vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 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: TX

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: MD

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
b'I opened a new credit card account with PayPal in XXXX XXXX and was sent a credit card. It was intercepted by someone and activated and on XXXX XXXX XXXX four unauthorized charges were made to my account from a merchant listed as Still Faded. \n\nThe transactions areXXXX XXXX XXXX XXXX XXXX received a notification from PayPalCredit requesting confirmation of these charges within minutes, and I immediately called to report them as fraudulent. They cancelled the credit card, sent me a new one and said they had opened a claim on the 4 charges equalling XXXX \n\nSince then, I have contacted customer support multiple times to follow up on the status of these disputes. Unfortunately, each representative has been unable to provide clear information, largely due to language barriers. During my most recent call, I was informed that no dispute had ever been opened, which is extremely concerning.'

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 2025-12-08 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-08 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:
After multiple disputes, the bureau is still in violation of FCRA XXXX & XXXX, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-12-08 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: FL

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA XXXX & XXXX, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
Hello, I am writing because I recently had an offset that was a forced debit from my account in the amount of {$600.00}. That was literally all the money I had left in my account to pay for my living expenses like groceries and rent for myself and XXXX children. This offset has caused a significant hardship for my children and I because we are now facing eviction and I have no money to pay for gas and other living expenses. 

I had no knowledge of the debt and do not even recall this debt and have not received any notification via email, mail, or phone calls regarding this debt. Had I known, I could have set up payment arrangements to avoid being put in this situation. 

I reached out to the bank and explained the financial hardship that I have been put in and was given a fake email address to submit a complaint, transferred to a different department, and being told that they would submit a complaint for me. 

The employees I talked to were very rude and heartless and had no compassion or care for what I was going through.

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 2025-12-08 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: NY

Complaint narrative:
There were several fraudulent charges on my Apple card by Goldman Sachs, and I disputed them when I realized they were on my card. After XXXX months of investigation, Apple card determined these were authorized charges and put the balance back on my card, without any evidence and explanation. When I contacted them, they said the merchant never responded but they don't think these look like fraudulent charges. 

They eventually reopened the disputes for me and XXXX month later, the transactions with lower amounts were determined as fraud and taken off my account and the ones with higher amounts were determined as authorized. When I contacted them, again, they can not provide any explanation on what the decision. 

They have reopened the case again. However, at this point, this has been ongoing for months and I was never provided with any information or guidance on how this can be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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 am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2.

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft.

I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law.

The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within 4 business days under 15 USC 1681c2.

I am attaching : FTC Identity Theft Report My government-issued ID Social Security card Proof of address A list of disputed accounts/inquiries Please investigate and remove the accounts and all associated negative information 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 2025-12-08 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 am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2.

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft.

I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law.

The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within 4 business days under 15 USC 1681c2.

I am attaching : FTC Identity Theft Report My government-issued ID Social Security card Proof of address A list of disputed accounts/inquiries Please investigate and remove the accounts and all associated negative information 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 2025-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: DC

Complaint narrative:
Subject : Bank does not respond to second formal request for appraisal and dismissal of PMI I submitted a formal request to Newrez LLC ( ShellPoint ) via their customer email ( XXXX ) on XX/XX/2025. 

The email excerpt is below : -- - XXXX, I am requesting XXXX dismissal for mortgage [ mortgage number and property address omitted ] as the loan to value ratio is less than 80 %, or the equity value is greater than 20 % based on a new appraisal. 

This is my second formal request for the XXXX dismissal based on records of recent sales in the same building and the current market value of the property. 

Based on recent sale records of similar properties in the building and zip code, the estimated value of the property is between {$340000.00} to {$360000.00}. 

The outstanding balance is {$260000.00} The ratio is therefore at least less than 75 %. 

Use references of recently sold XXXX bedroom and XXXX bath condos in the same building : 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  The bank still has not responded to the request and continues to ignore my messages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Imprint Payments, Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX previously issued their credit card through XXXX XXXX, had that card for over XXXX, never once had to call in for any issues, setup auto pay and never had a issue. For some reason XXXXXXXX XXXX XXXXXXXX decided to switch to Imprint, have had consistent problems since the switch. Right at the beginning they sent out additional cards for additional users, but they all had the same name, had to issue a statement saying an error was made and would re-send correct cards. Setup auto payment, accepted my bank routing and account number, days later got notification payment failed, no indication why, tried it again, again failed, deleted bank info, rentered the exact same info, payment went through. However imprint charged be interest, saying the balance was not paid. Called them, to have that refunded. they did, then looked at account again a few weeks later, see another interest charge, called, they said because there was a XXXX  balance that had not been paid in full. I ALWAYS pay the balance in full, never once had an interest charge in all the years at XXXX, and now all of sudden all these issues. The company is awful, such a mess, even the pre-recorded message indicates the volume of people calling in since the switch over to imprint, seems like so many others are having similar issues. BE-AWARE, check you statements regularly!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: RI

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established. 

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-12-08 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: NC

Complaint narrative:
I am disputing the following accounts that I believe to be inaccurate and require immediate investigation and correction in compliance with the Fair Credit Reporting Act ( FCRA ). The items listed below are being disputed due to inaccuracies or incomplete information. Please review and update accordingly. 

Charged Off Accounts : XXXX XXXX, XXXX, XX/XX/XXXX, {$1800.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$3100.00} PORTFOLIO, XXXX, XX/XX/XXXX, {$650.00} XXXX XXXX, XXXX, XX/XX/XXXX XXXX {$21.00} XXXX XXXX, XXXX, XX/XX/XXXX XXXX {$330.00} XXXX, XXXX, XX/XX/XXXX, {$2900.00} XXXX, XXXX, XX/XX/XXXX, {$730.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$6600.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} Inquiries : XXXX, XX/XX/XXXX Late Payments : KS XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: GA

Complaint narrative:
On XXXX and XX/XX/XXXX unauthorized withdrawals for a total of XXXX came out of my account. I never got this money. It was my XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Fidelity National Information Services, Inc. (FNIS)
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Social Last XXXX : XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Re : XXXX XXXX XXXX Bank XXXX XXXX and ChexSystems, XXXX and XXXX XXXX XXXX for XXXX XXXX FCRA and XXXX To Whom It XXXX Concern, I am filing a formal complaint regarding improper reporting, failure to properly investigate a dispute, and resulting financial harm caused by Bank XXXX XXXX, ChexSystems, XXXX and XXXX XXXX XXXX. 
Nearly XXXX years ago, I reported a transaction connected to my Bank XXXX XXXX checking account as fraudulent. Bank XXXX XXXX initially issued a credit, confirming the charge was unauthorized. Later, without presenting evidence, they reversed the credit and closed my account. The incident occurred years ago, so I no longer have access to the original correspondence with Bank XXXX XXXX. 
The core issue is that Bank XXXX XXXX only recently reported the account as unusual activity to ChexSystems, XXXX XXXX XXXX, and XXXX, despite the matter occurring years ago. This delayed reporting is now preventing me from opening new bank accounts. I was never notified that Bank XXXX XXXX intended to report me, nor was I given an opportunity to dispute the information before it was furnished. 
I believe this violates the Fair Credit Reporting Act ( FCRA ), including but not limited to : FCRA 1681e ( b ) : Duty to report accurate, verified information FCRA 1681s-2 ( b ) : Duty to investigate disputed information FCRA 1681i : Right to dispute and have unverified information removed It XXXX also violate the Fair Credit Billing Act ( XXXX ), which requires : Proper investigation of disputed charges Documentation supporting creditor findings No negative reporting unless a charge is proven valid Bank XXXX XXXX has not provided proof that the charge was authorized. ChexSystems, XXXX XXXX XXXX and XXXX are now reporting an entry that is inaccurate, unverified, and outdated. 
I am requesting that the CFPB : XXXX. XXXX Bank XXXX XXXX to provide documentation proving the charge was authorized or retract their reporting. 
XXXX. XXXX ChexSystems, XXXX XXXX XXXX, and XXXX to remove the unverifiable entry immediately. 
XXXX. Ensure both parties comply with the reinvestigation timelines required by law. 
The continued reporting is causing significant and immediate harm, as I can not open new bank accounts. 
Thank you for your attention to this matter. I request expedited handling and written confirmation of the resolution. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation