vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 2025-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
In XXXX, I ordered shoes from XXXX XXXX and they were counterfeit shoes. I took the to a local shop to have them authenticated and they destroyed the shoes because of them being counterfeit. I disputed a portion of the transaction with Citi and they say Im responsible for the transaction. Its illegal to sell counterfeit goods and Citi is supporting these companies selling illegal goods.

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 2025-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd.
State: WA

Complaint narrative:
XXXX and XXXX XXXX XXXX started calling me during my medical recovery period to settle a debt. I told them to resend the information because I hadn't received it. I was not working during to my recovery and was not able to work. I did not receive the documentation and tried to call the XXXX XXXX XXXX XXXX to get my credit in order, only to find that I owed less than I thought and less than it would to qualify for. It wasn't until after that call that I received a detailed email about the debt. This attempt to collect a debt, extremely hindered my ability to find work. They involved themselves in my job search process as a person that they were not and left me owing far more debt and an extremely lower credit store than I had to begin with, trying to recover from the debt. Now, I am worried that they are going to do the same things to me, to my husband 's work, which would absolutely devastated us.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I have written to Experian on 3 separate occasions, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, with no response. In fact, upon looking at my report with Experian, there were several items that were put back on my credit report without letting me know anything on or around XX/XX/XXXX. ( i.e., XXXX XXXX XXXX {$530.00}, XXXX XXXX XXXX {$2900.00} just to name a few ) All three letters I disputed the same accounts and personal Information. I asked them to send me written verification within 15 days that they received my letter, and at the end of their verification, to send me a letter letting me know how they investigated it, when, and what the results of their investigation were. I see where they opened up a dispute once, and then said it was verified within 6 days after the dispute. I never got anything from them letting me know anything! They still haven't touched my personal information! I'm frustrated as XXXX with them!! There are numerous things wrong with my credit report, but they refuse to fix them! It is negatively affecting my chances of receiving things I desperately need right now!

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 2025-05-01 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: MN

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-05-01 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: FL

Complaint narrative:
Upon reviewing my credit file, I identified potentially incorrect and questionable remarks that appear to lack proper verification. As a consumer, I am exercising my rights to request the immediate removal of these items in compliance with both federal and state consumer protection laws. This letter also serves to confirm whether your reporting practices align with the Fair and Accurate Credit Transactions Act ( FACTA ), Title 1, Section 151, which sets clear guidelines for proper verification procedures. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$970.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$110.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$21000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$96.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$560.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$110.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$3000.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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:
Upon reviewing my credit file, I identified potentially incorrect and questionable remarks that appear to lack proper verification. As a consumer, I am exercising my rights to request the immediate removal of these items in compliance with both federal and state consumer protection laws. This letter also serves to confirm whether your reporting practices align with the Fair and Accurate Credit Transactions Act ( FACTA ), Title 1, Section 151, which sets clear guidelines for proper verification procedures. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$970.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$110.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$21000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$96.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$560.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$110.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$3000.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-05-01 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: NJ

Complaint narrative:
I am disputing inaccurate and inconsistent reporting on my TransUnion, Experian, and Equifax credit reports by XXXX XXXX XXXX. For years, the account in question was listed as NR ( No Reporting ), indicating no monthly updates. However, after I initiated a dispute in XX/XX/XXXX, XXXX  retroactively changed the historical data to change the monthly reporting to show multiple years of C/O ( Charge-Off ) status, changed the late payment history ( XX/XX/XXXX ) and changed the closure date of the account. All of these actions resulted in my credit score plummeting -- a drop of XXXX points ( depending on the credit bureau ) in my credit score, which has had a serious and unfair impact on my creditworthiness. 

I believe this violates the Fair Credit Reporting Act ( FCRA ), as furnishers must report data accurately and consistently. TransUnion, Experian, and Equifax accepted and applied this dramatic retroactive change without sufficient verification, which I believe is negligent and harmful. I am requesting CFPBs help to ensure this is properly investigated, corrected, or removed entirely if the data can not be verified as consistently reported. 

Please see attached exhibits which demonstrates the inconsistent reporting. Exhibit A showing reporting from XX/XX/XXXX and Exhibit B showing reporting from XX/XX/XXXX. Additionally, I have full credit reports from throughout the last couple of years that further substantiate what I am saying.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: NJ

Complaint narrative:
I am disputing inaccurate and inconsistent reporting on my TransUnion, Experian, and Equifax credit reports by XXXX XXXX XXXX. For years, the account in question was listed as NR ( No Reporting ), indicating no monthly updates. However, after I initiated a dispute in XX/XX/XXXX, XXXX  retroactively changed the historical data to change the monthly reporting to show multiple years of C/O ( Charge-Off ) status, changed the late payment history ( XX/XX/XXXX ) and changed the closure date of the account. All of these actions resulted in my credit score plummeting -- a drop of XXXX points ( depending on the credit bureau ) in my credit score, which has had a serious and unfair impact on my creditworthiness. 

I believe this violates the Fair Credit Reporting Act ( FCRA ), as furnishers must report data accurately and consistently. TransUnion, Experian, and Equifax accepted and applied this dramatic retroactive change without sufficient verification, which I believe is negligent and harmful. I am requesting CFPBs help to ensure this is properly investigated, corrected, or removed entirely if the data can not be verified as consistently reported. 

Please see attached exhibits which demonstrates the inconsistent reporting. Exhibit A showing reporting from XX/XX/XXXX and Exhibit B showing reporting from XX/XX/XXXX. Additionally, I have full credit reports from throughout the last couple of years that further substantiate what I am saying.

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 2025-05-01 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
On or around XX/XX/year>, Synchrony Bank automatically withdrew {$8000.00} from my account via autopay for my XXXX XXXX credit card. My minimum payment due was only {$160.00}, as clearly stated in the statement they emailed me. 

I did not intend to pay the full balance and was not provided with a clear confirmation or warning that the entire statement balance would be auto-drafted. This caused an unexpected and significant financial burden. 

When I contacted Synchrony via live chat, they acknowledged that autopay was set to draft the statement balance. I requested a refund of the overpayment ( the difference between {$8000.00} and {$160.00} ) to be returned to my credit card account, but they insisted they could only issue a paper check, which would take XXXX weeks to arrive. They refuse to give me a confirmation to the refund and are doing their best to be unhelpful both online and on the phone. 

I expressed that this delay was unacceptable, as it created immediate financial hardship, and that receiving a check instead of a reversal to the original payment method could have tax implications and does not resolve the issue in a timely or appropriate manner. 

I believe this situation qualifies as a billing error under the Fair Credit Billing Act ( FCBA ) and have requested a refund to be issued back to my card, or an expedited check at their expense. Synchrony has so far refused to take corrective action beyond a delayed mailed check. 

I am requesting the CFPB 's assistance in compelling Synchrony Bank to return the overcharged funds promptly and appropriately.

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 2025-05-01 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND XXXX  HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: PR

Complaint narrative:
Charged off account XXXX XXXX should not be on my report. I was going through a rough time when that was added to my account and would like it to be removed from the account as soon as possible. I'm available to cooperate with any and all information needed. Thank you!

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 2025-05-01 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: AZ

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 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 2025-05-01 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: AZ

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 2025-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
i submitted a mobile check deposit on XX/XX/XXXX for {$910.00}. i was told that the funds would be on hold till XX/XX/XXXX. everything was going smoothly, up until XXXX $ XXXX, they decided to restrict my account ( acc ending in XXXX ). and then the next day which would be the XXXX ( the day the funds would be available ), my funds now became available. but they have placed my account on a restriction. when i called chase fraud department they continually said they cant lift the restriction cause they cant verify the check. but i already went through the check cashing process, went through the hold on my funds, etc... i just want my money im owed. im happy if they close my account, but thats only if they issue me a check with how much i had on the account

Company response to consumer: Closed with explanation