vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 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: RI

Complaint narrative:
This is now the third time I am doing this as Experian keeps saying the FTC report was incorrect. I am attaching a new on along with police report as well as all other documentation needed. I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) concerning fraudulent accounts that have appeared on my consumer credit report. Upon reviewing my report, I have discovered several accounts which I do not recognize and believe to be the result of identity theft and fraud. The affected accounts are associated with the following companies and account numbers XXXX XXXX XXXX - Account Number XXXX {$2500.00} XXXX XXXX XXXX XXXX Account Number XXXX {$1300.00} XXXX  XXXX XXXX  Account Number : XXXX {$950.00} XXXX XXXXXXXX Account Number : XXXX {$850.00} XXXX XXXXXXXX XXXX  Account Number : XXXX {$1200.00} I have not authorized or opened any of these accounts, leading me to believe that my identity has been compromised. Furthermore, I have numerous notations from credit reporting companies that my information was discovered on the dark web. In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that these fraudulent accounts be immediately removed from my consumer credit reports. Additionally, I ask that all collection activities related to these accounts be halted. I kindly ask that appropriate actions be taken to investigate these accounts and remove them from my credit reports as soon as possible. Furthermore, I would appreciate being informed of any steps I can take to expedite the removal process. Thank you for your attention to this matter, and eagerly anticipate your assistance in resolving this issue. I request, pursuant to FCRA 605B ( 15U.S.C.1681c-2 ), that EXPERIAN credit reporting agency block all of the accounts, collections identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via mail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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:
Subject : Second and Final Notice Legal Demand to Remove Inaccurate Late Payments Under CARES Act, FCRA, and 15 U.S. Code 1666b To Whom It May Concern, This letter serves as a second and final formal dispute regarding inaccurate late payment information reported on my credit file related to the following account : Account in Dispute Creditor Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date of Late Payment ( XXXX ) Reported : XXXX / XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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:
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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: VA

Complaint narrative:
I am filing this complaint against Westlake Financial Services for furnishing inaccurate, misleading, and incomplete information to the credit bureaus, in violation of the Fair Credit Reporting Act ( FCRA ). 

This auto loan account ( ending in XXXX ) was charged off in XX/XX/XXXX, yet Westlake continues to report monthly charge-off ( CO ) notations well into XXXX. This creates the false appearance of ongoing delinquency, which is both deceptive and unlawful, as charge-offs are a one-time accounting event, not a recurring status. 

Additionally, Westlake is reporting a written-off amount of {$4200.00}, while simultaneously listing a past due balance of {$4200.00} a contradiction. The account also lacks the monthly payment amount, making the report materially incomplete and impossible to assess accurately. These errors violate FCRA requirements under sections 623 and 611, and may also reflect re-aging practices.

I have disputed this account with the credit bureau, but the inaccurate information remains and continues to cause harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: TN

Complaint narrative:
This is the four case that I submitted through here. XXXX XXXX XXXX nor Experian has not provided me with proof that I initiated the inquiry ( XXXX XXXX XXXXXXXX XXXX ) written or verbal. I demand this get removed. After XXXX cases nothing has been shown, and still that inquiry is still on my credit report. XXXX XXXX  XXXX and Experian has allowed fraud with my information. I have mailed out certified letters asking both XXXX  XXXX XXXX and Experian for proof I initiated such inquiry, nor written authorization and have failed to provide any permissible purpose. Experian has not provide proof that I authorized this inquiry. All they did was give me an excuse for why they have allowed this fraud to happen. XXXX  XXXX XXXX has not provide proof that I authorized this inquiry. Attached is a copy of the certified letter that I have sent out to Experian asking for the proof as well as a copy of my police report about this fraud case. It has been over a year and I still have not seen any proof of this inquiry written or verbal, why because " I DID NOT AUTHORIZE THIS INQUIRY ''. Also again this is the fourth case that I have submitted through the CFPB and still neither XXXX XXXX  XXXX or Experian has provided me proof that I have authorized this inquiry which against the Fair Credit Reporting Act. This will be the XXXX time that I have submit paperwork in XXXX shape way or form asking for this inaccuracies to be removed. Experian has cost me time and money for a mistake they have made and have refused to correct. Why is this allowed to happen? " I have not given XXXX  XXXX XXXX XXXX Experian authentication for any inquiry having to do with this matter ''. THIS IS FRAUD AND ILLEGAL. A copy of the letter that was mailed is attached a copy of all the past cases is attached as well ( This is the inquiry that I'm referring too ) Creditor XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/year> According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I purchased a whole house generator through XXXX, which requires payment on the XXXX XXXX XXXX XXXX by Citi. The contract value exceeded the current credit limit, and the increased credit limit offered by Citi. The XXXX seller agreed to bill in XXXX installments, with a first amount of {$13000.00} on XX/XX/XXXX. The charge posted to the account on XX/XX/XXXX and I immediately paid the full balance of the card via XXXX from XXXX XXXX. The payment posted to the Citi credit card account on XX/XX/XXXX and to XXXX XXXX account on XX/XX/XXXX. Due to multiple payments on the card in the month and full payoff of a large charge, Citi has placed a hold on the {$13000.00} payment and is refusing to release the credit limit and allow the XXXX seller to post the second charge. 

Citi 's ability to place holds is not disclosed in the XXXX XXXX that I received when opening the card : XXXX XXXX XXXXXXXX. 

Citi 's payment screen does disclose that holds may me applied ; however, when I ask Citi where this is contained within the Card Agreement, they can only refer to Section 7, which deals with defaults. 

Citi states ability to place holds on payments is contained within Card Agreements, but they can't provide a reference to the XXXX XXXX XXXX XXXX agreement. 

Citi representatives admit they may be acting outside of the Card Agreement, that they are in possession of the funds, and that the ACH can't be reversed. However, they are unwilling to take any steps to remove the hold.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am filing this complaint regarding Navy Federal Credit Unions decision to restrict my ability to make mobile check deposits without providing a clear or specific explanation. 

Recently, I submitted XXXX checks from a customer via mobile deposit that were flagged by the bank. Following this, Navy Federal completely restricted my mobile deposit access. Despite my attempts to resolve the issueboth through the secure messaging feature on the app and by visiting a local branch in personI was not provided with a specific reason for the restriction or a path forward for resolution. 

I have been a loyal member of Navy Federal for over 10 years with no prior issues or irregularities on my account. This sudden and unexplained restriction has caused a significant inconvenience, as I operate a personal business and checks are a primary form of payment from my clients. The inability to deposit checks digitally has disrupted my workflow and limited my access to timely funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I had a promotional interest on a balance with this bank that was set to expire on XX/XX/XXXX. In XXXX of XXXX, my promotional balance was {$2200.00}. I have had automatic payments of {$250.00} set up for the XXXX of each month. On XX/XX/XXXX, I made an additional one time payment of {$2000.00} and anticipated my monthly automatic payment of {$250.00} would be withdrawn on XX/XX/XXXX which would satisfy the promotional balance prior to the deadline of XX/XX/XXXX. 

On XX/XX/XXXX when I logged in, the front page of my account, had a banner stating an " autopay of {$250.00} WILL OCCUR in 1 day '' ( XX/XX/XXXX ). At the end of my XXXX statement it clearly states the automatic payment will be deducted from my bank on XX/XX/XXXX. Additional language says " the automatic payment amount MAY BE REDUCED ( NOT WILL BE REDUCED ) by payments, credits, and/or returns posted on or before this date. '' Additional language up in the terms state under " Credits to Your Account '' that " Credits will be applied to your previous balance immediately upon receipt, BUT WILL NOT SATISFY ANY REQUIRES PAYMENT THAT MAY BE DUE. '' When I made the XXXX time payment of {$2000.00} on XX/XX/XXXX, there was no language or statement saying my XXXX time payment would void my automatic payment on XX/XX/XXXX. The only language provided to the consumer when making a one time payment is " By clicking " Authorize Payment '', you authorize Synchrony Bank to initiate an electronic payment in the amount specified above from the bank account specified above. You also authorize your financial institution to honor this payment. 

THERE IS NOWHERE, on the statement or on the website when making a payment, language telling the consumer that their automatic payment would not be withdrawn. Because this detail was not provided, I believed my {$2000.00} payment on XX/XX/XXXX and my automatic payment on XX/XX/XXXX would satisfy my balance. However, because this bank did not provide me with this information, I was charged {$1100.00} in interest charges. This banks language is vague and unclear. MAY BE REDUCED is not the same as WILL BE REDUCED. This bank does not provide a clear distinction on when an automatic payment MAY BE or WILL BE reduced. There was no language during the one time payment process to suggest my automatic payment would be canceled, if there had been, I would have known to make the combined one time and automatic payment of {$2200.00}. There was no way for me to know my autopayment would not still occur. 

This company 's information and business practice is misleading and deceptive to their customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-07 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: NV

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-04-07 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via dealer are all reporting inaccurate information to my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via dealer are all reporting inaccurate information to my consumer report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Unknown - XXXX XXXX - XXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: NY

Complaint narrative:
I am writing to follow up on Complaint ID # XXXX, which I submitted on XX/XX/year>, concerning inaccurate and unverifiable information reported by TransUnion LLC on my credit file. 
Despite the legally mandated 30-day window under the Fair Credit Reporting Act ( FCRA ), I have not yet received an update or resolution from TransUnion. 
As outlined in my original dispute, :-

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
XXXX - Applied for a Pay in 4 loan through PayPal for {XXXX XXXX XXXX XXXX XXXX XXXX XXXX  my request was denied. I received a notice from XXXX stating " We regret that we are unable to approve your request at this time for the following reason : Your PayPal in Pay in 4 loan is currently delinquent. '' I have never been delinquent on PayPal Pay in 4 loan I called Paypal and spoke to 7 different people including a supervisor XXXX XXXX XXXX XXXX XXXX XXXX  because they kept transferring me. All of them stated that I do not have any delinquencies therefore the notice of denial is false. No one could explain why I was declined after they investigated my account and stated I have never been delinquent nor am I delinquent now as a customer of PayPal for 24 years. 

I am very concerned about the the credit extension practices and the lies and misleading information that comes from each person I speak to. No one has a straight answer then they blame the computer systems. However, no valid reason was ever given as to why I was declined, no solution was ever provided and the only thing any of them did was confirm I do not have delinquent loans. Yet they sent me a denial notice stating I was delinquent and no further assistance was granted nor was my loan approved based on the fact I am more than qualified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: CA

Complaint narrative:
I have discovered that my identity was used without my permission in a fraudulent manner. This is an unauthorized action, and I am deeply concerned that my personal information has been compromised.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: NC

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: NC

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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