vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXXThis is my XXXX and final notice to Equifax regarding the unauthorized reinsertion of the XXXX XXXX XXXX account XXXX) into my credit file. I originally disputed this account in XXXX 2025 and confirmed its deletion in XXXX 2025. However, I was shocked to find that the account was reinserted in XXXX 2025 without any prior written notice, which is a direct violation of the Fair Credit Reporting Act (FCRA), specifically 15 U.S.C. XXXXXXXX(a)(XXXX)(B)(XXXX)-XXXX) and  XXXX(b). My XXXX  dispute was sent on XXXX XXXX 2025, and delivered on XXXX XXXX 2025 via XXXX tracking number XXXX XXXX XXXX XXXX XXXX XXXX To this day, Equifax has failed to provide any reinsertion notice, certification of accuracy, or explanation. This reinsertion was done without following federal requirements and no other credit bureau has reinserted the account, further proving Equifaxs failure to ensure maximum possible accuracy. I am demanding the immediate and permanent deletion of this account, written confirmation of its removal, and a full copy of the reinsertion documentation. This includes the furnishers certification of accuracy, the exact date of reinsertion, and the reinsertion notice I was legally entitled to receive. Equifaxs continued inaction and silence shows willful noncompliance under 15 U.S.C. XXXXn and negligent noncompliance under 15 U.S.C.  XXXXo, both of which carry statutory damages of up to XXXX per violation. I have already filed a formal complaint with the FTC (Report XXXX), and this CFPB complaint  is my final attempt to resolve this issue before pursuing further legal remedies.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: OH

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-04-21 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:
I am a victim of identity theft and did not authorize or make the disputed charges. I respectfully request that these charges be removed from my account. 

Pursuant to XXXX XXXX. XXXX, I owe no debt related to these transactions. Additionally, this company is violating my consumer rights to privacy under 15 U.S.C. XXXXb ( XXXX ). Furthermore, the company does not have my permission to report any information using my personal details, as outlined in 15 U.S.C. XXXX ( XXXX ). 

I trust you will take immediate action to resolve this matter in compliance with the law. Thank you for your attention. 
To Whom this may concern, I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities. 


I understand that failure to investigate these accounts within a period of XXXX days will result in non-verification which requires that the above accounts be immediately removed from my credit file. 

I also understand that the Fair Credit Reporting Act specifically 15 USC sections XXXX ( d ) and XXXX requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
In XX/XX/year>, I saw in my bank that I was charged {$580.00} in interest on a XXXX XXXX/ SYNCHRONY BANK CARD. When I made the initial purchase, they had a 0 % offer, and I took it intending to make payments. I spoke to them and set up auto draft payments, but when I saw the interest hit the account, I called and asked why. They said the payments were not enough for the deadline to be interest-free, and they would not do anything about it. So even though I thought it was unethical, I went ahead and paid the cc off in full with no intention of using it again. 

Moving forward to today, I got a notification from my XXXX  account that I was two months late on the XXXX XXXX XXXX SYNCHRONY BANK CARD payment. When I logged in to see why ( because I paid it in full ), I saw they continued to charge me interest on the card even though I paid it in full in XXXX, which I was directed to by their customer service representative. 

I called to get this fixed, but they said interest can not be credited or waived, so I had no choice but to pay it. It is also important to note that I received no email or bill indicating the interest on the XXXX balance account was due. The only way I knew was that they reported me 60 days late on the card to the credit bureau. This is all for XXXX $ % of " interest. '' If I had known this was an issue in XXXX, I would have handled it then, but they did not notify 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 monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NV

Complaint narrative:
I have never been able to talk with a person at XXXX, they never answer calls and never return calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: GA

Complaint narrative:
Equifax Report Confirmation : XXXX. This is a XXXX  reinvestigation request concerning the XXXX XXXX XXXX Bank account, originally opened on XX/XX/XXXX, and closed on XX/XX/XXXX. As of the most recent update on XX/XX/XXXX, this account is marked as a charge-off with a balance of XXXX XXXXXXXXdespite its closed status. The creditor has reported the charge-off using Profit and Loss classification, which under IRS CXXXXe XXXX requires the issuance of IRS Form XXXX for any canceled debt over {$600.00}. I have not received a XXXX for this account. This failure constitutes a federal tax violation, and I am filing a formal complaint with the IRS XXXX XXXX XXXX. Furthermore, the reporting of a charged-off account with a continuing balance is misleading and violates FCRA XXXX ( b ), which requires consumer data to be accurate and not misleading. The continued post-closure updates without proper verification raise concerns of reinsertion or manipulation of disputed information. This dispute is supported by new material evidence, including my Equifax XXXX Credit Report and IRS Notice XXXX. Per FCRA XXXX ( a ) ( XXXX ) ( A ), I request reinvestigation, and under XXXX ( a ) ( XXXX ) ( A ), the account must be deleted if unverifiable. I also object to the distribution of my data to XXXX, XXXX, XXXX, or XXXX, which violates FCRA XXXX ( a ) and the Gramm-Leach-Bliley Act. I request immediate and permanent deletion of this account from my Equifax report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: MA

Complaint narrative:
I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: MA

Complaint narrative:
I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.

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 2025-04-21 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: NY

Complaint narrative:
I just came across a credit inquiry on my report that I have XXXX knowledge of. I never applied for anything with this company, and I definitely didnt give permission for my credit to be pulled. As far as I can tell, this is a fraudulent inquiry.

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 2025-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/year> I was involved in a brutal car accident that left me with a XXXX XXXX XXXX XXXX and a XXXX XXXX  The ambulance took me to the hospital and my car was taken to a body shop/salvage yard, where the owner of the establishment claimed he didn't know a car 's trunk could be opened without a key. I was in the middle of moving and had personal items in a XXXX trunk inside my car 's trunk. When I opened my trunk I noticed big items were missing, but I didn't realize everything that I was missing at the time. Months before this accident occurred I enrolled in a program that was offered by Synchrony Bank that stated if you were to become ill, severely injured etc. they would wipe away your debt. My physical therapist and myself filled out the proper paperwork and I turned it in. My debt was erased. About a week or two later I was locked out of both my personal email accounts and wasn't able to log into either one no matter what I did. Those two email accounts have years and years of sensitive personal information that I can never get back. My XXXX XXXX account was hacked as well so I couldn't see if any new accounts were being opened under my name. Unfortunately I didn't take action because I didn't know what actions to take. I didn't have any guidence or money to afford to get help, so here I am six years later stressing with some debt that I didn't know about until I was able to finally get back into my XXXX XXXX account and see that I was being sued, because my email accounts were no longer accessible all emails if any were sent I wasn't aware of.

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 2025-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: IN

Complaint narrative:
So I am using Robinhood, I put in XXXX into XXXX, and when I tried to withdraw the money, my account got restricted. I have been using Robinhood every day to do options and stocks tradin, g but when I tried XXXX, I couldn't withdraw my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: FL

Complaint narrative:
Id really appreciate it if you could quickly take off the fraudulent items from my credit report given the circumstances and fix any inaccuracies or fraud. This is the XXXX time Im reaching out for your help. Ive attached documents from the relevant authorities that back up my claims.

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 2025-04-21 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:
This correspondence serves as a formal follow-up and final notice regarding your continued noncompliance with the Fair Credit Reporting Act ( FCRA ), despite my previous dispute dated XX/XX/XXXX. To date, you have failed to conduct a proper reinvestigation of the disputed account listed below, nor have you provided the legally required verification documentation in response to my demand under FCRA 611 ( a ). 

Let me remind you that under FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ), you are obligated to complete a reasonable reinvestigation of disputed information and to delete or modify any unverifiable data. Additionally, under FCRA 623 ( b ), data furnishers must investigate and report the results of the reinvestigation to the credit reporting agency in a timely and accurate manner. Your failure to do so not only undermines the integrity of the credit reporting system but also exposes your organization to significant legal liability under FCRA 617 for damages resulting from your willful or negligent noncompliance. 
ocumentation Still Required : Despite my prior request, you have not produced any of the following : 1. A copy of the original creditor agreement bearing my signature ( if applicable ) ; 2. Records or communications used to verify the accuracy of the disputed information ; 3. Documentation outlining your reinvestigation procedure and final findings.

Without this verification, continued reporting of inaccurate information violates FCRA 611 ( a ) ( 5 ) ( A ), which explicitly requires deletion if information can not be verified. 

Continued Noncompliance Legal Implications You are now in a clear pattern of willful noncompliance. I remind you of the precedent set in : Cushman v. TransUnion Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) where failure to conduct a reasonable reinvestigation was held as willful noncompliance ; Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) where damages were awarded due to inaccurate reporting and failure to properly reinvestigate. 

I reserve all rights to pursue monetary damages, including : Statutory damages up to {$1000.00} per violation ; Punitive damages for willful noncompliance ; Compensation for actual damages, including emotional distress and credit denials ; Legal fees and court costs, if litigation becomes necessary. 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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-04-21 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: IL

Complaint narrative:
XXXX XXXX  has not informed the credit bureaus to remove the charge off. 

The balanced was paid already and its now {$0.00}. I have gotten my legal documents notarized and XXXX XXXX  needs to remove the charge off, off my credit or i will look into taking them to court. They sold the debt to XXXX XXXX XXXX, and the balance was paid. 

XXXX  by XXXX is still illegally holding me and my spouse in a timeshare that we legally got out of. We went though XXXX XXXX XXXX, and i have legal documentation from them, that we are no longer owners of this timeshare and our names cant be found in the database. 

I ATTACHED CREDIT REPORTS SO YOU COULD FIND ME AND MAKE NO EXCUSES I HAVE SUBMITTED THIS COMPLAINT TO THE ATTORNEY GENERAL, XXXX, GOVERNOR AND I GOT A NOTARY SIGNATURE

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 2025-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am filing a complaint against all 3 credit reporting agencies for failing to properly investigate my disputes regarding inaccurate information on my credit report. Despite my submissions, all 3 credit reporting agencies consistently responds within 24 hours stating these accounts are accurate and verified without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i, which mandates a reasonable investigation of disputes. Furthermore, All 3 credit agencies actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. $ {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure all 3 companies comply with the federal law and provides consumers with the necessary proof of investigation.

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 2025-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am writing to file a formal complaint regarding what I believe to be a deceptive and potentially unlawful financial transaction that occurred at XXXX XXXX XXXX involving the financing of my vehicle and the mishandling of my trade-in value. 

After recently reviewing my loan documents, I discovered several troubling details that raise significant concerns : I had traded in a vehicle with an agreed-upon value of {$10000.00}, which was expected to be applied as a down payment or credit toward the new vehicle financing. However, there is no indication anywhere in my loan documents that this {$10000.00} trade-in value was ever credited to my account or reflected in the final financing terms. 

Despite this missing credit, my new vehicle was financed at a total amount of {$48000.00}, which includes : A previous car loan balance of {$14000.00} Accrued interest of {$100.00} The cost of the new vehicle, {$34000.00} An interest rate of 11.39 % APR, resulting in a staggering {$19000.00} in finance charges Throughout the term of this loan, I experienced numerous hardships, including the economic impacts of COVID-19 and the aftermath of Hurricane Helene. I made multiple requests for loan forbearance to alleviate financial pressure and prevent further damage to my credit. However, my account history does not clearly reflect any granted forbearances or accommodations. 
Given these concerns, I believe I may be a victim of : Failure to properly disclose or apply a trade-in value Predatory lending practices via excessive interest and ballooned finance charges Inadequate customer support regarding hardship forbearance during federally declared disasters This situation has placed a heavy and unjust financial burden on me during already difficult times. 

I am also aware that in addition to the CFPB, I may report this matter to : The Georgia Attorney Generals Consumer Protection Division TXXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX ) The Federal Trade Commission ( FTC ) I respectfully request that the CFPB investigate this matter and assist in determining whether my rights as a consumer have been violated, and if any corrective actions can be taken.

Please let me know what additional information or documentation you may need to proceed with this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation