vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This letter is to formally notify you of a data breach affecting the integrity of my personal data reported on my Equifax credit report. The account in question is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$45000.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$45000.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$45000.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/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 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
To Whom It May Concern : I am writing in regard to your attempts to collect on an alleged debt. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I hereby demand that you cease all communication with me immediately regarding this debt, except as permitted by law.

Specifically, you may contact me only to : Confirm that you will comply with this request ; or Notify me of specific legal remedies you intend to pursue.

Any further attempts to contact me outside of these exceptions will be considered a violation of the FDCPA, and I will not hesitate to report such violations to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and my State Attorney Generals office.

This letter is not to be construed as an acknowledgment of the debt, nor a waiver of my rights under the FDCPA or any other applicable law. 

Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: TX

Complaint narrative:
I am formally notifying 3 bureus that you are reporting derogatory accounts and inaccurate personal information in violation of the FCRAs accuracy standards ( 1681e ( b ), 1681i ). 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXXXXXX 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

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 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX BANK XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony bank has charged an astronomical amount of interest to trap us into a years long debt. They should be investigated for fraud. The person I spoke with was named XXXX and her badge number is 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 2025-08-28 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: NJ

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and XXXX  that you couldn't put on the FTc report ). Please see the attached file.

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 2025-08-28 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/year>, I was contacted by NFCUs fraud department stating there were big charges on my account. I went to find a charge of XXXX from XXXX XXXX XXXX and another charge of XXXX from XXXX XXXX XXXX. An investigation was done and I was refunded both amounts the next day, XX/XX/year> with the promise of sending me a new credit card. XX/XX/year> both charges have been reinstated on my account and I was told by the fraud department that my case was denied with no explanations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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 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 a 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: SC

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 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 a 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 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 2025-08-28 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: MO

Complaint narrative:
There was a natural disaster in my area XXXX XXXX XXXX  and my payment was paid late due to tornado damage to the home, ( no water, electric, or gas and the house was inhabitable ). The payment was made the following month and up to date. XXXX XXXX XXXX reported my account late, despite FEMA inforing that there was a natural disaster.

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 2025-08-28 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: IL

Complaint narrative:
On XX/XX/XXXX, I submitted a dispute to Experian regarding the accuracy/ownership of a tradeline : XXXX XXXX XXXX XXXX XXXX Experian replied on XX/XX/XXXX, that the item was verified only XXXX days later with no documentary proof. * * * On XX/XX/XXXX, I submitted a Method of Verification ( MOV ) request. On * * * * XX/XX/XXXX, Experian again responded generically online that the furnisher had certified the information as accurate. * * * I received no mailed MOV response, no description of the procedure, and no identification of the individual/entity who verified the information, as required by the FCRA. Experians actions show an unreasonable, automated reinvestigation that parrots the furnisher instead of independently evaluating accuracy. 

Violations : * * * FCRA XXXX ( a ) ( XXXX ) MOV required within XXXX  days after request, including procedure and the name/address/phone of the furnisher. Not provided * * * * * * * FCRA XXXX ( a ) ( XXXX ) ( A ) & XXXX ( a ) ( XXXX ) CRA must conduct a reasonable reinvestigation and delete unverifiable data. XXXX day verification with no documents is inadequate * * * * * * FCRA XXXX ( b ) CRAs must use reasonable procedures to assure maximum possible accuracy. Generic parroting is misleading and not compliant * * * * * * FCRA XXXX ( b ) Furnisher must reasonably investigate upon CRA notice ; Experian can not rely on bare certifications without documentary support. 

XXXX Metro 2 / XXXX During an active dispute, furnishers must transmit dispute cXXXXe XXXX. 

Maintaining or adding derogatories while a dispute is pending is noncompliant and misleading * * * Case support * * * XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) CRAs must do more than parrot furnishers ; reasonable reinvestigation required. XXXX v. XXXX & XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) Furnisher XXXX ( b ) duties to reasonably investigate and correct. 

XXXX v. XXXX & XXXX ;, XXXX XXXX XXXX ( XXXX XXXX  XXXX ) Reporting without noting a bona fide dispute can be materially misleading. 

XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) XXXX XXXX ( Illinois ) recognizes CRA obligations for reasonable procedures and reinvestigation.

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 2025-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AmWest Funding Corp.
State: TX

Complaint narrative:
This summary provides an overview of my formal complaint against AmWest Funding/Loan Servicing for improper escrow account creation despite my approved XXXX Persons Homestead Exemption and Tax Deferral under Texas law .

In addition to the relief requested below - I request CFPB oversight to ensure AmWest corrects these improper servicing actions and adheres to state and federal law. 

Note : City of XXXX Back Office Property Tax XXXX XXXX is actively working on the adjustment. I have asked AmWest to verify this but they have ignored my request. 

Key Facts XXXX property taxes ( XXXX XXXX XXXX City of XXXX ) totaled approximately {$12000.00}. 
In XX/XX/XXXX, I paid {$7500.00} toward this balance in good faith. 
On XX/XX/XXXX, XXXX XXXX XXXX XXXX confirmed approval of my XXXX Persons Exemption and Deferral ( effective XX/XX/XXXX, retroactive to XXXX ). 
Despite this approval, AmWest unilaterally created an escrow account, claimed I was in default, and advanced unauthorized tax payments. 
AmWest has added {$440.00} to my XX/XX/XXXX mortgage payment, causing financial hardship. 

Legal Basis Under Texas Tax Code 33.06, deferred property taxes are not delinquent, only postponed. Therefore, I am not legally in default. AmWests actions violate both my escrow waiver agreement at loan origination and federal servicing standards under RESPA ( 12 U.S.C. 2605 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: NV

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 explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
They stated its in the terms and conditions that the annual fee is {$250.00}. That annual fee is unheard of. There is no terms and conditions when you get the preapproval letter in the mail you scan it with your phone and you hit apply you put your social in and then boom they send you a card. Automatically putting you in debt {$250.00}. They said they can waive {$25.00} of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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 recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and XXXX  that you couldn't put on the FTc report ). Please see the attached file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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:
I am filing this complaint because XXXX XXXX XXXX is reporting a collection account tied to XXXX XXXX on my credit report without my knowledge or authorization. I have no connection, contract, or agreement with either XXXX XXXX XXXX or XXXX XXXX, and this is the first time I have ever seen this account. Reporting this information violates my rights under the Fair Credit Reporting Act ( FCRA ) because, under 15 U.S.C. 1681e ( b ), the credit bureaus are required to ensure the maximum possible accuracy of the information they report, yet they are including an unverified and unauthorized account. Additionally, 15 U.S.C. 1681b requires a valid permissible purpose before placing any item on my credit file, and there is no permissible purpose in this case. This also violates the Fair Debt Collection Practices Act ( FDCPA ) because, under 15 U.S.C. 1692e and 1692g, XXXX XXXX XXXX can not report or attempt to collect on an alleged debt without providing proper validation, which has never been provided to me. This inaccurate reporting is causing credit damage, stress, and emotional distress, and I am requesting that the CFPB assist me in having this collection account deleted from all of my credit reports and require written confirmation of its removal.

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 2025-08-28 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: AL

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 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 a 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I did not authorize this inquiry, and I had no contact with the lender on that date.

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 2025-08-28 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
This account is over 10 years old. It was once removed from my credit report and has since shone back on my report.

Company response to consumer: Closed with explanation