vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax & XXXX  credit report on XX/XX/year>XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX, EQUIFAX, EXPERIAN AND TRANSUNION ARE ALL REPORTING MY XX/XX/year> CREDIT CARD PAYMENT INCORRECTLY. THIS WAS PAID BEFORE 30-DAYS. MULTIPLE REQUESTS MADE BUT NO RESPONSE OR PROOF. ANOTHER EXAMPLE OF THE AGENCIES NOT FOLLOWING THE LAW AND PROVIDING PROOF.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: FL

Complaint narrative:
XXXX XXXX, EQUIFAX, EXPERIAN AND TRANSUNION ARE ALL REPORTING MY XX/XX/year> CREDIT CARD PAYMENT INCORRECTLY. THIS WAS PAID BEFORE 30-DAYS. MULTIPLE REQUESTS MADE BUT NO RESPONSE OR PROOF. ANOTHER EXAMPLE OF THE AGENCIES NOT FOLLOWING THE LAW AND PROVIDING PROOF.

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 2025-05-19 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:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: OH

Complaint narrative:
Experian/Transunion/Equifax has allowed XXXX XXXX and XXXX XXXX report a fraudulent account that was open in my name without my permission. On my XXXX credit report there XXXX an incorrect date of birth that's showing where the account holder signed up with in my name. Which is not matching my correct date of birth. I was a victim of XXXX XXXX which documentation has been uploaded supporting my evidence but no credit bureaus has responded to me. THIS ERROR IS ILLEGAL AND UNETHICAL Experian/Transunion/Equifax FAILED TO AN INVESTIGATION. XXXX XXXX and XXXX failed to perform investigation, The accounts has been damaging to me. REMOVE BOTH ACCOUNTS 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 2025-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
I went to check my account XXXX day and found out my account was closed but they couldnt provide a reason except read there terms and conditions which I did and I did not break any of them. They refuse to expedite my money from my account because I didnt meet the criteria they couldnt even provide me. I had issues with my account since the day they opened it. I couldnt even transfer money to my own accounts. Now they refuse to send me money and I have to wait 60 days.

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 2025-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Bonneville Billing and Collections
State: WY

Complaint narrative:
I had a power bill that was turned over to a collection agency out of state, was called 1 time by them and they were extremely rude and aggressive, that was the only communication from them and they filed a lawsuit claiming 7 times the amount owed, they are currently harassing my work to collect the debt through garnishment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX United States Phone : XXXX XXXX : [ Insert your full Date of Birth ] SSN : XXXX Date : XX/XX/year> To whom this may concern : Subject : Formal Dispute Under Federal Law Request for Deletion of Inaccurate Information Dear TransUnion, Experian and Equifax I am writing to dispute inaccurate, outdated, or unverifiable information currently listed on my credit report. Under my rights granted by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request an immediate investigation and correction of the following : Late Payments : Pursuant to 15 U.S.C. 1666b, please validate all reported late payments. If accurate validation can not be provided, they must be deleted.

Charge-Offs : According to 15 U.S.C. 6801 and 6802, credit furnishers must ensure the accuracy, security, and privacy of consumer information. Unverified or inaccurately reported charge-offs should be removed.

Collections : Under 15 U.S.C. 1692g and 1692cc, debt collectors are required to verify any debts they report. If the listed collections are not validated, they must be deleted from my file.

Inquiries : As per 15 U.S.C. 1681b, all inquiries must be based on my written consent or legitimate purpose. Any that do not meet this criterion must be removed immediately. 

I expect your investigation to be completed within 30 days, in compliance with federal law. Please send me the updated credit report once the investigation is finished. I also ask that you inform all recent users of my credit file of any changes made. 

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
Consumer complaint received 2025-05-19 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: NC

Complaint narrative:
FXXXX 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 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 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 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 XX/XX/XXXX Following the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I did not authorize them and they do not have a Permissible Purpose on my behalf. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : 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 seven years. 15 U.S.C 1681s-2 ( A ) ( a 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.

The accounts below have violated my rights.

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 2025-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Dave Operating, LLC
State: PA

Complaint narrative:
On XX/XX/year>, I formally revoked ACH authorization for Dave Inc. to withdraw funds from my checking account ending in XXXX. Despite this, Dave continued to debit my account multiple times between XXXX XXXX XXXX totaling over {$140.00}. The charges include transactions of {$70.00}, {$45.00}, {$15.00}, {$10.00}, and {$5.00}. 

I contacted my bank and requested a stop payment, but Dave Inc. bypassed it by varying transaction amounts and merchant codes. I also messaged Dave Support directly, clearly revoking authorization and requesting no further withdrawals. I did not reauthorize any of the charges. 

These are unauthorized debits and violate the Electronic Funds Transfer Act ( EFTA ), which gives consumers the right to revoke recurring payment permissions. I am requesting a full refund of the withdrawn funds and enforcement of the revoked authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

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 2025-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XX/XX/year>, I applied for a mortgage loan through Citibank , N.A . and included explicit written instructions as part of my application package. These instructions lawfully directed Citibank to apply the principals security interest which I am duly authorized to administer under Durable Power of Attorney to cover or discharge all debts and obligations arising from the mortgage transaction. 

Instead of lawfully applying the security as instructed, Citibank ignored the directive and attempted to unilaterally withhold, redirect, and convert the principals financial interest, including proceeds arising from the transaction, for its own corporate benefit. This constitutes : Breach of fiduciary and contractual duty Failure to honor lawful presentment of a negotiable instrument/security interest Unjust enrichment and unauthorized control over third-party assets Potential conversion of collateral intended for lawful discharge of the debt Further, when I followed up to verify proper application of the instrument and settlement of the obligation, Citibank refused to acknowledge the security interest, failed to provide any lawful reason for their refusal, and denied any recourse or supervisory review. 

Citibank 's conduct is : In bad faith, violating the spirit and letter of applicable contract, agency, and consumer finance laws Contrary to the Uniform Commercial Code and 12 U.S. Code 1431, which support the lawful use of security interests to settle obligations In violation of the CFPBs mandate to ensure fair, transparent, and lawful treatment of consumers in financial transactions

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 2025-05-19 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: CT

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-19 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: CT

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
This is a brand-new complaint regarding Synchrony Banks handling of a legally protected consumer dispute. 

After filing an earlier CFPB complaint due to a violation of the FDCPA ( Synchrony contacted me after receiving a cease and desist ), I attempted to follow up with the company directly via their published email contacts. 

Shortly after referencing my legal rights and the open CFPB matter, all communication channels were abruptly blocked. Every Synchrony email address I usedincluding XXXX and XXXX bouncing back with errors such as Recipient not found or server rejections. These email addresses were previously functional. 

This suggests intentional evasion or retaliation, likely triggered by my legal assertions and demand for statutory damages. This complaint is distinct from the original FDCPA violation and focuses entirely on Synchronys refusal to maintain any channel for lawful dispute resolution.

I have retained all evidence of these blocked communication attempts and server messages.

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 2025-05-19 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: LA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-19 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: LA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: ROBINHOOD MARKETS INC.
State: IN

Complaint narrative:
Robin hood Trading Platform I can not log back in as Robinhood will not give me access to my account and I have provided all the information to my account I have had for five years! All of a sudden I could not log into my account after changing phones! Each time I respond they start a new case! They continue taking {$590.00} from my savings account not sure what for! I can not log into my account! I have no way of contacting customer service and through I get a different case each time I send an inquiry and different person! Its like start over!! I have tried verifying my account also with my checking account attached to, the same account they take {$590.00}. I have options costing me money that I can not sell. Each time I submit documents I get a run around for more! Its very easy to identify me by my checking account they are draining

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a XXXX XXXX XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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