vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

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 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: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
On Thursday, XX/XX/XXXX, I received an unsolicited call to my number ( on the XXXX XXXX since XXXX ). The caller said only they were calling to collect a debt for Barclays, but they did not : Identify themselves as a debt collector Provide their company name or employee name Give the required FDCPA disclosures They then attempted to collect payment. I never gave consent for these calls. This violates FDCPA identification rules and the FTCs XXXX regulations. Please investigate and take appropriate action.

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 card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I opened a JCPenney credit card issued by Synchrony Bank to make a jewelry purchase under a promotional offer. I was not informed that if the balance was not paid in full within 24 months, retroactive interest would be charged. 

When I received an email about a {$720.00} interest charge shortly after the 24 months ended, I immediately called Synchrony Bank. I was told that if I paid off the remaining balance, they would remove the interest and close the account. I paid the balance during that phone call and was verbally assured my card was blocked and the account was at {$0.00}. 

Despite that, I was later charged an additional ~ {$55.00}, which I disputed again by phone. I was told the charge would be removed, but it never was, so I contacted my bank to reverse it.

I am now receiving emails that the account has a balance and is accumulating interest again, with threats that it may be sent to collections.

I want Synchrony Bank to correct this immediately : Confirm my account is closed with a {$0.00} balance Remove any interest or fees charged after the balance was paid Confirm that no negative information has been reported or will be sent to collections I have excellent credit and do not want it damaged by this situation, especially after fulfilling my obligations.

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have encountered difficulties accessing my [ EXPERIAN ] account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I don't recognize inquiry XXXX XXXX, nor am I doing business with this company. They are not reporting to my credit file.

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: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Stellantis Financial Services US Corp.
State: CO

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the issuance of XXXX XXXX, Cancellation of Debt, for the account associated with [ Your Account Number or Loan Number ] in accordance with the requirements set forth by the Internal Revenue Code ( IRC ) and the regulations governing debt cancellation. 
According to IRC Section 6050P, creditors are required to report the cancellation of debt of {$600.00} or more to the IRS and to the debtor by issuing XXXX XXXXXXXX. Specifically, under IRC 108 and Treasury Regulation 1.6050P-1, any forgiveness of debt or cancellation of indebtedness resulting in income for the debtor must be reported on this form. 
In light of this, I kindly request that you provide me with XXXX XXXXXXXX for the cancellation of the debt associated with my account. As stipulated by the IRS, a creditor is obligated to issue this form by XX/XX/XXXX of the year following the cancellation of debt, and I would appreciate your prompt attention to this matter in order to ensure compliance with federal reporting requirements. 
If additional information is required to process my request, please do not hesitate to contact me at XXXX or XXXX. 
Thank you for your attention to this matter. I look forward to receiving the required form at your earliest convenience.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
No action was taken and the appropriate negative items were not removed from my credit report.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
No action was taken and the appropriate negative items were not removed from my credit report.

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: CT

Complaint narrative:
I am following up on my previously submitted dispute regarding inaccurate and unverifiable accounts on my credit report, which remain unresolved. Despite my prior request for reinvestigation, I have yet to receive a satisfactory response. Therefore, I am once again requesting the source of this information and the specific methods used to verify its accuracy. 


- XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Experian- XXXX. XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -TransUnion- XXXX. XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: TransferWise Ltd

Complaint narrative:
recently i try to register company account with wise for my company registered on us wyoming as XXXX XXXX XXXX wise declined my application for the register but they charged me XXXX $ register fee from my card i try to registered with this email address XXXX can you please get me back my charged amount from them i don't want to give them free money without i use their serveries

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: Early Warning Services, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX, 2025 To : Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX Subject : SECOND NOTICE Demand to Delete File and Cease Unauthorized Data Reporting | Violation of FCRA 1681b, 1681e ( b ), and 1681g To Whom It May Concern : This is a second and final notice demanding that you immediately delete any and all information your agency is maintaining and reporting on me, as no permissible purpose or written authorization has ever been granted by me to Early Warning Services , LLC. 

Your response dated XXXX XXXX, 2025, fails to address the core legal issues presented in my original request. As a specialty consumer reporting agency, you are subject to the Fair Credit Reporting Act ( FCRA ) and must comply with its requirements. You are in violation of the following : FCRA 1681b No permissible purpose exists for your collection or distribution of my data.

FCRA 1681e ( b ) You are reporting and maintaining data that is inaccurate, outdated, or unverifiable, which violates your duty to maintain maximum possible accuracy. 
FCRA 1681g You failed to provide me with full disclosure of all information in your file, including the names of all institutions furnishing data. 

Because I did not authorize any financial institution to report my information to Early Warning Services, and because your company does not offer direct-to-consumer services, I hereby renew my demand for you to : 1.

Permanently delete my entire consumer file and all associated data. 2. Cease and desist from furnishing or selling any data about me to any party. 3. Provide the name, address, and source of every financial institution that has furnished you data on me. 4. Provide a written statement of what data you are maintaining, the date it was furnished, and the legal basis on which it is being retained. Failure to comply within 15 days will result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and a civil action for damages under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance. 

Sincerely, XXXX XXXX

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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-21 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: ID

Complaint narrative:
Im reaching out with serious concern regarding incorrect personal information on my credit report. This mismatch is causing accounts I dont recognizeand never openedto show up as mine. I want to be clear : this is not a mistake on my part. My file appears to be mixed with someone elses, and I keep seeing fraudulent and inaccurate items that have nothing to do with me. This has been incredibly stressful and is affecting my ability to move forward financially.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was utterly shocked XXXX devastated upon discovering unauthorized accounts, credit inquiries XXXX inaccurate personal information made or reported without my knowledge or consent. Despite my efforts XXXX seek clarification from the creditors, they have shamefully failed XXXX  provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account XXXX inquiry, including dates, purposes, XXXX types of credit products involved, furnish relevant application documents, XXXX present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received an email from CapitalOne indicating a change on my credidt report. It takes me to a link called XXXX. The information provided demonstrates that I had requested either a credit card or loan from XXXX XXXX. I'm not affiliated with the bank in any ways. XXXX  wasn't able to provide more details regarding the account being opened. This is where I come to you for help. This damages my credit score which I have as an excellent credit and I need to have this investigated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Dave Operating, LLC
State: TX

Complaint narrative:
I recently became aware that one of my online bank accounts had been hacked and my information had been taken I then proceeded to review my bank statement to where my card was linked upon checking this information I became aware of unauthorized transfers from XXXX XXXX to another. I closed my other account so that no further unauthorized transactions could be made. I've been proceeded to file a dispute to reclaim the amounts that were stolen submitted a police report with witnesses names. However the bank refuses to find error in the unauthorized transfers I'm not crediting the loss of my funds.

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 — Account status incorrect
Company: BLINCLOANS, INC.
State: AL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this complaint to formally dispute a charge-off reported on my credit file by OneBlinc. Previously, there were some concerns that my payments were not being applied. I have made several attempts to communicate directly with the creditor/agency to resolve this matter and have consistently provided rebuttals challenging the validity of this charge. Despite my efforts, the issue remains unresolved, and I believe this account has been reported inaccurately or unfairly. 

Additionally, I want to address the predatory lending practices of this creditor. Every time I have attempted to make payments, I have been informed that I am still behind, despite paying in good faith. This has created a continuous cycle of payment issues, and now the creditor has gone so far as to charge off my account. I find this behavior to be both unjust and predatory, as I have made sincere efforts to fulfill my obligations. 

I request that the CFPB intervene and require the creditor to provide proper documentation for the charge-off or to remove the charge-off from my credit report. I also request that this matter be investigated for potential predatory lending practices. 

As a consumer and payee, I have always strived to be a responsible customer. Due to medical circumstances, there XXXX have been a couple of missed payments, but I have never intentionally defaulted. They are now claiming that Ive missed more than XXXX payment and have charged off my account. This is not accurate and I would like the charge-off removed from my credit report immediately. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to challenge inaccurate credit reporting and hold creditors accountable for their actions. I ask that my case be reviewed under these rights and that the charge-off be removed from my credit history on all three major credit bureaus. 

Another major concern is the lack of communication and poor customer service I have encountered while trying to resolve this matter. When requesting to speak to a supervisor, I have been refused transfers, and the wait times to speak to someone are often over an hour. This lack of response and support has only added to my frustration. As a retaliation by OneBlinc, they have sent my account to a collections agency and charged my account off unlawfully. 

I am requesting the CFPBs assistance in investigating this matter and ensuring that the creditor provides proper documentation to validate the charge-off or corrects the reporting on my account. I appreciate your time and attention to this dispute. 

Thank you for your help.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: General Motors Financial Company, Inc.
State: NM

Complaint narrative:
Dear Consumer Financial Protection Bureau, Since 2023, all three major credit reporting agenciesXXXXXXXX, XXXX, and XXXXXXXXhave been erroneously and inconsistently reporting my GM Financial account ( # XXXX ) as not paid in full, despite the fact that the account was satisfactorily paid off in full in the amount of {$3200.00}. 

Each credit bureau is reporting different false or inaccurate information, none of which reflects the correct status. This misinformation is negatively impacting my credit profile and causing undue harm. 

GM Financial has confirmed that the loan was fully satisfied and is in the process of resending the official payoff certification. Once received, I will upload the document as additional supporting evidence to this complaint. 

I respectfully request that the CFPB assist in ensuring that TransUnion, Equifax, and Experian promptly correct the status of this account to reflect : Paid in Full Closed or Paid Satisfactorily Under the Fair Credit Reporting Act ( FCRA ), these credit reporting agencies are obligated to report accurate information. Their continued failure to do so is a violation of those standards and requires urgent correction. 

Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX

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: GA

Complaint narrative:
I am writing to formally dispute one or more unauthorized hard inquiries that appear on my credit report. I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. 

According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

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: FL

Complaint narrative:
Fraudulent Inquiries Creditor Name Date of Inquiry XXXX XXXX  XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX  XX/XX/year> Experian XXXX XX/XX/year> Equifax XXXX XXXX XX/XX/year> Equifax XXXX XX/XX/year> Equifax XXXX XX/XX/year> Equifax XXXX XX/XX/year> Equifax XXXX XX/XX/year> Equifax

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