vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: MS

Complaint narrative:
My personal and financial data was compromised without my authorization violating the XXXX XXXX XXXX  and Privacy Act FERPA. I request full cancellation of my student loan debts from XXXX on my transunion credit 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 2025-04-11 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: MS

Complaint narrative:
My personal and financial data was compromised without my authorization violating the XXXX XXXX Rights and Privacy Act FERPA. I request full cancellation of my student loan debts from XXXX on my transunion credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: MS

Complaint narrative:
My personal and financial data was compromised without my authorization violating the XXXX XXXX Rights and Privacy Act FERPA. I request full cancellation of my student loan debts from XXXX on my transunion credit 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 explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
VyStar credit union posts debits before credits. I have accumulate $ XXXX of overdraft fees the past year. I have called and spoken to representatives and they are no help. This is an unfair practice

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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC
State: IL

Complaint narrative:
I am filing a formal complaint regarding inaccurate, misleading, and incomplete information being reported by Mariner Finance on my credit report. The account was charged off in XX/XX/year> for {$670.00}. However, Mariner Finance is now reporting a written off amount of {$950.00} and a continued balance of {$950.00}, with no valid explanation or documentation to justify these added charges. 

I formally requested debt validation from Mariner Finance, and the documentation they provided is inconsistent with what is being reported to the credit bureaus. They have also failed to provide a breakdown of the charges added after the charge-off date or any reference to a contractual agreement authorizing post-charge-off interest or fees. 

These actions appear to violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The reporting is misleading, incomplete, and damaging to my credit profile. 

I am filing a formal complaint regarding inaccurate, misleading, and incomplete information being reported by Mariner Finance on my credit report. The account was charged off in XX/XX/year> for {$670.00}. However, Mariner Finance is now reporting a written off amount of {$950.00} and a continued balance of {$950.00}, with no valid explanation or documentation to justify these added charges. 

I formally requested debt validation from Mariner Finance, and the documentation they provided is inconsistent with what is being reported to the credit bureaus. They have also failed to provide a breakdown of the charges added after the charge-off date or any reference to a contractual agreement authorizing post-charge-off interest or fees. 

These actions appear to violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The reporting is misleading, incomplete, and damaging to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MORGAN STANLEY & CO. LLC
State: IL

Complaint narrative:
On XX/XX/XXXX, I opened a new checking account with Morgan Stanley XXXX XXXX  ( through XXXX ) with a promotional off er to receive a {$250.00} cash bonus after setting up a direct deposit of at least {$1000.00} and receiving XXXX such direct deposits within 90 days of account opening. I have never owned a deposit account at this bank in the past, and this is this was the only deposit account I opened with Morgan Stanley XXXX XXXX. 

On XX/XX/XXXX, I received the fi rst such payroll deposit of {$1800.00}, and on XX/XX/XXXX, I received a second payroll deposit of {$1800.00}. On XX/XX/XXXX, I received a message from the bank with the subject : " You're on track to receive a cash bonus in your new account. '' The message further stated : " Congratulations! Based on your recent direct deposits into your new checking account, you've met the preliminary qualifi cations and are on track to receive a {$250.00} cash bonus. '' On XX/XX/XXXX, I received a message stating : " You recently opened a new checking account from Morgan Stanley XXXX XXXX, Member FDIC as part of a cash bonus off er. Unfortunately, your account did not meet the off er requirements to qualify for the cash bonus. '' Soon after, I called customer service to inquire about which off er requirements I did not meet, since it was my understanding that I had met all requirements : I had opened the account before the deadline of XX/XX/XXXX ; the account was funded within 30 days to remain open ; I had received XXXX qualifying direct deposits within XXXX  days over {$1000.00} ; I had opened the account online ; I had received the off er via email ; I did not own or co-own any checking account with Morgan Stanley XXXX Bank in the past XXXX  months ; and I am a XXXX resident. There is nothing in their terms and conditions that disqualify me. The customer service representative could not explain to me why I did not receive the bonus, but promised to follow up with me within XXXX hours. I did not receive any follow up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX I am filing this complaint regarding inaccurate items on my credit report that continue to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of these items, as it is incorrect and does not reflect my true credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: AL

Complaint narrative:
I am requesting the removal of unauthorized or inaccurate hard inquiries from my credit report. I noticed that several inquiries were made without my permission or knowledge. I have not applied for credit with the companies listed, nor have I authorized these inquiries. These inquiries are negatively impacting my credit score.

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 2025-04-11 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: AL

Complaint narrative:
I am requesting the removal of unauthorized or inaccurate hard inquiries from my credit report. I noticed that several inquiries were made without my permission or knowledge. I have not applied for credit with the companies listed, nor have I authorized these inquiries. These inquiries are negatively impacting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am writing to formally dispute the inaccurate reporting practices of SYNCB/CARE CREDIT as reflected in my credit reports from XXXX, XXXX, and XXXX. The information being reported is inconsistent and contains numerous discrepancies that negatively affect my credit profile. I request a full investigation and prompt correction or deletion of the disputed data. The specific issues are detailed below : XXXX. Inconsistent Account Dates : The date opened and last activity dates for my SYNCB/CARE CREDIT account differ significantly across the XXXX credit bureaus, calling into question the accuracy of the accounts history. 
XXXX. Payment History Reporting Errors : The account is listed as a charge-off ; however, it continues to appear in the payment history section. 
There are conflicting payment history entries : a reported late payment of XXXX  days for XXXX consecutive months, followed by periods with no data, then a XXXX late payment entry before reverting again to no data. These fluctuations create confusion and inaccurately reflect my payment behavior. 
XXXX. Missing 1099-C Form : Although the account is reported as charged off, I did not receive a Form 1099-C, which is required when a debt is canceled or XXXX. This omission raises concerns about the legitimacy of the reported 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 2025-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-04-11 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: NJ

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-04-11 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: Atlanticus Services Corporation
State: MA

Complaint narrative:
XXXX Credit card put a hold on my account XXXX weeks ago. Recently when I tried to use it it was denied. I called, emailed them and they requested documents which I provided and pictures of me holding my ID next to my face to confirm I'd. Then I reattached email

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/XXXX, I made a purchase from a company called XXXX XXXX using PayPals guest checkout ( I do not have a XXXX account ) for {$330.00}. I never received the product, so I filed a dispute with Bank of America. 

I was told the dispute would take up to XXXX  days, pending a response from XXXX. Since then, Ive contacted both companies several times. XXXX confirmed the merchant accepted responsibility and ruled in my favor. I received an email from XXXX XXXX XXXX confirming this ( attached ). 

Despite this, Bank of America continues to claim they are still waiting on XXXX. I filed a BBB complaint, and a Bank of America XXXX ( XXXX from the XXXX XXXX XXXX. ) called me on XX/XX/XXXX and promised resolution by XX/XX/XXXX. That deadline has passed, and today I was told the timeline is now XXXX  days, which contradicts every prior communication. 

This is unacceptable. I am requesting the immediate release of my funds and resolution of this dispute. Attached is a screenshot of the XXXX communication proving the matter was resolved on their end.

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 2025-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
I made a deposit for {$7000.00} my Fifth Third Bank checking account. The teller promised next day funds availability, however a XXXX day hold was placed on the deposit. The customer service dept. refuses to accelerate my issue to someone in position of authority to intervene on my behalf. 

What recourse is available for remedy?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: NY

Complaint narrative:
Ongoing Inability to Access Equifax Account Since XX/XX/year> Dear Consumer Financial Protection Bureau, I am filing a formal complaint regarding Equifax, due to a prolonged and unresolved issue that has significantly limited my ability to access my account since XX/XX/year>. 

Despite multiple attempts to resolve the matter through Equifaxs customer service, I have been caught in a repeated cycle : after each support request, I receive four identical emails stating that the issue has been resolved. In reality, I am only able to log in once or twice before the problem recurs, locking me out of my account again. This has happened multiple times over the past several months.

Each time I report the issue, I am told to wait up to two weeks for the system to reset. However, the login failure continues, and Equifax has not provided any meaningful explanation or lasting resolution. Most recently, the company has ceased responding to my direct inquiries entirely, including private messages. 

This pattern of ineffective support and lack of accountability has denied me continuous access to my own credit information, which I believe is both unfair and potentially harmful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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:
after looking over my credit report there is information that i am unfamiliar with including accounts, address, inquires that are not mines.

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 2025-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Blockchain.com, Inc.
State: IL

Complaint narrative:
On XX/XX/year>, I attempted to withdraw funds from my Blockchain.com account. I had been using the mobile app for about 5 years, and always logged in using Face ID, so I did not remember my password. 

When I couldnt find the withdrawal option in the mobile app, I tried to log in from my desktop for a better user interface. Since I didnt recall my password, I used my recovery phrase to regain access. At around XXXX XXXX, I successfully logged in and received an email confirming access. 

Once in, I sold approximately {$25000.00} worth of Bitcoin. Shortly after, the account prompted me to verify my identity. I uploaded my government-issued ID and a selfie, as requested. 

Since then, the account has remained under review, and I have not been able to access my funds. I submitted over 30 support tickets, and sent numerous emails, but Ive only received automated or copy-paste responses. No actual support has been provided. 

I did not use a VPN, and all actions were taken from my usual location. 

As of now, more than {$30000.00} remains inaccessible, and this situation has caused serious financial hardship. I can not work due to a truck repair I cant afford, and my fiance is pregnant and due in XXXX. I am seeking immediate assistance in resolving this issue.Ticket # XXXX

Company response to consumer: Closed with explanation