vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint regarding an unfair and exploitative policy enforced by XXXX credit card by Synchrony Bank that imposes unnecessary financial burdens on consumers. The bank refuses to provide mailed monthly statements unless customers pay an excessive {$2.00} per statement fee. This effectively forces account holders to either : Accept electronic statements and manage their accounts entirely online, or XXXX in autopay to avoid the fee. 
This practice is unfair, coercive, and potentially in violation of consumer protection laws. Customers should not be penalized for preferringor needingpaper statements, which are a fundamental part of responsible financial management. Furthermore, this policy disproportionately affects individuals who lack reliable internet access or prefer traditional banking methods.

I believe this may violate provisions of the Truth in Savings Act ( TISA ) and CFPB regulations regarding transparency and fairness in financial services. I request that the CFPB investigate this matter and take appropriate action to ensure that banks do not unfairly restrict access to essential account information. 

Please let me know the next steps regarding this complaint. I appreciate your prompt attention to this issue.

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 2025-02-06 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: CA

Complaint narrative:
Im writing to formally dispute an account on my credit report that I believe was opened through unauthorized and fraudulent use of my identity. This account does not belong to me, and I did not give consent for it to be opened or used in any way.

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I cant see my credit report on Experian.com and each time someone run my credit it keeps saying insufficient credit and when I check my credit history it say it stuck from 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 2025-02-06 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: TX

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate, incomplete, and unverified information on my credit report in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). The disputed information is causing harm to my financial standing, and I am requesting its immediate removal. 

Upon reviewing my credit report, I identified multiple charge-offs, collections, and other negative remarks that appear to be inaccurate, unverifiable, or reported in violation of federal law. Specifically, I dispute the following accounts : JPMCB Account # XXXX ( Charge-Off ) JPMCB  Account # XXXX ( Charge-Off ) XXXX XXXX XXXX Account # XXXX ( Collection ) XXXX XXXX Account # XXXX ( Late Payment or Other Negative Item ) Reasons for Dispute : The disputed accounts contain inaccurate and unverifiable information that must be deleted under 15 U.S.C. 1681i ( a ) ( 5 ).

The credit bureaus and furnishers failed to conduct a reasonable reinvestigation as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 
Some accounts may have been reinserted into my credit file without proper certification and notice, violating 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

The reporting agencies may have failed to maintain reasonable procedures to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). 
Legal Violations and CFPB Complaint Consideration : If these violations are not corrected within the legally mandated timeframe, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. Additionally, I may pursue legal action to seek damages for violations of my rights under the FCRA and the Consumer Financial Protection Act ( 12 U.S.C. 5531 et seq. ).

Requested Action : I demand that the following actions be taken immediately : Remove all inaccurate, unverifiable, and negative information related to the disputed accounts. 
Provide me with a corrected credit report reflecting these changes. 
Provide written confirmation that the disputed accounts have been deleted or modified. 
Include a detailed explanation if any items are not removed, along with the method and sources used to verify the information. 
Per the FCRA, you have XXXX  days to complete this reinvestigation. If these items can not be verified as accurate and complete, they must be deleted from my credit file immediately. 

Please respond to this dispute in writing at the address listed above. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate, incomplete, and unverified information on my credit report in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). The disputed information is causing harm to my financial standing, and I am requesting its immediate removal. 

Upon reviewing my credit report, I identified multiple charge-offs, collections, and other negative remarks that appear to be inaccurate, unverifiable, or reported in violation of federal law. Specifically, I dispute the following accounts : XXXX Account # XXXX ( Charge-Off ) XXXX  Account # XXXX ( Charge-Off ) Portfolio Recovery Associates Account # XXXX ( Collection ) XXXX XXXX Account # XXXX ( Late Payment or Other Negative Item ) Reasons for Dispute : The disputed accounts contain inaccurate and unverifiable information that must be deleted under 15 U.S.C. 1681i ( a ) ( 5 ).

The credit bureaus and furnishers failed to conduct a reasonable reinvestigation as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 
Some accounts may have been reinserted into my credit file without proper certification and notice, violating 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

The reporting agencies may have failed to maintain reasonable procedures to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ).

Legal Violations and CFPB Complaint Consideration : If these violations are not corrected within the legally mandated timeframe, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. Additionally, I may pursue legal action to seek damages for violations of my rights under the FCRA and the Consumer Financial Protection Act ( 12 U.S.C. 5531 et seq. ). 

Requested Action : I demand that the following actions be taken immediately : Remove all inaccurate, unverifiable, and negative information related to the disputed accounts. 
Provide me with a corrected credit report reflecting these changes. 
Provide written confirmation that the disputed accounts have been deleted or modified. 
Include a detailed explanation if any items are not removed, along with the method and sources used to verify the information. 
Per the FCRA, you have XXXX  days to complete this reinvestigation. If these items can not be verified as accurate and complete, they must be deleted from my credit file immediately. 

Please respond to this dispute in writing at the address listed above. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  XXXX XXXX # XXXX Account XXXX : XXXX XXXX  # XXXX Account Name : XXXX BAN # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX 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 2025-02-06 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX BANK SS # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$580.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
According to FCRA Section 605B it is illegal to report anything on my credit report without my permission. Please remove this negative item. Thank You - XXXX XXXX XXXX - XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-02-06 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX  # XXXX XX/XX/XXXX -- {$760.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX AUTO XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report and to address the violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically section 1681o, which outlines civil liability for negligence for failure to comply with the Act. I believe that Equifax has failed to properly investigate my dispute or follow the required procedures as mandated by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/XXXX my brother insisted to the XXXX bank branch XXXX that he had legal authorization to sign into my safety deposit box. I was primary owner. He showed her an image on his iphone that was not witnessed, nor signed by my mother ( who passed away XXXX weeks later ). There was nothing notorized. She added him to my safety deposit box without notifying me, nor calling me. She authorized the box be drilled. He proceeded to remove all contents of the box including a XXXX gold submariner ( {$28000.00} ), Tag Heuer wath ( {$1900.00} ), my wedding and engagement rings ( XXXX carets -- {$12000.00} ), {$50000.00} cash, a blank set of checks, a gold necklace and locket. On XXXX he closed the box and I ( primary holder ) was not allowed access only informed it was 'closed. ' I WAS THE PRIMARY OWNER. I Never placed my brother ( XXXX XXXX XXXX XXXX ) as a co owner nor beneficiary. I have been attempting to get answers from XXXX bank for XXXX  years. In the process the bank XXXX was fired, and there have been XXXX other managers in her place. 
On XX/XX/XXXX my brother ( assume using the numbers from my checkbook he had stolen in the above, emptied my checking account and another associated with my name in a fraudulant court ruling for garnishment. XXXX XXXX XXXX XXXX MI never notified me in mail, phone, nor writing of this garnishment. If they had done so I could have petitioned the court to place a hold on the account and contest this. As a result, both accounts were drained to a {$0.00} balance. Now, XXXX XXXX XXXX, Michigan is charging me {$78.00} in overdraft fees!!!!! This was their error ( again ). I have met with XXXX branch managers who inform me that they will reach out to 'legal ' and be in touch but with no followup. 
I am beyond frustrated. I want to pursue legal action but was informed by my other bank that I need to try XXXX XXXX first. XXXX XXXX I VERY MUCH LOOK FORWARD IN TALKING TO SOMEONE ON MY OPTIONS. FROM XXXX BANK XXXX XXXX, MICHIGAN I AM NOW OUT CLOSE TO {$100000.00} and no one responds. I have called corporate, visited with the branch managers, written letters, requested security video. NOTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: AZ

Complaint narrative:
Subject : Request for Investigation and Removal of Incorrect Repossession from XXXX Credit Report Dear Consumer Financial Protection Bureau, I am writing to formally dispute the repossession listed on my credit report by XXXX XXXX XXXX XXXX, which is being improperly reported by the XXXX major credit bureaus. Despite my efforts to correct this inaccurate reporting, the credit bureaus have refused to remove the erroneous information, negatively affecting my creditworthiness. 
Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ), furnishers of credit information, such as XXXX XXXX XXXX XXXX XXXX XXXX required to provide only accurate and verifiable information to credit reporting agencies. If an item is inaccurate, unverifiable, or outdated, it must be removed or corrected. Additionally, under 15 U.S.C. 1681i, credit reporting agencies must conduct a proper investigation when a consumer disputes inaccurate information. Their continued failure to remove or correct this information violates my rights under federal law. 
Furthermore, under IRS Code 26 U.S.C. 6050P, if a lender cancels or forgives a debt of {$600.00} or more, they are required to issue a 1099-C Cancellation of Debt form to the borrower and report it to the IRS. Since the vehicle was sold at auction, and if any deficiency balance was forgiven, XXXX XXXX XXXX XXXX was legally required to issue a 1099-C for tax purposes, which would indicate that the debt has been discharged. If such a form was issued, the debt should not continue to be reported as active or outstanding on my credit report. 
Since the repossession has been reported inaccurately and the necessary legal steps were not followed, I am requesting that the CFPB investigate this matter and ensure compliance with federal laws. I ask that this repossession be removed from my credit report to reflect the accurate status of my financial obligations. 
Please inform me of the next steps in resolving this issue. I appreciate your prompt attention to ensuring that my credit report is fair and accurate. 
Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: MA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX  days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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