vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the completeness, maximum possible accuracy, and integrity ( XXXX ) of the information contained in my consumer report that your agency has furnished. In the credit world, XXXX refers to the standard that consumer reporting agencies must upholdensuring that all data reported is Complete, Meets the highest level of possible Accuracy, and maintains its Integrity as required by federal law. Pursuant to 15 U.S.C. 1681i ( a ) ( 5 ), inaccurate, unverifiable, or incomplete information must be deleted immediately. TransUnion, as a consumer reporting agency ( CRA ), is strictly liable for ensuring compliance with the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my consumer file, I have identified inaccuracies and inconsistencies that fail to meet the legal standards of completeness and accuracy under 15 U.S.C. 1681e ( b ). The law mandates that all information contained within a consumer report must be reported with the " maximum possible accuracy, '' and any deviation from this requirement is a clear violation. Furthermore, under 15 U.S.C. 1681c ( a ), obsolete information or data that does not comply with statutory limitations can not be legally reported.

I demand an immediate and thorough reinvestigation of my consumer file under 15 U.S.C. 1681i ( a ) ( 1 ). If TransUnion can not verify the disputed accounts beyond a reasonable doubt, they must be deleted without delay per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). Simply " parroting '' information from data furnishers without an actual independent verification constitutes willful noncompliance, as affirmed in XXXX XXXX TransUnion XXXXp., 115 F.3d 220 ( 3rd Cir. 1997 ). 

Additionally, if TransUnion is reporting accounts or information obtained from sources such as XXXX, XXXX, or other third-party data aggregators, I demand disclosure of the exact method of verification pursuant to 15 U.S.C. 1681g ( a ) ( 2 ). Any failure to provide a proper verification method renders the data unverifiable and mandates its immediate removal.

Failure to comply with my demand will be deemed a willful violation under 15 U.S.C. 1681n, making TransUnion liable for statutory and punitive damages. Should this matter not be resolved within 30 days from receipt of this notice, I will explore all legal remedies available, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office.

Please provide written confirmation of the deletions within 30 days to remain compliant with the statutory timeframe.

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 2025-03-07 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
XX/XX/XXXX XXXX, I called Synchrony Bank today to check my balances and was told my account was closed. 

I had paid my account in full in XX/XX/XXXX and had called the month of XXXX to verify my balances were paid and there was no discussions of closing my account. 

When I called today XX/XX/XXXX i was informed my account is closed. I informed them I received no notification of this. 

The rep informed me that my account was closed due to my report being ran XX/XX/XXXX of XXXX and was in review. 

However, there was no notice of this and I called the Bank ahead of time to let them know in XXXX of XXXX I would be paying full balances in XXXX of XXXX. 

I was informed this was fine and my late fees were waived. 

I then called again XXXX of XXXX and verified the amount due and paid the account in full on what was owed. 

I have never had a Bank close my account without notice. 

Then when I asked for a re evaluation I was told no by the rep and a supervisor and that if even they did a re evaluation the card would not be updated again. 

This is highly unprofessional as I was not notified in writing nor in email form by the bank. And I have concerns because each person is giving me a different answer on why my account was closed. 

I have concerns on when I asked if they were able to re evaluate my card I was flat out told no. I would need a letter from XXXX saying report they pulled on XX/XX/XXXX was incorrect. 

When I called XXXX I was informed typically they would not issue letters on an item like this and that the Credit Card Issuer has to give me a complete reason on why my balance or credit card was closed out.

I have had credit cards and paid them all off in full and notified all party 's. This is the only company I have had close my card. I have never had this happen to me. 

Also I have concerns as when I asked for a re evaluation as my card was paid I was flat out denied. I have never been treated this way by any company.

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 2025-03-07 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: MS

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following 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

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 2025-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
So I purchased a program online a while back like around XXXX. Up to this date am trying to get my money back because it seems to be a scam they give misleading information for you to buy they program and after buying it it turns out to be a scam nothing that they say or promise you can not ge. So thats when I try to get my money back. The company that charges my card seems to dont have a working number and they dont reply to emails and dont have a business address on the website. So I call the bank to dispute it like 3 times. Or more and they still didnt try to return my money. I even went in the bank to file the dispute. So I dont think they never did a dispute or investigation or try to reach out to the company because they dont have an address or working number. The company that take my money is section XXXX pros the website is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: 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 non-monetary relief
Consumer complaint received 2025-03-07 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 2025-03-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 non-monetary relief
Consumer complaint received 2025-03-07 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I openend two accounts at Truist Bank with a bank check from XXXX XXXX XXXXXXXX. I was told the money would be available the next day. When the funds were not available the next day so that I could pay the bills with it Imwent to the bank and was told tonread the fine print and to leave the bank. After many hours on the phone asking why Incould not access my funds I was treated like garbage and nothing was ever explained olnor resolved. I was lectured about checks and told that the money would be available on the XXXX. Inhad to take out a loan to cover my bills and now on the XXXX the bank still has not released my funds and they said they can legally hold it one more day and are going to do so. Read the fine print. Truist Bank stole my money!!!!!

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 2025-03-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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 2025-03-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: FL

Complaint narrative:
I am filing a formal complaint against Experian for failing to conduct a reasonable investigation into disputes regarding inaccuracies in my credit report. Despite my repeated submissions, Experian consistently responds within 24 hours, asserting that the disputed accounts are accurate without providing any evidence of a thorough review. This reckless and negligent practice directly violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable investigation of disputes.

Additionally, Experians actions may also be in violation of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as evidenced in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar misconduct. 

Legal Warning & Demand for Deletion If Experian does not immediately comply with federal law and remove the inaccurate and unverified accounts from my credit report, I will be left with no choice but to pursue legal action, including but not limited to filing a lawsuit for willful noncompliance with the FCRA. As established in FCRA 1681n, willful violations can result in actual damages, statutory damages, punitive damages, and attorneys fees. 

Disputed Accounts for Deletion : XXXX XXXX xxxxxxx XXXX {$440.00} XXXX XXXX xxxxxxx XXXX {$3200.00} XXXX XXXX xxxxxxx XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX {$37000.00} XXXX XXXX Bank xxxxxxxxxxxx XXXX {$1000.00} XXXX XXXX Bank xxxxxxxxxxxx XXXX {$28.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AFFIRM - XXXX {$2700.00} XXXX XXXX XXXX {$450.00} XXXX  - XXXX {$450.00} XXXX  - XXXX - {$4600.00} Final Notice If Experian fails to comply within the legally required 30 days, I will move forward with a lawsuit for failure to conduct a reasonable investigation, as required by the FCRA, and will seek full legal remedies including statutory and punitive damages. 

This serves as formal notice to correct this violation immediately. I expect a written confirmation of the deletion of these accounts within 30 days.

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 2025-03-07 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: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
SoFi Bank XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Complaint Regarding Unauthorized Charges and Poor Customer Service Dear SoFi Customer Service , I am writing to formally lodge a complaint regarding two unauthorized charges on my account on XXXX XXXX XXXX in the amounts of {$19.00} and {$22.00}. Upon noticing these transactions, I promptly contacted SoFi to dispute them. However, I was informed that the dispute process may take a minimum of several days and that temporary credits are not provided.

Frankly, I expected better service from SoFi and am extremely disappointed in this experience. I believed I was banking with a reputable institution, yet this situationalong with previous issues I have encounteredhas caused me to question that belief.

This is not the first time I have had trouble with SoFis policies and handling of customer accounts. Just a few weeks ago, SoFi held a preauthorized hold on my checking account for nearly two weeks, despite the merchant confirming that the final charge of less than {$6.00} had been processed the same night. The delay in releasing my funds caused unnecessary frustration and inconvenience.

I expect SoFi to promptly investigate and resolve this matter by refunding the unauthorized charges and improving its dispute resolution process. Additionally, I request a written response outlining what steps SoFi will take to prevent such issues in the future. 

Please address this matter with the urgency it deserves. If I do not receive a satisfactory resolution, I will have no choice but to escalate this complaint further. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 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 XXXXXX/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 explanation
Consumer complaint received 2025-03-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I wanted to reach out regarding the dispute I filed for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a third party. However, I can confirm that the disputes did not come from a third party ; they were submitted by me personally. 

I even called them to verify my identity and confirm that it was indeed me submitting the disputes. Despite this, they still refused to process my disputes. I feel that Ive wasted money mailing out the disputes and sending personal information to verify my identity, only for them not to thoroughly investigate the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: NV

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

Company response to consumer: Closed with non-monetary relief