vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 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: MI

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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:
I have disputed Numerous of times in regarding inaccurate information being reported to my credit report and have been met with constant denials. I ask the cob to investigate this matter with the bureaus and also ask they they provide proof of anything I have recently disputed in regards to 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 2025-05-01 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Date : XX/XX/XXXX To Whom It XXXX Concern : Subject : Dispute of Fraudulent Accounts Due to Identity Theft and Data Breach with XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX  XXXX XXXX Data Breach, XXXX data breach, and XXXX. 
I am writing to formally dispute an account fraudulently appearing in my credit report for XXXX XXXX XXXX XXXX. I did not open these accounts or authorize anyone else to do so. These accounts result from identity theft, and the information reported is not accurate or authorized by me and must be removed from my credit file and your reports immediately. 

The following accounts are not mine : XXXX. Creditor Name : XXXX XXXX  Bank Account Number : XXXX Date Opened : Balance : {$590.00} XXXX. Creditor Name : XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : XXXX XXXX. XXXX XXXX : XXXX Account XXXX : XXXX XXXX : {$920.00} / {$600.00} XXXX. Creditor Name : XXXX XXXX Account Number : XXXX Balance : XXXX {$500.00} XXXX. Creditor Name : XXXX XXXX Bank, XXXX Account Number : XXXX Balance : {$460.00} XXXX. Creditor Name : SYNCB/ Belk Account Number : XXXX Balance : $ XXXX {$200.00} XXXX. Creditor Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$350.00} Credit XXXX XXXX Account Number XXXX Balance {$210.00} Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting that you : XXXX. XXXX a thorough investigation into these accounts. 
XXXX. Documentation bearing my signature shows that I agreed to pay this alleged debt. 
XXXX. A copy of the original application or agreement that grants any party the right to collect or report on this alleged debt. 
XXXX. Do not contact me until I have received the requested documentation. 
XXXX. Remove any information related to these fraudulent accounts from my credit report. 
XXXX. Cease reporting these accounts to any credit bureau or third party. 
Please be advised that a failure to comply with this request XXXX result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. I also reserve the right to pursue legal action to protect my rights under federal and state law. 
I expect written confirmation that these accounts have been removed, along with an explanation of your findings, within 30 days of the date of this letter via mail only. 
Sincerely, 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 2025-05-01 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: U.S. BANCORP
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : Subject : Dispute of Fraudulent Accounts Due to Identity Theft and Data Breach with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I am writing to formally dispute an account fraudulently appearing in my credit report for XXXX XXXX XXXX XXXX I did not open these accounts or authorize anyone else to do so. These accounts result from identity theft, and the information reported is not accurate or authorized by me and must be removed from my credit file and your reports immediately. 

The following accounts are not mine : 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 U.S Bank Account Number : XXXX Balance : XXXX {$500.00} 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 Balance {$210.00} Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting that you : XXXX. Conduct a thorough investigation into these accounts.

2. Documentation bearing my signature shows that I agreed to pay this alleged debt.

3. A copy of the original application or agreement that grants any party the right to collect or report on this alleged debt.

4. Do not contact me until I have received the requested documentation.

5. Remove any information related to these fraudulent accounts from my credit report.

6. Cease reporting these accounts to any credit bureau or third party.

Please be advised that a failure to comply with this request may result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. I also reserve the right to pursue legal action to protect my rights under federal and state law. 
I expect written confirmation that these accounts have been removed, along with an explanation of your findings, within 30 days of the date of this letter via mail only. 
Sincerely, 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 2025-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
Merchants have returned money and SoFi has withheld information and kept money for themselves and denying me my money back for Dispute SoFi ] Re : Re : Dispute XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In XX/XX/XXXX, I filed a Regulation E dispute with Wells Fargo regarding unauthorized charges made by XXXX Ads. My ad was originally disapproved due to XXXX in XX/XX/XXXX. XXXX later sent an email on XX/XX/XXXX stating the ad was approved but I was never notified that the ad would be launched, and my dashboard still showed " disapproved. '' I never resumed or configured the campaign. 

XXXX ran the ad without my authorization, causing unapproved charges. The ad was not optimized, and I never received any benefit from it. Worse, XXXX billed me for international regulatory fees ( XXXX, XXXX, XXXX, XXXX ) despite the fact that I only operate locally and never selected or configured international targeting. 

I provided this evidence to Wells Fargo. The claims rep stated ( on a recorded call ) that the decision was based on the fact that I " received a service. '' But that completely ignores my Regulation E right to dispute unauthorized electronic fund transfers. Wells Fargo never asked me for documentation, and closed the case without a proper investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: TX

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-04-30 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: TN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Account Name : XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$2900.00} Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$960.00} Account Name : XXXX & XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$670.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$110.00} Account Name : XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$1000.00} Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$1200.00} XXXX XXXX : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX EQUIFAX INQUIRIES : XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: Aqua Finance, Inc.
State: FL

Complaint narrative:
I purchased a water softener system. The dealer presented financing thru Aqua finance. The finance agreement did not disclose terms, payment duration, or how the interest charges accrue. The amount financed was {$7800.00}. Before the first billing was due the balance was increased to {$7900.00} due to interest. After XXXX payments of {$100.00} my current balance is {$7400.00}. {$1100.00} paid and the balance dropped less than {$410.00}. Very deceptive financing. I did request a copy of the finance agreement and loan amortization a month ago and still can't get them to respond to my request. I've attached the first and most recent bill for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Phone : ( XXXX ) XXXX XXXX : XX/XX/XXXX SSN ( last 4 digits ) : XXXX Email : XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXX  XXXX, TX XXXX Equifax XXXX. XXXX XXXX, XXXX, GA XXXX Subject : Formal Dispute Request for Deletion of All Late Payment Notations from Credit File Dear Dispute Department, I am writing to formally dispute all late payment entries being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), I am asserting my rights to have outdated, inaccurate, or unverifiable negative information removed. 

Specifically, I am citing : 15 U.S.C. 1681c ( a ) ( 5 ) which limits the reporting of late payments to seven ( 7 ) years from the original delinquency date 15 U.S.C. 1681e ( b ) which requires credit reporting agencies to maintain maximum possible accuracy in all reported information Upon reviewing my credit reports, I have identified multiple accounts reporting late payments that either : - Exceed the 7-year reporting limit- Are inconsistent or unverifiable in their delinquency status - Reflect payment errors on accounts that were otherwise paid or closed -- - # # # I am disputing late payments reported on the following accounts : XXXX. XXXX XXXX ( Account ending in XXXX XXXX XXXX XXXX XXXX  ( Account ending in XXXX ) XXXX. XXXX XXXX XXXX ( Accounts ending in XXXX and XXXX ) XXXX XXXX XXXX XXXX XXXX  Account ending in XXXX ) XXXX. XXXX XXXX ( Account ending in XXXX ) XXXX. XXXX XXXX ( Account ending in XXXX ) XXXX. XXXXXXXX XXXX XXXX  Account ending in XXXX ) XXXX. XXXX XXXX ( Account ending in XXXX ) XXXX. XXXX ( Accounts ending in XXXX and XXXX ) -- - These derogatory marks are negatively affecting my creditworthiness. I respectfully request that each late payment entry be fully verified for accuracy and legal compliance. If the information can not be verified or is found to be inaccurate, I request that the entry be permanently deleted from my credit reports. 

Enclosures : Copy of government-issued ID Proof of address Credit report entries Please provide written confirmation of your reinvestigation / deletion and a corrected copy of my credit report within 30 days as required under FCRA guidelines XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
I am reporting Citi Bank and its travel platform ( Citi XXXX XXXX ) for deceptive practices and failure to provide services purchased with both reward points and out-of-pocket funds. 

Here is what happened : I redeemed Citi XXXX Points to book XXXX international airline tickets through Citi XXXX. 

I paid {$370.00} extra for a Main Cabin upgrade for both passengers. 

I also paid for seat selection fees, after being told by Citi XXXX that they would be reimbursed or available for free. 

Citi XXXX was unable to assign seats in advance or make any changes to the booking, even though I contacted them repeatedly before the trip. 

I have emails showing that I tried resolving the issue before the flight, and was only given vague, unhelpful answers until it was too late. 

My boarding passes show I was placed in Economy class ( World Traveler ), not the Main Cabin service I paid for. 

XXXX XXXX told me they could not help me because the tickets were sold through a third-party vendor affiliated with Citi. 

I have retained : Citi credit card billing statements with upgrade charges Email threads with Citi XXXX customer service My boarding passes and receipts for seats Citi misled me about what I was purchasing, failed to deliver the promised service, and refused to issue a refund. This is both a violation of fair financial practices and poor customer treatment.

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 monetary relief
Consumer complaint received 2025-05-01 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: NY

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 non-monetary relief
Consumer complaint received 2025-05-01 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: NY

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. 
XXXX XXXXXXXX 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 2025-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
The loan amounts are incorrect that were taken out ( I have two loans ). Then theres a completely separate loan that isnt mine at all but it states that it was on the same day that I did apply for a loan. I reported to the lender and XXXX I reported to my institution and the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: MD

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 response to consumer: Closed with non-monetary relief