vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 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: NV

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 2025-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am filing this complaint against Synchrony Bank for their mishandling of a payment for failing to return the remaining balance of funds in my account after acknowledging the issue. 

Synchrony failed to process or secure this payment and has not refunded or returned the remaining funds tied to that check. Their actionsor lack thereofhave created an unnecessary financial burden Electronic Fund Transfer Act ( EFTA ) 15 U.S. Code 1693 et seq. 

Synchrony Bank had a duty to ensure safe processing of transactions and to correct errors promptly. Their failure to return my remaining funds violates 1693f, which requires financial institutions to investigate and resolve consumer complaints and errors. 

Fair Credit Billing Act ( FCBA ) 15 U.S. Code 1666 Under the FCBA, I have the right to dispute billing issues and request corrections. Synchrony Bank failed to properly apply or account for my payment and has not provided sufficient evidence of handling the dispute properly. 

Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) 12 U.S. Code 5531 The banks failure to safeguard my payment, communicate timely, or refund the remaining funds constitutes an unfair and abusive financial practice under federal law. 

Truth in Lending Act ( TILA ) 15 U.S. Code 1601 et seq. 

Synchrony is required to provide accurate billing and account handling. Losing my check and refusing to return funds may violate 1637 related to account disclosures and 1640 on civil liability.

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 2025-06-05 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: NV

Complaint narrative:
Opened account # XXXX with XXXX XXXX for {$2100.00} XX/XX/XXXX and closed account on time XX/XX/XXXX. Didn't miss any payments. On only my Experian credit report it shows open for {$170.00}. My payments were never even exactly {$170.00} so that is literally impossible. They were {$170.00} plus some change every month coming directly out of my check. I contacted XXXX and they said it shows closed properly on there end and that they would send me a email that I can send to another number to verify which they never sent. They said it would take XXXX business days for an email to reach me about it which is clearly XXXX. This ain't XXXX  years ago and email is not that slow. When I pay something off it's the business job to make sure the information is reported correctly not mine. When I disputed it with Experian they just said they were going to leave it on there. That means nobody did any work to find out if it should be on there. It doesn't show up on any of my other credit reports except Experian. They are purposely trying to mess up my credit. I am a military veteran with XXXX and they are sending my XXXX into volatile levels having to deal with all of this nonsense. They need to be sued for malpractice. Everything in my life has been affected by leaving this fraudulent amount on my credit reporting. I only found this information out when I applied for a VA XXXX XXXX. It shouldn't take having to jump thru fire to remove something that should have never been on my credit report in a negative light.

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 2025-06-05 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: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
I was a victim of a scam involving purchasing gifts cards and transferring money between accounts in 2021. The banking institutions involved were XXXX XXXX and XXXX. I disputed the transactions with XXXX XXXX and they reversed the transactions due to the situation involving psychological manipulation. When I called to dispute a {$5000.00} overdraft ( because the scammer canceled their deposit into my account ) with XXXX, I was told that because the money was transferred out of the account, there was nothing they could do about it. I am now unable to open another bank account and have been deemed a high financial risk ( account abuse ) because of this situation.

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 2025-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
Our checking account as of XX/XX/XXXX started getting g money taken out that was not authorized by either myself or my husband someone was stealing our money out of our account and had access to the online banking information that myself or my husband do not give out to no one .. these were all done either during our working hours with no phone service or late at night when we are asleep and still have no access phone or any device wise to make these transactions I reported ALL OF THESE transactions as they were happening it kept happening Wells Fargo came back with in, ins banking sessions was used but that was impossible device wise for either of us to do this .. kept going on and on like that until XX/XX/XXXX when I got XXXX XXXX involved to find out if my husbands phone or mine was compromised and learned my device was SIM SWAPPED meaning someone had acces to my phone all passwords and online banking I have a police report at which was investigated on our where abouts when ALL of these where happening it was NOT possible where we were for us to do these and neither of us know any of these people ever heard of them filed the first claim and Wells Fargo came back with XXXX back and using the fact that the transactions older then 60 days were not reported timely and ALL of the. Where reported as they were happening as we were gone for two weeks at a time out of phone service to do so but I reported all of them either over the phone will Wells Fargo fraud or at the local branch .. out account is insured and at the time the XXXX came back it all should of been back its theft .. the whole amount was XXXX in total over period of time that was stole from us Im not taking {$11000.00} hit with a lame excuse they were not reported timely that is an excuse that Im not accepting that XXXX as a final result Wells Fargo is liable for the funds missing Also XXXX was not done by either of us either attached

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 2025-06-05 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: NV

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 explanation
Consumer complaint received 2025-06-05 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: TX

Complaint narrative:
I recently identified fraudulent accounts on my credit report following a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I demand they be blocked and deleted within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX delete and block the following accounts from my credit report Accounts XXXXXXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: IL

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eagle Financial Services, Inc.
State: OH

Complaint narrative:
Debt validation To Whom It May Concern, I am writing in response to your recent communication regarding an alleged debt. Please be advised that I am requesting validation of this debt as provided for by the Fair Debt Collection Practices Act, XXXX U.S.C. XXXXg. 

Eagle loan company XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: FL

Complaint narrative:
On XX/XX/year>, I received a notification indicating my student loan payment of {$1300.00} was past due for XX/XX/year>. As shown in the attached documents, the payment was sent electronically and cleared on XX/XX/year>. My bank, Bank XXXX XXXX, has made multiple attempts to contact MOHELA XXXX Missouri XXXX XXXX XXXX XXXX ), but was unsuccessful. I made attempts to contact MOHELA through their portal, but only received a basic canned response. 

As of today, MOHELA successfully processed my XX/XX/year> student loan payment which is odd given that I made no adjustments to the account information, submission criteria, payment date, etc. 

I would appreciate your attention to this matter. I can only hope this is an isolated incident. This is the first instance in the XXXX years Ive been paying on my student loan that there has been an issue with submitting my student loan payment. Given the current political climate, I hope this is not an attempt to inflate the number of student loan borrowers in default. 

Thank you for your time! 

P.S. My attachment includes the following in this order : 1. Initial letter from MOHELA indicating my loan payment was past due.

2. Transaction details from Bank XXXX XXXX indicating my payment was cleared on XX/XX/year>. 
3. My communication with XXXX  XXXX XXXX. 
4. My communication with MOHELA. 
5. Subsequent letter from MOHELA indicating my account was still past due by XXXX payment indicating my XX/XX/year> was received, but my account wasn't fixed after being notified about the XX/XX/year> payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Portfolio Recovery Associates continues to call my phone to collect a debt that I believe is time-barred. Although they did send a letter verifying the debt, the last activity on the account occurred several years ago and is beyond the statute of limitations for collection in my state. 

I sent a formal cease and desist letter requesting that all communicationespecially phone callsstop immediately. Despite this, they continue to contact me by phone, which I find harassing and in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

These repeated calls are causing distress, and I am submitting this complaint to report their failure to comply with my cease communication request and to formally document their attempt to collect on a legally uncollectible debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX XXXX, XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-05 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: TX

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXXXXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  XXXX on XX/XX/XXXXXXXX  under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX  under the account number XXXX and a collections account opened at XXXX  XXXX on XX/XX/XXXXXXXX  with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Perpay, Inc.
State: FL

Complaint narrative:
I contact perpay for the las 3 or 4 months regarding non auth transactions on my credit card and confirm whit the merchXXXX XXXX I do not have any business whit them or any transaction and perpay refuse to remove the charges they make me pay for those and today I got again the same charges when I replace the card 3 times I file again a claim whit perpay but I'm done whit this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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