vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
I am reporting a systemic billing error and a violation of Regulation Z ( 12 CFR 1026.10 ) by Synchrony Bank. I opened my account in XXXX and enrolled in Autopay. In XXXX, the bank underwent a platform migration. Since that migration, the bank has continued to successfully withdraw my monthly payments via ACH from my linked bank account. However, they are failing to credit the payments as of the 'Date of Receipt ' required by federal law. 

Although the bank is initiating the 'pull ' on my due date, they are charging me late fees because the payment 'posts ' a few days later. I have provided the bank with the ACH Trace ID ( included in my attached screenshots ) which proves they are the ones who initiated the transfer. Despite this, their staff incorrectly claims these are third-party payments and refuses to perform a payment research request. I am requesting a full refund of all late fees and interest charged in error since 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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2025-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
According to FCRA section 611, XXXXXXXX XXXX have not resolved the issue. They have not provided the proper documentation and contracts with my said original promissory note with their business. Please provided the original documentation of the agreement and promissory note I've signed with XXXX XXXX as I've been requesting. My credit has been severely damaged due to this incorrect reporting I have not received notices from this company.

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 2025-12-23 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: IL

Complaint narrative:
According to FCRA section 611, XXXX XXXX have not resolved the issue. They have not provided the proper documentation and contracts with my said original promissory note with their business. Please provided the original documentation of the agreement and promissory note I've signed with XXXX XXXX as I've been requesting. My credit has been severely damaged due to this incorrect reporting I have not received notices from this company.

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: CA

Complaint narrative:
The absence of any verifiable documentation to confirm the accuracy of this information, along with the reporting of data that has not been properly substantiated, constitutes a direct violation of the requirements set forth under 15 USC 1681i ( 7 ). This failure to comply with statutory obligations is not only concerning but also highly disappointing, given the importance of maintaining accuracy and following federal guidelines.

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 2025-12-23 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: TX

Complaint narrative:
I have no obligation or relationship with this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: RI

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. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX BANK XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-12-23 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: AL

Complaint narrative:
Charged-Off / Collection / Public Record Accounts in Dispute I dispute the following accounts as reported on my Experian credit report : Bankruptcy Case # XXXX Reported XX/XX/XXXX National Credit Systems Acct XX/XX/XXXX Balance {$1000.00} Spring Oaks XXXX XXXX Acct XXXX XXXX * XX/XX/XXXXBalance {$640.00} XXXX XXXX XXXX Acct XXXX XXXXXX/XX/XXXX Balance {$630.00} Guardian Credit XXXX Acct XXXXXX/XX/XXXX Balance {$270.00XX/XX/XXXXBalance {$0.00} XXXX XXXX XXXX Acct XX/XX/XXXXBalance {$0.00} XX/XX/XXXX Balance {$0.00}XX/XX/XXXX * Balance {$110.00}XX/XX/XXXX Acct XXXX XXXXXX/XX/XXXX Several of these accounts appear duplicated, inconsistently reported, or inaccurately reflected following closure or bankruptcy. I am requesting Experian verify ownership, balances, dates of first delinquency, and legal reporting status. Any account that can not be fully verified must be corrected or deleted. 

Inquiries in Dispute I dispute the following inquiries and request proof of authorization : XXXXXX/XX/XXXXXX/XX/XXXX Late Payments in Dispute I dispute the late payment reporting on :XX/XX/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 2025-12-23 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: IL

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts : XXXX Account Number : XXXX Account Date : XX/XX/2017 Balance : {$0.00} Inquiries : No inquiries listed for TransUnion. 

Late Payments : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : 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 2025-12-23 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: TX

Complaint narrative:
The referenced accounts are not mine and must be removed within 15 days pursuant to USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: FL

Complaint narrative:
As per 15usc 1611 Experian XXXX  and XXXX  is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. XXXX XXXX XXXX XXXX Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency

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 2025-12-23 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: IA

Complaint narrative:
I am a verified victim of identity theft. I submitted an FTC Identity Theft Report and proper identification to XXXX  requesting a block and removal of fraudulent accounts under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ).

Despite providing the required documentation, XXXX  has failed to block and remove information resulting from identity theft as required by federal law. I am requesting that the CFPB require XXXX  to comply with FCRA 605B and provide written confirmation of the block and removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2025-12-23 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: IL

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-12-23 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: IL

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
Money was mistakenly transfered into one of my accounts I have with USAA. The same day as the transfer I contacted them to let them know this was a mistake and I would like my account to go back to the original amount that was stated of XXXX. I am in a active bankruptcy and the amount of XXXX is listed on my paperwork. They did the dispute but only one was done after contacting them more than once that two transactions should be reversed one for XXXX and the other for XXXX. After contacting them multiple times another agent finally got it correct. I waited and was being patient with them. The other party got a notice that they closed the case and they did not get their money back, I called USAA and ask why this is. An agent told me that they found me liable and that I authorized this. How can I authorize something when I did not do the transfer and I told them I did not authorize this. Now they are saying im on the hook for the XXXX that was transfered in. This is ridiculous and frankly should be illegal. I did not authorize any money to go into my account and the other person should have received their loney back.

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 2025-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
PayPal was offering a XXXX % cash back offer through their app for XXXX. 

I completed this order, and now paypal is refusing to honor the offer without even providing any sort of real reason. 

Transaction ID : XXXX Invoice ID : XXXX There's nothing really more to say. There's nothing unscrupulous going on here. 

Social media is filled with paypal honoring VERY few of these requests. 

XXXX XXXX XXXX People are giving up because they're unwilling to fight with paypal. This is NOT acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: SC

Complaint narrative:
As a result of a recent data breach, my personal identifying information was compromised and used without my authorization. Consequently, unauthorized accounts, unfamiliar credit inquiries, and incorrect late payment records have appeared on my credit reportnone of which I opened, approved, or recognize. 

Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am formally requesting a full reinvestigation of these accounts and inquiries. I ask that any information found to be inaccurate, unverifiable, or fraudulent be permanently deleted from my credit file. Enclosed is supporting documentation, including an Identity Theft Report, to aid in your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Relevant to XXXX XXXX, and similar tradelines : Reporting a debt without proof of lawful assignment Collecting or reporting after sale to another lender without identifying the current creditor Reporting balances when the obligation is void or unenforceable under XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX I see : Different balances and legal statuses across bureaus Charge-offs reported as ongoing monthly delinquencies Accounts marked not disputed while actively disputed elsewhere XXXX XXXXXXXX accounts inconsistently reported Accounts reporting verification dates after disputes without material changes XXXX balance accounts still coded as collection/charge-off

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 2025-12-23 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: CITIBANK, N.A.
State: GA

Complaint narrative:
Relevant to XXXX, THD/CBNA, and similar tradelines : Reporting a debt without proof of lawful assignment Collecting or reporting after sale to another lender without identifying the current creditor Reporting balances when the obligation is void or unenforceable under XXXX. 
XXXX XXXX XXXX, XXXX, THD/CBNA, and XXXX I see : Different balances and legal statuses across bureaus Charge-offs reported as ongoing monthly delinquencies Accounts marked not disputed while actively disputed elsewhere XXXX  XXXX accounts inconsistently reported Accounts reporting verification dates after disputes without material changes XXXX balance accounts still coded as collection/charge-off

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