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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Date : XX/XX/XXXX Subject : Demand to Update Accounts as Paid Never Late Under FCRA Sections 602, 607, 611, and 623 To Whom It May Concern, I am writing to formally dispute and request immediate correction of reporting errors concerning the payment history on the following accounts currently appearing on my credit reports. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), including Sections 602 ( A ), 607 ( B ), 611 ( A ), and 623 ( A ) ( 1 ) ( A ), I demand that these accounts be updated to reflect an accurate status of Paid Never Late.

The accounts in question have never been late, yet derogatory information or coding may have been reported in error. Any information that can not be 100 % verified as accurate, complete, and consistent across all bureaus must be corrected or deleted. 

Accounts to be Updated 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 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 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX XXXX XXXXXXXX ) due to Transunion credit reporting agency not XXXX the method of verification for items disputed in my recent complaint. Under the Fair Credit Reporting Act ( FCRA ) XXXX ( XXXX XXXX. XXXX ), I have the right to know the methods and sources used to verify the disputed information on 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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In XX/XX/scrub> 2025, I reviewed my tri-merge credit report and identified five accounts with inaccurate and inconsistent reporting across XXXX, XXXX, and Equifax. I am supplying an up-to-date tri-merge credit report with this complaint as evidence. These accounts show differing balances, statuses, and payment histories, violating my rights under the Fair Credit Reporting Act ( FCRA ) and industry reporting standards. 
XXXX XXXX ( XXXX ) : Current, never late, but reported inconsistently across all bureaus. 
XXXX XXXX ( XXXX ) : Current, never late, with mismatched status and balance data. 
XXXX ( XXXX ) : Reports conflicting and inaccurate data on all three bureaus. 
XXXX  : Paid in full and closed with {$0.00} balance, but inconsistently reported. 
XXXX ( XXXX ) : Current, never late, but discrepancies exist across the bureaus.

These discrepancies violate : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy.

15 U.S.C. 1681s-2 ( a ) : Furnishers provided inconsistent/inaccurate data.

15 U.S.C. 1681i : Bureaus must correct or delete unverifiable data. They also breach Metro 2 standards, which require uniform and standardized reporting across all CRAs.

If these accounts were truly reported accurately by the furnishers, the information would be the same across all bureaus. The presence of conflicting data indicates that at least one report is inaccurate, rendering these accounts unverifiable as reported.

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

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my police report and FTC identity theft report ( FTC Report Number : XXXX ) to support my identity theft claim. 

Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXXXXXX XXXX/ XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report any information that contains fraudulent data.

Several times I have contacted the credit bureau to report these fraudulent accounts on my report, and the bureau has not provided a solution to this issue. I am being seriously affected, as this situation prevents me from acquiring a new home for my children. These collections were already eliminated and not verified by other bureaus, so I do not understand why it is being claimed that these accounts are mine. 

I have requested contracts from the company reporting these accounts, and for more than 60 days I have not received any response. Please help me by immediately deleting this account. I am attaching the FTC report, hoping that you will make a fair and appropriate decision in my case.

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: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On or about XX/XX/XXXX I booked a hotel for an upcoming trip through USAA member deals, along with a rental car. Total for my 10 day stay was {$1200.00}. I paid with my debit card TO USAA Member deals. Upon arrival to the hotel on XX/XX/XXXX, I discovered it was " not as advertised '', i.e. no wireless, smelled like mold, and not a safe environment for myself and my child, so I checked out and booked a new room in a safer environment the same night. They would not provide me a checkout document as their internet was down, and they stated that, as I booked the room through USAA member deals, I could call them. I called USAA and let them know the situation, considering they host this location on their site as a member deal, on the XXXX as that was what I assumed was the next available banking day. I can not remember the name of the representative, but I let her know the situation, she could clearly see ( as I used the same debit card ) that I booked another hotel room the same night I was to arrive at my destination. She assisted me with the dispute. I offered, considering I did in-fact check in, to pay for the evening of the XXXX, but the full 10 days I was charged was not acceptable. The dispute filed by the agent resulted in a credit to my account for the disputed amount. I did not receive a phone call, an e-mail or any other correspondence. on XX/XX/XXXX, I receive a document stating that after a " thorough investigation '' I am liable for the full amount. I called on XX/XX/XXXX after I noticed the deduction, and appealed. I was told I would have a response within 5 days. I have not. I have already re-routed my direct deposits and cancelled the products I have with this company, however this is fraud and theft. I did not stay there. I called the people who took my money. Now they are denying that they are responsible. USAA hosted this location on their site. USAA deducted the funds from my account, now USAA refuses to return my money.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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: 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 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: UT

Complaint narrative:
Subject : Follow-Up Complaint Regarding Verification of Fraudulent Accounts AND FINAL WARNING FOR INMEDIATE REMOVAL ACCOUNT To Whom It May Concern, I am writing to formally follow up on my previous complaint regarding the failure of [ equifax ] to remove fraudulent accounts from my credit report. Despite my submission of a Police Report and an FTC identity theft report ( FTC Report Number : XXXX ), [ equifax ] has claimed that the disputed accounts have been " verified. '' The following fraudulent accounts remain on my credit report, which I have previously identified as resulting from identity theft : XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX According to the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681a ( 4 ) : Protects my privacy rights by ensuring that my credit information is accurate and not misrepresented. 15 U.S.C. 1681b ( 2 ) : Details permissible purposes for accessing my credit report, indicating that only authorized parties can access my information. 15 U.S.C. 1681i : Requires credit reporting agencies to conduct a reasonable investigation when information is disputed. Additionally, I am invoking 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) to request the removal and to demand proof of its verification. Section According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Furthermore, under 15 U.S.C. 1681c-2, credit reporting agencies are mandated to block information identified as resulting from identity theft. The claim of " verification '' does not satisfy these requirements, and it is evident that [ experian ] has not conducted a thorough investigation, nor have they taken the appropriate actions to remove this fraudulent information. I also believe that the actions of [ equifax ] may constitute a violation of the Truth in Lending Act ( TILA ), as they have failed to adhere to the obligations concerning accurate reporting and consumer rights. I request that the CFPB investigate this matter further and take necessary actions to ensure that these accounts are properly deleted from my credit report. I also seek guidance on the steps I can take to protect my rights as a consumer in this situation. Thank you for your prompt attention to this ongoing issue.

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

Complaint narrative:
Subject : Immediate Dispute of Fraudulent Accounts Data Breach Impact I am writing to formally request the blocking and deletion of all accounts associated with my personal information, as I am a victim of the XXXX XXXX breach that has affected numerous individuals. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize. For your reference, I have attached a copy of my Identity Theft Report. 
SXXXX 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 2025-04-07 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
XXXX XXXX XXXX were presented by the XXXX holders at The Huntington Bank in XXXX XXXX XXXX XXXX, MI. These XXXX 's were opened in XXXX of XXXX and were set up as automatically renewable XXXX 's by the holders father for the benefit of the holders. Holders were unaware of the existence of the XXXX 's until after their fathers death and located them in XXXX of XXXX. 

When holders brought XXXX 's to the same Huntington Branch in XXXX XXXX XXXX, MI the bank first indicated they had no record of the XXXX 's existing. The bank later stated they had been escheated to the State of Michigan. Both holders contacted the State of Michigan to inquire and were informed by the Unclaimed Property Department of the State of Michigan they had no record of them ever being escheated. 

Holders returned to bank and informed them of this information, and after multiple unsuccessful conversations, meetings and phones calls the Holders were informed that the bank still can not provide record of existence, can not provide record of a payout or record of escheatment claiming it is past the 7 year retention record, however they can not provide a date that the 7 years started or expired. 

The Holders are in possession of the Original CD Document from Huntington Bank that includes a bank representatives original signature, account numbers, original amount and description of the CD, which specifically states interest rates and that the CD is an automatically renewable CD. 
The Holders are filing this complaint against Huntington Bank Corp, in good in faith that all relevant information regarding these CD 's has been shared with the bank and they can not provide any documentation to support not honoring these CD 's.

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: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt-Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block information from my credit report within four business days, pursuant to section 605c of the Fair CreditReporting Act. I am a victim oXXXX XXXX XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 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 non-monetary relief
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 : XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$460.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$490.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$1900.00} XXXX - XXXX - XX/XX/XXXX - {$1400.00} XXXX - XXXX - XX/XX/XXXX - {$890.00XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$700.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$700.00} INQUIRIES : XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/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 2025-04-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX RE : Dispute of Collections Account on Credit Report Dear CBP Complaint Department I am witting to file a complaint against Caine & Weiner regarding a collections account that continue to appear on my credit report despite my previous communications with them to resolve this matter. I have already contacted Caine & Weiner many times regarding this account despite my efforts and the resolutions we reach, this account continues to appear on my credit report from XXXX, XXXX, and XXXX. This inaccurate reporting has negatively affected my credit score and my ability to obtain credit to secure housing, employment opportunities, etc. This situation has caused me significant financial hardship stress.

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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am seeking assistance in reviewing accounts that are incorrectly reported as having late payments. My credit report shows late payment marks on specific accounts, which is inaccurate. These accounts should not have any late payment remarks. Please remove them and ensure the accounts are updated to a positive status as originally agreed.

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: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I have had a Synchrony XXXX credit card since XXXX. My card does not expire until XX/XX/XXXX. On XX/XX/XXXX, my account was closed due to inactivity. I received NO notification whatsoever that this was going to occur so that I could prevent this from happening. 

This lowered my credit score by XXXX points. Im in the process of purchasing a home and now I dont qualify for that home. I was going to use the card to purchase some furniture for my new house, but thanks to them canceling my account, without notification, I am about to be homeless. The place Im at already has people moving in on XX/XX/XXXX and Im supposed to be moving into my new house on XX/XX/XXXX. NOW I DONT QUALIFY FOR THE HOUSE I WAS SUPPOSED TO BE CLOSING ON IN A WEEK AND A HALF AND ITS ALL SYCHRONYS FAULT! 

Had I been notified, I wouldve taken measures to prevent this. 

Then I called today and not only was the representative NOT empathetic her tone was *not my problem* when I told her we are going to be homeless. Sychrony does not allow you to reopen the account. 

IF YOU LIKE BEING VALUED, STAY FAR, FAR AWAY FROM SYCHRONY BECAUSE THEY COULD CARE LESS THAT THEY SCREWED MY CREDIT AND CAUSED ME TO LOSE XXXX POINTS!!!

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: Other features, terms, or problems — Problem with balance transfer
Company: Conduent Incorporated
State: AZ

Complaint narrative:
To Whom It May Concern : I am writing regarding an urgent issue with my Way2Go card account that requires immediate resolution.

On XX/XX/XXXX, I initiated an online bank transfer from my Way2Go card of {$280.00} to my XXXX XXXX account. Although I received an email confirmation stating the transfer was successful, the funds were subsequently returned to my Way2Go account. This has prevented me from making my mortgage payment, creating significant financial stress. 

When I contacted Way2Go customer service about this issue on XX/XX/XXXX, a representative named XXXX informed me that the transfer had " bounced back '' because my bank account needed verification. However, there is no option within the Way2Go account interface to complete this verification process. After explaining my situation, XXXX placed me on hold for XXXX minutes without resolution. 
I then called again and spoke with a male representative. When I requested to speak with an advocate and explained my situation, he stated he would transfer me to a supervisor. I was subsequently left on hold for an additional 33 minutes without anyone addressing my concerns. 

This situation has created significant hardship as I can not make my mortgage payment without these funds. The combination of unclear account verification requirements, excessive hold times, and unresolved transfers has resulted in a frustrating customer experience that requires immediate attention. 

I request that the credit card holder provide the following : Provide clear instructions on how to verify my XXXX XXXX account Expedite the transfer process to ensure my mortgage payment can be made Improve your customer service response times for urgent financial matters Please contact me at XXXX at your earliest convenience to resolve this matter. 


XXXX XXXX

Company response to consumer: Closed with explanation