vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
Regions bank took money out of my account on XX/XX/XXXX without authorization. There is no transaction record in the account for the amount taken which {$200.00}. I called and asked why that money was taken from the account. They stated that it was due to a delinquent account from XXXX that they chose to taken money to cover for. I asked what account and for further information, however, they declined to answer and said I needed to go to a branch location.

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 2025-04-13 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:
I RECENTLY REVIEW MY CREDIT REPORT AND I NOTICE FRAUDULENT ACCOUNTS. PLEASE REMOVE THESE ACCOUNTS THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 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: FL

Complaint narrative:
I have disputed multiple times with EXPERIAN showing a late payment for XXXX XXXX XXXXXXXX Acct # XXXX the last 4 of this account is XXXX, i have told them that this account has never been late. I received paperwork from XXXX XXXX XXXXXXXX that shows a late payment on account # XXXX which is not being reported, if EXPERIAN had actually VERIFIED this account, it should have been removed from my account. It has not been removed violating my rights to accurate information being reported. Also, I have disputed an incorrect address being on my account and have provided verification both electronically and by certified mail to be told there is no address on my account. I have filed complaints with documentation with CFPB. I am also sending this documentation to them EXPERIAN and CFPB again as an Intent to Sue/Demand Letter.

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 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have accounts with Equifax, Experian and Transunion. I can easily access the first two, but TransUnion I've been having an issue accessing the website for months. At first, I had trouble even logging in because it said the verification code was incorrect, which it wasn't.

I contacted the Live Chat help and got back in, but then was unable to access my report. They have a pay block on it, so you need to pay in order to even check your information, which, fine, is annoying if if I must I must. 

My cc is on file, it has been since XX/XX/year> where I first froze my account. I never got an email alerting me that the payment ever stopped or was cancelled. I tried to enter my cc information on the site to re-instate the subscription but their website is broken. Literally, I can not get past that screen. I tried contacting support twice, all they've said to be is that the only thing they can try to do is deactivate my account so that I can create one again. That concerns me.

If their website is broken, what if I can't even make an account again. They have been zero help, I have screenshots of the paywall on their website that I've been stuck in, and it's clearly broken on their end. If I enter my cc information and click submit, it takes me back up and highlights the gift code section in red which, gift code?? I just want to pay and it won't let me. You can even see at the top the broken " undefined '' yellow section ( screenshot attached ). 

I've tried clearing cookies and caches, switching web browsers etc. They can't I can't access the app on my phone without an active subscription, but if I can't even access my subscription, that means I will never have access to the app and therefore never have access to my credit information or to freeze/unfreeze. Clearly now, it's not frozen, which I don't want, I want it to be frozen. 

Help. This can not be legal.

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 2025-04-14 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 writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 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: OH

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I am writing in direct response to Synchrony Banks unsatisfactory reply to my original complaint regarding the abrupt and unjustified closure of my XXXX XXXXCar Care account. 

Synchronys response fails to address the core concerns raised in my initial submission, specifically : Lack of Due Diligence Synchrony claims they acted based on credit report data, yet made no reasonable effort to investigate the legitimacy of the underlying mortgage dispute, which remains unresolved and is currently under review. They took punitive action based on disputed information, which undermines the integrity of the consumer dispute process. 
Failure to Consider Credit History At no point did Synchrony evaluate my long-standing positive account history. Their action was abrupt, one-sided, and entirely lacking in transparency or proportionality. 
Harmful Impact on Credit Profile Their decision has caused substantial damage to my credit utilization ratio, thereby negatively affecting my credit scoredespite no wrongdoing or delinquency on my part. 
Insufficient Justification Synchronys vague and boilerplate response does not offer a clear, documented rationale for closing the account. They did not address my request for a detailed explanation nor did they explain how this action aligns with their own internal policies or industry best practices. 
As such, I am formally requesting further intervention by the CFPB. Synchrony Banks actions, left unchecked, represent a pattern of arbitrary account closures based on disputed credit data, harming consumers with no clear recourse. 

If this matter is not resolved to my satisfactionincluding a formal, transparent justification for the account closure, and a correction of any damage done to my credit reportI will be pursuing legal remedies. This includes the exploration of class action litigation against Synchrony Bank for engaging in potentially unfair and deceptive practices affecting consumers in Arizona and nationwide. 

I respectfully request the CFPB require Synchrony Bank to : Provide a detailed, documented justification for the closure. 
Reopen the account or offer restitution if no legitimate basis for closure is established. 
Correct any misreporting to credit bureaus caused by this action. 
Review and reform their policies on handling credit disputes and related account closures to prevent future consumer harm. 
Thank you for your continued attention to this matter. Please let me know if you require additional documentation.

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 2025-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Corp Solutions Inc.
State: SC

Complaint narrative:
I am in receipt of a lawsuit from Credit Corp Solutions Inc filed with my county for a XXXX XXXX for an amount alleging per their lawsuit of {$1200.00}. 

Credit Corp Solutions Inc does not provides a statement from XX/XX/XXXX. They acknowledge via Affidavit of Debt that the account was opened in XX/XX/XXXX. 

What is notable is the only information they have provided is a last payment made in XX/XX/XXXX of {$340.00} via checking account draft and on XX/XX/XXXX, the following month they charged the debt off. I am contesting this suit and denying the charges they have proposed. 

The reason I am here is I am representing myself and seeking to print the terms of my XXXX agreement of XXXX in order to push the court to take this suit out of court and into arbitration. 

Honestly I believe I could be part of the Case filed XX/XX/XXXX of XXXX XXXX XXXX Bank. Here is the link for that case. 

XXXX XXXX XXXX XXXX XXXX My goal right now is to get the XXXX XXXX  terms and conditions to present with my Answer and Motion to Compel Arbitration and Stay Proceedings and if possible get all records from XXXX concerning this account. 

I was just sued on XX/XX/XXXX and taking affirmative action right away. Your assistant is greatly appreciated especially responding to the appropriate XXXX agreement concerning Arbitration Clause. 

My phone does not have a scan feature and I am not doing well trying to get my suit scanned. XXXX is not sending a verification code for their app. 

Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: AL

Complaint narrative:
Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving me with inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnish, accepting unreliable responses, and failing to notify consumers of dispute outcomes adequately. These failures align with my experience, where Experian has neither corrected nor disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kikoff Inc.
State: SC

Complaint narrative:
This letter is not a refusal to pay but a formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ). I request that you provide : Proof that this debt is mine and legally enforceable.

The original signed agreement or contract linking me to this account.

Documentation showing the full history of the debt, including the original creditor.

Any judgments, insurance claims, or assignments of the debt.

Until you provide this information, you must cease all collection efforts and remove any negative reporting from my credit file. If you can not validate this debt within 30 days, I request that it be permanently removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: Advanced Resolution Services Inc.
State: VA

Complaint narrative:
I demanded that your company and all of its partners, affiliates, data brokers, and marketing entities immediately cease all sharing, use, or sale of my personal data without my explicit and informed consent. 


I am formally demanding that your company and all of its partners, affiliates, data brokers, and marketing entities immediately cease all sharing, use, or sale of my personal data without my explicit and informed consent. This includes any activity related to consumer reporting, profiling, marketing, or third-party access. 
I previously requested to opt out of all third-party data sharing and reporting. That request still stands. I now reiterate and escalate that request with legal force. You are hereby ordered to permanently opt me out of all consumer reporting and marketing systems maintained or used by your company. 
You are obligated to comply with the following federal statutes under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681b ( a ) Limits the use and disclosure of consumer data to only those purposes explicitly authorized by law.

15 U.S.C. 1681e ( a ) Mandates that consumer data handlers follow strict procedures to ensure the accuracy, lawfulness, and permissible use of such data.

15 U.S.C. 1681g ( a ) ( 1 ) Grants me the right to request and receive a complete disclosure of all personal information your organization holds.

15 U.S.C. 1681c ( a ) Prohibits the retention of obsolete or outdated consumer data beyond allowable federal limits.

15 U.S.C. 1681i ( a ) ( 5 ) Prohibits reinserting previously deleted data into any system without proper certification and written notification to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Subject : Violation of FERPA and FCRA Request for Removal of Student Loan Accounts from Credit Report To Whom It May Concern, I am writing to file a formal complaint and request the immediate removal of student loan accounts listed on my credit report that violate my rights under the Family Educational Rights and Privacy Act ( FERPA ) and the Fair Credit Reporting Act ( FCRA ).

The accounts in question were reported to credit bureaus without my written consent or proper disclosure under FERPA guidelines. According to FERPA ( 20 U.S. Code 1232g ( b ) ), personally identifiable education recordsincluding financial aid, student loans, and enrollment statuscannot be disclosed to third parties, including credit bureaus, without prior written consent from the student.

No such consent was ever given in writing for the reporti
ng of these loans to Equifax, Experian, TransUnion, Innovis, or Sagestream.

Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b ( a ) ( 2 ), a consumer reporting agency may only furnish a consumer report with the written instructions of the consumer. Since this authorization was never granted, the reporting of these student loan accounts constitutes an illegal furnishing of data.

Furthermore : 15 U.S. Code 1681s-2 requires furnishers of information to provide accurate data. Reporting without consent, in violation of FERPA, means the information is both unauthorized and unlawful.

15 U.S. Code 1681i ( a ) ( 5 ) ( A ) requires that unverifiable or unlawful accounts must be deleted from the consumers credit file after reinvestigation.

Given these facts, I demand the immediate deletion of all student loan accounts reported in violation of federal law and my educational privacy rights. If the student loans can not be verified with legal written authorization under FERPA, they must be permanently removed from my credit reports within 30 days of this notice.

Failure to comply will result in further legal actions, including civil claims under : FERPA : 20 U.S. Code 1232g FCRA : 15 U.S.C. 1681n and 1681o ( for willful or negligent non-compliance ) I respectfully request that the CFPB and FTC investigate this matter, and that the reporting agencies be compelled to produce documentation of my consent to report educational recordsif such documentation does not exist, the data must be removed.

Please notify me of the results of this investigation and the actions taken. 

Sincerely, 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 non-monetary relief