vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have an open complaint on CareCredit. 
CareCredit resolved the issue which made my balance XXXX. Never contacted me after the complaint and now the balance went from XXXX to {$2200.00}. I have no missed any payments with this company. The CareCredit app said my Minimum balance was XXXXXXXX XXXX XXXXXX/XX/year>. It is not that date yet it is XX/XX/year> and they reported to my credit XXXX point. Which lowered my score in retaliation to the dispute that has been done. Nobody has contacted me my social doesnt even show in the system that I exist my address doesnt show in the system as I exist and its ruining my credit score when I havent missed a payment.

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: IN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. CXXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX U.S. CXXXX  XXXX ) for deceptive and misleading reporting.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Bank errors related to billing and reporting are negatively impacting my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately reflect payments and credits, but several issues have arisen : payments I made were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required 21-day notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law and unfairly harm my credit standing.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. CXXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX U.S. CXXXX XXXX ) for deceptive and misleading reporting.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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 XXXX USC XXXX. 

XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX U.S.C 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 U.S.C. 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 2025-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I requested bank statements for the previous bank chase that I was banking with and I let them know that I did not owe a balance with them and they told me I had to pay {$500.00} to settle the balance and they have not resolved the problem. This was not authorized by myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Car was totaled in 2019. Insurance covered over XXXX XXXX XXXX insurance purchased on loan contract covers the remaining balance on car loan. XXXX XXXX continues to try to collect on a debt not owed by me but is owed by XXXX XXXX insurance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc
State: NY

Complaint narrative:
Some one opened chime so it out my consent there I need them to fix it and close it out so I can get chime asap

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: WA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NE

Complaint narrative:
On XXXX XX/XX/year>, I remotely deposited a Bank Draft in the amount of {$27000.00} in my checking account at Navy Federal Credit Union. On XXXX the XXXX of XX/XX/year>, {$220.00} was available. On Friday, XXXX XX/XX/year>, the other {$27000.00} was not available for my use. I called NFCU XXXX XXXX at XXXX hrs and talked to XXXX who said the funds would not be available until Monday, XXXX XX/XX/year>. On XXXX XX/XX/year> I recieved the explanation for my funds not being available. Please see uploaded document. Please note paragraph that states funds schedule does not apply to Remote deposits. Your assistance would be greatly appreciated. 

Please see the e-mail recieved Tuesday XXXX XX/XX/year> Navy Federal Credit UnionXXXX XXXX NFCU Navy Federal XXXX XXXX : Email for XXXX | XXXX  XXXX Success! Your Deposit Is Approved for Processing We've approved and are processing your recent mobile deposit of {$27000.00}, check number XXXX with a 2-business-day hold. 

Your entire deposit will be available within 2 business days. You can withdraw up to {$220.00} of your deposit within 1 business day. Please keep your check for 5 days after submitting your deposit. 
Please note : daily processing times and federal holidays can impact the availability of funds. To find out more about funds availability, please review our Mobile Deposits FAQs. For more info, review our Terms and Conditions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: CA

Complaint narrative:
There is an inaccurate account reporting on my credit reports please invistigate it. I am not liable for this account. 

XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) Account # : XXXX * * * * Balance : {$200.00} XXXX sent them a letter how ever they did not remove anything just updated the comment to " Account information disputed by consumer, meets FCRA requirements " therefore they know this account should not be reporting this account on my credit reports.

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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Bank errors related to billing and reporting are negatively impacting my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately reflect payments and credits, but several issues have arisen : payments I made were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required XXXX notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law and unfairly harm my credit standing.

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: DC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$990.00} INQUIRIES : 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 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 non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX Balance : {$1100.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX : {$670.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : {$570.00} Open Date XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX : {$500.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX : {$470.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX Balance : {$0.00} Open Date XX/XX/XXXX Inquiries : XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX  XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX, XXXX XXXX XXXX XXXX Date XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: 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: LA

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 2025-05-02 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: CT

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away. Kindly remove and block them.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached XXXX XXXX XXXX XXXX. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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 — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: IL

Complaint narrative:
On XX/XX/year>XXXX I ordered XXXX mobile phones from XXXX XXXX and XXXX for their service. 
On XX/XX/year>, I received XXXX mobile phones and tried to activate them. It turned out that they sent incorrect phones and I spent XXXX hours with XXXX customer service when they told me the problems can not be fixed. I opted to cancel the service and phones with XXXX 
XXXX acknowledged my cancellation and I sent the mobile phones back. XXXX acknowledged the receipt of both the phones on XX/XX/scrub>XXXX XXXX 
However, I started receiving mobile service bills from XXXX. I went to XXXX location in XXXX on XX/XX/XXXX, called XXXX  service lines multiple times in XXXX. Every time the customer service people acknowledged that I have never utilized their service and I should NOT be charged any fees. Each and every customer service representative assured me that this service charge will be removed. 
However, Suddenly, in XXXX, I started getting calls from AMSHER COLLECTION SERVICES claiming that I owed XXXX  {$270.00}, I repeatedly informed them that this issue has been resolved with XXXX However, they decided to report this to all credit bureaus and My credit dropped by XXXX points. I have been trying to buy a home and this has adversely affected my ability to buy a home : ( In addition I learned that this will adversely affect my credit till XXXX, effectively killing my home ownership dreams. 

I have raised a dispute through XXXX  However AMSHER Collection services, readied the collection report and I am not able to contact them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
It started on XX/XX/XXXX with an unauthorized charge of {$34.00} on my debit card from XXXX XXXX. Then on XX/XX/XXXX my bank alerted me as a large transaction of {$810.00} was being charged on my credit card from XXXX, which was also fraudulent. Then on XX/XX/XXXX there was another XXXX XXXX charge for {$260.00} that was charged on my credit card. Then on XX/XX/XXXX there was a {$310.00} charge on my debit card from XXXX. Every time this had occurred I had to call the bank and report it as fraud as they had to cancel my cards and send me a new one, as this process has repeated itself a few times as this has made it hard for me to pay my bills. 

Then on XX/XX/XXXX USAA charged my checking account for {$86.00}, stating that this was not fraudulent when it was which was from XXXX XXXX. Then on XX/XX/XXXX USAA charged my credit card {$260.00} from the charge done on XX/XX/XXXX, also stating that this was not fraudulent when it was, but cited no evidence. I also have disputed this charge with my bank. Both the {$86.00} on my debit card as well as the {$260.00} was never resolved through multiple times I have disputed these charges.

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: 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: TX

Complaint narrative:
I am a victim of identity theft as a result of the XXXX XXXX XXXX XXXX, which compromised my personal information including my SSN, date of birth, and more. Since then, multiple fraudulent accounts and inquiries have appeared on my credit report, which I did not authorize or initiate. 

Despite providing proof of identity, a police report, and a detailed identity theft affidavit, the credit reporting agency has failed to block and delete the fraudulent items as required under XXXX U.S. CXXXX XXXXXXXX ( a ) of the Fair Credit Reporting Act ( FCRA ). 

I also requested that my dispute be manually reviewed and not processed via e-OSCAR, which is an automated system known to violate proper reinvestigation standards. My requests have been ignored or inadequately addressed, violating XXXX U.S. CXXXX XXXX ( a ) ( 1 ) ( A ) and FACTA XXXX. 

The following inaccurate or fraudulent information was not authorized by me and should be removed : Incorrect names : XXXX XXXX / XXXX XXXX XXXX XXXX  Inaccurate employer listings : XXXX XXXX and XXXX Incorrect address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Fraudulent account : XXXX, Account # XXXX * * * * Unauthorized inquiries : XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ) This failure to act is a violation of the following federal laws : XXXX U.S. CXXXX XXXX ( a ), XXXX ( b ), XXXX ( a ) ( 1 ) ( A ), XXXX ( a ) ( 6 ) XXXX U.S. CXXXX XXXX, XXXX, XXXX ( FDCPA ) I am demanding an immediate investigation, removal of all listed inaccuracies, and confirmation in writing. Failure to comply will result in further legal action. 

What would you like the company to do to fix the problem? 

Immediately delete all fraudulent accounts, inquiries, and incorrect personal data Send me a corrected credit report Ensure manual review of disputes ( not e-OSCAR ) Provide written confirmation of actions taken

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