vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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: NY

Complaint narrative:
This complaint serves as a formal demand for compliance with the Fair Credit Reporting Act ( FCRA ) regarding the handling of my credit report. I have requested this account listed below to removed from my credit report due to identity theft. This is my several attempt to resolve this matter. The previous letters have come with XXXX compliance. Your failure to provide verifiable proof and your reliance on generic, non-substantive responses violate federal law and my consumer rights. I will not tolerate these deliberate evasions. 

Despite my repeated disputes, your agency has failed to provide legally required documentation proving the validity of the reported information. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), upon receiving a dispute, you are legally required to conduct a meaningful investigation and provide substantive evidence verifying the accuracy of the disputed account. Your boilerplate responses do not meet this legal standard, and your continued negligence constitutes a blatant violation of federal law.

Furthermore, under 15 U.S. Code 1681e ( b ), you are required to maintain maximum possible accuracy in consumer credit reports. Your continued reporting of unverified and inaccurate information, despite my multiple disputes, demonstrates reckless disregard for the law and my rights. You have 30 days from the date of this letter to provide the following : 1. Actual verification of the disputed account, including original documentation from the data furnisher proving the validity of the debtnot generic statements from the creditor or data furnisher.

2. A detailed explanation of the investigation conducted, including the specific steps taken to verify the accuracy of the information.

3. The names, contact information, and job titles of the individuals who handled my dispute.

4. A statement confirming removal of any information that can not be fully verified as per 15 U.S. Code 1681i ( a ) ( 5 ).

Failure to comply will result in immediate legal action. I am fully prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will explore all legal avenues, including but not limited to, filing a lawsuit for willful noncompliance under 15 U.S. Code 1681n, which entitles me to statutory damages, punitive damages, attorney fees, and costs.

This account do not belong to me, as they are fraudulent. The banks have agreed to remove this account from my records. Im confused why you still feel theyre reporting accurately. Please see this account is fully investigated and VERIFIABLE PROOF IS FORWARED TO ME. 

XXXX XXXXXXXX XXXX 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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX XXXX  it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Media Collections, Inc
State: MI

Complaint narrative:
This is regarding XXXX XXXX rental. I rented a car that was returned on XX/XX/year> around XXXX am. We accidently took the keys with us for the vehicle into the airport. I began receiving calls notifying us that we had taken the keys. I was told we would be charged {$450.00} if we did not return the keys within 24 hours. I exited the airport around XXXX and got back to where we had parked our rental vehicle for return. Our car had not moved. I asked the person checking in cars where to put the keys. They stated to put them in the vehicle. I asked if they needed anything else, and they said no and that the hold on my credit card would be removed. I put the keys in the car and went back into the airport for my flight. I emailed shortly after to confirm they got the keys and the hold would be lifted. I did not receive a response. Within a few days the hold was off my credit card. A few weeks later I received a bill from XXXX for {$450.00}. I emailed XXXX multiple times explaining that the key was returned and we shouldn't be charged. I did not receive a response from them, or if I did they said they were working on it. I have now, XXXX XXXX later, received a notice from a debt collection agency. When contacting XXXX they just keep telling me to pay the collection agency, even though I am making it clear why I will not be paying it. I have requested a copy of our rental agreement as to verify why they think they should be able to charge us after returning the key to the car the same day. They have not provided that. I have requested to talk to someone at XXXX on the phone but continue to be told that I can't and all correspondence has to be over email. I have tried calling multiple XXXX numbers, all resulting in being sent to full voicemail boxes or ending in a dead end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
In XXXX, I opened a legitimate XXXX XXXX XXXX through Synchrony Bank. The account was hacked within XXXX  months. I canceled the card, and Synchrony removed the fraudulent charges. Later, I received a new card I never activated. I believed the account was closed. 

In XXXX XXXX, I was alerted by XXXX XXXX to a {$45000.00} overdue balance on the account. I immediately contacted Synchrony Bank and XXXX XXXX. A fraud case was opened on XX/XX/XXXX. On XX/XX/XXXX, I received a letter stating that the card was canceled, a fraud claim was opened, and credit bureaus were notified. 

Despite being told the case was found in my favor on XX/XX/XXXX, I continued to receive bills. XXXX fraudulent payments totaling ~ {$15000.00} had been made and bounced. These were not mine. I explicitly told Synchrony multiple times to close the account. Yet I received another card on XX/XX/XXXX. 

I have spent countless hours on the phone ( including a XXXX call on XX/XX/XXXX where I was transferred more than a dozen times ) with no resolution. Departments point fingers : Fraud says Billing must handle it, Billing says its a Fraud issue. In a XX/XX/XXXX call, an internal employee composed an email stating my account was completely fraudulent and needed to be cleared and rehabbed with the credit bureaus. I have this on record. 

As of XX/XX/XXXX, I am still receiving statements for over {$30000.00} on a fraudulent account Synchrony agrees I dont owe. Their system seems incapable of resolving fraudulent payment activity. I froze my credit in XXXX XXXX, yet my report continues to reflect this false debt and my credit rating has been severely impacted. 

I can not afford legal representation and need CFPB assistance to enforce my 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 explanation
Consumer complaint received 2025-05-21 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: MS

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: MS

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-05-21 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: LA

Complaint narrative:
I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Social Security XXXX : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes.

I kindly request the following : 1. Immediate removal of the erroneous address from my credit report.

2. An updated credit report reflecting the corrected information.

3. Written confirmation of the actions taken to resolve this dispute. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was depositing XXXX dollars in a chase ATM today on XX/XX/year> and the machine took my cash and did not credit the account. Instead gave me a receipt that said there was a problem with the ATM call customer service

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am filing this complaint because my credit file contains inaccurate, outdated, and unverifiable personal information that I have formally requested to be corrected in accordance with the Fair Credit Reporting Act ( FCRA ) and the Metro 2 reporting guidelines established by the XXXX XXXX XXXX XXXX ( XXXX ). 

I submitted a written request asking the credit reporting agency to update my personal data so that my credit file only reflects the following verified and accurate identifiers : Correct Personal Information to Report : Full Name : XXXX XXXX Current Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, Michigan XXXX Date of Birth : XX/XX/year> Last Four of XXXX : XXXX I also requested the removal of all outdated or incorrect personal identifiers, including : Former addresses Name variations Obsolete or unverifiable employer information These items do not meet FCRA or Metro 2 standards for accuracy, completeness, or relevancy. 

My original request included supporting documentation, including a copy of my government-issued ID and a recent proof of address. Despite this, no action has been taken to correct or update my personal information. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and ensure the credit bureau complies with its legal obligations to maintain accurate and updated personal data. Written confirmation of the correction was also requested, but has not been provided. 

Thank you for your assistance in holding the agency accountable to FCRA compliance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
On XX/XX/XXXX I was paying my landscaper {$1300.00}. I went through XXXX and chose XXXX. I had never done that before so I thought I better do it through the app. I had not hit send XXXX XXXX  out of it. I then went through the app to make the payment. I received an email from XXXX  saying I cancelled my transaction and I was so quick they did not debit my account. I saw my account had been debited twice. I called my bank to dispute, I received a notice it was denied because I had not attempted to get the money back from the vendor. I sent a dispute on XX/XX/XXXX. The XXXX  associate walked me through it. She had me mark my landscaper as what I was disputing. He did not get double paid, so Im not sure why. She had me send my bank statement showing the 2 debits. That was denied on on XX/XX/XXXX. They said the records showed the transaction was processed correctly. On XX/XX/XXXX I called my bank. They sent another dispute that was denied XX/XX/XXXX. I called the bank again and they sent me the 2 transactions that were debited. I replied to that dispute and asked for the transaction document showing where it was credited back to my account as they said I got a refund. I was denied on XX/XX/XXXX saying they were closing my case and can not respond or accept any more disputes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding inaccurate reporting on my credit history by Bridgecrest concerning a car loan I held with them approximately five years ago. During a period of financial hardship due to job loss, I contacted Bridgecrest and was granted a deferment for several payments. These deferments were explicitly approved by their representatives during our conversations, allowing me to temporarily pause payments without penalty. However, despite this agreement, Bridgecrest reported these deferred payments as late payments to the credit bureaus. The loan has since been paid in full, yet these inaccurate late payment entries remain on my credit report. I have reached out to Bridgecrest multiple times to dispute this reporting and requested that they review the call recordings from the period in question, which would verify the deferment arrangement. Their response was that they no longer have recordings from that time, and they have refused to correct the reporting. This situation is severely impacting my credit score and has created significant barriers for me and my family as we attempt to secure a mortgage loan. Despite my good-faith efforts to resolve this directly with Bridgecrest, they have failed to take any corrective action. I find this to be not only unfair but deeply frustrating, as I acted responsibly during a difficult time and upheld my end of the agreement. I am requesting the CFPBs assistance in holding Bridgecrest accountable for the inaccurate credit reporting and in helping me get these unjust late payment marks removed from my credit file. Thank you for your time and attention to this matter. Please let me know if any additional documentation or information is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: MI

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-21 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: OH

Complaint narrative:
I'm writing to dispute an item on my credit report that is incorrect and needs to be addressed immediately. After reviewing my report, I found information that either doesnt belong to me, is inaccurate, or was added 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 non-monetary relief