vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 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:
These accounts were created without my knowledge or consent, and I should not be accountable for them. I urge you to take swift steps to correct this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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:
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 2025-05-22 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-05-22 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
This dispute is directed at Synchrony Bank and raises serious concerns regarding the handling of my personal and financial information in connection with a Synchrony Bank Amazon Store Card account I opened in XXXX, which defaulted in XXXX and was subsequently charged off in XXXX of XXXX. According to the Amazon Store Card Agreement issued by Synchrony Bank, the Privacy Notice outlines their obligations to protect consumers personal information and specifies limited scenarios where information may be shared, such as with affiliates or for marketing purposes. However, the agreement makes no mention of selling or transferring consumers ' private information or charged off debt to non-affiliated third party debt buyers. On XX/XX/XXXX, I contacted Synchrony Bank to inquire about this account which I am currently involved in litigation with XXXX XXXX XXXX with. I was informed by Synchrony Bank that the account was sold to a company called XXXX XXXX XXXX XXXX in XXXX of XXXX. I find this alarming and inconsistent with both their stated commitments and their legal obligations under federal consumer protection laws. XXXX XXXX XXXX XXXX is neither an affiliate of Synchrony Bank nor a licensed debt collector in many jurisdictions, but rather a third party debt buyer. I assert that the unauthorized transfer of my personal information -- including name address, account number, and alleged balanced -- to this entity constitutes a breach of Synchrony Banks privacy obligations, and represents a failure to safeguard confidential data, and unfair business practices. This transfer has resulted in unwanted harassment and a frivolous lawsuit by entities associated with XXXX XXXX XXXX XXXX, which constitutes unjust enrichment and exposed me to harm not contemplated in the original agreement. Furthermore, over a month ago. I forwarded a Freedom of Information Act ( FOIA ) request Synchrony Banks legal department seeking documentation relating to the account history, assignment and disclosure practices, and to date, I have not received any response. This continued silence only compounds my concerns about transparency and compliance.

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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: The Savings Group, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, I reported to The Savings Group/Autopay that I lost my job and could not make the monthly payments. I advised that I was up to date on payments and wanted the vehicle picked up before I went past due, so it would not severely impact my credit. My next payment was due on XX/XX/XXXX, and I was assured that it would take about a week to get the voluntary repossession scheduled. 

When over a week went by, I called again to inquire about the pick-up of the vehicle since I was told that I would need to provide the driver with the keys, and I needed to retrieve the tags on the vehicle to turn into XXXX. I had cancelled the insurance on the vehicle since I was told it would be scheduled. Again, I was assured that this would take place before my next payment. I have a letter from the company dated XX/XX/XXXX confirming this. I made repeated calls when the vehicle was not picked up after the payment was due on XX/XX/XXXX, and continued to call up until XXXX. I talked to several representatives who continued to state this would be cared for. On XX/XX/XXXX, the vehicle was repossessed, without any notice or warning, and I received a notice saying that I breached my contract and the vehicle was being sold, and I would be responsible for the balance. I wrote a letter to the company per the advice of an attorney, requesting calls to be reviewed, provided documentation of what was agreed, and a timeline of expected response. The company never responded to my inquiry, only acknowledging they received my request. 

I was in total disbelief that they failed to honor their agreement with me and severely damaged my credit. I lost XXXX points on my credit due to their breach of the agreement. I am requesting that my credit be restored, that the repossession is corrected to voluntary, and compensatory damages. I have all documents, emails to the company, and their confirmation email stating this was a voluntary surrender.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Novo Platform Inc.
State: IL

Complaint narrative:
I am filing this complaint because I am a victim of identity theft and my Novo checking account has been compromised. I have not used the account in several years, but recently discovered that cybercriminals gained unauthorized access to it. The associated EIN for the account was dissolved over a year ago. 

Upon realizing that my account had been breached, I immediately contacted Novos customer support to report the incident and requested that the account be closed to prevent further misuse. Novo sent me an ID verification form, which I completed and submitted in good faith. However, it has been over two weeks since I submitted the form, and I have received no follow-up or resolution. Ive sent multiple emails, including a full recap of my situation, but the only responses Ive received have been automated emails stating that they havent heard back from me, which is inaccurate as I have responded each time. 

This lack of communication and failure to address my account security issue is causing me considerable distress. I have requested the account be shut down, but Novo has not taken any meaningful action to resolve the situation. I am requesting that Novo immediately close the compromised account, provide confirmation that no further fraudulent activity has occurred, and assist me in recovering any losses due to the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-05-22 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: MI

Complaint narrative:
I have tried several times to order a prepaid debit card from Cashapp & it will not allow me to. I have contacted their support & they dont tell me the reason why I cant have one. I have never went against their standards, policies or procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: NY

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX  # XXXX * * * * * * - Date Opened XX/XX/year> Account Name : XXXX  # XXXX * * * * * * - Date Opened XX/XX/year> UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: NY

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : CXXXX XXXXXXXX # XXXX * * * * * * - Date Opened XX/XX/year> Account Name : XXXX # XXXX * * * * * * - Date Opened 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 2025-05-22 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:
I insist that these fraudulent accounts be eliminated from my credit report, as I never opened them and had no knowledge of their existence. Per USC 1681g, I am requesting their deletion within XXXX  days. Enclosed are relevant documents as proof.

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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I want to emphasize that this complaint is valid and not made in error. My credit report contains inaccuracies that fail to meet the standard of maximum possible accuracy. These errors are causing ongoing harm to my financial well-being during an already difficult time. I respectfully urge that these inaccuracies be promptly investigated and corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Personal information incorrect
Company: Nelnet, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXXXXXX XXXX XXXXXXXX ] [ XXXX ] [ XXXX ] Date : [ XX/XX/year> XXXX XXXX XXXX XXXX Nelnet [ Insert Nelnets Address if known ; example below ] XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Subject : Request for XXXX XXXX Dear XXXX XXXX XXXX XXXX Nelnet, I am writing in response to a recent communication I received from your office regarding an alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX, I am formally requesting validation of the debt you claim I owe. 

Please provide the following information : XXXX. The total amount of the alleged debt ; XXXX. The name of the original lender or loan servicer ; XXXX. A copy of the original loan agreement bearing my signature ; XXXX. An itemized statement explaining how the amount owed was calculated, including principal, interest, fees, and any other charges ; XXXX. Verification that Nelnet is authorized to collect on behalf of the U.S. Department of Education, and proof that you are licensed to collect debts in my state ( if applicable ). 

Please note that I request all communication be conducted in writing. Until you provide the requested documentation, I am requesting that all collection activity be suspended, including reporting this debt to any credit bureaus. 

This letter is not an acknowledgment of or agreement to any alleged debt. It is a request for validation made under my rights as a consumer. 

Sincerely, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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:
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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 explanation
Consumer complaint received 2025-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2025-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I sold some shoes to XXXX XXXX, Received a check from them for {$1300.00} and tried to mobile deposit it into my bank. The check was placed on hold and eventually locked on XX/XX/XXXX, my whole account was frozen with no access to the check. Truist bank refuses to release the check because they believe it is a fraud check which it is not. I went to the business I got the check from and had truist speak to the owner of the business which wrote me the check to confirm everything, truist still refuses to release the check to me.

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 2025-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: SC

Complaint narrative:
Ive been using a ROBINHOOD spending card for about a year now. It is how I get my paychecks. This morning after trying to transfer my money into crypto, I received a notification saying all of my accounts had been restricted for suspicious activity and that action was required to lift it. I tried to contact Robinhood through a virtual assistant but it gave me no option to ask any questions. 
Ive emailed them but the only response I get is that they will contact me by XX/XX/XXXX and that there is no action required until then. This leaves me with no money until they allow me to access the funds in my account. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have tried to get my offer from chase for the welcome bonus and now they are saying i can not get it because they gave me a different offer when I originally did not sign up for the offer they are stating. They do not want to give me the money they owe me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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 do not recognize these inquiries, and they seem unauthorized. I kindly request prompt action to resolve this issue. The attached documents provide further details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: OH

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief