vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 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: AL

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: AL

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I am submitting this complaint because XXXX XXXX XXXX is attempting to collect a debt they say originated from Mattress Firm, financed through Synchrony Bank. They have threatened to sue me, as of today, XX/XX/year>. 

I have never received any proper validation or verification of this debt. XXXX continues to send letters and threatens to sue me, but I have not been provided with : A breakdown of the amount owed Proof that they legally own or are authorized to collect the debt Any documentation identifying Synchrony Bank or my original account Most concerning, I received a document in the mail that looked like a court summons or legal filing. It included no court seal, no case number, and no judges signature, yet it gave the impression I was being sued. This was very distressing and misleading. 

I believe this violates my rights under the Fair Debt Collection Practices Act. I should not be threatened with legal action for a debt that has not been properly validated.

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 2025-06-03 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am a Wells Fargo member & have been for a while. Today i deposited XXXX checks total amounting to {$900.00} on Monday XX/XX/XXXX of XXXX  around XXXX PM XXXX XXXX XXXX  atm, i attempted to take out {$900.00} cash which i have available in my account and as it was processing getting ready to hand me money the ATM malfunctioned & directed me to go to a different atm because it was out of cash i attempted to take the money out from the atm located at the front but immediately got declined for safety measures. I then realized the {$900.00} was missing from my account from the first transaction of attempting to withdraw money when the error happened, i then called customer service to help resolve this issue & get my money back in the account and i just got tossed around to different lines all of them letting me know that since the money was pending there is nothing they can do until then and once its posted only then will they be able to file a claim which can take up to 10 days as a consumer i feel this is unfair as the money is urgently needed and they should be able to expedite this as quick as possible being that this is an error from there side on a machine they own/maintain.

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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/year>, I submitted a formal dispute to TransUnion regarding inaccurate and fraudulent late payment notations being reported on my consumer credit report. Specifically, late payments were recorded for the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have never been late. All payments were made on time and in full, on or before the respective due dates. The late notations are false, misleading, and in direct violation of my rights under federal law. Additionally, the creditor failed to provide documentation proving that billing statements were sent at least 21 days prior to the due date, as required by 15 U.S. Code 1666b ( a ).

Furthermore, under 15 U.S. Code 1681a, a consumer report should not include transaction data between the consumer and the reporting agency. TransUnion has improperly reported private transactional data and misused scoring systems like XXXX and XXXX, which are not statutorily authorized as components of a consumer report. 

These violations have caused significant harm to my creditworthiness, character, and personal livelihood. I am requesting a full correction of these inaccuracies.

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 2025-06-03 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( XXXX ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( XXXX ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : 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 2025-06-03 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: PA

Complaint narrative:
I am writing to express serious concerns about multiple inaccuracies identified in my credit report. Upon careful review, I have found several discrepancies, including incorrect account entries, inaccurate account details, inconsistent billing information, unauthorized inquiries, and accounts that do not belong to me. These errors are negatively affecting my financial well-being and require immediate attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: GA

Complaint narrative:
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX SSN : XXXX | DOB : XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX Re : Metro 2 Compliance Dispute | Confirmation XXXX XXXX To Whom It May Concern, Please reinvestigate the accuracy of the following account, which contains Metro 2 data-field errors : * * XXXX XXXX XXXX * * Acct # XXXX XXXXXXXX ( Collection, {$620.00} ) Trade line is coded Closed, yet it still shows a * * balance and past-due amount * *. 
Payment grid continues to report C codes after closureMetro 2 requires payment history to cease once a collection is closed and balance is {$0.00}. 

Kindly delete or properly update this trade line within 30 days and provide me with an updated report or complete verification data. 

Thank you. 

Sincerely, ______________________________ XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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:
In your correspondence dated [ XX/XX/year> ], you stated that the disputed item was verified as accurate. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I am requesting the following : 1. Method of Verification : Please provide the specific method and procedures used to verify the accuracy of the disputed information.

2. Data Furnisher Details : The name, address, and contact information of the entity that supplied the disputed information to your bureau.

3. Proof of Investigation : Documentation and evidence supporting your investigation and your conclusion that the information is accurate.

Under the FCRA, you are required to provide this information within 15 days of receipt of this letter. Failure to do so will constitute a violation of 15 U.S.C. 1681i Furthermore, please note that if the disputed account ( s ) can not be verified or substantiated with documented proof, they must be deleted from my credit report in accordance with 15 U.S.C. 1681i ( a ) ( 5 ).

I appreciate your prompt attention to this matter. I look forward to receiving your response within the timeframe prescribed by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: OH

Complaint narrative:
I am submitting this complaint regarding the reporting practices of XXXX XXXX XXXX  concerning a closed line of credit ending in... XXXX. 

This account was opened on XX/XX/XXXX, with a credit limit of {$100.00}. The high balance reported was {$250.00}. The last payment was made on XX/XX/XXXX, and the account was closed on XX/XX/XXXX. As of the most recent credit report dated XX/XX/XXXX, the account shows a {$0.00} balance. 

This account was included in a bankruptcy filing and should have been updated to reflect that it was discharged and included in bankruptcy. However, the account was inaccurately reported and only later changed to " paid, closed, and included in bankruptcy. '' This correction occurred only after multiple disputes. 

I am requesting that this account be fully removed from my credit report or permanently and correctly updated to reflect that it was paid, closed, and discharged in bankruptcy. Continued reporting may constitute inaccurate or misleading information in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Under the FCRA, I have the right to have information that is inaccurate, incomplete, or unverifiable removed or corrected in a timely manner. XXXX XXXXXXXX XXXX delayed and inconsistent reporting has negatively affected my credit standing and ability to obtain new credit. 

I am requesting a full investigation and resolution. Please confirm that the account is either removed or permanently corrected on all credit reports with all nationwide credit reporting agencies.

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 2025-06-03 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: OH

Complaint narrative:
I am submitting this complaint regarding the reporting practices of XXXX XXXX XXXX  concerning a closed line of credit ending in... XXXX. 

This account was opened on XX/XX/XXXX, with a credit limit of {$100.00}. The high balance reported was {$250.00}. The last payment was made on XX/XX/XXXX, and the account was closed on XX/XX/XXXX. As of the most recent credit report dated XX/XX/XXXX, the account shows a {$0.00} balance. 

This account was included in a bankruptcy filing and should have been updated to reflect that it was discharged and included in bankruptcy. However, the account was inaccurately reported and only later changed to " paid, closed, and included in bankruptcy. '' This correction occurred only after multiple disputes. 

I am requesting that this account be fully removed from my credit report or permanently and correctly updated to reflect that it was paid, closed, and discharged in bankruptcy. Continued reporting may constitute inaccurate or misleading information in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Under the FCRA, I have the right to have information that is inaccurate, incomplete, or unverifiable removed or corrected in a timely manner. XXXX XXXXXXXX XXXX delayed and inconsistent reporting has negatively affected my credit standing and ability to obtain new credit. 

I am requesting a full investigation and resolution. Please confirm that the account is either removed or permanently corrected on all credit reports with all nationwide credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: WI

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investegate thus and fix it. I'm really sick and tired of these XXXX. Should there be any updates on my inquiries, I'm gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investegate thus and fix it. I'm really sick and tired of these XXXX. Should there be any updates on my inquiries, I'm gon na go to court

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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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:
b"I am a victim of identity theft, and the impact on my life has been devastating. My credit report is filled with accounts and inquiries that I never authorized and do not recognize as mine. These fraudulent activities have severely damaged my credit history, created financial chaos, and caused me immense emotional and psychological distress. I urgently plead with you to take immediate action to BLOCK and permanently REMOVE all unauthorized accounts and inquiries related to this identity theft. This includes the following accounts:XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 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 2025-06-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC.
State: MO

Complaint narrative:
On XX/XX/year>, while using the SOFI investment app I purchased XXXX shares of XXXX XXXX common stock ( XXXX XXXX XXXXXXXX ) .at {$11.00} per share. Moreover, from XX/XX/XXXX thru to XX/XX/XXXX, the stock posted the following gains at closing : XX/XX/XXXX - {$11.00} closing price - Loss of {$9.00} XX/XX/XXXX - {$11.00} closing price - Loss of {$57.00} XX/XX/XXXX - {$11.00} closing price - Loss of {$66.00} XX/XX/XXXX - Market Closed XX/XX/XXXX - Market Closed XX/XX/XXXX - {$11.00} closing price - Gain of {$42.00} Correct net loss of {$90.00} However as of closing today, SOFI XXXX has my account at a net loss of {$260.00}. A substantial discrepancy ( a SOFI XXXX  error ) of {$170.00}. 

I strongly suspect SOFI XXXX  of cheating small investors ( like myself ) on a consistent basis. I truly believe this simply because I have discovered similar errors throughout my investment account ( prior to ) this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I informed equifax that I was retired and they keep putting unemployed on my credit report and every time a creditor looks at my report they lower my credit amount causing me a lot of damage also keep out dated inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PINNACLE RECOVERY, INC.
State: PA

Complaint narrative:
I have a credit monitoring service and was out of the blue made aware that i was placed into collection by a company called Pinnacle, I have have never done business with this company and do not have any mail, or communication with them. I am disputing this collection on my credit as i never engaged in business with this company. They put on my credit that i owe them a Past Due balance of {$1900.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investegate thus and fix it. I'm really sick and tired of these XXXX  Should there be any updates on my inquiries, I'm gon na go to court

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