vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Synchrony Amazon card had a reduction of credit to XXXX on my account. I called and asked for it to receive credit again they denied me. I then asked for the account to close they said they would put notes on the account. I called again a month later they finally took away my login but they are still sending me statements.

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: TX

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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: TX

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 — Reporting company used your report improperly
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I am not swayed that NR/SMS/CAL has investigated this account properly. Their investigation about this account was totally incorrect. I am not seeing this account to any of the other credit bureaus which were so odd. I believe they have not reached out to the furnisher to validate. Therefore, I have sent out a couple of written complaints to raise this concern but other than the credit report I have, I have never heard any feedback from NR/SMS/CAL. Make sure to explain the outcome of your investigation about this account : NR/SMS/CAL XXXX Date opened XX/XX/2021 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 2025-05-01 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: PA

Complaint narrative:
I HAVE BEEN AFFECTED OF TRAFFICKING AND EQUIFAX 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 AND TRAFFICKING. 

Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX Equifax & XXXX  credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: GA

Complaint narrative:
On reviewing my credit report, I discovered a hard inquiry dated XX/XX/year>, from XXXX XXXX XXXX listed under finance/personal. I did not authorize or initiate any credit application, loan request, or financial transaction with this company. I have no existing relationship with XXXXXXXX XXXX XXXX, and I did not provide consent for them to access my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a company must have a permissible purpose and consumer authorization to perform a hard inquiry. This inquiry was made without my knowledge, consent, or legal basis, constituting a violation of my rights under the FCRA. 

Resolution Requested : I am requesting that XXXX XXXX XXXX immediately remove the unauthorized inquiry from all consumer reporting agencies ( XXXX XXXX XXXX XXXX ). 

I request that XXXX XXXX XXXX provide documented proof of any application or signed authorization, if they claim the inquiry was permissible.

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: NY

Complaint narrative:
I am filing this complaint due to the continued and unlawful reporting of inaccurate, incomplete, and unverifiable information on my consumer credit report by Experian. Despite multiple prior disputes and the submission of verified documentationincluding an FTC Identity Theft Report this company has failed to conduct a lawful reinvestigation or correct/remove the disputed item in violation of federal law. Violations Involved : - FCRA 1681i failure to properly investigate disputed information within 30 days.

- FCRA 1681s-2 ( a ) continued reporting of information known or reasonably known to be inaccurate.

- Regulation V ( 12 CFR 1022.43 ) failure by furnisher to comply with direct dispute obligations. 

This behavior is nearly identical to the misconduct referenced in prior CFPB complaints such as : - CFPB Complaint # XXXX resulted in non-monetary relief and correction of identity theft-related errors. 
- CFPB Complaint # XXXX resulted in successful removal of unverifiable account data following a formal dispute. 

Consumer Harm and Requested Relief : As a direct result of this companys ongoing violations, I have suffered : - Inaccurate credit reporting affecting creditworthiness and financial opportunities.

- Emotional distress and unnecessary time and effort to correct this issue.

- Denials or unfavorable terms for financial products due to incorrect reporting. 

XXXX 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 2025-05-02 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: TX

Complaint narrative:
Subject : FINAL NOTICE Willful Noncompliance under FCRA 616 Immediate This letter serves as my third and final formal dispute regarding the continued, unlawful reporting of the following account on my TransUnion credit report : Disputed Account Information : * Creditor : XXXX Funding XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} * Date Opened : XX/XX/XXXX * Last Verified : XX/XX/XXXX * Original Creditor : XXXX XXXX XXXX XXXX XXXX * Status : Collection/Chargeoff Only reported by TransUnion Despite two previous dispute submissions and a formal complaint filed with the FTC, your bureau has continued to report this derogatory account without providing any valid proof or proper debt validation. This account is not being reported by XXXX or XXXX, which raises serious concerns regarding its accuracy, legitimacy, and your investigative process. 
I requested : * Full debt validation including contract, signature, and account-level documentation * Proof of permissible purpose under FCRA 604 * Verification of assignment from the original creditorNone of these have been provided.

Your continued reporting, without proper verification and despite formal notifications, is not merely negligent it constitutes willful noncompliance under the Fair Credit Reporting Act ( FCRA ) 616, and directly violates my consumer rights for the third time.

Legal Notice : If this account is not removed from my credit report within five ( 5 ) calendar days of your receipt of this letter, I will initiate legal proceedings against TransUnion LLC without further notice. This includes but is not limited to : * Initiating a civil lawsuit for willful violations under FCRA 616 and 617 * Seeking punitive damages, actual damages, and legal fees You are hereby on notice. You have had ample opportunity to investigate and correct this. You are knowingly and unlawfully damaging my credit profile. 
I expect a written confirmation of deletion within five days of this letter. Failure to act will result in legal escalation without further correspondence.

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 2025-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NV

Complaint narrative:
While reviewing my credit report I see this company is listed as an account in collection. They are reporting a balance of {$1900.00}. This is a fraudulent account opened in my name without my consent or authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXXXXXX XXXX XXXX XXXX List of Unauthorized Inquiries : XXXX XXXX NA - XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-05-01 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: SoLo Funds Inc.
State: OR

Complaint narrative:
I created an account with solo funds XX/XX/year>. I began funding loans to other users. XX/XX/year> I found I was blocked from taking any actions in my account. I contacted customer service and was told that this was for security reasons and that my account would be restored XX/XX/year> at XXXX. When this time came I was still blocked from using my account; unable to withdrawal funds, deposit funds, or fund loans. I contacted customer service and they said that it was an error, and that they'd begin working to repair my account. I've requested further information, but none has been provided besides that they would find a resolution " soon ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
We have requested that Military Lending Act ( MLA ) benefits be applied to our American Express credit card account, where I am listed as an authorized user/alternate. Despite being eligible for MLA protections since at least XXXX, Amex has repeatedly denied our requests. We have paid annual membership fees each year since then, which we believe should have been waived under MLA protections or Amexs related policy. Amex has not provided a clear explanation for the denial, despite multiple attempts to resolve the issue directly with them. 

Below are our case numbers we have submitted. 

Case Number : XX/XX/XXXXXXXX  Case Number : XXXX ( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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:
The complaint is against Transunion and Equifax. They are reporting a medical debt on my credit report, which is prohibited by federal law " Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information. ( Regulation V ). 
This law was enacted in XX/XX/year>. I have filed a dispute with XXXX to remove this creditor ( XXXX XXXX XXXX from my credit report, due to them violating federal law and they refused to remove it. Please assist me as the consumer in this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: GA

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a XXXX account. Monday XX/XX/XXXX, Sunday, is the renewal of the XXXX account. I called customer service, XX/XX/XXXX to renew, and was advised to go to their office, because the account was blocked, they couldn't do it via phone. 

XX/XX/XXXX visited the B of A bank in XXXX, XXXX XXXX, XXXX, for assistance. 
Spent XXXX hour and reassured everything was fine and the XXXX was renewed for XXXX months with interest rate of 4.0 %. Next day checked my account, but there was no changes in my account. 

Called the bank again XX/XX/XXXX, talk to 3 different people for an hour and no results. Today XX/XX/XXXX, called to follow up. The account still the same. Spent another hour on the phone and was transferred to 3 different people and eventually the last person hang up on me. 

I went to the branch office at XXXX. I was approach by XXXX, XXXX, and ask what do I need. I told her I wanted to renew my cd and it has been 4 days without results and unblock my account, so I can manage it. She replied " It's XX/XX/XXXX they are all busy and to make an appointment. " I explained that I have only XXXX week to renew it and there's no opening in their appointment. 

I ask what should I do, the problem has been almost 7 years, trying to renew to get a better rate than 0.111 %. Then I ask if she could check my account, she said she has a customer, although she's been talking to me for XXXX minutes. XXXX  was rude and XXXX said I can seek for legal advise or hire a lawyer if I want to. Another employee who help me on XX/XX/XXXX, approach me to assist me. I was told it's still in progress and wait XXXX days again. Still the account has not changed. 

In conclusion, B of A block me out of my account, but they won't or can't unblock it. What can I do next?

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