vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
On XX/XX/year>, GM financial and I agreed to defer my payment that was due XX/XX/XXXX for {$780.00} to the end of the loan and they would not report the payment as 30 days late. Also, they required I pay a fee o {$150.00} to facilitate deferring the loan payment which they were supposed to take from my checking account on XX/XX/XXXX. ON XX/XX/XXXX, I noticed they had not taken the {$150.00} payment from my account and I called and manually paid the {$150.00}. The next day, i received a notice from Experian my credit score went down and I reviewed my credit report and there was a 30 day late payment for the XX/XX/year> payment?? This late payment was wrong because my XXXX payment was not due until XX/XX/XXXX and I had an agreement with GM to defer the XXXX Payment to the end of the loan and not be considered 30 days late which I paid for that process?? Also, I discovered GM financial, is not applying my payments properly to my principle and interest and more than {$2000.00} worth of principle payments have not been applied correctly!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
On XX/XX/year>, I submitted a formal dispute to TransUnion under the Fair Credit Reporting Act ( FCRA ), specifically citing Section 609 ( a ) ( 1 ) and Section 611 ( a ) ( 1 ). My letter requested full verification of the derogatory data being reported by XXXX XXXX XXXX, including : A copy of the original signed agreement The method of verification used The name and contact information of the verifying party While TransUnion removed two unauthorized XXXX XXXX inquiries, it failed to respond to or resolve the XXXX dispute, which remains inaccurately reported. No documentation, verification, or written reinvestigation summary has been provided within the 30-day window, in violation of FCRA 611 ( a ) ( 6 ).

Additionally, my credit report summary shows only 2 total late payments, while the XXXX tradeline alone lists 5 missed payments, clearly proving internal inconsistency. Reporting conflicting or unverifiable data is a violation of FCRA 623 ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ). 

I want to clarify that I am not requesting the XXXX XXXX account itself be deleted, as it contributes positively to the age of my credit history. I am only requesting that the derogatory payment history specifically the unverifiable late payments be removed, in accordance with FCRA 1681i ( a ) ( 5 ), which requires deletion of disputed information that can not be verified within the statutory timeframe. 

Furthermore, Equifax has already removed these same late payments, validating that the data was unverifiable and inaccurately reported. TransUnion continues to furnish this negative information without proof, which contradicts their legal obligations. 

I am invoking my rights under : FCRA 611 ( a ) ( 1 ), ( 6 ), and ( 7 ) Dispute, reinvestigation, and method of verification FCRA 609 ( a ) ( 1 ) Right to request information on file FCRA 1681s-2 ( b ) Furnishers duty to investigate disputed data FCRA 1681i ( a ) ( 5 ) ( A ) Requirement to delete unverifiable information GLBA 6801 Prohibits furnishing or retaining personal financial data without a lawful basis I am requesting immediate regulatory intervention. TransUnion must remove the unverifiable derogatory data, provide documentation of any verification used, and bring this matter into full compliance with federal 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 2025-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I applied for a PayPal cash back XXXX because they were offering a {$250.00} cash back rewards if you spent a certain amount of money. I spent over that amount of money and they never gave me the cash back rewards I called multiple times they said they would add the rewards and then didn't and said the case was closed. I tried calling multiple times, they said that they filed a new case and then sent me some paperwork which I filled out and sent back. And they said the case was closed again and refused to give me the {$250.00} cash back rewards or the {$150.00} cash back rewards that was the current promotion. Now I try not to use PayPal as much as possible including their credit line and their XXXX credit card. I have not closed the account because it will ding my credit to lower my available credit balance.

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 2025-04-21 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The embezzlement of funds from my debit account at Bank of America began in the in the following manner. The total amount stolen was {$21000.00}. 
The last withdrawaI made was on XX/XX/year> at XXXX XXXX XXXX, leaving a balance of {$18000.00}. After that, EDD deposited two more payments of {$1400.00} each, bringing the balance to {$21000.00}. 
Details of case are explained further in the letter, attached, along with supporting documents.

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I am writing to formally dispute the late payment records reported on my credit file for the following accounts : XXXX XXXX XXXXXXXX Account # XXXX : Late payments from XX/XX/XXXX to XX/XX/XXXX. 
XXXX Account # XXXX : Late payments from XX/XX/XXXX to XX/XX/XXXX. 
XXXX Account # XXXX : Late payments from XX/XX/XXXX to XX/XX/XXXX. 
I would like to explain the circumstances that led to these late payments. During this period, I faced an extreme and unforeseen medical hardship, including being diagnosed with XXXX XXXX, experiencing XXXX XXXX, and suffering from XXXX XXXX. These severe health challenges left me incapacitated and unable to manage my financial responsibilities. 
Thankfully, I have now fully recovered and regained control of my finances. I have always taken pride in maintaining a good payment history, and I truly believe these late payments do not reflect my willingness or ability to meet my obligations under normal circumstances. This was an extraordinary situation entirely beyond my control, and I view it as an act of XXXX. 
I have discussed this matter with my creditors, who suggested I reach out to you directly to resolve this issue. I respectfully request that the late payments be removed from my credit report, as they do not accurately represent my long-term creditworthiness or commitment to financial responsibility. 
I appreciate your time and consideration in reviewing this request. If you require any additional documentation to support my claim, such as medical records or correspondence with my creditors, I would be happy to provide it. 
Thank you for understanding the unique circumstances surrounding this situation. I look forward to hearing from you and hope for a positive resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I've contacted the XXXX XXXX and the company directly as I was unclear as to the temporary low/ no interest rate. Once the temporary program ended I was charged an extra almost {$2.00} dollars which incurs over 30 % monthly interest. This was for a XXXX procedure which I was told was necessary by my dentist. This company has a predatory practice aimed at people in need of medical care. I [ ve called numerous times to settle the debt and or asking for a lower interest rate.I 've already paid on this debt for XXXX years.

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 2025-04-21 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: TX

Complaint narrative:
CFPB please look in to this matter Equifax I received your letter enclosed, you mail me a letter it has my name and address my dispute is on line your web sight or CFPB, FTC, FDIC and they all have my information, your letter does not have a dispute number or the name of the creditor SEEMS you are not wanting to investigate any thing a clear violation I hope the CFPB looks into it for not having my name and address you mailed a letter out how did you know it was going to me if you did'nt have the information. I request you send the information dispute number you claim you have no file on through the CFPB they do have my information just like you letter XXXX XXXX  hopefuly the CFPB will step in and stop you stalling because this is a FCRA violation with a 1000.00 dollar fine enclosed is you letter delete the account you state you don't have on file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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:
I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous 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 2025-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-04-22 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: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
This is regarding American Express dispute XXXX against XXXX. I ordered a headphone from them but instead there was no headphones inside the box. I did everything the merchant asked me and sent them photos of what I received showing no merchandise / headphone was inside what I received. I also filed a police report in their warehouse city like they requested. I am owed my money back. For some reason American Express reopened the dispute despite me providing ample evidence of the fact that inside the box I did not receive any headphones from this company. Instead I received the wrong item and I sent them photos of the wrong item that was inside the box.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC.
State: AR

Complaint narrative:
There was a loan taken out with my name as co-signer. I have absolutely no idea who the primary is, & I never signed my name on any documents or agreed to co-sign for anything. I dont even know what truck was purchased. I have contacted Santander & they have told me theres nothing I can do besides try to get ahold of the primary & see if they will take my name off. I know a friend of the primary & hes in jail & I cant get ahold of anyone. This loan is in New Mexico & I absolutely didnt sign my name or give permission for my name to be signed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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 remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: WA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: WA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-04-22 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: GA

Complaint narrative:
Company hits my report 4 times in one month causing a significant decrease in credit status, when loan repayments do not start back till the month of XX/XX/scrub> 2025 2025

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 2025-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My tenants have been harassed by this Debt Collector for the purpose of making my life and the lives of my tenants XXXX. XXXX XXXX XXXX has been harassing my tenants at my property located at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX on XX/XX/year> at around XXXX XXXX XXXX. The man working for XXXX XXXX XXXX did not identify himself and proceeded to harassing and knocking loudly and scared my tenants dogs which they have 2. The processor only said he works for XXXX XXXX XXXX didn't properly identify himself, and even admitted to trying to harass my tenants when tenants confronted him and informed him that is not my residence. XXXX XXXX XXXX keeps breaking the law and I will not allow them to violate my rights. My tenants are spooked because XXXX XXXX XXXX used old tactic of harassment. I will filing a formal police report against XXXX XXXX XXXX for violating the privacy and peace of my tenants and the prowess criminal trends of this debt collecting company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: GA

Complaint narrative:
Equifax Report Confirmation : XXXX. I am submitting this formal dispute directly to Equifax regarding a collection account reported by XXXX XXXX XXXX / XXXX XXXX, referencing an alleged debt originally from XXXX XXXX. The account was opened on XX/XX/XXXX, with a balance of {$1000.00}, and Equifax first reported the delinquency in XX/XX/XXXX, last updating the entry on XX/XX/XXXX. The account is labeled as Placed for Collection with Payment Responsibility : Individual, which is factually inaccurate and legally misleading. This account originated from a XXXX XXXX XXXX XXXX XXXX  issued to a business, not a personal consumer account. I do not recall signing as a personal guarantor, and I have received no documentation confirming that I am legally liable for this debt. Therefore, this collection should not be reported on my personal credit report. This account is being misclassified and misrepresented in violation of the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), which requires that all information furnished to credit bureaus be accurate and not misleading. Reporting this as an individual collection accountwithout documentation confirming my personal liabilityis both inaccurate and unverifiable. Under FCRA 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( A ), I am requesting that this item be investigated and permanently deleted unless full legal validation is provided. I also request documentation of a signed credit agreement, any applicable personal guaranty, and the complete chain of assignment between XXXX XXXX  and XXXX XXXX If XXXX XXXX canceled or charged off the debt, no Form 1099-C has ever been issued to me, which may also represent a violation of IRS Code 6050P. This is not a dispute of balance or payment amountit is a challenge to the legitimacy, legal standing, and accuracy of the debt being reported under my name. I am demanding that Equifax immediately delete this item unless it is legally validated as a personal consumer obligation through documented proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief
Consumer complaint received 2025-04-21 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: TX

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-04-21 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: TX

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief