vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and I've noticed that there are fraudulent accounts along with inaccurate information in my report. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) XXXX XXXX XXXX XXXX I XXXX Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists. I am contesting this entry as it was added without my authorization. According to FCRA 605B, they are required by law to obtain my consent before including any information on my credit report.Please remove them as they are affecting my ability to obtain credit.

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 2025-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I went into the TRUIST branch on XXXX XXXX in XXXX XXXX Texas to open a checking account because theyre promoting {$400.00} bonus for opening an account with them. In order to open the account I was advised by the banker to XXXX myself {$50.00} from my XXXX XXXX XXXX account in order to keep it open. I zelled myself {$50.00} on XXXX and set up direct deposit for a portion of my paycheck to go in there. I received a letter in the mail a week later stating that due to fraudulent activity on my account provided by XXXX XXXX XXXX XXXX they closed my account. I called Truist and after getting the run around and asking to speak with every supervisor I could, I was told to contact XXXX and get information from them because they were unable to give me a reason for my account being closed and that I would not be receiving my funds from the closed account. I called XXXX XXXXXXXX XXXX and explained the situation, which they were also unable to provide me with any information regarding the transaction that was flagged as fraudulent. So then they tried to find out if we could report my XXXX transaction as fraud and see if I could receive my funds back. Later I received a letter that they completed their investigation and were unable to retrieve my funds from Truist. Truist told me to also report the issue to XXXX with XXXX In the subject line with proof that the funds were sent to myself from myself to which I just included a screenshot of the XXXX transaction in the body of the email. Its been over a week and Ive received zero correspondence from them regarding my case. I am now concerned that since I called XXXX XXXX just as Truist has instructed me and XXXX requested a lot of personal information over the phone including a picture of my drivers license and my social security number and all my personal information, I think I have been completely scammed and the worst is yet to come and Im now a victim of identity theft and I have no idea how to stop this. Please help. I dont know how I will recover from this.

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 2025-04-24 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: NJ

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
my XXXX email and XXXX email had XXXX major Accounts with the CFPB XXXX AND XXXX .. FOR 5 YEARS THIS STOLEN INFORMATION AND EMAIL PHONE NUMBERS AND I WOULD LIKE TO FOLLOW UP WITH CFPB BUT THE SCAMMERS HAS ACCESS TO MY OLD EMAILS AND CAN UPDATE THE ACCOUNTS THEM SELFS AND ITS NOT RIGHT. XXXX XXXX IS MY PHONE NUMBER XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Tx XXXX is my mailing address XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX is my physical addresse but not mailing.. I have had so ny Complants around XXXX andi cant log in to see anything. I would like to getbout this circle of a trap i been in... I got ta do new reports i assume to keep track of banks as i found out last Monday i have had a number of XXXX XXXX bank account numbers. ask XXXX XXXX and see what XXXX has to say. i did request my early warning report and XXXX XXXX report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

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 2025-04-24 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: NJ

Complaint narrative:
This letter serves as a formal follow-up to my previous correspondence regarding your agency 's ongoing refusal to comply with the Fair Credit Reporting Act ( FCRA ), specifically in connection with my properly filed identity theft report submitted through XXXX. 

To date, your agency has not provided any satisfactory justification for rejecting this report, nor have you taken the necessary steps to investigate or remove the clearly fraudulent accounts listed below from my credit file. As reiterated in my prior letter, federal lawincluding FCRA Section 605B and Section 617requires you to accept valid identity theft reports from consumers, including those submitted through the Federal Trade Commissions IdentityTheft.gov platform. Nowhere does the law require that such reports originate solely from a law enforcement agency. 

Your continued rejection of my legally sufficient identity theft affidavit is not only unsupported by federal law but also constitutes willful noncompliance with the FCRA. This failure to act in accordance with clearly established legal procedures and CFPB guidance reflects blatant disregard for my rights as a consumer and victim of identity theft. Let me be clear : This is your final notice. You are in violation of federal law by continuing to report and verify accounts that were opened fraudulently and which I have already disputed with appropriate documentation. 

If I do not receive confirmation within XXXX calendar days that these accounts have been permanently removed and that my credit file has been updated to reflect the resolution of this matter, I will proceed to : 1.File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General.

2.Initiate legal action for your violations of FCRA Section 617 and for any damages sustained as a result of your unlawful reporting and failure to investigate. 

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 2025-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CLGF Holdco 1, LLC
State: AZ

Complaint narrative:
XXXX XXXX sent me an invite code to apply for their card under Concora Credit. The paperwork did NOT plainly state that there is a { {$250.00} } annual " membership '' fee. 
Had the company disclosed this, I would not have applied. 
This is a card for people with mediocre to bad credit and they are taking advantage of these consumers. 
I cancelled the card within a week or two and wanted the ridiculous {$250.00} taken off my balance, and close the account with the explanation for closure clearly stated ( the company 's failure to disclose terms ). 
The company agreed to close the account, and to credit the {$250.00}, but is refusing to remove, correct or amend anything on my credit report. Therefore I have a Hard Inquiry, an Opened Account, and a " Closed By Consumer '' hit to my XXXX XXXX. 
I can not believe they are allowed to charge this fee to those of us who are already struggling. This is a shady tactic that should be stopped by the CFPB immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Under California law account should have been removed from credit report and a 1099 form should of been mailed and issued to me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This letter serves as a formal follow-up to my previous correspondence regarding your agency 's ongoing refusal to comply with the Fair Credit Reporting Act ( FCRA ), specifically in connection with my properly filed identity theft report submitted through IdentityTheft.gov.

To date, your agency has not provided any satisfactory justification for rejecting this report, nor have you taken the necessary steps to investigate or remove the clearly fraudulent accounts listed below from my credit file. As reiterated in my prior letter, federal lawincluding FCRA Section 605B and Section 617requires you to accept valid identity theft reports from consumers, including those submitted through the Federal Trade Commissions IdentityTheft.gov platform. Nowhere does the law require that such reports originate solely from a law enforcement agency. 

Your continued rejection of my legally sufficient identity theft affidavit is not only unsupported by federal law but also constitutes willful noncompliance with the FCRA. This failure to act in accordance with clearly established legal procedures and CFPB guidance reflects blatant disregard for my rights as a consumer and victim of identity theft. Let me be clear : This is your final notice. You are in violation of federal law by continuing to report and verify accounts that were opened fraudulently and which I have already disputed with appropriate documentation. 

If I do not receive confirmation within 15 calendar days that these accounts have been permanently removed and that my credit file has been updated to reflect the resolution of this matter, I will proceed to : 1.File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General.

2.Initiate legal action for your violations of FCRA Section 617 and for any damages sustained as a result of your unlawful reporting and failure to investigate. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I used XXXX website and purchased a stove on XX/XX/year> that was on sale and the required power card and 5 year warranty program. I was offered an online credit card offer that promised a 20 % discount off of my purchase price of {$820.00} if I applied for the the Lowes Pay Loan that is managed by Synchrony. I was also advised that the {$29.00} delivery fee AND the Installation Fee would be waived since I purchased the power cord that is required and my total purchase price was going to be {$740.00}. I applied and was approved for the card and was advised that I could pay the balance of {$740.00} within 90 days and at 0 % interest. But every time I went to approve the loan and make the purchase to schedule delivery the finance fee would switch from {$740.00} to {$820.00}. However, after consulting with both chat agent XXXX with Lowes and with a phone agent XXXX? at Synchrony at XXXX... I was OVERCHARGED and wrongly financed for the {$820.00} without any of the discounts I was promised. Synchrony advised that I need to call Lowes as they are they ones that billed me. Lowes Order Number : XXXX I tried calling Synchrony back and they are now closed. I called Lowes at XXXX and was advised that they can not assist me as Synchrony manages the financed loan. 

This is horrible. Both Lowes and Synchrony should be ashamed. They Synchrony Phone rep advised that this is a KNOWN problem where Lowes and Synchrony basically Switch and Bait for Loan Purchases. I want my account credited and should only have to pay the {$740.00} that I agreed to.

I want assurance that my stove will be delivered AND installed at no additional charge. I am disputing the {$80.00} that I have been overcharged. I have spent over 2 hours working on this issue and I also expect some compensation for this hardship. Horrible customer service and purchase experience with both Lowe 's and Synchrony.

Account/Order/Tracking number : XXXX Money paid to business : XXXX Desired settlement : Billing adjustment Files to upload : Lowes Synchrony Credit Card 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 explanation
Consumer complaint received 2025-04-24 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: KS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX BALANCED {$1100.00} XXXX XXXX BALANCED {$0.00} These accounts has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent accounts. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: WI

Complaint narrative:
I HAVE BEEN AFFECTED BY THE 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: NC

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$36.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX XXXXXX/XX/year>

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 2025-04-24 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items.

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 2025-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been in contact with BMO through the branch and over the phone. BMO and like many of my credit cards and other bank account were compromised. They were a bunch of fraudulent payments ACH payments made I have hired an attorney. I have put fraud alert on my credit reports I have filed FTC reports I went to the BMO branch IN PERSON AND PUT A HOLD ON THIS ACCOUNT AND MADE IT Credits ONLY SO WHEN WE FILE THE CLAIM AND THE CREDITS COME TO THIS Account WE MOVE IT TO THE NEW ACCOUNT. WHILE I WAS THERE, I PROVIDED A LOT OF DOCUMENTATION TO THE BRANCH MANAGER. I gave her a bunch of FTC reports. I gave her my attorneys contact information and a letter from my attorney, indicating that my accounts have been compromised. My identity has been compromised and how they are in contact with the banks as well as the credit card companies to resolve this situation. I reached out to my other bank so far and let them know about the fraudulent ACH transfers and as soon as they open the case, and they asked for documentation, I gave it to them right away, and they put the case in my favor the next day. BMO is giving me nothing but problems and Ive given them enough proof to make the case go into my favor yet theyre trying to still say that Im responsible for these unauthorized ACH transfers this is completely frustrating to deal with. Im already dealing with identity theft and now I have to deal with my bank, not helping me out through this situation even though I gave them nothing but valid proof and documentation backing up my claim.

These are the following claim numbers theyre trying to hold me accountable for EVEN THOUGH I HAVE LETTERS FROM those credit cards/banks even saying the ach transfers where unauthorized. 


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

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 2025-04-24 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: VA

Complaint narrative:
I respectfully request that you block and remove the unauthorized accounts from my credit report immediately. I did not authorize or open these accounts, and I do not recognize them. As per USC 1681g, I am formally asking for their removal within 15 days. Supporting documents are attached for your detailed review. Additionally, the account information being reported is inconsistent across the credit bureaus.

Company response to consumer: Closed with explanation