vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
On Friday, XX/XX/XXXX, I had my bank prepare a cashiers check to send into Synchrony as I wanted to pay the account down. It was for {$7400.00}. It was not even the exact balance to pay off the account. I knew that it was not nor would be. 

I was monitoring my account to make sure the payment applied and it NEVER WAS APPLIED TO MY ACCOUNT. XXXX day it was not even available for me to look at it. and then Monday, XX/XX/XXXX I received a voicemail from Synchrony bank indicating that they had received my request to close my account and had processed it. I immediately called back to see what she was talking about. As I did not speak to nor ask anyone to close my account. 

I talked to someone on XX/XX/XXXX and XX/XX/XXXX. Both times I indicated XXXX things. XXXX. Where was my cashed money applied to and where was the interest for them holding it in error from my account as well as the reduced interest from the credit card balance. and XXXX. WHY XXXX they close my account when I did not ask it to be closed and WHY didn't they reopen it. 

In addition they refused to STOP MY AUTOMATIC PAYMENT that was going to occur. 

Each time I was told that there was an investigation but both times told me the time I called before " did not work ''. They also said they had XXXX day to resolve this issue. And that is XXXX days with them having MY MONEY IN THEIR HANDS. 

This is an example of a creditor mistreating, mishandling another dispute, and at the detriment on the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Subject : Formal Complaint Against Equifax Information Services for FCRA Violation Unauthorized Reinsertion of Previously Removed Account Dear Consumer, Financial Protection Bureau, I am filing a formal complaint against Equifax Information Services for violating Section 611 ( a ) ( 5 ) ( B ) of the Fair Credit Reporting Act ( FCRA ). 
I previously disputed several inaccurate accounts on my credit report due to identity theft. Equifax Information Services investigated the matter and subsequently removed the following account from my credit file : XXXX XXXX XXXX XXXX  XXXX However, I recently discovered that this account has been reinserted without any prior notification, which is a direct violation of FCRA regulations. 
As you are aware, FCRA Section 611 ( a ) ( 5 ) ( B ) requires credit reporting agencies to notify consumers within five business days if previously deleted information is reinserted. XXXX failed to provide me with such notice, causing undue stress and potential damage to my credit profile. 
I have attempted to resolve this issue directly with XXXX, but they have failed to provide an adequate response. I am now requesting CFPBs intervention to ensure Equifax Information Services complies with the law and removes these unauthorized reinsertions immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: WA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: Transform Credit Inc.
State: OR

Complaint narrative:
I received an alert from XXXX who monitors my credit of an open balance with Transform Credit Inc . I have never heard of this company, nor have I taken out a loan with them. In fact, I froze my credit after bogus inquiries made by XXXX XXXX XXXX in XXXX, this loan shows opened right after that inquiry. 
On XX/XX/XXXX a {$5.00} XXXX withdrawl from my bank account, to which I filed dispute. Bank declined their payment attempt. Then the alert from XXXX. 
I called and email Transform Credit that the account is fraudulent. No response. At the suggestion of XXXX and I am writing to you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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 non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: SC

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Inquiry Regarding Discharged Accounts Under FCRA Guidelines Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention a matter concerning the reporting of accounts that have been discharged those that reflect a 100 % discharge.

would like to reference the Fair Credit Reporting Act ( FCRA ) and its implications on the reporting of such accounts. 

According to the FCRA, specifically under 15 U.S.C. 1681c, a consumer reporting agency may not report any information related to a bankruptcy case that is more than 10 years old. Furthermore, under 15 U.S.C. 1681i, consumers have the right to dispute inaccurate or incomplete information in their credit reports.

In my case, I have noticed that certain accounts that were fully discharged are still being reported as active o.

misrepresentation is not only inaccurate but also detrimental to my creditworthiness. As per the FCRA guidelines, I believe these accounts should be updated to reflect their discharged status.

I kindly request your assistance in ensuring that credit reporting agencies adhere to the FCRA regulations regarding the accurate reporting of discharged accounts. It is crucial for consumers like myself to have accurate credit reports that reflect our financial history accurately, especially after undergoing the challenging process of bankruptcy.

Thank you for your attention to this matter. I look forward to your guidance on how to proceed and ensure compliance with the FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
Subject : Formal Dispute Violations of FCRA & Failure to Conduct Proper Investigation To Whom It May Concern, I am formally disputing an inaccurateaccount appearing on my credit report. This account is associated with an address that has never been my residence, and has never been reported on any of my credit obligations. Furthermore, the name on the account is missing my middle name XXXX making it abundantly clear that this account does not belong to me.

Violations of the Fair Credit Reporting Act ( FCRA ) & Failure to Investigate By continuing to report this clearly erroneous account, this credit beauru is in direct violation of : 15 U.S. Code 1681i Failure to Conduct a Reasonable Investigation : You have previously allowed this inaccurate account to remain, despite clear evidence that it does not belong to me.

15 U.S. Code 1681e ( b ) Failure to Ensure Maximum Possible Accuracy : This account has no valid connection to me, yet it remains on my file. 
15 U.S. Code 1681n Willful Noncompliance with the FCRA : By failing to act despite clear discrepancies, this credit buearu is willfully violating my rights.

15 U.S. Code 1681o Negligent Noncompliance : Your failure to correct this error after previous disputes demonstrates negligence.

Undisputed Proof of My Accurate Credit Profile Every single one of my legitimate installment and revolving accounts has always been and continues to report under my one and only address for the past 20 years : XXXX XXXX XXXX This undisputed fact is further corroborated by the documentation attached to this letter. There is no justifiable reason for this account to remain on my file. 

Demand for Immediate Action Given the blatant violations outlined above, I am demanding that : 1.Immediately remove this fraudulent account from my credit report.

2.Provide written confirmation of the accounts deletion within 30 days.

3.Cease and desist from any further reporting of this account.

Failure to comply will result in legal action against this credit bureau for willful violations of my rights under the Fair Credit Reporting Act and any other applicable federal or state consumer protection laws. 

This is your final notice to correct this issue before I escalate the matter further. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : IR XX/XX/XXXX TransUnion XXXX  XXXX XX/XX/XXXX TransUnion XXXX MORTGAGE COMP XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion Legal XXXX ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section XXXX, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section XXXX, any inquiry that can not be verified must be removed. 
Right of Verification : Section XXXX grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section XXXX requires that reported data is accurate and authorized. 
Protection Against Identity Theft : Section XXXX mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's XXXX purposes requirements.

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 2025-03-26 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: SC

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-03-26 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: MS

Complaint narrative:
I never authorized the hard inquiries on my account

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 2025-03-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
On XX/XX/XXXX, I was charged {$390.00} by a creditor named LVNV Funding LLC, which claims the original creditor is XXXX XXXX XXXX XXXX ( XXXX XXXX ). However, Ive only ever lived in XXXX and XXXX, with XXXX being my primary residence since XXXX. This company, based in Texas, is claiming an energy bill from that state. 
I have repeatedly reached out to LVNV Funding via phone and email to request clarification on where this bill originated, but they have not responded or provided any explanation. As this issue is negatively impacting my credit score, I have filed disputes with all major credit reporting agencies, yet the charge remains unresolved. 
The company continues to contact me via phone and text messages attempting to collect the debt. They even sent a text saying : " Happy birthday! To honor your special day, we put together some special offers for your XXXX XXXXXXXX XXXX XXXX account. '' The message included a phone number ( XXXX ) and a link to XXXX XXXX. 
Despite numerous efforts to resolve this matter, LVNV Funding LLC has failed to provide any documentation or explanation regarding the validity of this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: Nelnet, Inc.
State: WA

Complaint narrative:
I have XXXX children, XXXX of which have either completed XXXX or are still in XXXX I took out student aid loans so my children receiving a good education. I am writing you regarding Nelnets failure to notify me of account payment re-start after the COVID-19 Pandemic, and Nelnets termination of automatic payments about XXXX of XXXX, automatic payments that I had previously authorized, but I did not authorize the payments to stop. The government stopped them. Then 5 years pass, and nothing from Nelnet sent to my home address, no statements, no notice, no nothing. Then, Nelnet negligently send incorrect reporting information to credit bureaus without any attempt to notify me in writing at my home address. I am writing to Nelnet to make demand for IMMEDIATE credit corrective action. As of XX/XX/XXXX, my credit score was XXXX. On XX/XX/XXXX, I was notified by an alert to my credit through one of my credit card services, of changes to my credit. I immediately contacted my credit service to learn that Nelnet had reported on seven loans that my account was 90 days past due. I was shocked to say the least. On XX/XX/XXXX, my credit score dropped to XXXX. Upon calling Nelnet to understand what happened, I learned that Nelnet made its own determination to terminate my automatic payments sometime after XX/XX/XXXX, the same month that the COVID-19 pandemic began. I was told by a representative of Nelnet that Nelnet had not sent ANY written notices to my home address. I received no voicemails, or any other electronic mail, I was also told that Nelnet made the decision to restart the payments requirement, but never notified me, then Nelnet failed to restart my automatic payments or to notify me by mail to my home address. Nelnet stopped my payments for almost 5 years, made no effort to contact me, and then negligently reported information. The wrongful reporting of my accounts to the credit bureaus has severely damaged me. I am in middle of a real estate transaction that began before wrongful reporting occurred. Due to negative reporting, my lending institution is potentially unwilling to proceed with the real estate transaction. I stand to lose significant earnest money. If my lending institution does not proceed, I will lose this money. My credit has been very good for many years, now it is ruined by 7 accounts all noted as 90 days late. I will pay higher interest rates, lose this real estate transaction, and lose my earnest money all because of bad decisions and practices by Nelnet. I have asked them to correct it. sent letters on XX/XX/XXXX, and XX/XX/XXXX, but no response from Nelnet. I must file lawsuit to get corrective action. See my most current response letter to Nelnet dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I have a Saks Fifth Avenue store card. I paid my entire balance off, but was late, so I was assessed a late fee of {$30.00}. I accepted that and then they say I paid the {$30.00} balance late and assessed me another {$30.00}!. That is 100 % interest for the month. Also, they have a strange collection process on their side where the place I mail the payment to ( Comenity ) then somehow processes the payment over to another entity which adds days to their accounting making me late. 
The payment was withdrawn from my account on time by their processing entity, but days were added at the collection entity processed my check and then acknowledged the payment to Saks. It was this additional time that made my payment late. I have since closed the account and I would like the additional {$30.00} refunded to me as cash, since they can not credit back to the card since I closed the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-26 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 have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-26 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: MS

Complaint narrative:
i notices unauthorized inquiries and accounts on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Belk credit card turned me over for a balance of XXXX principal balance. Before they turned it over to portfolio recovery, someone added collection fees of XXXX plus more ingest of XXXX, in which I am not able to pay any of it. I just buried my XXXX yr old son and my husband is in prison and I am trying to feed a XXXX yr old daughter I have. I almost homeless and I called them on XXXXXXXX XXXX XXXX XXXX and tried to negotiate bc my mom gave me her credit card to pay them XXXX and they denied taking or accepting that amount. So they had a shrieff to come out and threatening to sue me over XXXX. In which I offered to pay XXXX was all my mom had. I dont have any money, nor can pay them maybe XXXX a month since they want accept the XXXX but I shouldnt have to pay more than the balance was of XXXX, not some ridiculous fees added

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