vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/scrub> 2025, Equifax received the letter that is attached to this complaint from me. Clearly stated in the letter are the errors that are being reported by two accounts. On XX/XX/year>2025, Equifax mailed me two letters that are also attached to this complaint. One letter states that the XXXX XXXX XXXX account was disputed twice within the last 90 days and the information has been verified as accurate but I never received information pertaining to how they verified the account is being reported accurately because the account is still being reporting differently at XXXX, Equifax, and XXXX. The second letter states the disputed item is not currently reporting on the Equifax credit file but the account that is stated is not the account I detailed in the letter I sent. The account I referenced is the XXXX XXXX XXXX account and Equifax listed the account number with another account name. Obviously, Equifax isn't processing disputes currently but this is alarming because this is individuals, such as mine, financials which Equifax isn't taking seriously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to 15 U.S. Code 1681s2 that you have the duty of furnishers of information to provide accurate information. The TransUnion credit reporting agency is reporting a late payment that's appearing on my consumer credit report that is inaccurate information. I demand that this payments be updated to paid on time immediately within 4 business days of you receiving this complaint. 

It's illegal for you to report information with knowledge that this account information has errors. I have substantial doubts about the accuracy of the information. Please update this account to PAID NEVER LATE. 

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 non-monetary relief
Consumer complaint received 2025-04-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX CREDIT BUREAU account is reporting inaccurate and wrongful information in violation of the Fair Credit Reporting Act ( FCRA ), the XXXX agreement with consumer reporting agencies, and established reporting standards. This inaccurate reporting is causing significant harm to my credit standing and reputation.

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 2025-04-07 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: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
This account is either inaccurate, incomplete, or unverifiable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request an investigation into this matter. 
Please investigate and remove or correct this item if it can not be verified. Enclosed are copies of relevant documents supporting my position.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Purchased couch and chair. Couch came ( defective ), chair delayed. No monthly billing from XXXX until XXXX required by law ; no follow up on delayed status required by contract; called in XXXX to schedule chair delivery and I said what they need to schedule was couch pick up - stated someone else would have to call back which never happened. I attempted to contact corporate office and was on hold for >2 hours on 3 different attempts. To remedy their failures, the XXXX XXXX XXXXXXXX falsified the information to Synchrony Bank and changed the date of sale from XX/XX/XXXX to XX/XX/XXXX ; Synchrony then issued the first billing statement on XX/XX/XXXX. Illegal falsification/modification of original sale records and breach of contract regarding communication terms, as well as failure to provide accurate billing statements every month where they claimed a balance over {$1.00} invalidates the debt the creditor is attempting to collect yet negative reporting remains on credit report and Synchrony/XXXX  has now escalated to collections despite inability to validate a legal debt. This remains the only negative item ever on my credit reporting and continues to affect me negatively in creditworthiness and higher interest rates for loans.

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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am requesting the removal of a closed Bank of America credit card account that was opened in XX/XX/year> but never used. I closed it shortly after opening, and it has had no activity or balance since. I previously disputed this with the credit bureaus and received no helpful resolution. 
I believe this account is inaccurately or unnecessarily reported, as it has no impact on my credit activity and may negatively affect my score due to its age or status. I am asking for this item to be fully deleted 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 2025-04-08 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 am writing to request a investigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i ( a ) ( 5 ) - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate.

Below are the accounts I am requesting to be investigated : __Account Number : [ XXXX XXXX XXXX acct # XXXX ] __ Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA , I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law.

It has come to my attention that there are errors on my credit report. Case law in Cushman vs. Trans Union, courts ruled that information may not seem to be parroted and that a reasonable investigation must take place upon receipt of a consumer complaint. According to the FCRA, when a credit reporting agency receive a dispute the CRA must prove it or remove it. 
Failure to comply with these requirements within 30 days will result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and Attorney Generals Office. I reserve the right to pursue legal remedies, including damages and attorneys fees, under Sections 1681n, 1681o, and 1692 for any harm caused by noncompliance.

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 2025-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: NV

Complaint narrative:
Hello please provide me a detailed explanation why all my credit card accounts have been closed and the remaining balances, if any on the accts.

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 2025-04-08 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: WA

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under XXXX US CXXXX XXXX ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2025-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: AL

Complaint narrative:
My consumer rights were violated by banking with a financial institute with no customer service. Couldn't be issued refunds for fraudulent transactions made on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: PA

Complaint narrative:
I am submitting a complaint against XXXX XXXX XXXX  concerning a charged-off account reported on my credit file. This account is listed with a balance of {$0.00} and marked as charged off, which I believe to be inaccurately reported and lacking proper validation and legal compliance in its reporting. 

Violations and Concerns : Failure to Validate Debt : Despite my efforts to seek clarification and validation of this debt, XXXX XXXX XXXX  has not provided adequate validation as required under XXXX XXXX XXXX ( b ) ( XXXX ). This lack of transparency prevents me from verifying the legitimacy of the charge-off, thereby questioning its validity on my credit report.

Inaccurate Reporting and Misrepresentation : The account is marked as charged off but shows a {$0.00} balance, which is contradictory and misleading. This misrepresentation may be a violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ), which require accurate and complete disclosure of account status. 
Lack of Proper Disclosures : There has been a failure to provide all legally required disclosures related to the reporting of this account, as mandated by federal credit reporting standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: PA

Complaint narrative:
I am submitting a complaint against XXXX XXXX XXXX  concerning a charged-off account reported on my credit file. This account is listed with a balance of {$0.00} and marked as charged off, which I believe to be inaccurately reported and lacking proper validation and legal compliance in its reporting. 

Violations and Concerns : Failure to Validate Debt : Despite my efforts to seek clarification and validation of this debt, XXXX XXXX XXXX  has not provided adequate validation as required under XXXX XXXX XXXX ( b ) ( XXXX ). This lack of transparency prevents me from verifying the legitimacy of the charge-off, thereby questioning its validity on my credit report.

Inaccurate Reporting and Misrepresentation : The account is marked as charged off but shows a {$0.00} balance, which is contradictory and misleading. This misrepresentation may be a violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ), which require accurate and complete disclosure of account status. 
Lack of Proper Disclosures : There has been a failure to provide all legally required disclosures related to the reporting of this account, as mandated by federal credit reporting standards.

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 2025-04-07 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: U.S. BANCORP
State: NV

Complaint narrative:
To Whom It Concerns for dispute resolution, XXXX for {$4000.00} at XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX for {$4000.00} XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX I did not receive a letter in the mail for more information. I did, however, fax additional information to the dispute department. 

I kindly ask to reopen these disputes and settle in my favor. 

I request U.S Bank to investigate the transaction and provide me any information received by the merchant that help to make a decision. 

Additionally I was not notified by the case processor that the disputes were closed for any reason. I kindly ask to be notified by email next time.

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 2025-04-08 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. 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 605B 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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am filing a formal dispute regarding multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I demand immediate correction and removal of the following inaccurate and unverified information from my credit report : 1. Invalid and Unverified Debt ( FDCPA Violations ) Under 15 U.S. Code 1692g, I am disputing the listed accounts as they have not been properly validated under the FDCPA. Your failure to provide legal validation means you can not report or collect on these accounts, and they must be removed immediately.

2. Incorrect Late Payment Remarks ( FCRA Violations ) Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) and 15 U.S. Code 1666b, I am disputing inaccurate late payment remarks on the following accounts. These accounts were paid on time, and the false reporting of late payments is a violation of FCRA and TILA. I demand that these remarks be removed immediately to ensure the accuracy of my credit file.

Additionally, I have already filed a formal complaint with the Federal Trade Commission ( FTC ) regarding these violations. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights.

I expect a written response and correction within the legally required timeframe. Failure to comply may result in additional legal consequences.

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 2025-04-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
There has been fraudulent hard inquires made to my consumer report, there unauthorized charges made to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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:
There has been fraudulent hard inquires made to my consumer report, there unauthorized charges made to my account

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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been submitting letters to Transunion, Experian and Equifax since XXXX of XXXX. Transunion and Experian keep sending a letter that makes no sense. They respond to me saying that they received a written request not sent by me. I don't know how else to approach them and when I call them, they tell me I will get the results by mail. We have been going around in circles since XXXX.XX/XX/XXXX I demand that they delete the accounts I've been disputing since XXXX. Obviously it's been four months and no results. They protect themselves by sending a letter that say I did not send the letters they received. The first letter I sent to all three of them was via certified mail and they still replied that the letter were not sent by me. 

Equifax has not replied at all.

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 2025-04-07 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: Block, Inc.
State: CA

Complaint narrative:
This is the worst banking app I've ever used. XXXX and XXXX are way better and secure. Cashapp is better at locking me out of my account and restricting access to my funds than they are at investigating fraud ( which they admittedly never investigated ). Had three calls with customer support today to review account accessibility issues. I have a phone number associated with a previous account but my e-mail associated with a new account. Why are they split? Because Cashapp froze my assets 3 years ago and I finally got it unfrozen. It took me entering my pin incorrectly twice for it to lock me out and demand authentication which it wouldn't allow. Couldn't access my contacts, didn't accept my banking info, cash card and linked card associated with this account are both expired. So now after 3 calls, I have been escalated to account management, which only communicates through email. They should be shut down for this type of poor business practice. They do not protect their consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to 15 U.S. Code 1681s2 that you have the duty of furnishers of information to provide accurate information. The Equifax credit reporting agency is reporting a late payment that's appearing on my consumer credit report that is inaccurate information. I demand that this payments be updated to paid on time immediately within 4 business days of you receiving this complaint. 

It's illegal for you to report information with knowledge that this account information has errors. I have substantial doubts about the accuracy of the information Please update this account to PAID NEVER LATE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief