vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX XXXX | Experian | TransUnion Subject : URGENT DISPUTE UNAUTHORIZED REPORTING OF REMOVED AUTHORIZED USER ACCOUNT ( XXXX XXXX Account ) Dear Credit Bureau, I am demanding the immediate deletion of the following XXXX XXXX ( XXXX ) authorized user ( XXXX ) account from my credit report : Creditor : XXXX XXXX Account Type : Authorized User Reported Balance : {$4100.00} Credit Limit : {$8100.00} Status : Removed by primary cardholder on [ Date of Removal ] Violations & Legal Basis for Removal FCRA 605 ( a ) ( 3 ) Obsolete Information Once removed as an XXXX, the account must be deleted from my credit file. Continuing to report it violates the FCRA. 

Regulation B ( ECOA ) Prohibition on Discriminatory Reporting The Consumer Financial Protection Bureau ( CFPB ) has ruled that creditors can not hold AU accounts against consumers once removed ( CFPB Bulletin 2013-02 ).

FCRA 623 ( a ) ( 5 ) Duty to Update Information XXXX failed to update the bureaus that I was removed as an XXXX, causing inflated credit utilization and harming my credit score. 

Evidence of Removal Confirmation from XXXX ( attached ) showing I was removed as an AU on [ Date ]. 

Primary cardholders statement ( if available ) confirming the removal. 

Demands Delete the XXXX account from my credit report within 7 days. 

Correct my credit utilization ratio to reflect only accounts I am legally liable for. 

Provide written confirmation of deletion. 

Legal Consequences for Non-Compliance If this account is not removed, I will : File a CFPB complaint against your bureau and XXXX. 

Pursue legal action under FCRA 616 for willful non-compliance ( $ XXXX in damages ). 

Attachments : XXXX XXXX removal confirmation Prior dispute records ( if applicable ) *************************************************************************************************** XXXX Bank continues reporting a XXXX XXXX authorized user ( XXXX ) account on my credit report despite my removal on [ DATE ]. This account shows a {$1900.00} balance ( 67 % utilization ), severely damaging my XXXX XXXX. I have repeatedly disputed this with XXXX and the credit bureaus, but they refuse to correct it. 

This violates : Regulation B ( ECOA ) : XXXX accounts must be deleted upon removal ( CFPB XXXX XXXX ). 

FCRA 605 ( a ) ( 3 ) : Reporting obsolete information is illegal.

FCRA 623 ( a ) ( 5 ) : Furnishers must update inaccurate data.

I demand the CFPB force XXXX to : Delete this XXXX  account from all credit bureaus. 

Correct my credit utilization to exclude this debt. 

Provide written confirmation of deletion. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MD 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 2025-03-25 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX XXXX | Experian | TransUnion Subject : URGENT DISPUTE UNAUTHORIZED REPORTING OF REMOVED AUTHORIZED USER ACCOUNT ( XXXX XXXX Account ) Dear Credit Bureau, I am demanding the immediate deletion of the following XXXX XXXX ( XXXX ) authorized user ( XXXX ) account from my credit report : Creditor : XXXX XXXX Account Type : Authorized User Reported Balance : {$4100.00} Credit Limit : {$8100.00} Status : Removed by primary cardholder on [ Date of Removal ] Violations & Legal Basis for Removal FCRA 605 ( a ) ( 3 ) Obsolete Information Once removed as an XXXX, the account must be deleted from my credit file. Continuing to report it violates the FCRA. 

Regulation B ( ECOA ) Prohibition on Discriminatory Reporting The Consumer Financial Protection Bureau ( CFPB ) has ruled that creditors can not hold AU accounts against consumers once removed ( CFPB Bulletin 2013-02 ).

FCRA 623 ( a ) ( 5 ) Duty to Update Information XXXX failed to update the bureaus that I was removed as an XXXX, causing inflated credit utilization and harming my credit score. 

Evidence of Removal Confirmation from XXXX ( attached ) showing I was removed as an AU on [ Date ]. 

Primary cardholders statement ( if available ) confirming the removal. 

Demands Delete the XXXX account from my credit report within 7 days. 

Correct my credit utilization ratio to reflect only accounts I am legally liable for. 

Provide written confirmation of deletion. 

Legal Consequences for Non-Compliance If this account is not removed, I will : File a CFPB complaint against your bureau and XXXX. 

Pursue legal action under FCRA 616 for willful non-compliance ( $ XXXX in damages ). 

Attachments : XXXX XXXX removal confirmation Prior dispute records ( if applicable ) *************************************************************************************************** XXXX Bank continues reporting a XXXX XXXX authorized user ( XXXX ) account on my credit report despite my removal on [ DATE ]. This account shows a {$1900.00} balance ( 67 % utilization ), severely damaging my XXXX XXXX. I have repeatedly disputed this with XXXX and the credit bureaus, but they refuse to correct it. 

This violates : Regulation B ( ECOA ) : XXXX accounts must be deleted upon removal ( CFPB XXXX XXXX ). 

FCRA 605 ( a ) ( 3 ) : Reporting obsolete information is illegal.

FCRA 623 ( a ) ( 5 ) : Furnishers must update inaccurate data.

I demand the CFPB force XXXX to : Delete this XXXX  account from all credit bureaus. 

Correct my credit utilization to exclude this debt. 

Provide written confirmation of deletion. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Synchrony Bank and its terrible customer service have harrased and locked my XXXX XXXX card, even though the requested XXXX was updated with them, 4 times by 4 different customer service reps. These 4 customer service have never bothered to update the information that Synchrony Bank. On XX/XX/year> I spent 20 minutes with a customer service who said she would update the XXXX and remove the lock on my credit card account, that I unware was there again for the 4th time. The customer service rep did not do her job and my credit card account is locked, even the requested information was updated over the phone.

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 2025-03-25 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: NE

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of a XXXX account ( Account Number : XXXX ) on my Equifax credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), I am requesting an immediate investigation and correction of the inaccurate information. 

The following details of the XXXX account in question are incorrect and need to be verified or removed from my credit report : Balance : The reported balance of {$1100.00} is inconsistent with a charged-off account status. 

Credit Limit : The reported credit limit is {$2000.00}, with a high credit limit of {$1300.00}, which appears inconsistent. 

Available Credit : The reported available credit of {$820.00} on a charged-off account is inaccurate. 

Dates of Activity : The date reported ( XX/XX/XXXX ) appears to be a future date, which is an error. 

Date of Last Activity : No date of last activity is listed, which is necessary for accurate reporting. 

Date of First Delinquency : XX/XX/XXXX, but account is listed as closed on XX/XX/XXXX, which is contradictory. 

Past Due Amount : The reported past due amount of {$1100.00} does not align with a charged-off account status. 

This inaccurate reporting is negatively impacting my creditworthiness and causing financial hardship. As per the FCRA, I request that Equifax provide verification of this information or remove the inaccurate data from my credit file. 

Please conduct an investigation and provide a written response within 30 days of receiving this letter, as required by law. Enclosed, I have attached a copy of my credit report with the inaccurate information highlighted, as well as any supporting documentation relevant to this dispute. 

If Equifax is unable to verify the accuracy of this information, I request its immediate removal from my credit report. Additionally, please provide me with an updated copy of my credit report reflecting any corrections made. 

Thank you for your prompt attention to this matter. I appreciate your cooperation in resolving this issue. Should you require any further information, please do not hesitate to contact me at the information provided above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
Every month I make my car payment at the same time. I also pay extra so that my principle will go down a bit every time. I don't see where those funds have been allocated correctly, but now we have a whole other problem. 

Complaint Against Ally Auto Misallocation of Payment & Unjust Late Fees I am filing this complaint against Ally Auto due to their misallocation of my on-time monthly payment, failure to correct the issue in a timely manner, and unfairly marking my account as past due and in collections. 

Issue Summary : On XX/XX/year>, I made my monthly car payment on time. However, I mistakenly used the wrong payment method, and was going to eventually get rejected. I realized this, and to correct this, I promptly submitted another payment on XX/XX/year>, which was successfully processed. 

Instead of applying this payment toward my monthly due amount, Ally Auto wrongfully applied it toward principal without my consent. As a result, their system falsely marked my account as past due, even though I had already made my payment. 

Attempts to Resolve : On XX/XX/year>, I contacted Ally Auto, and they acknowledged the issue. They stated that they would submit a request to have the payment correctly reallocated, which would take 1-2 business days. 

On XX/XX/year>, I received another late notice, now stating that I was 23 days past due and that my account had been placed in collections, threatening my credit score. 

I started a web chat with an Ally agent, and they could not resolve my issue so I asked for a person on the onshore team. 

XXXX at Ally Auto stated they would submit another request for reallocation, again quoting 1-2 business daysbut they provided no guarantee that it would actually be fixed.She stated there was nothing she could do, and the only thing I could do was make a payment before my next due to date to bring it current while they're working on the re-allocation. 

Unresolved Issues & Concerns : Where is my money? My balance has not gone down, despite Ally Auto accepting my payment. Further, they've been accepting my payment every month and I still have yet to see where the extra I pay is being allocated to the principle as intended. 

Why is my account still marked past due? Their error should not result in me being reported to collections. Nor should it be inhibiting me from buying a home in the next month. 

Why am I being forced to make another payment? Ally Auto is demanding I make an additional payment before my next due date to clear my account. This feels like a fraudulent tactic to force extra payments from customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: LA

Complaint narrative:
I filed a dispute of a Medical Collection on my Credit Report, as per the new rule created by CFPB. Medical Collections should not show on credit reports these two collections dropped my score by XXXX points. I disputed the report and used the new rule as evidence. In one day Experian stated that the collection was valid and did not change my report. Experian is failing to follow rules and guidelines set forth by CFPB.

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 2025-03-25 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: NJ

Complaint narrative:
This complaint is regarding the violation of my rights under the Fair Credit Reporting Act ( FCRA ) by TransUnion. 

On XX/XX/4, I sent a letter to the courthouse inquiring whether they report bankruptcies to credit bureaus. In response, I received a letter stating : " We do not report any bankruptcies to anybody. '' If this is the case, then per FCRA 623 ( a ) ( 5 ) : " If the Credit Bureau can not validate the information with the original creditor, they must remove said information from the consumer credit file. '' Furthermore, under FCRA Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verifythrough physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public records you report. Failure to do so allows for the possibility of fraudulent or erroneous information being added to consumer credit files. 

Given these legal provisions, I demand the immediate deletion of the following unauthorized public record from my credit report : Bankruptcy Docket Number : 2413677 Violations of Federal Consumer Protection Laws : 1.- 15 U.S.C. 1681a ( 4 ) - Privacy Rights : The verification process used does not comply with the privacy protection requirements outlined in this section. My right to privacy under the FCRA has not been upheld.

2.- 15 U.S.C. 1681b ( 2 ) - Permissible Purposes : Any information used to verify the bankruptcy must be obtained for permissible purposes and through legally compliant procedures. The verification process failed to meet these standards. 

3.- 15 U.S.C. 609 ( a ) ( 1 ) ( A ) - Consumer Rights : I have the right to request the removal of inaccurate or unverifiable information from my credit report. Your response has not sufficiently addressed the inaccuracies or provided valid justification for retaining this record.

4.- 15 U.S.C. 609 ( a ) ( 2 ) - Proof of Verification : I am entitled to request proof of the verification of the bankruptcy record. The verification provided was insufficient and does not meet the legal requirements for proving its accuracy and legitimacy.

Violation of the Truth in Lending Act ( TILA ) : Under 15 U.S.C. 1601 ( TILA ), all credit information must be accurate and transparent to protect consumer rights. The failure to provide proper proof of verification and the apparent disregard for my rights under the FCRA indicate a violation of federal consumer protection laws.

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 2025-03-25 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: OH

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX . These accounts needs to be removed immediately.

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX Bank XXXX XXXX {$3200.00} Date Opened XX/XX/XXXX XXXX XXXX Bank XXXX XXXX {$450.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$970.00} XXXX XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$46.00} **ALL OF THESE ACCOUNTS LISTED BELOW ARE INACCURATE, PAST THE STATUE OF REPORTING ON CREDIT REPORTING** EVERY LAST DEPT OF XXXX NEEDS TO BE REMOVED FROM MY REPORT!! 
XXXX OF XXXX XXXX XXXX BANK XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX 2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: FL

Complaint narrative:
I requested for some information to proved that I authorized these companies to use my information to open these account or to be removed from my credit report because I did not authorized these companies and was not aware of my information being used. The information listed below : XXXX XXXXXXXX XXXX {$77.00} XX/XX/XXXX XXXX XXXX XXXX {$150.00} XX/XX/XXXX XXXX XXXX XXXX {$4200.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I sent in a demand letter for all inaccurate information to be removed or less there were proof of me using these accounts, and not proof was sent about either accounts mentioned. I did received a letter of credit accounts but not letter of proof why information was not deleted.

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 2025-03-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I requested for some information to proved that I authorized these companies to use my information to open these account or to be removed from my credit report because I did not authorized these companies and was not aware of my information being used. The information listed below : XXXX XXXXXXXX XXXX {$77.00} XX/XX/XXXX XXXX XXXX XXXX {$150.00} XX/XX/XXXX XXXX XXXX XXXX {$4200.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I sent in a demand letter for all inaccurate information to be removed or less there were proof of me using these accounts, and not proof was sent about either accounts mentioned. I did received a letter of credit accounts but not letter of proof why information was not deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/2025 or XX/XX/2025 Cash App sent {$100.00} to another Cash App user in my contact list. I keep asking them to return my money. The first time was XX/XX/2025 when I discovered this happened while scrolling to check something else in my account history. They are giving me the run around and I have not gotten my money back yet, and it makes me think they are stealing my money. It sounds like I am just talking to bots when I need help. No one is helpful. And that response they gave you, I don't know what that is about. You should be ashamed for allowing them to put that response. It had nothing to do with my complaint. Cash App is a scam and they need to return my money back immediately. I never intended for {$100.00} to go to this person. Cash App is always telling you to request a refund. I did, and the person had a nerve to deny the refund request too like I suppose to pay him something. I didn't even send the money and most people won't return it. Some glitch sent it, so they need to return my money back immediately. That's why people think Cash App is a scam. Your money is not safe even though they are supposed to protect it. They keep making me dispute it and then saying I will have to wait another 10 days for review after I dispute it as told to me. The customer service sucks too. I don't like dealing with companies with bad customer service.

Company response to consumer: Closed with explanation