vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: CT

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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 ( 15 U.S. Code 1692e ) 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 2025-09-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
In XX/XX/XXXX, my wife and I purchased a mattress and bed frame from XXXX XXXX. The initial purchase amount was {$2900.00}. Synchrony Bank offered a 24 month promotional deferred interest plan. I set up the account with automatic payments to ensure that I would not miss any payments and keep the account in good standing. When I set up the automatic payments, Synchrony XXXX website system defaulted to " Minimum Payment '' which I erroneously believed would be the minimum amount needed to pay off the balance within the 24 month promotional period. 

I paid diligently throughout the promotional period with the intent of paying it off entirely. Unfortunately, I misunderstood the what the minimum payment was and missed paying the full balance by the promotional deadline in XX/XX/XXXX. Synchrony then charged me {$1900.00} in retroactive interest, even though I had made consistent payments and cleared the majority of the balance. 

I contacted Synchrony customer service, explained the situation, and asked for a goodwill adjustment or waiver. They refused, saying it was too late. I then requested a hardship plan that stops interest moving forward. I am grateful for that, but I believe the {$1900.00} in back-charged interest is excessive and disproportionate given my payment history and good-faith effort to pay off the balance. 

I am asking the CFPB to review whether XXXX deferred interest practices are fair and whether they can offer a goodwill adjustment or reduction of the {$1900.00} charge.

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 2025-09-10 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: MO

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.

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 2025-09-10 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: NY

Complaint narrative:
Emailed actual bank statements to Experian dispute cntr on XXXX who represents XXXX, sent bank statement with no history with XXXX for XXXX only account ever was XXXX. 
XXXX XXXX  is on my report saying I never paid sent bank statements to them showing payments of $ XXXX returned item from XXXX back to my account for {$39.00} totaling {$240.00} destiny credit card company would not settle the account which I closed immediately after learning their reviews and continued to pay to get rid of the account.then they were removed and then placed back on my report XXXX of XXXX their on my bank statement as XXXX because they have changed their nameXXXX XXXX XXXX I called asked for a transactions history because I never opened an account from them XXXX. Experian refuse to do their job

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
FINAL NOTICE OF DISPUTE INTENT TO LITIGATE/ARBITRATE Formal Dispute of Inaccurate Credit Reporting Accounts Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX To Whom It May Concern, I am filing this formal dispute regarding inaccurate and potentially unlawful credit reporting associated with the above-referenced accounts. Each of these accounts is being reported with a 30-day late payment history despite being paid and closed, which I assert is inaccurate and damaging.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and the Truth in Lending Act ( 15 U.S.C. 1666b ), as the furnisher of this information you have a legal obligation to ensure that all information provided to consumer reporting agencies is accurate, complete, and verifiable. You also have a duty under 15 U.S.C. 1666b ( a ) to adopt reasonable procedures to ensure periodic statements are mailed or delivered at least 21 days before any due date. If this requirement was not met, any assessment of a late payment or negative reporting is improper and violates federal law. 

Accordingly, I am requesting that you : Conduct a full reinvestigation of each reported late payment for these accounts.

Provide the method of verification, including proof of mailing and delivery of the periodic statements for the months you claim were delinquent. Include exact timestamps, addresses, and delivery records showing when and where the statements were sent and received.

Identify who, what, where, and when any representative of your institution allegedly communicated with me about these accounts or late payments. Provide documentation of those communications.

If you can not provide complete and verifiable evidence supporting the accuracy of the late payment notations, immediately instruct all credit reporting agencies to delete or correct this inaccurate information. 

Be advised that consumer reporting agencies have a grave responsibility under federal law to maintain accurate records. If SchoolsFirst fails to respond adequately or provide verifiable proof, I will pursue all remedies available under the FCRA, including filing complaints with regulatory authorities and seeking legal relief for negligence, willful noncompliance, and damages promptly. 

Please respond within the time allowed by law and confirm that all inaccuracies have been removed or corrected. Attach all supporting documentation to your response.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: GA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-09-10 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: GA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: NC

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

The following accounts are inaccurate, fraudulent, and unverified but continue to be reported on my credit file : - 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 Dispute Basis : No contract, identity theft, unauthorized furnishing, fraud, and unverified reporting. 

I have sent certified disputes to all three major credit bureaus ( Experian, Equifax, and TransUnion ) and to the furnishers themselves. I demanded : 1. Original wet-ink signed contracts 2. Flow agreement / chain of title showing any assignment, transfer, or purchase 3. Proof of who authorized or consented to sell, transfer, or monetize my personal data and intellectual property 4. Verification methods and sources used To date, these items have been verified without proof, in violation of FCRA 1681i and FDCPA 809 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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 filing this complaint under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

The following accounts are inaccurate, fraudulent, and unverified but continue to be reported on my credit file : - 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 Dispute Basis : No contract, identity theft, unauthorized furnishing, fraud, and unverified reporting. 

I have sent certified disputes to all three major credit bureaus ( Experian, Equifax, and TransUnion ) and to the furnishers themselves. I demanded : 1. Original wet-ink signed contracts 2. Flow agreement / chain of title showing any assignment, transfer, or purchase 3. Proof of who authorized or consented to sell, transfer, or monetize my personal data and intellectual property 4. Verification methods and sources used To date, these items have been verified without proof, in violation of FCRA 1681i and FDCPA 809 ( b ).

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 2025-09-10 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-09-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: OPTUM BANK, INC.
State: WY

Complaint narrative:
My dealings with Optum Bank have been terribly frustrating. I've been trying to transfer my HSA from Optum to XXXX with no success. I initiated the process over two months ago. Optum has been evasive at best and secretive/dishonest at worst. Their " customer service '' is somewhere overseas and not helpful at all. The only answers I get are canned answers and not really answers to my questions. When I last talked to them at the end of XXXX, I got an email saying my account had been closed and ( supposedly ) a paper check was on the way to XXXX. That email was dated XXXX XX/XX/year>. Even allowing for the XXXX XXXX XXXX, that's still plenty of time for a check to be mailed. My online transactions show the account closing on XXXX XX/XX/year>. 
I have been attempting to close this account because of all the ( possibly intentional ) misuse of my debit cards associated with the account. The account has been debited by XXXX, XXXX, and XXXX XXXX XXXX over the last year. 
It is virtually impossible to talk to anyone who is actually located in their headquarters in XXXX, Utah.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Comerica
State: GA

Complaint narrative:
I have called on several occasions since the XXXX of XXXX trying to get answers to find out the status where is my funds why hasn't my bank account been closed why haven't I received those funds in the information that I sent to them about the bank I would like my remaining funds to be transferred I wanted my bank account with XXXX XXXX to be closed effective immediately transfer my money at that car that finally spoke with someone after being on hold an hour and XXXX minutes they informed me that they can not close my account they can not transfer my money my remaining funds and found out that XXXX of the ages sent me a new card debit that I did not request I inform them I have the email to show where I asked for this bank account to be closed and I spoke to an agent that gave me the number and told me the process how how long this would take and what all I need to do on my end the agent gave me the email address to contact XXXX XXXX XXXX XXXX XXXX the tracking number she gave me is XXXX we would like to get a copy of all paperwork with them we would like to take this to our legal representative For future civil liability

Company response to consumer: Closed with explanation