vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I sent a payment to Synchrony Bank on XX/XX/XXXX. The creditor did not post my payment, I contacted them XX/XX/XXXX to inquire about my payment and I was told the payment had been received but sometimes it can take up to 30 days to post because I used " snail mail '' to send the payment. 

I waited until my 30 days were up and contacted Synchrony again to inquire about my payment. On this occasion the filed a dispute on my behalf, I was told that I would need to upload proof of payment documents to their website, I could follow the link of the website to do so. I check the website on multiple occasions, there was never a dispute online and I was unable to upload the documents. 

On XX/XX/XXXX, I received an online correspondence that they were unable to locate my payment and reversed the temporary credit I received. I immediately contacted Synchrony Bank again and opened a new dispute. I received a letter on XX/XX/XXXX requesting additional information, this time I was able to fax a copy of my check and a copy of my statement documenting the processing of this check. I have since received another online correspondence indicating that Synchrony is unable to locate my payment, my temporary credit has once again been reversed and I have a balance due of {$3500.00}!

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 2025-03-27 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I made on XX/XX/year> {$920.00} payment to my credit card payment from my credit union account. There was a glitch with my credit union that caused the payment to be returned. 

I called Barclay 's and they advised me to get a letter from my credit union and they would refund the return payment fee. I obtained the letter from the credit union showing I had sufficent funds in my account and the return was an error on their side. Barclays said they wouldn't accept the letter and they issued a {$30.00} statement credit. 

Since then, every payment I have made has been placed on hold. Money has been debited from my bank account where it was earning interest, sent to Barclays and put on hold for 7 business days without earning interest and without being available for me to use on my credit card. 

I've called in several times and even had Barclay 's call my bank to verify the money has cleared and they continue to keep my money on hold and not allow me access to use the available funds on my credit card. 

If Barclays is going to debit my account and hold my money, in excess of thousands of dollars, I should be able to earn interest while the money is in a pending status due to their payment holds or the money should be available for me to use on my credit card. 

I have been an outstanding customer of Barclays for many years and this is the first instance of ever having a returned payment for a very low amount considering the amount of money I charge on my credit card. 

I've been met with very little to no customer service to try and rectify this issue or allow me access to use the money on my credit card.

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 2025-03-27 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: MO

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

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 2025-03-27 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:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am writing to formally dispute inaccurate items on my credit report. Under the Fair Credit Reporting Act ( FCRA ). I believe that Experian, Equifax & Transunion has failed to comply with its legal obligations, resulting in negligence and harm to me.

Under 15 U.S. Code 1681o, an entity that negligently fails to comply with the requirements of the FCRA is liable for damages, including attorneys fees. The violations in my case include but are not limited to : Failure to properly investigate my dispute regarding [ describe the issue, e.g., an erroneous debt or incorrect personal information ]. 

Failure to maintain accurate records and ensure fair reporting practices. 

Failure to provide proper notification regarding the outcome of the dispute process. 

As a direct result of these failures, I have suffered financial loss, stress and credit denials. I am demanding the following corrective actions be taken immediately : XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXXXXXX XXXX account # XXXX A full investigation and removal/correction of the inaccurate information. 

A written statement confirming the resolution of this matter. 

Compensation for damages as provided under 15 U.S.C. 1681o, including legal costs if necessary. 

If this issue is not resolved within 30 days, I will have no choice but to escalate the matter through legal channels. Please consider this letter a formal notification of your non-compliance and an opportunity to rectify the situation before further legal action is taken.

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 2025-03-27 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: FL

Complaint narrative:
There are multiple inaccuracies on my credit report that must be removed without delay. Some contain incorrect details that do not match my records, others are entirely unfamiliar, and several have been reported without proper verification. These discrepancies violate the FCRA, which requires all information to be 100 % accurate and backed by legitimate documentation. 

To resolve this matter fairly, I demand that all inaccurate items be permanently removed from my credit report. If the reporting entities can not provide legitimate proof confirming their accuracy, they have no legal right to remain on my file. I expect immediate corrective action to restore the integrity of my credit profile.

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 2025-03-27 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: NJ

Complaint narrative:
I am writing to follow up on my previous correspondence, regarding the inaccurate items that appear on my credit report. As I stated before, I am deeply concerned about the presence of unrecognizable information on my report, and I know it is essential to reiterate the gravity of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to follow up on my previous correspondence, regarding the inaccurate items that appear on my credit report. As I stated before, I am deeply concerned about the presence of unrecognizable information on my report, and I know it is essential to reiterate the gravity of this matter.

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 2025-03-27 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-27 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: AZ

Complaint narrative:
I pulled a copy of my most recent credit report and notice that I have been a victim of identify theft. There are hard inquires in my name that I did not authorize. I ask that these items be removed and corrected from my credit report within 4 days. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2025-03-27 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: Nelnet, Inc.
State: CA

Complaint narrative:
I don't believe I was adequately informed about my student loan delinquency. I recieved 3 calls from nelnet between XXXX & XXXX. No physical mail, no emails, no voicemails. I was unaware of exactly when my loan repayment was to resume. The representative I spoke to from Nelnet ( XX/XX/XXXX ) had informed me that I was delinquent 140+ days, but that doesn't make sense. That means I was supposed to start repaying in XX/XX/XXXX, but before my loan switched over from great lakes to Nelnet, It said that I did not have to pay until sometime XXXX. As a result of this, my credit score dropped 165 points. This is after 10 years of credit history never missing a payment. Something must be done about this. I know there are 1000 's of other postgrad students in the same situation as me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: NJ

Complaint narrative:
I need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

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 2025-03-27 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: GA

Complaint narrative:
Equifax continues to report a fraudulent and unauthorized collection account ( N/A XXXX ) on my credit report, despite multiple disputes Ive submitted XXXX XXXX and XXXX have already deleted this account, but Equifax continues to verify it without providing any legitimate documentation or proof of validity. Whats even more alarming is that this account lacks the name of the collection agency or creditor, which violates the requirement of maximum possible accuracy under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ). By omitting this critical information, the account can not be verified properly, and therefore, should not be reported at all. Because this is a collection account, it also falls under the Fair Debt Collection Practices Act ( FDCPA ), and the collector is required under 15 U.S.C. 1692g ( b ) to provide proper validation of the debt once it has been disputed. To date, no such validation has ever been provided. Under 15 U.S.C. 1692e ( 8 ), it is illegal for a debt collector to report a disputed debt without disclosing that it is disputed and yet this continues to happen. By publishing this account WITHOUT CLEAR CREDITOR IDENTIFICATION OR PROPER DISCLOSURE, Equifax is enabling the violation of both the FCRA and FDCPA. Additionally, Equifax is failing to comply with 15 U.S.C. 1681i, which requires a reasonable reinvestigation of any disputed information. Simply verifying this account without identifying the source or providing documentation does not satisfy that legal obligation. Further, this account is being reported without my authorization or written consent, in direct violation of 15 U.S.C. 1681b ( 2 ). This unauthorized collection is false, unverifiable, and incomplete, and it continues to harm my credit score, financial standing, and ability to access housing and loans. I should not be subjected to continued damage due to Equifaxs refusal to comply with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: IL

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief