vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-06 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: TX

Complaint narrative:
TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Formal Dispute and Demand for Removal of Inaccurately Reported Account : XXXXXXXX XXXX XXXXXXXX Consumer File/Report Number : XXXX To Whom It May Concern : I am writing to formally dispute inaccurate information on my credit report. The account " XXXX XXXX XXXX is erroneously reporting past due payments and a delinquent status. I have no past due accounts with any creditor, and this specific account is incorrectly reporting derogatory information that has reappeared after being previously resolved. 

Specific Errors & Violations : Re-appearance of Resolved Error : This account was fully resolved and removed from my report following a prior dispute Reference # XXXX. Its reappearance constitutes willful non-compliance with FCRA 611 ( a ) ( 5 ) ( A ), requiring permanent deletion of unverifiable information.

Metro 2 Coding Violations : The account violates Metro 2 Credit Reporting Resource Guidelines by : Incorrect Payment Status ( Field XXXX ) : Reporting delinquency when the account is not past due. 

Inaccurate Compliance Condition Code ( XXXX XXXX ) : Failing to reflect prior resolution. 

Invalid Account Status ( XXXX XXXX ) : Misrepresenting the accounts standing. 

FCRA Violations ( 611 & 623 ) : 623 ( a ) ( 1 ) ( A ) : Failure to report accurate information.

623 ( a ) ( 5 ) : Reinsertion of previously deleted information without certification.

611 ( a ) ( 2 ) ( B ) : Lack of reasonable reinvestigation.

FDCPA Violations ( 15 U.S.C. 1692e ( 8 ) ) : Reporting false delinquency to a credit bureau ( if furnisher is a debt collector ).

Demand for Action : I demand you take the following actions immediately : Permanently delete the " XXXX XXXX XXXX '' account from my credit file. 

Correct all related inaccuracies, including the two ( 2 ) unjust late payments. 

Compensate me for damages under FCRA 616/617 and FDCPA 813, including statutory damages of {$1000.00} per violation and actual damages for : Emotional distress Credit denials Increased interest rates Provide written confirmation of deletion and correction within 15 days. 

Thank you, 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 2025-06-06 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: MO

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-06-06 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: AL

Complaint narrative:
I bought a bed from XXXX XXXX on XX/XX/XXXX. The promotion I was presented that was offered through Synchrony Home credit card was supposed to be for 48 months no interest which is what I agreed to. When I received my first statement the next month, the promotional rate stated it was for a 18 month no interest financing promotion, I immediately contacted XXXX XXXXXXXX and was told this was an error and they would fix it. After I received my next statement still with the wrong promotion on it, I contacted the XXXX XXXX XXXX on XX/XX/XXXX and they sent me a receipt through email stating they fixed the issue along with the items receipt. I contacted Synchrony multiple times by phone and live chat online. They stated today when I contacted them that they would give me only the online chat dated XX/XX/XXXX with XXXX and XXXX. XX/XX/XXXX with XXXX, and XX/XX/XXXX with XXXX and would not give me the lists of times I've called. They have yet to rectify this issue after I think I have done my part contacting both the store that sold me the products and their financing person as well as Synchrony who it was financed through. After I file this complaint, I plan on speaking to a lawyer about breach of contract.

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 2025-06-06 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:
On or around XX/XX/XXXX, I received a notification that my Equifax credit report had been updated in regard to the tradeline reported by XXXX XXXX XXXX. The change reflected a revised payment history for the account in question. However, despite these revisions, the account remains materially misreported and continues to violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( b ) and 1681i ( a ). 

Originally, Equifax reflected the following status : XX/XX/XXXX Current XXXX XXXX 30 Days Late XXXX XXXX 60 Days Late XXXX XXXX 90 Days Late XXXX XXXX  120 Days Late After the XX/XX/XXXX update, the account was modified to show : XXXX XXXX  30 Days Late XXXX XXXX 60 Days Late XXXX XXXX 90 Days Late XXXX XXXX  120 Days Late XX/XX/XXXX Charged Off This retroactive reclassification of payment status moving the start of delinquency from XX/XX/XXXX back to XX/XX/XXXX is an inaccurate representation of the actual payment chronology and violates Metro 2 reporting guidelines. The data appears to have been re-aged, which is expressly prohibited. 

Additionally, the status of Charged Off is now being reported for XX/XX/XXXX without providing sufficient validation of the charge-off determination or the contractual delinquency timeline that justifies such a designation. 

I previously disputed this account and requested full validation. However, rather than conducting a thorough investigation or providing verification under 15 U.S.C. 1681i ( a ), the data furnisher simply altered the derogatory dates while maintaining the charge-off status, which is still erroneous and prejudicial to my creditworthiness.

This constitutes an ongoing pattern of negligent and/or willful furnishing of inaccurate data, failure to properly investigate under the FCRA, and a breach of the furnishers Metro 2 data accuracy obligations under industry standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/year> and XX/XX/year>, I received an email from business claiming to be XXXX questioning if I had authorized 2 payments for {$870.00}, which I did not. I immediately called the number in the email and reported this. The representative asked if he could remote into my computer to return the funds of {$16000.00}. They logged into my computer and Wells Fargo bank account to credit the unauthorized charges. In the process, my screen went black for a few seconds and then told me to enter my name and XXXX when prompted, which I did. When I pressed enter, the screen showed XXXX. After this I saw my WF bank account with the XXXX as deposited but later found out it was a fake screen. The rep was very upset and said I had to return the overpayment of {$15000.00}. Since I thought this was my error ( but was actually part of their scam, I agreed to return the XXXX. They told me to go to my bank and withdraw the amount in cash to avoid penalties and taxes from my back and then to take the cash and deposit it into a XXXX XXXX account and they would transfer the funds back to paypal. They told me exactly which XXXX XXXX bitcoin to use and set up the account for me and texted me the XXXX code. I did exactly what they guy said and when I got home I saw the money in the XXXX account and 10 minutes later it disappeared. In the meantime, Wells Fargo called me to report suspicious activity with my account and I realized, to late, that I had been scammed. They immediately closed all my accounts and filed a claim with the fraud department. I found out later that the scammer had transferred XXXX from my line of credit to my savings. The line of credit was opened years ago without my consent. The scammer could not have transferred this money to my savings if the unauthorized line of credit had not been opened by Wells Fargo. I have thorough documentation for everything that happened but Wells Fargo has refused to help and is demanding payment for the loss. This is a gross injustice to hold me liable for a scammer that almost wiped me out.

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 2025-06-06 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:
Hello, I have several unauthorized accounts I recently discovered on my credit report. These are inaccurate and hurting my ability to obtain credit. It is my understanding that you will investigate the account for me to make sure it is accurate. Here is the accounts I'm asking you to verify as accurate : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct 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 2025-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
In 2024 my accounts were compromised and all of my money was stolen and online loans were gotten in my name. I realized after so many calls and messages that my XXXX was even hacked so I filed a police report and put everything in the report from my accounts at XXXX, XXXX XXXX  and chime financial. I disputed these unauthorized transactions with Chime financial 3 separate times and provided the police report and they still denied it. I was told the second time to order a new card and change my password ( securing the account ) so I did that and they still denied. I really would like my money back. The office investigating my case even said yeah these are in XXXX and Michigan but I live in texas. Something needs to be done because even the representatives that opened up the disputes even said yes we should be able to credit your account and still nothing. I just closed the account because what good is an account you can't use. They replace the card but not the account which is strange to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: IL

Complaint narrative:
This account was charged off on the following date ( XX/XX/year> ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations.You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXXXXXX XXXX XXXXXXXX

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 2025-06-06 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: AR

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: NC

Complaint narrative:
On XX/XX/year>, I placed an order with XXXX, paid a {$250.00} deposit, and agreed to finance the remaining balance ( ~ {$2300.00} ) through their XXXX program. However, on XX/XX/year>, XXXX permanently shut down operations and canceled all pending orders. 

Despite the companys closure, their third-party financer ( XXXX XXXX XXXX ) processed my financing contract on XX/XX/year>, XXXX the business no longer existed and without my informed consent. No product was ever delivered, and no service was rendered. 

I disputed the charges with XXXX XXXX, which reversed the payments under goods not received. Still, a collection account from XXXX XXXX appeared on my TransUnion credit report. 

XXXX XXXX only provided a XXXX tracking record with no name, signature, or delivery addressinsufficient to validate the debt. I disputed this entry with TransUnion multiple times and submitted a detailed letter along with a copy of the New York Attorney Generals official agreement, which confirmed that XXXX improperly charged consumers and mandated refunds. 

Despite overwhelming legal and factual evidence showing the debt is invalid ( due to impossibility of performance, lack of consideration, and federal consumer protections ), TransUnion failed to remove the account and deemed the information verified. 

I am requesting that the CFPB review this complaint and instruct TransUnion to permanently delete the inaccurate entry, as it violates the Fair Credit Reporting Act ( FCRA ), Fair Credit Billing Act ( FCBA ), and FTC rules.

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 2025-06-06 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 am writing to request verification of the debt referenced above, which you claim I owe. This is not a refusal to pay but a request for information regarding your claim. I assert my right to a written validation of this debt under the laws set forth in the Fair Debt Collection Practices Act.

Please provide the following : 1. Verification and validity of the debt, including the amount owed and calculations to substantiate the sum, as well as a breakdown of any fees, interest, or other costs added.

2. A copy of the original signed agreement or instrument that states I agreed to pay the creditor.

3. Verification that your agency is legally permitted to collect this particular debt in my state, including licensing information.

4. The name and address of the original creditor.

5. Details of the last payment made on this account, showing any transactions related to this account.

Please note that I request all future communication regarding this matter be conducted in writing.

If you can not provide the requested information, I expect the collection attempt to be ceased and for this account to be removed from my credit report with any bureau to which you may have reported.

While you are verifying this debt, I would appreciate your cooperation by halting any future collection activities. In accordance with my rights, please provide the requested documentation to help me better understand and validate your claim. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: PA

Complaint narrative:
Subject : XXXX XXXX XXXX XXXX Bank for XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to formally file a complaint against XXXX XXXXXXXX XXXX, located at XXXX. XXXX XXXX, XXXX XXXX, SD XXXX, regarding its refusal to remove a one-time 30-day late payment from my credit report. 

I have been a loyal customer of XXXX XXXX XXXX  maintaining two credit cards with them for several years. Throughout my time with the company, I have consistently made on-time payments and managed my accounts responsibly. Unfortunately, in XX/XX/year>, I sustained a severe concussion that temporarily impaired my cognitive functions, causing me to unknowingly miss my payments for that month. 

This was not a matter of financial hardship, as I had sufficient funds in my bank account to cover all obligations. Rather, it was a temporary medical challenge. I have provided the bank with medical documentation diagnosing my condition, along with photographic evidence of my injuries, which supports my claim. Despite this, XXXX XXXX XXXX  has refused my request for a goodwill removal of the late payment notation from my credit report. 

I believe that XXXX XXXX XXXX refusal to accommodate my circumstances violates my rights under the Fair Debt Collection Practices Act ( FDCPA ). Additionally, the banks unwillingness to consider reasonable accommodations, given my medical condition, has caused me undue stress and frustration. 

I respectfully request that the Consumer Financial Protection Bureau review my case and intervene as necessary to ensure fair and ethical credit reporting practices. I seek the removal of the XX/XX/year> late payment from my credit report, as this would more accurately reflect my long-standing responsible credit behavior. 

Thank you for your time and consideration. I appreciate your assistance in resolving this matter fairly. 

Sincerely, 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 2025-06-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
my experience with them was really awful. i bought a car yesterday XXXX XXXX and i agreed with the sales rep for an all inclusive price unfortunately when i talked to the finance department for a bank loan they tried to sell me ridiculous warranties and when i refused all of them i was charged extremely high interest and then the rep told me he had a good offer which was lower interest but he secretly and professionally increased the sale price of the car by about XXXX XXXXXXXX XXXX i noticed this the day after i bought the car and when i contacted them again they made me another ridiculous offer. The price I agreed on is {$40000.00} and the price they secretly changed is {$46000.00}. It's very clear

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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 concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation