the Fair Credit Reporting Act ( FCRA ). Please find attached any relevant supporting documentation to substantiate my claim, including the final statement before account was sent to collections. 


Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Netspend Corporation
State: TN

Complaint narrative:
XXXX XXXX XXXX [ address : NETSPEND XXXX, P.O. XXXX XXXX, XXXX, Texas. Zip XXXX, ph : XXXX [ aka XXXX Netspend [ XXXX XXXX XXXX XXXX XXXX charter XXXX XXXX ], moved its operation to notorious XXXX, Texas ( XXXX ) XXXX XXXX ( pension distributor ) keeps delaying/stalling my request to have my XXXX & XXXX XXXX XXXX {$400.00} sent to my new bank ( XXXX in XXXX ) XXXX The deposit form was filled out by banker. It was sent priority mail on XX/XX/year>. After inquiring to XXXX as to why my pension was still going to Netspend on XX/XX/XXXX, XXXX informed me that their policy was to have a check form. I XXXX that they should have called or emailed that REJECTION in time. NOW I have my deposit and savings $ XXXX sitting in an online bank UNABLE to access it because these international criminal syndicates ( i.e, XXXX XXXX. Upon further research about Netspend : on XX/XX/year>, Netspend was fined {$1.00} XXXX dollars ( state of NY ) and told to pay back consumer money that Netspend colluded with debt XXXX. I wanted to stay with Netspend, but unfortunately it has succumbed to the EVIL side of life.

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 2025-05-10 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:
There are inquiries on my credit report that do not belong to me

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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Account name SYNCB/XXXXXXXX XXXX XXXX  Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX I File a dispute XXXX XXXX ) that that I paid monthly, and then paid off w/ {$5000.00} of my co. bonus money XXXX of XXXX. They seem to keep it the same negative reporting once dispute was responded to.

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 2025-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A.
State: GA

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX I went to the PNC Bank XXXX XXXX XXXX XXXX, Georgia XXXX I was greeted by a teller and informed her that I was a PNC customer and would like to deposit my {$2000.00} check into my account. She took me in the office putting in my information verify my account then walk me to a kiosk machine, where a live person of the name of XXXX or XXXX greeted me and proceeded to have me put my documentations inside of the kiosk machine while doing so I informed him that I was trying to cash my check. He informed me that the check can not be cashed due to it not being a PNC check. I informed him that last month around the end of XXXX I deposited a check that was not a PNC check and was charged a XXXX dollar amount. The seller sale then went back-and-forth arguing with me stating that that was not true and it could not happen. I then question the fact that could he see my account pulled up with his and to verify the information. At this time, the teller at the location came into the phone call with questions of her own as all three of us said in front of the kiosk machine, communicating as me and the in person bank teller was communicating about the situation. XXXX XXXX, the teller on the kiosk machine, proceeded to return the check from the machine. By me or the live XXXX being aware of his actions in the middle of our conversation, the check was not taken out of the machine in time, and it was eaten by the machine. This check was for {$2000.00}. After noticing that the check is nowhere to be found and I am hysterical and no one can tell me how to retrieve my money. I was sent out of the bank with no funds no check and no one telling me where my money is. I was told to wait 24 to 48 business hours before something is done about a check that was stolen from me inside of PNC Bank. This has caused great distress on me as I have a XXXX XXXX XXXX XXXXXXXX, Ohio, XX/XX/XXXX that I am now not able to make it to due to the fact that PNC has stolen a {$2000.00} check for me have yet to replace my funds or doing anything about it informing me that someone will be in touch with me by Wednesday, XX/XX/XXXX pertaining to a check XXXX. I never asked for my check to be returned. I went in the bank to deposit my check. I do not understand why XXXX returned the check to me when I never asked for that. This was wrongful dishonor on the behalf of PNC as well as failure to follow instructions, causing me to lose out on a {$2000.00} check and wait seven days before anyone reach out to me about the matter. I have reached out to Supervisor after Supervisor about the situation and I am steady being told that I should receive a call by Wednesday. This is not acceptable. This has put me in a bind and it is causing me to miss a XXXX XXXX  out of state.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: PR

Complaint narrative:
Hi, I recently noticed an account that has wrong information and a few discrepancies. Im requesting an investigation for this account. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX

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 2025-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Subject : Follow-Up on Complaint # XXXX Request for Resolution and Refund of Interest Charges Dear [ Customer Service/Support Team ] , I am writing to follow up on my existing complaint ( # XXXX ). I recently reviewed the communications and statements from your company and would like to clarify a few concerns regarding how payments and interest charges have been handled on my account. 

I have received letters indicating a minimum payment due of approximately {$500.00}, which reflects the promotional amount. 

There was a significant change in how interest was applied to my balance. Historically, for the past 510 years, all charges made prior to the current year were subject to a six-month deferred interest policy. At some point, this policy changed, and I was not adequately notified. I had previously raised this issue and was issued a refund as a credit after explaining the situation. 

I have always been diligent about maintaining my balance. However, I later discovered that my autopayment setup had been cancelled without my knowledge or authorization. 

For example : My statement showed a minimum payment of {$500.00} due on the XXXX of the month and an additional {$1000.00} subject to interest. 

I paid the full {$1000.00} before the due date. 

Despite this, on the XXXX, I was charged interest and fees. 

Upon review, I found a letter stating that my autopayment was cancelledapparently triggered by the intra-month payment I made. 

It appears this is part of your current policy, but it is unclear and highly problematic. If I make an early or extra payment, your system cancels my autopay without explicit consent, and I am then penalized with interest charges. This practice feels both unfair and poorly communicated. 

As a result, I am requesting a refund of the {$33.00} interest charge. If this issue is not resolved satisfactorily, I will be closing my 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 monetary relief