vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Net Pay Advance, Inc.
State: TX

Complaint narrative:
In early XXXX, I took out a loan that I could not continue repaying due to financial hardship. Since then, the balance has ballooned to over {$2000.00} due to excessive fees and penalties. I attempted to resolve this by requesting debt validation, but instead of addressing my concerns clearly, the company continued vague and misleading communications. 

In XX/XX/XXXX, I received a letter stating I was being sued. However, I have not been officially served any court documents. This is the first and only notice of any legal action and it came from the company directly, not through a legal process server or certified mail. 

To date, I have never received a formal summons, notice of service, or opportunity to respond as required by law. Suing without proper notification is a violation of due process and creates an unfair and intimidating environment for the consumer. 

I am not disputing that the loan occurred, but I am challenging the predatory nature of the repayment structure, the ballooning fees, the vague resolution options, and the attempt to sue without properly serving me. I am requesting the CFPB investigate this company for improper collection practices and ensure accurate and fair reporting of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: SC

Complaint narrative:
Please help me investigate accounts from these companies that inaccurately show late payments on my credit report. I have checked my report and found some accounts with incorrect late payment notations. These accounts should have no late payment remarks. Kindly remove these remarks and update the accounts as agreed to positive status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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:
TransUnion LLC Consumer Dispute Center XXXX XXXX 2000 XXXX, PA XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX GA XXXX ACCOUNTS : XXXX FCU - Account Number : XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$730.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I am disputing a negative account reported by American Express ( AMEX ) on my credit file. The status is listed as derogatory, but I have never received sufficient documentation verifying the accuracy, status, or current balance of this account. 

Under the Fair Credit Reporting Act ( FCRA ) 611 and 623, AMEX is required to report only complete and accurate information, and furnishers must respond to disputes with documented proof. No such documentation has been provided. 

Additionally, the derogatory status is harming my credit and may be based on outdated, incomplete, or inaccurate information. If AMEX can not validate the account with original source documentation, I request that this item be permanently deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
To Whom It May Concern at the Consumer Financial Protection Bureau, I am writing to formally report an issue regarding the recent denial of a Synchrony Home credit card application, and to request an investigation into potential inaccurate reporting or misidentification that may have impacted my credit access. 

On XX/XX/year>, I applied for a Synchrony XXXX credit card to finance the purchase of a {$1100.00} freezer and was denied. At the time, I believed the denial may have been due to my credit reports being locked through all three major credit bureaus ( XXXX XXXX, and XXXX  ), and possibly not being fully accessible at the time of the application. 

To rule this out, I ensured that all bureaus were unlocked and reapplied the following day, XX/XX/year>. However, I was denied again. I then contacted Synchrony Bank customer service to obtain an explanation. Despite my excellent credit score ( nearing XXXX ), I was told that the denial was due to a " prior unsatisfactory obligation '' with Synchrony Bank. 

When I asked for more information, the representative stated that they could not find any existing or past accounts associated with my Social Security number. This is both confusing and concerninghow can an adverse action be based on a prior obligation that can not be identified or verified by the bank? 

I later received a denial letter reiterating the same vague reasoning, with no specific account number or further details. As a consumer, I believe this may constitute a violation of the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ), both of which require creditors to provide specific and accurate reasons for adverse credit decisions. 


I am prepared to provide copies of the denial letter, my credit bureau disclosures, and any additional documentation needed for your investigation. 

Thank you for your attention to this matter and for your continued efforts to protect consumers from inaccurate and unfair credit practices.

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 2025-06-25 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: AZ

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX. Box XXXX XXXX, DE XXXX RE : Account XXXX. * * * * * * * * * * * * XXXX ( Charge-Off Balance : {$50000.00} ) To Whom It May Concern, I am writing to formally demand the immediate removal and permanent cessation of all reporting activity associated with the above-referenced account. This XXXXXXXX XXXX account, currently reported as a charge-off on all three credit bureaus ( XXXX XXXX Experian ), is invalid and unlawfully attributed to me, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ). 

In XXXX, I sold my ownership interest in XXXX XXXX ( XXXX XXXX ) to XXXX XXXX via a XXXX XXXX Membership Unit Purchase Agreement. Under this agreement ( fully executed and signed by both parties ), XXXX XXXX assumed all liabilities, including but not limited to business credit card debt associated with XXXXXXXX XXXXk. This document clearly stipulates the debt obligation was transferred and I was fully released from any financial responsibilities. A copy of this agreement is attached and has legal standing under Arizona law. 

Furthermore, the sale of this company and the subsequent ownership transfer was handled in your institution, XXXX XXXX. We executed account ownership transitions in person at a XXXX branch. Your failure to complete the transfer and failure to maintain correct notifications- especially after a documented change of business address and contact information- is a serious breach of duty of care and compliance under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ). 

By continuing to report this derogatory account, XXXX is engaging in willful misreporting, negligent credit furnishing, and defamation of character, and you are causing irreparable harm to my creditworthiness, mental health, financial stability, and professional livelihood. I have suffered substantial damages as a result. 

I hereby demand the following within 15 days of receipt of this letter : 1. Immediate deletion of this account from all credit bureaus. 
XXXX. Written confirmation from XXXXXXXX XXXX of this deletion. 
XXXX. A full investigation record and response detailing how this misreporting occurred. 

Should Chase fail to comply, I will initiate litigation for damages, including but not limited to : Violation of FCRA Sections 1681s-2 ( a ) and 1681s-2 ( b ) Breach of Duty of Care Negligent Infliction of Emotional Distress Libel and Defamation under U.S. Civil Code I am prepared to file complaints with the CFPB, XXXX, Arizona Attorney General, and the FTC. Furthermore, I have retained legal counsel and will pursue all available legal remedies. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am formally requesting the immediate deletion of a specific account listed on my credit report, as it is currently involved in pending litigation and therefore inaccurate and inappropriate to report at this time. 

Let me be clear : this account is the subject of an ongoing legal dispute, and no final determination has been made regarding its validity, accuracy, or legitimacy. Because it is under litigation, any reporting of this account especially as a negative or derogatory item is not only misleading but also potentially prejudicial. It presents an incomplete and unfair picture of the situation, which is still being reviewed through the proper legal channels.

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 2025-06-25 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: CA

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving 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 2025-06-25 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:
There was a XXXX  free unlimited credit card opened XX/XX/year>. On my credit report it shows that I am an authorized user on this account. I do not have any clue how this could be ; I was born XX/XX/year> so I would have only been 5 months old when this account was opened. I do not have any family that has admitted to opening this account so I do not know how this could be connected to me unless it was connected to me in error. currently this card has about a {$33000.00} dollar limit with {$14000.00} dollars used.

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 2025-06-25 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:
There was a chase free unlimited credit card opened XX/XX/year>. On my credit report it shows that I am an authorized user on this account. I do not have any clue how this could be ; I was born XX/XX/year> so I would have only been 5 months old when this account was opened. I do not have any family that has admitted to opening this account so I do not know how this could be connected to me unless it was connected to me in error. currently this card has about a {$33000.00} dollar limit with {$14000.00} dollars used.

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 2025-06-25 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:
There was a chase free unlimited credit card opened XX/XX/year>. On my credit report it shows that I am an authorized user on this account. I do not have any clue how this could be ; I was born XX/XX/year> so I would have only been 5 months old when this account was opened. I do not have any family that has admitted to opening this account so I do not know how this could be connected to me unless it was connected to me in error. currently this card has about a {$33000.00} dollar limit with {$14000.00} dollars used.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Im reaching out to provide context regarding a disputed transaction in the amount of {$48.00}, which took place on XX/XX/year>. This charge was for XXXX XXXX XXXX for a XXXX XXXX I needed delivered to a XXXX XXXX XXXX XXXX 

At the time of purchase, the postal clerk quoted an estimated delivery window of XXXX XXXX XXXX XXXX, which led me to choose and pay for the expedited service. Had I been informed that delivery would take significantly longer, I would not have opted for the priority option and would have instead used regular international mail. 

For reference, Ive previously sent and received letters to and from XXXX via regular international mail, and they have never taken this long. So you can understand my frustration when this package remained in the XXXX for XXXX to XXXX XXXX, circulating domestically XXXX or XXXX times before finally leaving the country. 

Despite multiple attempts to get assistance during the delay, I was unable to get clear answers. As a result, I opened a case with XXXX on XX/XX/year> regarding the missing document. 

I disputed the transaction because I believe I paid for a level of service that was not provided. My bank initially issued a provisional credit, but later reversed it, stating that the transaction was valid. However, I strongly feel that the service failed to meet the expectations I was given at the time of payment. 

I hope your team will take a moment to review this matter further. Im happy to provide tracking details and XXXX case documentation upon request. 

Thank you for your time and consideration.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Student loan accounts from XXXX were reported to my credit file without my written consent, violating FERPA regulations. I submitted a prior dispute to the credit bureau but received no evidence of authorized disclosure. This continues to harm my credit and breaches both FERPA and FCRA.

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 2025-06-25 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: CT

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: NJ

Complaint narrative:
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.

Attached are documents supporting my claim, including a copy of my credit report with the disputed account highlighted, and proof of identity. Remove these fraudulent accounts and inquiries now. " I DO NOT CONSENT FOR A FRAUD ALERT TO BE PUT ON MY CREDIT REPORTS ''.

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 2025-06-25 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
I had two accounts reporting to my credit under LVNV funding that recently exceeded that statute of limitations for them to sue or report to my credit. I also reached out to them on XX/XX/year> via phone and in writing asked them not to contact me and explained that I would not be paying the debt. reporting to my credit after the statue of limitations if violation 15 USC 1692f of FDCPA. Continuing to communicate with me after I have already asked not to and expained that I do not intend to pay the debt is a violation of 15 USC 1692c. Due to having this negative item on my credit I am not able to get approved for rental housing or a home loan. I am also not able to get approved for personal, business, or autoloan or larger lines of credits due to the negative credit reporting

Company response to consumer: Closed with explanation