vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian XXXX XXXX XXXX : XXXX. XXXX CARD Type : Bank Credit Card Date of Inquiry : XX/XX/year> Issue : I did not authorize this inquiry and have not applied for any XXXX credit card during this period. 
XXXX. FLORIDA DEPARTMENT OF ( Listed Twice ) Type : State Date of Inquiry : XX/XX/year> Issue : This appears twice, and I did not initiate any credit-related request or application with the Florida Department XXXX XXXX agency on this date. 
XXXX. XXXX BANK Type : All Banks Date of Inquiry : XX/XX/year> Issue : I have not applied for any financial products with XXXX Bank and did not consent to this inquiry.

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 2025-04-18 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: TX

Complaint narrative:
These mistakes on my report have messed with a lot in my life. Ive done everything I can to stay financially responsible, and seeing all that effort dragged down by outdated or flat-out wrong info is really upsetting. Ive been turned down for things I should have qualified for, and its taken a serious hit on my confidence.

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 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am extremely frustrated by the continued presence of false information on my TransUnion credit report. These are not minor clerical mistakesthey are serious reporting failures that are damaging my financial credibility and blocking access to opportunities. Despite previous disputes, these inaccuracies remain unresolved, which shows a blatant disregard for maintaining accurate consumer data. 

Under the Fair Credit Reporting Act ( XXXX  ), I am entitled to a credit report that is fully accurate and verified. If TransUnion can not provide clear, irrefutable documentation to support the reported information, it must be removed without delay. Im not askingIm demanding full compliance with federal law. Continued inaction will be treated as willful negligence. 

The following dispute items are inaccurate and must be addressed immediately : Inquiry ( TU ) SYNCB/SAMS - Date of Inquiry : XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: CA

Complaint narrative:
I am extremely frustrated by the continued presence of false information on my TransUnion credit report. These are not minor clerical mistakesthey are serious reporting failures that are damaging my financial credibility and blocking access to opportunities. Despite previous disputes, these inaccuracies remain unresolved, which shows a blatant disregard for maintaining accurate consumer data. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fully accurate and verified. If TransUnion can not provide clear, irrefutable documentation to support the reported information, it must be removed without delay. Im not askingIm demanding full compliance with federal law. Continued inaction will be treated as willful negligence. 

The following dispute items are inaccurate and must be addressed immediately : Inquiry ( TU ) XXXX XXXX - XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX - XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX  for multiple willful violations of the Fair Credit Reporting Act ( FCRA ), Metro 2 compliance, and the Fair Debt Collection Practices Act ( FDCPA ). This account is being reported inaccurately to TransUnion and Equifax. 
Specifically : The Date of Last Activity and Date of Last Payment are reported inconsistently between TransUnion ( XX/XX/XXXX and XX/XX/XXXX ) and Equifax ( XX/XX/XXXX for both ), which is a violation of FCRA 607 ( b ) requiring the maintenance of accurate records. 
Equifax is reporting a {$0.00} credit limit, which is false for a revolving credit account. This artificially inflates my credit utilization and violates the accuracy standards under FCRA XXXX. 
The payment history on Equifax displays " XXXX  '' and " XXXX '' simultaneously for over 24 months while listing the account as charged-off. This is false, misleading, and not Metro 2 compliant.

The account is marked as charged off but shows a $ 0 monthly payment, which misrepresents the original terms and violates Metro 2 formatting standards. 
The Date of First Delinquency ( DOFD ) is missing or inconsistent, making it impossible to verify if the account is being reported within the legal 7-year window. This is a critical violation of FCRA 605 ( c ). 
The account was previously disputed, but XXXX XXXX has failed to conduct a proper reinvestigation under FCRA 611 ( a ). They continue to furnish inconsistent, inaccurate, and unverifiable data without validating the information under 15 USC 1692g ( b ).

Given these legal discrepancies, I am demanding the immediate and permanent deletion of this account from my TransUnion and Equifax credit reports. These errors are materially damaging and constitute willful noncompliance. 
If this account is not deleted, I am prepared to pursue this further through litigation and complaints to the FTC and State Attorney General. I Have a paper trail of complaints.

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 2025-04-17 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: OH

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-04-17 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: LEXISNEXIS
State: DC

Complaint narrative:
I just checked my credit and found some inaccuracies. According to the fair credit reporting Act, section 611 of FCRA you have a responsibility of promptly deleting any information which is inaccurate or incomplete so it doesnt get reported in my report. This is my understanding as well. Its important to note that under the FCRA, even if an account has only been speculated upon or never confirmed in any way the burden falls on you ( the credit bureau ) to provide evidence of its veracity before it can, be placed on my credit report the information in my credit report is wrong! It was never proven to be factual,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-04-18 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: NC

Complaint narrative:
My name is XXXX XXXX please take note that I am personally writing this complaint. Again, no third party involved. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I am not aware of all of this stuff ; I will have the FTC investigate 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 2025-04-17 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: IL

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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:
This letter serves as a formal follow-up to my previous correspondence regarding your agency 's ongoing refusal to comply with the Fair Credit Reporting Act ( FCRA ), specifically in connection with my properly filed identity theft report submitted through IdentityTheft.gov. 

To date, your agency has not provided any satisfactory justification for rejecting this report, nor have you taken the necessary steps to investigate or remove the clearly fraudulent accounts listed below from my credit file. As reiterated in my prior letter, federal lawincluding FCRA Section 605B and Section 617requires you to accept valid identity theft reports from consumers, including those submitted through the Federal Trade Commissions IdentityTheft.gov platform. Nowhere does the law require that such reports originate solely from a law enforcement agency. 

Your continued rejection of my legally sufficient identity theft affidavit is not only unsupported by federal law but also constitutes willful noncompliance with the FCRA. This failure to act in accordance with clearly established legal procedures and CFPB guidance reflects blatant disregard for my rights as a consumer and victim of identity theft. Let me be clear : This is your final notice. You are in violation of federal law by continuing to report and verify accounts that were opened fraudulently and which I have already disputed with appropriate documentation. 

If I do not receive confirmation within 15 calendar days that these accounts have been permanently removed and that my credit file has been updated to reflect the resolution of this matter, I will proceed to : 1.File formal complaints with the Consumer Financial Protection Bureau XXXX CFPB ), Federal Trade Commission XXXX FTC ), and my State Attorney General. 

2.Initiate legal action for your violations of FCRA Section 617 and for any damages sustained as a result of your unlawful reporting and failure to investigate. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
I have a Vanilla Visa gift card here, actually XXXX of them. One has about {$20.00} on it, and the other has {$48.00}. However, neither have worked in the pas month. I've attempted to use them multiple times each, on different sites, and it just says I need another form of payment. I have went to the website to try to report a problem, and it took a long time, but I finally was able to talk to Customer Support yesterday, XX/XX/XXXX. Customer Support offered to open a case to find out what was wrong with the card. However, they said that they needed a drivers license to show them. I am underage and do not have a drivers license. They also said they needed proof of purchase ( she had a rough accent but i believe thats what she said ), but these gift cards were given to me as gifts, so I didn't have any. Both cards are active and are said to have the right amount when I check the balance on VanillaGift.com, but they don't work.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
On XX/XX/year>, I purchased XXXX  one-way airline tickets to XXXX, XXXX through XXXX, XXXX my XXXX 's XXXX credit card, which is issued by Synchrony Bank XXXX The tickets were advertised at {$670.00} each, and I expected to be charged that amount per ticket. Only XXXX transaction posted correctly at {$670.00}. The remaining three transactions posted at {$3000.00} each, which is over XXXX times the expected price and completely unreasonable for a one-way, non-direct flight to XXXX. 

I immediately contacted XXXX, expecting them to acknowledge a possible pricing or technical error. However, they refused to assist or investigate. After returning from the funeral, I contacted Synchrony Bank to dispute the charges. My first dispute was closed on the grounds that I had not provided documentation, even though I was told my credit card statement showing the price discrepancy would be sufficient. 

I reopened the case and submitted my billing statements along with a receipt showing the correct {$670.00} charge. Despite this, the dispute was again denied with a vague explanation : " We have not received proof that the account is owed a credit. '' I believe Synchrony Bank has violated Regulation E ( 12 CFR 1005.11 ) in the following ways : Failure to promptly initiate the dispute : I re-appealed my case by phone on XX/XX/year>. However, I did not receive confirmation that the case was opened until XX/XX/XXXX. Regulation XXXX requires the bank to initiate the investigation promptly upon notice. 

Failure to provide a provisional credit or resolve the issue within XXXX business days : Regulation E requires a bank to either resolve the dispute or issue a provisional credit within XXXX business days. This did not happen. 

I feel I am being taken advantage of during a difficult time, and no reasonable explanation has been provided as to why XXXX of the XXXX transactions were charged at such an extreme and unjustified amount. I am requesting that Synchrony Bank issue a refund for the overcharges and that this matter be properly investigated. I am simply seeking a fair outcome and to be protected from what appears to be a pricing or billing error.

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 2025-04-17 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Peer Advisors, LLC
State: CO

Complaint narrative:
I am the power of attorney for my parents. They got a reverse mortgage which is serviced by XXXX in XXXX through XXXX XXXX. In XXXX XXXX, they moved into Assisted Living. In XX/XX/XXXX I contacted XXXX on their behalf to discuss how to turn back the house. They requested that I send them a written request to start the deed in Lieu of Foreclosure process. I sent this written request to them on XX/XX/XXXX with copies of the power of attorney documents. I was told it would take a minimum of 90 days to complete the process. I have been in communication with them several times. On some occasions that have asked for clarifing information or additional documentation. In every case, I have responded and provided requested information within 24 hours. 

Next week it will be 180 days since we started, the process is still not complete and I do not have any communication from XXXX as to when the process will be complete. In the meantime, I have to still pay ongoing utilities, taxes, HOA and upkeep expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Unexpected fees — 
Company: SANTANDER HOLDINGS USA, INC.
State: RI

Complaint narrative:
Santander Bank contacted to inquiry about late fee assess on last payment of XXXX  month personal loan. Santander Bank stated that payment posted on XX/XX/year> and last payment was due XX/XX/year>. Payment was made over the phone for amount of {$20.00}. Receive letter of confirmation of XXXX transaction dated XX/XX/year> and subsequent letter that {$20.00} on transaction date XX/XX/year> returned due to account ending in XXXX was returned. Continue to receive bill for {$1.00} charge for late fee that Santander has sent letter the account is closed and Santander has sent additional {$20.00} late fee since.

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