vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
b'It states on my statement that if i dont pay it off by XXXX  I will be charged higher interest which they been over charging me high interest all along and even closed my account without notice or stating as to why.  Really i dont care that they closed the account because i been paying each month on time.  They reported it to the credit bureaus that my account has been closed which hurt my credit.  Thats what XXXX XXXX my off.  I will never do business with them again.  Please investigate the high interest rate and why do they lie about promotional sales with lower interest rate and charge high interest rate.  We know what to expect from criminals on the streets but how can they be criminals in today business serving us hard working people.  Just ripping us off and committing fraud and mis-advertisement.  Just liars and cheaters.    Please do an audit on my account with this business.  i was flat out cheated of my hard earned money and i am XXXX XXXX XXXX which is XXXX XXXX as well.  My account number is XXXX XXXX XXXX XXXX  Thank 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 monetary relief
Consumer complaint received 2025-05-03 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: IL

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 2025-05-03 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: IL

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 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-02 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:
Was directly effected by the Equifax data breach. my sensitive information was compromised address, social security number, drivers license number, date of birth and my name. I was directly affected by this breach, as confirmed by the official breach notification letter and control number provided to me by Equifax. Despite acknowledging the breach, Equifax failed XXXX to protect my personal information, failed to prevent unauthorized access, and has not taken sufficient accountability for the long- term consequences this exposure has caused. I am concerned about the long term effects will have on myself and other consumers. I am also concerned about the continuing risk of Identity theft, financial fraud, and other misuse of my personal data. I am asking that the CFPB hold Equifax fully accountable for their failure to safeguard consumer data, for the harm caused, and for then ongoing risks consumers like myself now face as a result of their negligence. I have taken the steps to safeguard my information freezing my credit reports, changing passwords. I am asking for immediate corrective actions, including but not limited to : extend credit monitoring, financial restitution where appropriate, permanent data security improvements, and full transparency regarding the breach impact and protections offered to affected individuals.

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 2025-05-02 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: CA

Complaint narrative:
Was directly effected by the Equifax data breach. my sensitive information was compromised address, social security number, drivers license number, date of birth and my name. I was directly affected by this breach, as confirmed by the official breach notification letter and control number provided to me by Equifax. Despite acknowledging the breach, Equifax failed XXXX to protect my personal information, failed to prevent unauthorized access, and has not taken sufficient accountability for the long- term consequences this exposure has caused. I am concerned about the long term effects will have on myself and other consumers. I am also concerned about the continuing risk of Identity theft, financial fraud, and other misuse of my personal data. I am asking that the CFPB hold Equifax fully accountable for their failure to safeguard consumer data, for the harm caused, and for then ongoing risks consumers like myself now face as a result of their negligence. I have taken the steps to safeguard my information freezing my credit reports, changing passwords. I am asking for immediate corrective actions, including but not limited to : extend credit monitoring, financial restitution where appropriate, permanent data security improvements, and full transparency regarding the breach impact and protections offered to affected individuals.

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 2025-05-03 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: TX

Complaint narrative:
My personal information was involved in Equifaxs data breach. I believe the following accounts are unauthorized and unverified, as they are unfamiliar to me and have not been validated : 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 These accounts are likely the result of the data breach. Ive attached my dispute letter and a copy of the Equifax data breach settlement as proof. Please investigate and remove these accounts from my Equifax credit report within 4 days as required under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: TX

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to formally dispute inaccurate, incomplete, and unverifiable information appearing on my Equifax credit report. The items listed below do not reflect accurate or lawfully verifiable credit data, and I am asserting my right under 15 U.S.C. 1681i ( a ) to a prompt and thorough reinvestigation. 

XXXX. XXXX XXXX XXXX Child Support Account ( XXXX ) I do not have any contractual obligation with this entity. This account is being reported without my consent, authorization, or signed agreement. Pursuant to 15 U.S.C. 1681b and 1681e ( b ), Equifax is required to ensure that only accurate, legally verifiable, and authorized information is reported. 

I hereby demand the immediate removal of this account unless you can provide original, signed contractual documentation bearing my wet-ink signature, authorizing this obligation and allowing reporting under federal law. Failure to produce such evidence within the legally prescribed timeframe is grounds for deletion. 

XXXX XXXX XXXX XXXX XXXX XXXX ) This account is being reported in violation of the arbitration and contractual terms implied and/or included in the original agreement with the creditor. I am asserting my rights under 15 U.S.C. 1681s-2 ( b ) and demanding that Equifax validate this tradeline, including a copy of the executed contract, the full terms of arbitration, and any documents showing my continued liability under current federal credit reporting guidelines. 

If the creditor is in breach of contract, particularly the arbitration clause, then the account reporting is likewise invalid and misleading. Equifax has a legal duty under 1681e ( b ) to ensure maximum accuracy and can not continue to report unverifiable or contractually invalidated information. 

LEGAL NOTICE You are hereby notified that if the above accounts can not be verified with original and authenticated documentation as required under 1681i ( a ), they must be deleted within 30 calendar days. Any continued reporting of inaccurate or unverifiable information beyond that period may constitute willful noncompliance under 15 U.S.C. 1681n, which subjects Equifax to statutory damages, actual damages, punitive damages, and attorneys fees. 

Please confirm in writing the results of your investigation. I request full disclosure of your findings, including the method of verification and the name and contact information of each furnisher contacted. 

Thank you for your immediate attention to this legal notice and dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: IN

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: SC

Complaint narrative:
Transunion is currently reporting or sharing Bankruptcy public record from XXXX XXXX XXXX about me without my express written consent, as required by XXXX U.S.C. XXXX ( a ). Under federal law, Transunion XXXX XXXX XXXX XXXX must have obtained my direct authorization before furnishing any of my data for credit-related purposes. I am requesting the following : Provide documented evidence of my express written consent, which XXXX relies upon to report, furnish, or distribute my consumer information to credit reporting agencies or third parties. Identify each credit reporting agency, entity, or institution to which you have shared my consumer file. If you can not provide written consent, I request the immediate deletion and suppression of any data being furnished or reported about me. Under XXXX U.S. CXXXXXXXX XXXX : A consumer reporting agency may furnish a consumer report only if : the consumer has provided written instructions to do so ; or the information is being used for a permissible purpose as specifically allowed by law.

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 2025-05-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-05-02 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:
I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( mo ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) 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

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 2025-05-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX ) XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear XXXX  XXXX I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 
Please review the Inaccurate Information being report :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance : {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$5600.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX 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 2025-05-02 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: LendingPoint Holdings LLC
State: FL

Complaint narrative:
Lending Point in XXXX asked me to send a deposit in order to qualify for a loan and to establish credit with them through text messaging. The associate from the Lending Point stated that I was approved for a loan and to send money at XXXX XXXX XXXX and to text the picture of the reciept to him. After I sent the reciept to him I got no reply and as I awaited a answer he told me to send more money in the form of a gift card in which I purchased at XXXX ( XXXXXXXX XXXX XXXX XXXX. As I waited for a answer he asked for more money and I sent a gift card ( XXXX XXXX XXXX  ), from XXXX 's. None of the stores will assist me with a refund. None of the gift card companies will refund my money. I have the reciepts ( XXXX ). And I don't have the associates name from the bank but I know it was a man.He just explains that I am approved for a loan and XXXX wa n't the money refunded. 
XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: NJ

Complaint narrative:
I, XXXX XXXX XXXX XXXX, am a federally protected consumer and am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), including my right to privacy as outlined in XXXX U.S.C. XXXX ( 4 ). This is my direct statement, not submitted by any third party or representative. I am attempting to resolve this matter privately and in good faith. 

Upon reviewing my credit report, I noticed an unauthorized and inaccurate account being reported by Experian from XXXX XXXX XXXX, Account # XXXX. This account must be immediately deleted, as it violates multiple sections of the FCRA. 

First, under XXXX U.S.C. XXXX ( d ) ( 2 ) ( A ) ( i ), any information consisting solely of transactions or experiences between a consumer and a furnisher is to be excluded from consumer reports. The account in question falls under this exclusion and should never have been included on my file. 

Furthermore, I never provided written authorization or instructions for this information to be reported. Therefore, this constitutes a direct violation of XXXX U.S.C. XXXX ( 2 ), which clearly states that a consumer report may only be furnished in accordance with the written instructions of the consumer. I have not authorized Experian or any third-party furnisher to report or share this account. 

This account is reported only by Experian. Both XXXX XXXX XXXX do not include this account in my file. This inconsistency is a clear violation of XXXX U.S.C. XXXX ( b ), which requires consumer reporting agencies to ensure the maximum possible accuracy of the information they report. 

As a result of this inaccurate and unauthorized reporting, I am experiencing significant emotional and financial distress. This wrongful entry has prevented me from securing housing. Additionally, I am suffering reputational harm and emotional distress due to the defamation caused by Experians failure to adhere to federal law. 

If Experian refuses to take immediate corrective action and delete this account from my report, I will pursue all available legal remedies. Under XXXX U.S.C. XXXX ( Willful Noncompliance ) and XXXX U.S.C. XXXX ( Negligent Noncompliance ), I am entitled to seek : Actual damages Statutory damages up to {$1000.00} per violation Punitive damages Attorneys fees and costs I respectfully ask the Consumer Financial Protection Bureau to investigate this matter and hold Experian accountable for its willful violations of my federally protected rights. I am requesting that this account be permanently removed from my Experian credit file and that I receive a written confirmation of this deletion along with an updated copy of my 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 2025-05-02 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: GA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Equifax and Experian credit Bureaus are reporting an account that has passed the statute of limitations. Equifax is violating FCRA law which States that any account older than 7 years must be deleted off your 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