vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 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: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I opened a new complaint against Synchrony because they did exactly what I said in my other complaint. I wasn't finished with my complaint so what right do you have to close it when the person complaining has not received satisfaction? I didn't get it out of my mouth good and here we go with the charges again. I want this company investigated and their licenses or whatever yanked because they have no idea what they are doing and they do not need to be in the financial business when they can't add and subtract. First grade stuff! 
Case ID XXXX : Notice of debit XXXX To : me Sun, XX/XX/XXXX at XXXX XXXX Visit site Message Body Hello, XXXX XXXX XXXX PayPal XXXX debited your account Our records indicate that you received a duplicate credit for the following transaction. 

Dispute Case ID XXXX Transaction Amount {$67.00} USD Dispute Amount {$67.00} USD Transaction ID XXXX Transaction Date XX/XX/year> Because you received duplicate refunds for the same transaction, we have debited {$67.00} USD from your PayPal account. 

If this debit has made your balance negative, please log in to your PayPal account and add money to your balance. 

To add money, simply log into your PayPal account and click Add Money on your Account Overview page. 

Thank you for your patience during this process. We appreciate your business.

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 2025-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: MORGAN STANLEY & CO. LLC
State: LA

Complaint narrative:
Dear E * TRADE Customer Service, Since XX/XX/XXXX, both of my accounts have been restricted and I have been unable to access or use my funds. Nearly {$3000.00} of my money is frozen, and this ongoing restriction is now causing me significant financial harm. 

I have complied with every verification request you have made, including : Verified my Chase account via a XXXX call Verified my XXXXXXXX XXXX  account via a XXXXXXXX call Submitted bank statements as requested Uploaded my XXXX XXXX XXXX statement Despite completing these steps, my account remains on hold. Each time I provide the requested documents, I am asked for something else, with no resolution. This is unfair and unacceptable. 

I urgently need clarity on exactly what is required to unfreeze my account. Please contact me directly at XXXX to explain what final documentation or steps are needed. 

I have already begun submitting complaints with the CFPB and will continue to escalate if my money is not released. I expect immediate action and resolution of this matter. 

This situation is completely unfair and wrong. If your institution is unable to efficiently process and verify routine transfers of a few thousand dollars, it raises serious concerns about your ability to properly serve your customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
On XX/XX/year>, I contacted Synchrony Bank/XXXX  XXXX  XXXX  to pay off Credit card. I was told XXXX would pay off Card to a XXXX balance. On XX/XX/year>, at XXXX XXXX, I received a telephone call that had an automated message clearly stating that this was an attempt to collect a debt and I was to call Synchony Bank. I called them and they reported to me that I had an existing balance of XXXX. The person I initially spoke to stated it looked like yes, I paid off my account, but I didn't pay off the fees. I had to elevate this and asked to speak to a manager. I asked the manager how can I have fees, if I just requested to pay this account off? She responded that they dont operate like a bank or a mortgage company and that I needed to use the monthly statement in order to pay off an account. I reported that I have not gotten a statement nor did I get an email as I always did previously prior to the bill being due. I expressed that I was displeased that it took 45 days to say something. I directed this account to be closed and I paid the XXXX. Then conveniently on Saturday XX/XX/year>, I received a statement for my pay off on XX/XX/year>.

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 2025-09-22 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 am contacting you to dispute the reporting of an unauthorized hard inquiry on my credit file. I have no relationship with the reporting entity, nor have I initiated any transaction that would authorize access to my credit information. The presence of this inquiry not only damages my credit score but also raises concerns about potential misuse of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: PA

Complaint narrative:
On XX/XX/XXXX I started receiving emails from Acima stating I had been approved to lease up to {$3000.00}. I did not initiate this. On XX/XX/XXXX I got a thank you for your initial payment which I did not pay. Acima emails were using my name and email but was not initiated or approved by me. My banking information showed no evidence of payments made. My credit report also did not show any loans or leasing. I froze my credit. Every attempt made to call Acima resulted in being turned away by the answering service because my information didn't match any accounts. I tried to submit acima fraud but they said I needed a police report and bank statements. I was not turning over my bank statements and I was also thinking this was a scam. On XX/XX/XXXX I received a call from a debt collection agency. When I tried to call back I never could get in contact with a real person. It was always an answering machine. On XX/XX/XXXX I received a debt collection text message about my Acima account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: CA

Complaint narrative:
[ XXXXXXXX XXXX, XX/XX/year> ] ky : Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate. 
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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 2025-09-22 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: IL

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-09-22 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: FL

Complaint narrative:
I had a look at my credit report and notice unauthorized credit inquiries and a fraudulent account open with XXXX XXXX also know as XXXX. Contacted the companies and the credit bureaus but no actions were taking. I was told to file an identity thief report, so I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I had a look at my credit report and notice unauthorized credit inquiries and a fraudulent account open with XXXX XXXX also know as XXXX. Contacted the companies and the credit bureaus but no actions were taking. I was told to file an identity thief report, so I did.

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 2025-09-22 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: MS

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: MS

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-09-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: DE

Complaint narrative:
Due to a banking issue that retroactively caused my account to become in default, USAA repossessed my vehicle on XXXX. Then when I complied with the reinstatement terms they themselves extended in a Letter of Intent pursuant to UCC Article 9 they refused performance. The letter was sent on XX/XX/XXXX and stated I had 10 days to reinstate the loan by paying the past due balance. I attempted to pay on XX/XX/XXXX and they refused me. 

Specifically : -The LOI offered a reinstatement option if I paid the past-due balance within a set timeframe. 

-I called USAA with funds ready to reinstate during the valid window. They refused to accept payment, stating the account had been charged off " during the reinstatement window set in writing in the LOI ( charge off date was XX/XX/XXXX ). 

-A charge-off is an discretionary internal accounting classification and does not erase or override consumer rights granted under Article 9. Using it as a basis to deny performance of reinstatement they offered in writing is promissory estoppel and a deceptive practice. 

-I repeatedly requested clarification on how they could nullify reinstatement rights with a charge-off. Instead of addressing this, they cited policy and procedure and avoided answering. 

- I cited the compliance issues in emails to leadership as well a certified letter and during back and forth phone communications with the CEO office member handling my case- The froze the sale of my vehicle but items that were with in it seem to have been stolen -They did offer a settlement but continued to refuse reinstatement instead demanding {$25000.00} as a lump sum rejected a counter offer of reinstatement at the same price point USAAs refusal to honor their own written terms constitutes bad faith ( violating UCC Article 1 ) and undermines Article 9 compliance. It also taints the repossession, which makes any related credit reporting inaccurate and unlawful under the FCRA. 

I am requesting regulatory review of USAAs practices, specifically their use of discretionary charge-off accounting to deny compliance with consumer protection rights and their refusal to honor reinstatement after extending it in writing.

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 2025-09-22 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:
Under the Fair Credit Reporting Act, section 1681g, you must delete the disputed items within 15 days.

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 2025-09-22 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: MI

Complaint narrative:
This letter is a formal dispute of the late payment currently appearing on my credit report. This information is incorrect and does not match my verified history of timely payments. Its reporting is unjustified, harmful, and requires immediate correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: IL

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-09-22 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: WI

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-22 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:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made. 

I have reviewed my credit report and found inaccurate information. I request that you help me dispute these inaccurate information I have included in the letter I attach to this complaint. The letter contains my intention to investigate each items and how I would like them to conduct investigation and provide me proof how they look into these accounts in error listed on my credit report. I have also attached my credit report for your reference to investigate. I need them to delete and block these inaccurate accounts from reflecting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: Contemporary Information Corp
State: NC

Complaint narrative:
Re : Formal Dispute of Inaccurate Tenant Screening Records under FCRA To Whom It May Concern, I am formally disputing several inaccurate and misleading eviction/public record entries appearing in my tenant screening file maintained by CIC/XXXX. These records are incomplete, unverifiable, and reported in violation of the Fair Credit Reporting Act ( FCRA ). 



Disputed Records XXXX. Case Number : XXXX Florida Case ( XXXX XXXX XXXX Reported : Eviction Issue : This case was dismissed/closed without judgment. Reporting it as an eviction is false and misleading. 
XXXX. Case Number : XXXX Florida Case ( XXXX XXXX ) Reported : Judgment against consumer Issue : Record is outdated and incomplete. It does not show final disposition and misrepresents the case outcome. 
XXXX. Case Number : XXXX ( North Carolina XXXX ) Filing Date : XX/XX/XXXX Judgment Date : XX/XX/XXXX Reported Judgment : Plaintiff Amount N/A Plaintiff : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Issue : This reporting is incomplete and unverifiable. Reporting a judgment with no amount and no proof of enforcement is misleading. 



Violations These entries violate : FCRA 607 ( b ) : Duty to assure maximum possible accuracy.

FCRA 611 ( a ) : Duty to reinvestigate disputed information. 
FTC v. CoreLogic Rental Property Solutions ( XXXX ) : Settlement confirmed tenant screeners may not report incomplete or misleading eviction data. 



Demand for Deletion Unless CIC can provide certified copies of court documentation showing these cases are accurate, enforceable, and complete, they must be deleted immediately from my tenant screening file. 

Failure to comply will result in a formal complaint with the CFPB, FTC, and state attorney general, as well as consideration of legal action under FCRA 616617 for willful noncompliance.

Company response to consumer: Closed with explanation