vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 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: NC

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 rectify these issues. 

Account name : XXXX XXXX Account 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 2025-11-28 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 respectfully request the immediate removal of the inaccurate item from my credit report, as it does not pertain to me and is entirely incorrect.

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 2025-11-28 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Subject : Unfair credit limit reductions by Synchrony Bank despite responsible payment history Complaint : I am reporting repeated unfair credit limit reductions by Synchrony Bank. These reductions happened immediately after I made responsible payments and they created artificial over limit situations that damaged my credit. 

1. Synchrony XXXX XXXX XXXX I paid off this account in full with a payment of about XXXX dollars and closed it after the balance reached XXXX. I never had any late payments or negative activity.

2. Synchrony Sams Club Mastercard The limit on this account was XXXX dollars. I made a large payment that brought the balance down to fifty percent. Shortly after this payment, Synchrony reduced the limit to XXXX dollars. This placed the account over the limit even though I had lowered the balance. This caused a spike in utilization and lowered my credit score. Other lenders then reduced their limits because of the way this appeared on my report. 

3. XXXX XXXX XXXX issued by Synchrony I lowered the balance from around XXXX dollars to about XXXX dollars to keep the account at a healthy utilization level. Shortly after that payment, Synchrony reduced the limit to XXXX dollars. This again created an over limit situation even though I had just paid the account down. 

These actions created a false appearance of financial instability. My payment history has been responsible and I have not missed any payments. The negative impact on my credit came entirely from Synchrony lowering limits right after I made payments. This pattern is harmful and misleading and it has caused unnecessary damage to my credit profile.

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 2025-11-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am reporting Transunion for unlawfully furnishing and reporting a XXXX XXXX XXXX XXXX XXXX account on my personal consumer report, even though this obligation is strictly a business/commercial account and does not fall under the scope of consumer reporting under FCRA 603 ( c ) and 603 ( d ) Transunion reported this account with derogatory statuses, including late payments, high balances, and charge-offs, despite it being clearly labeled as a business/commercial revolving account, which creates no consumer liability and carries no permissible purpose for consumer reporting under FCRA 604 Transunion has therefore violated FCRA 607 ( b ) by failing to maintain maximum possible accuracy and FCRA 611 by failing to XXXX  XXXX & XXXX XXXX can not provide because no consumer contract, personal guarantee, or consumer credit application exists for this commercial accounts. 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 2025-11-28 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am reporting Experian for unlawfully furnishing and reporting a XXXX XXXX XXXX XXXX XXXX account on my personal consumer report, even though this obligation is strictly a business/commercial account and does not fall under the scope of consumer reporting under FCRA 603 ( c ) and 603 ( d ) Experian reported this account with derogatory statuses, including late payments, high balances, and charge-offs, despite it being clearly labeled as a business/commercial revolving account, which creates no consumer liability and carries no permissible purpose for consumer reporting under FCRA 604 Experian has therefore violated FCRA 607 ( b ) by failing to maintain maximum possible accuracy and FCRA 611 by failing to XXXX  XXXX & XXXX XXXX can not provide because no consumer contract, personal guarantee, or consumer credit application exists for this commercial accounts. 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 explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: OPTUM BANK, INC.
State: NY

Complaint narrative:
My employer enrolled me in a HSA account with Optum Bank and I now have funds in that account. Their online system gives me an error message every time I try to access it, from any browser on the computer, and from their mobile app. I have not been able to access my own funds at all. I have tried for several days. I called their customer support number which was outsourced to another country. The person on the phone was not able to help me, did not understand my concern, and told me to call back in 1 hour. The problem is still not resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: VA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a
reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX : I wire transferred {$48000.00} to National bank XXXX XXXXXXXX XXXX XXXX XXXX XXXX was XXXX XXXX  for purchase of an apartment. The money was wired to the bank without proper instructions by standard chartered bank used by BOA. 
XX/XX/year> : So after a month of efforts the Nation bank refunded the money to standard charted bank in XXXX and they transferred the money to BOA XX/XX/year> : XXXX from wire transfer department said the money is received by BOA XXXX she will escalate the matter so my account is credited XX/XX/year> : XXXX from wire transfer department said money should be in my account in 2 days XXXX : XXXX from wire transfer department said money was received but returned bank to standard charted bank because of missing information XX/XX/year> : XXXX XXXX XXXX XXXX said she will talk to the branch manager XX/XX/year> : XXXX the branch manager saiid he will escalate the matter There is no direct contact or one person contact. No one is taking the responsibility. I had a XXXX  XXXX and visiting and calling them daily without any result. It has caused me enough stress

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 2025-11-28 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: Kikoff Inc.
State: IL

Complaint narrative:
Kikoff provided written confirmation that my account was permanently closed on XX/XX/year>. Despite this direct evidence from the furnisher, all three credit bureaus continue to report the account with multiple material inaccuracies, including an incorrect status, contradictory balance data, and fabricated reporting fields that do not appear anywhere in the furnishers documentation. This means the bureaus are knowingly publishing information that conflicts with the original data source, proving the account is inaccurate, incomplete, and now legally unverifiable. 

The continued reporting violates FCRA 602, 607 ( b ), 609 ( a ), and 611, as well as the CFPBs accuracy and reinvestigation standards. The bureaus failed to meet the requirement of maximum possible accuracy and have demonstrated negligent and willful noncompliance by refusing to correct or delete information that is clearly contradicted by the furnishers own records. Re-aging, mismatched balances, and false account activity constitute procedural violations and a failure of reasonable investigation under 611 ( a ) ( 1 ). 

I am demanding immediate deletion of this account from all three credit bureaus. The data is now demonstrably unreliable, proven inaccurate, and can not be verified using the furnishers own written statement. Continued reporting after notice constitutes willful noncompliance and exposes the furnisher and the bureaus to statutory damages.There are multiple Kikoff accounts reporting as Closed on my credit file, but the furnisher only acknowledged one account and provided only one closure date. The additional closed accounts are unverified, duplicative, and inconsistent with the furnishers written statement. This creates inaccurate and misleading reporting under FCRA and can not be corrected. These accounts must be permanently deleted from all three credit bureaus because the furnisher can not validate their accuracy or existence

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: MO

Complaint narrative:
I have sent letters to collection agency XXXX XXXX XXXX for amounts XXXX XXXX. XXXX. XXXX fail to verify account i had the original creditors state in letter that im not liable because of fraud they have said they don't have to honor it so I been disputing with trans union and XXXX  and has done a sham investigation i want these accounts removed from my XXXX  and transunion credit report. I have also been disputing debt collection from XXXX XXXX  XXXX i have also sent a verification letter and and failed to send a verification on this debt XXXX  and transunion has again sham investigation i want these deleted from my XXXX  and transunion credit report. XXXX XXXX  is another creditor that I have sent verification letters and nothing back the amount for these is XXXX and XXXX XXXX  XXXX  and transunion have all did sham investigations i want delete from my credit file

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 2025-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: OH

Complaint narrative:
Cash Apps claims I violated their TOS which I did not. They suspended my account. I asked to have my account reactivated but they refused to do so. They holding {$300.00} my money hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One Auto is reporting this account as charged off since XX/XX/year>. This is inaccurate, as the account was supposedly charged off with a settlement agreement in XX/XX/year>. I also made payments as per the agreement. I also never received the 1099-C which validates the debt write off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: NC

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-11-28 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: NC

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-11-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Veros Credit, LLC
State: FL

Complaint narrative:
I am filing a complaint because Veros Credit is refusing to allow me to complete a lawful voluntary surrender of my financed vehicle. I have made multiple attempts to coordinate the voluntary surrender, both by phone and in writing, and the company has repeatedly refused to provide : - A surrender location - Written instructions for voluntary surrender - Written confirmation that it will be coded as a voluntary surrender - Contact information for their repossession department Instead, they insist that the only option is an involuntary repossession pickup, which I do not authorize. This is contrary to industry standards and violates my rights under the Uniform Commercial Code ( UCC ) and Florida law. 

On XX/XX/year>, I sent a formal written request by email to Veros Credit citing : - UCC 9-609 Debtors right to voluntary delivery of collateral, allowing peaceful voluntary surrender - UCC 9-610 Requirement that disposition of collateral be commercially reasonable - Florida Statutes Chapter 679 Adoption of UCC secured transactions and requirement of good faith Despite this, Veros Credit refuses to cooperate or provide any reasonable location for surrender, even though the company publicly states it handles impounded or seized vehicles, which implies access to storage locations or contracted recovery agents. 

This refusal prevents me from exercising my lawful right to a voluntary surrender, and it appears to be an unfair or deceptive practice designed to force an involuntary repossession, which would cause greater financial damage to the consumer. 

I am acting in good faith and simply need : 1. A surrender address in Florida 2. Written surrender instructions 3. Written confirmation that the account will be coded as a voluntary surrender, not involuntary repossession 4. A point of contact for repossessions/loss mitigation Please assist in requiring Veros Credit to comply with its legal obligations and provide the necessary information to complete the voluntary surrender.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
I had a Barclays credit card for years, I recently closed it and eventually I was not able to access the account, I didn't know that they added a big interest payment and never got a phone call, e mail or text of any kind from them, they reported it delinquent to my credit report. I never pay my bills late and think they should remove this from my credit report. They chose not to let me access my acct really fast and then slammed me with another interest charge and didn't notify me! It seems like they are retaliating because I closed 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 explanation
Consumer complaint received 2025-11-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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