vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 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: CA

Complaint narrative:
I kindly request that you investigate this matter and update my account to reflect accurate payment history. Attached, I have included copies of supporting documents, such as bank statements, payment confirmation receipts, and any correspondence relevant to this dispute. 

XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX Under the Fair Credit Reporting Act ( FCRA ), I request that you correct this inaccuracy and provide confirmation in writing once the correction has been made. If the late payment entry was reported to credit bureaus, I ask that you notify them of the correction as well.

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 2025-03-21 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: IL

Complaint narrative:
FCRA Section 605 ( 15 U.S.C 1681c-2 ) addresses identity theft and requires consumer reporting agencies to block the reporting of information identified as resulting from an alleged identity theft within four business days of receiving proof of identity, an identity theft report and a consumer statement. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX Balance {$14000.00}

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 2025-03-21 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: PA

Complaint narrative:
XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : * XXXX XXXX XXXX - XX/XX/XXXX {$920.00} * XXXX XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX {$2200.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX {$680.00} * XXXX XXXX - XX/XX/XXXX - {$370.00} * XXXX XXXX  XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Property Receivables, Corp
State: AZ

Complaint narrative:
I never knew I owed this money to an apartment complex. It was only on my sisters name so I dont understand why its on my name and they never told me I that I was on the lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I got a bill from Synchrony Bank/Amazon in XX/XX/XXXX, with a charge dated in XXXX. I had previously had an auto-ship that I cancelled by computer for the same item description and price. 

I did not ask for this credit and I did not receive a card for this unauthorized account, just a bill. 

I have made several calls to Amazon and they tell me that the account number XXXX does not show that I have purchased that item for that price. They found my old account upon the last call and asked them to stop shipping it to my old address and re-cancel the auto-ship that I was not receiving and that I thought had been cancelled. They said they could not help me. 

It appears to me that when I cancelled the credit card I had been paying Amazon with ( XXXX XXXX ) they decided to open an account with their in-house bank Synchrony. 

XXXXmazon and Synchrony are running me in circles over {$19.00} for a product I don't receive and I tried and thought was cancelled in XXXX of XXXX. I am XXXX XXXX XXXX and a widow having a hard time financially and that small amount feeds me for 2 to 3 days. 

The bill says my account number is XXXX I thought that opening an account without permission of the consumer ( XXXX XXXX XXXX ) was illegal, but Amazon and Synchrony Bank appear to have done just that and will do nothing to cancel the account or the old processing of a product I don't want and I do not receive. 

I don't know how to attach documents to this or you would get a copy of the bill. 

Please help me. 

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 monetary relief
Consumer complaint received 2025-03-20 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: NJ

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. I want this unauthorized inquiries account blocked from my credit report within 5BD

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 2025-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DailyPay, Inc
State: CA

Complaint narrative:
On XXXX, I filed a dispute with my current bank, DailyPay. This dispute was in regards to an unauthorized scam charge to my account in the amount of {$980.00} on XXXX When I went to check if an important check was deposited to my account, I noticed that there was a charge from " XXXX XXXX '' in which I did NOT authorize, nor did I authorize anyone else to make said purchase. As soon as I noticed this, I called DailyPay to report the fraud. They promised me that within ten days of the investigation I would be receiving a provisional credit. Instead, despite attaching clear proof and filling out all necessary forms, my dispute was IMMEDIATELY denied. Words can not describe the absolute outrage that I am currently feeling with DailyPay. As a customer, the way their customer service handles serious issues is a joke! I requested for my dispute to be reconsidered, and they DENIED it AGAIN. I am hoping and praying very hard that this complaint will encourage them to do the right thing on my behalf, as a loyal customer for years!! I am panicked and heartbroken,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Zions Debt Holdings
State: TN

Complaint narrative:
Unfortunately I dont have exact dates as this debt is over 3 years old and is just now showing on my credit report. In roughly 2021 XXXX XXXX took over XXXX home security. I had XXXX for years and went with the company suggested. I had the new equipment installed and never signed a contract. After a few months, I called to cancel the service and thats when the Rep for XXXX stated I had a 3 year contract. I asked for said contract in writing, which I never received. I continually sent notices and requests to XXXX to cancel my service. Now years later I have this negative file on my XXXX account from Zions Debt Collection for {$1200.00}. I have never had a negative file or late payment on my credit report in over 30 plus years. I have requested a signed contract from Zions, which I still havent received. This is a false claim from a company purchasing a debt 3 years old and that was never owed.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have had a Venmo ( Synchrony ), Visa card for for a minimum of 4 years, never a late payment! Six months ago my checking account was compromised, this account was connected to my Venmo account so I could pay my monthly statement. Now, I had to connect my new checking account to Venmo to keep current on paying my credit card bill. Seems easy enough right? ( This is where the disaster starts! ). Venmo uses a system called PLAID, do not trust it!! I put in my new checking account number, it finds your bank, you click yes once it finds your bank, and it is SUPPOSED to do everything else, find your routing number, etc. As far as I could tell, all was good. 
I made my monthly payment to my Venmo Visa after all was hooked up... .I received an email telling me it was good, then 24 hours later, another email said the payment was returned!! HUH? To shorten the story, this happened 5 times! Finally, I talked with one representative, never forget him, XXXX, who went in the system manually and said that their " XXXX '' system was putting my routing number through incorrectly!!! So, with my permission, he sent a small XXXX deposit and XXXX cent withdraw to my bank, everything worked perfectly!!! Out of nowhere, I get a letter saying my Venmo Visa Account has been closed because of returned payments!!! I call Venmo and explain to them that the reason for the returned payments was do to their " XXXX '' system putting in my routing number incorrectly, plus this had put a ding on all the credit reporting systems! They said they understood and would review it and get back to me in 30 days. The answer was the same, and the only thing I could do was pay off the balance, then re-apply for a new cedit card, I told the agent, all that would do is put another ding on my credit report! This is totally unfair to anybody who is dealing with them. Plus I have 5 other Synchrony ( XXXX XXXX ) Credit Cards in perfect standing. I do not suggest that you apply for a Venmo card, and if you do, input all your info manually!!! They will mess up your credit through their XXXX system!!

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 2025-03-20 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated.

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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint against XXXX and Experian for reporting inaccurate late payments on my credit file despite repeated disputes and proof that the information is incorrect. 

What Happened? 
I have been disputing XXXX inaccurate late payments with both XXXX and Experian for months regarding the following accounts : XXXX XXXX ( Auto Loan ) Closed/Paid Off American XXXX Finance XXXX XXXX Loan ) Closed/Paid Off XXXX has already investigated XXXX disputes and removed the late payments, correctly reporting both accounts as paid as agreed with no late payments. However, XXXX and Experian continue to inaccurately report these accounts as having late payments, despite the clear evidence proving otherwise. 

I have submitted multiple disputes to both credit bureaus, providing the necessary documentation, yet they refuse to correct my report. This has negatively impacted my XXXX XXXX and financial opportunities, even though both auto loans were paid off in full and never late. 

Actions Taken by Me : I disputed the inaccurate late payments with XXXX and Experian multiple times. 
I provided them with proof from XXXX showing that these accounts should be reported as on time with no late payments. 
I requested that they update my credit report to match the correct reporting by XXXX, but they have failed to do so. 
XXXX Requested from CFPB : I am requesting that XXXX and Experian be required to correct my credit report immediately by removing the inaccurate late payments, just as XXXX has already done. I am also requesting that they provide a valid explanation as to why they continue to report incorrect information despite clear evidence. 

This issue has caused unnecessary damage to my credit profile, and I seek urgent intervention to ensure fair and accurate reporting. 

I appreciate your assistance in resolving this matter as soon as possible.

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 2025-03-21 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: AZ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-21 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: NY

Complaint narrative:
Complaint Against Experian for FCRA Violations I am submitting a complaint against Experian for failing to properly investigate and correct inaccurate information on my credit report, despite multiple disputes. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ), Experian must verify disputed information within 30 days. However, they have failed to provide proper verification or remove unverified items. 

Disputed Accounts and Issues : XXXX Credit Card Account Number : XXXX Issue : This account is reporting negative payment history. I dispute this negative reporting. Experian has not provided full payment history records or proof of these late payments. 

XXXX XXXX XXXX XXXX Credit Card Account XXXX : XXXX Issue : This account is incorrectly reporting a balance of {$13000.00} and negative payment history. No valid proof of delinquency has been provided. 
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Issue : Experian is incorrectly reporting two late payments. However, on my XXXX report, there are XXXX late payments. This discrepancy shows that Experian is not ensuring data accuracy. 
FCRA Violations by Experian : Failure to Verify Information Properly ( 1681i ( a ) ( 6 ) ( B ) ) : Experian has not provided supporting documentation proving the accuracy of these accounts.

Failure to Maintain Accurate Reporting ( 1681e ( b ) ) : These
accounts contain discrepancies between different credit bureaus, proving that Experian is failing to ensure fair and accurate reporting.

Failure to Remove Unverifiable Information ( 1681i ( a ) ( 5 ) ) : Experian continues to report inaccurate information without proper verification.

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 2025-03-20 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: FL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

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 2025-03-20 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: IL

Complaint narrative:
15 USC 1681 Law Requires information to be reported Accurate and Complete according to the FCRA.

The Accounts listed are all inaccurate and unauthorized accounts which are a violation of my consumer 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 non-monetary relief
Consumer complaint received 2025-03-21 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: SC

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND WAS SHOCKED TO FIND I HAD BEEN THE VICTIM OF IDENTITY THEFT. I DO NOT RECOGNIZE THESE ACCOUNTS, PLEASE REMOVE THEM FROM MY CREDIT REPORT THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT. ACCOUNTS IN QUESTION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance : {$310.00} | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance : {$790.00}

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 2025-03-21 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: SC

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND WAS SHOCKED TO FIND I HAD BEEN THE VICTIM OF IDENTITY THEFT. I DO NOT RECOGNIZE THESE ACCOUNTS, PLEASE REMOVE THEM FROM MY CREDIT REPORT THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT. ACCOUNTS IN QUESTION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance : {$310.00} | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance : {$790.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: CA

Complaint narrative:
I've noticed that my credit report contains incorrect personal information, which has caused this unknown, inaccurate and fraudulent account to appear. Unfortunately, I have been a victim of identity theft. My information was used without my authorization, resulting in a fraudulent item on my report that I have no connection to. Following XXXX 's guidance, I promptly filed a report with the Federal Trade Commission ( FTC ) and submitted it for review. Despite this, the fraudulent item remains on my credit report.

Company response to consumer: Closed with non-monetary relief