vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
This company has planted a collections account on my XXXX  report that I know nothing about. When I try to dispute it, they say they can not locate the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: LEXISNEXIS
State: CA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: DC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX & XXXX XXXX  - Balance : {$94.00} - Account # : As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXK, XXXX XXXX XXXX, XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

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 2025-04-03 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: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
I am filing this complaint regarding multiple hard inquiries that were added to my credit report without my authorization or a permissible purpose. 

I never applied for credit or authorized these companies to access my credit file. I submitted disputes to the credit bureaus and requested verification from the furnishers involved, asking for documentation proving my consent or a valid business reason. None of the companies responded or provided proof of authorization. 

Under the Fair Credit Reporting Act ( FCRA ), inquiries require a permissible purpose ( 15 U.S.C. 1681b ), and unauthorized access is a violation of my rights. These inquiries were not initiated by me and continue to negatively affect my credit profile.

I am demanding full deletion of all unauthorized inquiries from my credit report due to lack of verification, no documented consent, and violation of FCRA standards. These are harming my credit score and financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I am filing this complaint regarding multiple hard inquiries that were added to my credit report without my authorization or a permissible purpose. 

I never applied for credit or authorized these companies to access my credit file. I submitted disputes to the credit bureaus and requested verification from the furnishers involved, asking for documentation proving my consent or a valid business reason. None of the companies responded or provided proof of authorization. 
Under the Fair Credit Reporting Act ( FCRA ), inquiries require a permissible purpose ( 15 U.S.C. 1681b ), and unauthorized access is a violation of my rights. These inquiries were not initiated by me and continue to negatively affect my credit profile.

I am demanding full deletion of all unauthorized inquiries from my credit report due to lack of verification, no documented consent, and violation of FCRA standards. These are harming my credit score and financial opportunities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: MA

Complaint narrative:
In XX/XX/XXXX, I became aware that multiple accounts had been opened in my name without my consent. 
The accounts in question are : XXXX XXXX Account opened on XX/XX/XXXX XXXX XXXX Account opened on XX/XX/XXXX First XXXX Bank Account opened on XX/XX/XXXX XXXX XXXX Account opened on XX/XX/XXXX XXXX Bank Account opened on XX/XX/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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Oliphant United, Inc.
State: HI

Complaint narrative:
Previous CFBP Complaint ( Reference Only ) : # XXXX Complaint Summary : I am filing this new complaint because a debt collector, Oliphant U.S.A. , LLC, is reporting a collection account on my XXXX credit report in the amount of {$23000.00}, listing WebBank/Lending Club as the original creditor. This account is inaccurate, unverified, and has been disputed multiple times.

Key Issues : 1.Failure to Validate the Debt Under FDCPA : I have not received a formal debt validation notice from Oliphant within the specified time, as required by 15 U.S.C. 1692g ( a ). 
I requested validation through my recent CFPB complaint ( XXXX ), and while Oliphant responded that a package would be sent, I have not yet received any documents or proof to date.

As of this filing, I have not received : A signed agreement or contract A payment history Proof of chain of title Charge-off details or verification of the debts legitimacy 2.The Original Creditor Can not Verify the Debt : I contacted Lending Club directly via phone. They responded that : The account was sold to Oliphant on XX/XX/XXXX They can no longer provide any documentation, including payment history or charge-off records This raises a serious concern that no party currently has records to verify this debt yet it continues to be reported. 
XXXX.Inaccurate and Inconsistent Credit Reporting ( FCRA Violations ) : The account has no payment history listed It has shown an irregular reporting pattern : FXX/XX/XXXX : Appears on XXXX only XX/XX/XXXX : Appears on both XXXX and XXXX XX/XX/XXXX : Only appears on XXXX These reporting inconsistencies strongly suggest data integrity issues and possible debt parking practices.

4.Ongoing Harm : This unverifiable debt is affecting my background investigation for employment and professional licensing. 
Despite my efforts to resolve this amicably, I am left with an account that can not be validated, but is still being reported and used against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: LEXISNEXIS
State: TX

Complaint narrative:
XXXX, XXXX, and XXXX has bankruptcies on my credit report. Per the bankruptcy court they do not report to agencies nor bureaus. I have requested that this be removed from my credit report. As of today, LexisNexus, XXXX, XXXX, and XXXX  ( prior to going offline ) are locked. 

I have completed disputes with the statement below and this has not been resolved. : Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681, you are required to only report 100 % accurate and verifiable information. Since the courts have confirmed they do not report bankruptcies, I demand the immediate removal of this inaccurate information from my credit report. 
Additionally, I have placed a security freeze on now closed XXXX, XXXX, LexisNexis and XXXX, which are third-party agencies that may have provided unverified data. If your source of verification can not be confirmed by an official court document directly from the bankruptcy court itself, this item must be deleted. If this is not resolved in 30 days, I will be filing a complaint with CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: TX

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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

Complaint narrative:
I am writing once again to follow up on my previous disputes regarding the inaccuracies in my personal information appearing on my credit report. My initial dispute letter was sent on XX/XX/XXXX, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. Additionally, I sent a follow-up letter on XX/XX/XXXX, but I still have not received a response. To reiterate, my correct and up-to-date personal information is : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Social Security XXXX : XXXX Date of Birth : XX/XX/XXXX In my initial dispute, I provided supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to validate my identity and substantiate my claim. However, the inaccurate addresses remain on my credit report, which is unacceptable.

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputes and correct any inaccurate information within the mandated timeframe. Your continued failure to address this matter not only violates my rights but also raises concerns regarding compliance with federal law.

I am formally requesting the following actions : Immediate removal of the erroneous addresses from my credit report.

An updated credit report reflecting the corrected information.

Written confirmation of the actions taken to resolve this dispute. 

If I do not receive a satisfactory response within 10 days of receipt of this letter, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 

XXXX XXXX XXXX, XXXX, NY, 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 2025-04-03 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I believe I have been unfairly penalized and am requesting the removal of the total balance of {$520.00}, which consists of : XXXX interest : {$430.00} XXXX late fee : {$41.00} XXXX interest : {$40.00} XXXX interest : XXXX Summary of the Issue : On XX/XX/XXXX, I spoke with a manager who advised me that I had until a specific date to pay my past-due balance of {$1400.00} for the interest to be waived. During this call, I was also assured that the XXXX late fee had been waived and that a note had been added to my account regarding my financial hardship and the impact of the California wildfires, ensuring I would not incur a XXXX late fee and additional interest. 

On XX/XX/XXXX, I called Synchronys customer support to confirm my payment deadline. I specifically asked the representative multiple times whether XX/XX/XXXX was the final deadline or if I had until another date. I was explicitly told that I had until XX/XX/XXXX to make my payment and was reassured that " tomorrow '' ( the XXXX ) was my deadline. Based on this information, I made the necessary arrangements to submit my {$1400.00} payment on XX/XX/XXXX, as advised. 

However, when I called on XX/XX/XXXX to submit my payment, I was then told that the deadline for avoiding interest and fees was actually XX/XX/XXXX, contradicting the information given to me the previous day. Due to this misinformation, my account now reflects a balance of {$520.00}, which I should not be responsible for, as I relied on the guidance provided by your agents in good faith. 

This process has been misleading, stressful, and lacking in clarity and professionalism, as I am repeatedly told different amounts and that the interest would be waived one day and that it wouldn't be the next day. I am not accepting anything less than fair treatment and expect Synchrony Bank to honor the information provided by its own representatives. 

I sent a dispute letter via certified mail with return receipt to ensure proper documentation and didn't receive proper communication back from 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 monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have an agency by the name of Portfolio recovery & XXXX  XXXX & XXXX XXXX on my credit I filed a dispute in XXXX to ensure verification and accuracys. They are violating 1681s-2 ( b ) ( 1 ) ( c ) by stating dispute is resolved is misleading and is also a violation 15 U.S.C 1681s- ( 2 ) ( 1 ) ( a ). 15 U.S.C 1681n ( 1 ) ( A ) civil damages of willfully non compliance will result in monetary damages. Capital one date of last activity is inaccurate. Portfolio Rc is in violation of 1681s-2 ( 5 ) ( A ) & 1681c Date of last activity they are attempted to re-age debts see XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX. XXXX ) ( XXXX XXXX allegedly purchased old debts and changed the date of last activity [ to gain ] leverage to collect obsolete debts ). The ftc has taken action against debt collectors for re-aging debts. See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ). They are violating 1681s-2 ( A ) ( 1 ) ( A ) defining accuracy as information that the furnished knows or has reasonable cause to believe is inaccurate XXXX XXXX account number # XXXX Portfolio # XXXX XXXX XXXX  # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: MA

Complaint narrative:
I opened a Chime checking account through XXXX, which advertised a {$300.00} cashback reward for signing up and completing a qualifying direct deposit. I followed all instructions exactly, including setting up direct deposit and waiting the required time, but the reward never posted to my XXXX account. 

I contacted XXXX, and they told me they are unable to submit missing cashback claims for this offer. They stated that the decision lies with the retailerChimeand that they could not help further. 

I then contacted Chime directly, and they told me that XXXX is the one who made the promotion and that the bonus does not come from Chime. They advised me to deal directly with XXXX. 

This leaves me stuck between both companies, with neither taking responsibility. After reviewing recent complaints and reviews, it appears that many users are experiencing this exact issue, suggesting a pattern of misleading promotional activity. 

I am requesting that this issue be reviewed as a case of deceptive marketing, and that I be granted the {$300.00} I was promised, as I fulfilled all the requirements in good faith. I have documentation of the offer, my account setup, and communication with both parties and am happy to provide it.

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

Complaint narrative:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any XXXX XXXX XXXX ( g ) [ 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 2025-04-03 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: AL

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