vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 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: TX

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 2025-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Synovus Bank
State: NH

Complaint narrative:
I applied for a credit card with first digital in XX/XX/XXXX. I received the card, and activated it in XX/XX/XXXX. Since then I have made charges and payments. I have verified that all the charges are mine and all the payments that went through without a problem are mine as well. 

The first digital app states that I have an available credit of {$42.00} and change. So I decided to order something to eat. I tried the transaction twice and both times it declined with the credit card. Therefore, I reached out and spoke with a customer service representative to explain what the issue was. The representative put me on hold and then came back and states that there is a restriction on my account because I tried to update the phone number. I did initiate a phone number change as I am relocating to a new state next month. The customer service representative said in order to remove the restriction I need to send in a copy of my drivers license and a utility bill. Neither which have anything to do with my phone number. I requested to have the restriction removed and the customer service representative continually placed me on hold at least five or six times. At this time I requested to speak with a supervisor. The supervisor reiterated the same thing that documents would need to be sent in. I explained that we could go through every single change or charge on the account and that I have verified everything is mine. The supervisor states that the restriction can not be removed without the documentation. I explained that this is bad business practice and will be following a complaint with the XXXX  and CFPB. I asked a supervisor to let me speak with someone above his head. But he said those calls can only be scheduled by appointment only. This is how identity theft starts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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:
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 2025-04-23 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: TX

Complaint narrative:
I recently found a credit inquiry on my report that I dont recognize. I did not apply with this company or authorize any credit check. This unrecognized activity is troubling and raises serious concerns.

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 2025-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I closed the account and it remained open and with an overdraft. Golden 1 is refusing to remove it from XXXX XXXX. I dont owe the funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is illegally reporting and denying my right to investigate and dispute the account they placed on my credit report Account # XXXX I asked the company to provide proof of original contract ; valid ownership of debt ; my legible signature agreeing to said contract ; and they responded they did not have to investigate frivolous claims, even with an FTC Report . This is against FCRA regulations as they are not reporting with maximum accuracy nor upholding my right to investigate whats being reported. No one is willing to speak to me at the company I can only get answers through snail mail.

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 2025-04-23 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: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is illegally reporting and denying my right to investigate and dispute the account they placed on my credit report Account # XXXX I asked the company to provide proof of original contract ; valid ownership of debt ; my legible signature agreeing to said contract ; and they responded they did not have to investigate frivolous claims, even with an FTC Report . This is against FCRA regulations as they are not reporting with maximum accuracy nor upholding my right to investigate whats being reported. No one is willing to speak to me at the company I can only get answers through snail mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This has become an ongoing nightmare. Ive disputed the same unauthorized XX/XX/XXXXXXXX account with Experian multiple times for nearly a year. This account was previously deleted last year, yet Experian reinserted it into my credit report without providing any notice or explanation, which is a direct violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). Despite countless disputes, I continue to receive the same generic responses : verified, remains, pendingbut never any actual proof, documentation, or explanation of how this account was allegedly verified. This is not a reinvestigation. This is willful noncompliance with federal law. What makes this more outrageous is that Experian is the only bureau still reporting this accountXX/XX/XXXXXXXX and XX/XX/XXXXdeleted it and have never reinserted it. Why is Experian the only one refusing to comply with the law?

On top of that, Experian continues to report an outdated addressXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX,XX/XX/XXXXXXXXwhich no longer reflects my identity or residency. This must be permanently deleted. My only valid and current address is XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX, and my report must be updated to reflect this immediately. Experians repeated failure to ensure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ), report only with permissible purpose ( 15 U.S.C. 1681b ), and conduct a lawful reinvestigation ( 15 U.S.C. 1681i ( a ) ) is unacceptable and harmful. I am suffering emotionally and financially because of this false, damaging reporting.

I am urging the CFPB to intervene immediately. I demand the permanent deletion of this fraudulent account, removal of all outdated addresses, a full written explanation from Experian regarding this reinsertion and so-called verification, and enforcement action for these repeated FCRA violations . Enough is enough.

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 2025-04-23 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: TX

Complaint narrative:
Pursuant to the provisions outlined in 15 U.S.C. 1666b, payments received by creditors must be promptly credited and reported accurately. I hereby dispute the erroneous reporting of late payments on the following accounts :XX/XX/XXXXaccount opened at XXXX XXXX on XX/XX/XXXXXX/XX/XXXX account opened at XXXX XXXX XXXX on XX/XX/XXXX XX/XX/XXXX account opened at XXXX XXXX on XX/XX/XXXXXX/XX/XXXX account opened at XXXX XXXX XXXX on XX/XX/XXXX, as my payments were submitted timely.

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 2025-04-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I am writing due to Zelle 's management of disputes, especially as the recent CFPB lawsuit highlighting significant issues with the platform. Ive used Zelle numerous times and have reported discrepancies and things i found were issues in regard to the transactions with my financial institution and Zelle failed to investigate my claims adequately. They said that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. Also Ive used different apps that allow you to virtually send money and they have protocols and methods to prevent this issue from happening. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: NJ

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-04-23 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: Nelnet, Inc.
State: MA

Complaint narrative:
Hi, I was never informed that my loans were out of forbearance not only from the environment administration but also from me being in school. I was not receiving emails or phone numbers or even physical mail, but it was time to start paying my loans. My loan provider never updated me and then waited 90 days to report to my credit bureau that I wasnt paying that. The monthly payment they were requesting was only {$39.00} and I was completely unaware of that. Then my credit score dropped over XXXX points. And thats when I was updated by my credit bureau that I was laid on my loan payments. When I contacted the loan bureau, they said that they had transferred my loan over to somebody else and that there is nothing that they could do they have ruined my credit And havent even contacted me or let me know that I was late on payments. I know that is my responsibility to pay back my private student log but I think what they are doing is in moral by taking my credit score over XXXX points which puts me in a negative position for taking out potential loan to further education, or even getting an apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: MI

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-04-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Submitted STATUS Submitted to the CFPB on XX/XX/year>2025 PRODUCT Debt collection ISSUE Written notification about debt We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT {$2000.00} showed as charged off never presented a 1099 c which the company used on business tax which is fraud section 15 us code 1681 ( c ) please remove also this debt is more than a 7 years old company falsely updated to stay on my credit report please validate original debt please remove from all three Crecit reports ATTACHMENTS XXXX ( XXXX KB ) XXXX ( XXXX KB ) View full complaint Sent to company STATUS Sent to company on XX/XX/year>2025 We've sent your complaint to the company, and we will let you know when they respond. 

Their response should include the steps they took, or will take, to address your complaint. 

Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. 

Company responded XXXX XXXX responded on XX/XX/year> RESPONSE TYPE Closed with explanation Company 's Response Thank you for bringing this matter to our attention. Based on XXXX XXXX complaint we have identified a XXXX XXXX debt under their name, XXXX Reference # XXXX. To resolve this matter, we have terminated collection efforts. If reporting, we will request the credit bureaus to delete our tradeline. Please allow 30-60 days for the credit bureaus to update their records. We appreciate the opportunity to respond. 
Feedback requested STATUS Feedback requested on XX/XX/year>2025 FEEDBACK DUE XX/XX/year>2025 Provide feedback about the companys response We welcome your feedback on how the company responded to your complaint. You will have 60 days from when the company responded to share your feedback. The CFPB will share your feedback responses with the company and use the information to help the CFPBs work with consumer complaints.

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 2025-04-23 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: CA

Complaint narrative:
I am having late payments reporting on my credit report from XXXX but I dont know what that is or have any business with them.

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 2025-04-23 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: NJ

Complaint narrative:
I attempted to open a secured credit card with XXXX XXXX, They took my deposit and told me.There was no problem opening the account.The subsequently told me there was a lot of problems and I had to provide multiple different documents. I provided the documents they asked for and they continued to ask for more documents after a while.I said never mind.I don't want the account.and I would like a refund of my Security.

Deposit. They told me if I did that.Then they would report me as a closed account to the credit bureau 's and it would hurt my credit. I received the card shortly after that and cut the card up without activating it. I believe since the Card was never activated by me and they froze the account the account was never active or opened.

So I don't feel it should be on my credit report as a closed account because.

the card was never activated and they never allowed me to use the card. They subsequently held my money until the non-existent, billing statement passed for card that wasn't activated or used in any way shape or form. And I only got my money back after complaining to the 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 2025-04-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: MI

Complaint narrative:
As part of this validation request, I also dispute the accuracy of this debt being reported on my credit report. If you can not provide sufficient documentation to validate the debt, I request that you remove this entry from my credit report and notify the credit bureaus accordingly. '' Amount : {$2400.00} Account number : XXXX

Company response to consumer: Closed with explanation