vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
On XX/XX/XXXX my Venmo Credit card was stolen and used to make a purchase of {$620.00}. I reported the card stolen as soon as I found my car was broken into. The process of reporting it stolen was challenging and the people who took my call were much more interested in replacing my card than they were in helping me to stop the current card from being used. 

Since this time I have called the credit card company more than XXXX times to check on the status of the claim that I made for the unauthorized purchase. I was repeatedly told that the company had 90 days to make a decision. 

Most recently, I was told that the company had approved the claim and had " accidentally credited my account twice '' with the unauthorized charge amount. I requested the statement because no-where on my account could I see the credited charge. When I received the statement it shows a credit was made on XX/XX/XXXX. This is impossible, given the date the charge happened, XXXX XXXX. 

The math on the statement does not add up. I being told I owe the company {$620.00} plus a {$62.00} balance transfer and late fees. I never asked for them to transfer this balance and had they taken care of the fraudulent charge in a timely manner, I never would have needed a balance transfer. Further, if they had taken care of the fraudulent charge at all, I would have never needed a balance transfer. 

I have spent close to XXXX hours trying to fix this. I have done everything I can to resolve it. I believe XXXX has created inaccurate statements to confuse me, I believe they have not covered the fraudulent charge, and I believe they are now falsifying statements to make it look as if they have while continuing to charge me for the fraudulent charge, ruining my credit and charging me fees on top of it.

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 2025-04-30 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: FL

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. 
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 XXXXas violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( A ) ( 1 ) 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 2025-04-30 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: FL

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. 
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 XXXXas violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( A ) ( 1 ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: NJ

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-04-30 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
On XX/XX/scrub> 2025, I received an email from XXXX in the XXXX XXXX XXXX XXXX at Barclays claiming the merchant contacted me on XX/XX/XXXX and XX/XX/XXXX, but I have confirmed with my phone provider that no such calls occurred. Barclays has not provided any proof of these calls. I also submitted evidence via mail, including emails showing I reached out to the merchant on XX/XX/year>2025, to return the item. The merchant never responded. Despite this, Barclays still claims I didnt try to resolve the issue, which shows they did not properly review the documents I sent. The merchant does not allow return unless you cintact them and get a label from them. The merchant seems to be only be able to reach out to my bank but not me which I find to be suspicious. Furthermore, a letter dated XX/XX/scrub> 2025, was not received until XX/XX/XXXX, yet it stated I had 10 days from the letter date to respond. Another issue is that XXXX XX/XX/XXXX email had the wrong address listed, even though Barclays previously used the correct one. I believe Barclays is acting in bad faith by ignoring evidence, making false claims, and being inconsistent with communication. I am requesting a full review and resolution of this matter. Documents were previously mailed and are attached again here for reference.

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 2025-04-30 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: IL

Complaint narrative:
I recently checked my credit report and saw some accounts and inquiries i dont recognize. I didnt authorize them to be reported on my file, they are fraudulent and i would like to have it investigated and removed or deleted according to FCRA 605B ( 15 U.S.C. 1681c-2 ).

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 2025-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Mortgage Origination Holdings LLC
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, North Carolina XXXX In XX/XX/year>2025, I applied for a refinance loan with XXXX XXXX  ( NMLS # XXXX ) on a property in Tennessee. 

They approved my lease in writing via email. Because it was a unique lease structure, we requested prior approval ; after several email exchanges and requested edits, XXXX formally approved it. I was personally approved and underwritten, including a hard credit check and full supporting documentation. 

The appraisal was ordered, paid for by me, and approved all clear signs the refinance was moving forward. 

Then, after weeks of processing, XXXX suddenly denied the loan without citing any new or material change in my financials or deal structure. This occurred after the lease approval, underwriting, and appraisal approval and after I incurred out-of-pocket costs in good faith. 

Their abrupt reversal appears to be either a bait-and-switch tactic or poor internal process management. All errors occurred on their side, yet I bore the financial and time costs. Despite follow-up attempts, I received no meaningful explanation or resolution. 

Im submitting this complaint to have their conduct formally reviewed and logged. I also want to help ensure others arent misled or financially harmed in a similar way.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Byrider Franchising, LLC
State: MD

Complaint narrative:
I am writing a claim from CNAC, which alleges that I owe a balance of {$6200.00} on an account. I wish to formally dispute this claim, as the debt has already been paid in full. The XXXX that handled this case is not reporting my payments and it is negatively affecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: TN

Complaint narrative:
I have disputed this account several times through all 3 credit bureaus. No one has provided me with the contract showing I signed and agreed to pay this amount to this company and I have asked for it to be removed from my credit report. By law the company has to provide me with information on how they found this account accurate and also report information to my credit report accurately, and they have failed to do so. This debt was sold to this company from a previous debt collection agency, and I had the previous one removed from my credit report because they did not prove that debt was mine. I want this collection removed from my credit report, my report dropped 63 points in one day because of this debt. It is illegal to report to some ones credit file with false information and no validation or originally contracts with my original signature stating I will pay this company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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:
I am requesting that immediate action be taken to investigate and remove this inquiry, as it is unjustified and negatively impacting my credit score and financial well-being. 

Equifax- XXXX XXXX XXXX/XXXX/2023 XXXX  - XXXX/XXXX/2023 XXXX XXXX  - XX/XX/scrub>/2023 XXXX  - XX/XX/scrub>/2023 Experian- XXXX XXXX XXXX XXXX/XXXX/2023 XXXX XXXX XXXX XXXX/XXXX/2023 XXXX XXXX XXXX XXXX/XXXX/2023 XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/scrub>/2023 XXXX & XXXX XXXX XXXX XXXX/XXXX/2023 XXXX XXXX XXXX XXXX/XXXX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-04-30 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: IL

Complaint narrative:
These accounts were not opened by me and appear to be fraudulent. I urge you to conduct a detailed review and remove them from my credit report. Relevant supporting documents are attached.

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 2025-04-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION
State: CO

Complaint narrative:
On my credit it reports there is a closed account and late payments for Credit Acceptance. I requested the information over a month ago. I still have the car in my possession and make bi weekly payments.

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 2025-04-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/year>2025 I was alerted that there was a new inquiry on my credit report for a loan from capital one

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: IL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: IL

Complaint narrative:
I just saw a credit inquiry on my report that I had absolutely nothing to do with. Let me be crystal clear I did not authorize this, and I had no knowledge of it until now. It was done online, and its completely fraudulent. This inquiry was made without my consent, and I had no involvement in it whatsoever. Its not only unauthorized, its also a serious breach of my personal 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
Consumer complaint received 2025-04-30 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: CA

Complaint narrative:
I sent this letter to Transunion Trans Union XXXX XXXX XXXX XXXX, XXXX, IL XXXX RE : Inaccurate Credit Reporting ( 15 USC 1681i ) To whom it may concern ; In accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of considering the accuracy of that information. 
The following account is reporting a balance of {$25000.00} which is inaccurate. It is my understanding and belief that XXXX XXXX XXXX XXXX charged off this debt, and that it was issued a Form 1099C as proof or evidence thereof. That balance should therefore reflect a XXXX ( {$0.00} ) balance on my consumer file. This would indicate inaccurate reporting on your behalf and therefore is a violation requiring the furnisher to correct this inaccurate information. 
Especially with the proper notice and confirmation of the errors ). 
Please remove the account from my credit report completely to avoid legal recourse or action on behalf of myself by retained counsel. 
Thank you for your time and consideration in this matter. I look forward to hearing a favorable reply and forward any correspondence or changes to my credit report to the address listed Regards,

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 2025-04-30 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: NC

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Credit card — Store credit card
Issue: Problem with fraud alerts or security freezes — 
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
XXXX XXXX has stated they have reported my negative balance to now Midland credit to collect the balance which I have no clue about ever having this account at all in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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 a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This morning, I was extremely frustrated to find an unauthorized inquiry on my credit report without any explanation. I checked it like I always do, and suddenly there were errors that Ive never seen before. Refreshing my browser didnt help, which proves it wasnt just a glitch. I urgently need the documents I submitted to be reviewed thoroughly so I can stop stressing over this.

Company response to consumer: Closed with non-monetary relief