vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 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: GA

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: NY

Complaint narrative:
XXXX XXXX... Paid 2 payments ... 1 was supposed to be an additional principle payment. Wasnt noted as principal. Was told I would be applied to principle in 1 call.... later told in XXXX it would be used as XXXX mortgage payment. I then made 3 additional payments since I didn ' ; t need to pay XXXX... and when XXXX came ... I was charged a late fee and hit my credit score. So in 3 months, I paid mortgage 6 times who knows if they will use payments toward principle.

Enrolled in autopay so this doesnt occur anymore and would like add additional principle payments but do not trust company. Never had such terrrible consumer chaoes. One rep would say one thing and another would say something totally different. After 2 months and they escalleted my acct, still noone contacted me to fix problem. 

Terrible, terrible, terrible

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: CA

Complaint narrative:
b'1. XXXX XXXX XXXX inquiry date XXXX \n2. XXXX XXXX XXXX Inquiry date 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 2025-06-23 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: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
am filing a formal complaint regarding XXXX XXXX XXXX reporting of a {$5000.00} collection account on my credit reports. This account is allegedly tied to a XXXX XXXX balance. However, the following facts prove this debt is inaccurate and unverifiable : 1. The balance allegedly accrued during a period when I was incarcerated and physically unable to open or manage utility services. 
2. I provided incarceration documentation to both XXXX XXXX and the credit bureaus. 
3. I contacted XXXX XXXX directly, and they confirmed the account exists but could not validate or explain the {$5000.00} balance. The XXXX XXXX representative acknowledged that the amount seems off for a typical residential account. 
4. Despite this, XXXX XXXX XXXX continues to report the debt, which is a violation of the Fair Credit Reporting Act ( FCRA ) as the account can not be properly verified. 
5. My previous disputes to both XXXX XXXX XXXX and the credit bureaus have been ignored or improperly investigated. 

I am requesting : The immediate removal of this unverifiable collection account from my credit reports. 
A full investigation into XXXX XXXX XXXX reporting practices related to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: WA

Complaint narrative:
Deposited a large check from my XXXX account to my KeyBank account via ATM on XX/XX/XXXX mid morning my time. At the time of deposit I requested a receipt from the ATM, and no notice of hold was placed. Because of the size of the deposit I did expect that a hold would be placed on the majority of the funds, but that at least {$200.00} of the funds would be made available. When I logged on to check my account this morning XX/XX/XXXX, it was to discover the entire deposit of {$36000.00} was placed on hold until XX/XX/XXXX. I'm fairly versed in Reg CC, and contacted the bank and spoke with a XXXX in their contact center who proceeded to inform me my deposit did not meet standard Reg CC and under Reg CC no funds would be made available to me until XX/XX/XXXX. This make no sense to me as I've not overdrawn this account, I actually have both a LOC with a XXXX limit fully available and Preferred Line of Credit with a XXXX limit fully available. This is a long standing account opened since XXXX of XXXX. Their own funds availability policy indicates at least {$220.00} should have been made available today, and yet it has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: CHERRY TECHNOLOGIES INC.
State: NC

Complaint narrative:
My credit profile has been mishandled by Cherry Technologies and XXXX XXXX XXXX that are fraudulently portraying themselves as legitimate debt XXXX. Both companies are reporting a debt to XXXX XXXX XXXX XXXX, yet neither is licensed to collect debts in the state of Georgia or North Carolina, as required under O.C.G.A. 7-3-29. I have verified this through the NMSL Consumer Access website, and I have attached clear documentation proving their lack of licensing. These companies have no legal authority to collect, report, or pursue debt in Georgia. I am demanding that this account be removed from all three of my credit reports immediately, as its presence is unlawful and damaging. This situation reflects a violation of both state law and the Fair Credit Reporting Act ( FCRA ). I previously filed several complaints that was closed without resolution. I am resubmitting with additional supporting documentation and expect a full investigation and corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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 formally disputing inaccurate and fraudulent information currently reporting on my Experian credit file, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq. Please investigate and permanently remove the following items : XXXX. Fraudulent Account XXXX XXXX  XXXX XXXX : XXXX XXXX  XXXX Account # : XXXX Status : " Account in Dispute under Fair Credit Billing Act '' This account is the result of fraudulent activity and does not belong to me. I did not open or authorize this account, and I am not responsible for any charges or activity associated with it. Under 15 U.S.C. 1681s-2 ( a ) ( 6 ) and 1681c-2, you are required to block and delete fraudulent information once notified and provided with supporting documentation. I demand that this account be removed immediately and not reinserted unless fully verified with written documentation.

2. Unauthorized Hard Inquiries I am also disputing the following unauthorized inquiries, whi
ch were made without my knowledge, authorization, or permissible purpose under 15 U.S.C. 1681b : - 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  XX/XX/year> These inquiries were made without my consent and constitute a violation of my rights under the FCRA. Please remove them from my credit file and confirm deletion in writing. 
Supporting Documents ( attached ) : - Copy of government-issued ID - Proof of address ( utility bill or statement ) - Police report or FTC Identity Theft Report ( if applicable available upon request ) Please complete your investigation within 30 days as required by XXXX U.S.C. XXXX ( a ) and provide me with a written summary of the results, including the specific steps taken and any documentation relied upon in your reinvestigation. 

If these items are not removed or corrected, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and consider legal action under XXXX U.S.C. XXXX and XXXX for willful or negligent noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am formally disputing inaccurate and fraudulent information currently reporting on my Experian credit file, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq. Please investigate and permanently remove the following items : XXXX. Fraudulent Account XXXX XXXX  XXXX XXXX : XXXX XXXX  XXXX Account # : XXXX Status : " Account in Dispute under Fair Credit Billing Act '' This account is the result of fraudulent activity and does not belong to me. I did not open or authorize this account, and I am not responsible for any charges or activity associated with it. Under 15 U.S.C. 1681s-2 ( a ) ( 6 ) and 1681c-2, you are required to block and delete fraudulent information once notified and provided with supporting documentation. I demand that this account be removed immediately and not reinserted unless fully verified with written documentation.

2. Unauthorized Hard Inquiries I am also disputing the following unauthorized inquiries, whi
ch were made without my knowledge, authorization, or permissible purpose under 15 U.S.C. 1681b : - 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  XX/XX/year> These inquiries were made without my consent and constitute a violation of my rights under the FCRA. Please remove them from my credit file and confirm deletion in writing. 
Supporting Documents ( attached ) : - Copy of government-issued ID - Proof of address ( utility bill or statement ) - Police report or FTC Identity Theft Report ( if applicable available upon request ) Please complete your investigation within 30 days as required by XXXX U.S.C. XXXX ( a ) and provide me with a written summary of the results, including the specific steps taken and any documentation relied upon in your reinvestigation. 

If these items are not removed or corrected, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and consider legal action under XXXX U.S.C. XXXX and XXXX for willful or negligent noncompliance.

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 2025-06-23 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: TX

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional.

This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the 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 2025-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
In XX/XX/XXXX I requested that PHH mortgage remove the property taxes off of my mortgage due to me paying it already in XX/XX/XXXX. I was told that my mortgage payments would change starting XX/XX/XXXX, and they have not.

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I contacted XXXX XXXX about credit card charges on XX/XX/year> stating there were fraudulent charges on my credit card accounts. Both credit cards had charges that I didn't make. I was then told my phone number was changed on my account when speaking with the representative about the continued charges on or about XX/XX/year>. Things spiraled from there. My address was changed on my account and clearly a take over of the account was happening because I was told I could not make changes to my account. I was told I was making payments on the accounts which I never did due to the fraudulent charges. Its clear on my credit report how many times I've had to ask for fraud protection with a note put on the account. Its also clear that the address for XXXX XXXX XXXX Mo. is inaccurate for me as I live at XXXX XXXX XXXX XXXX XXXX It was told to me that this address was used to make changes and payments on my account. The address was also changed on the credit card account. I'm not sure how to get XXXX XXXX to report the credit card charges as fraud and close my account considering they allowed a takeover of the account which they told me they could do nothing to stop. I was forced to close the account because of this 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 2025-06-23 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: TN

Complaint narrative:
I am writing to dispute and request a reinvestigation of certain items listed on my Experian credit report. In light of the Experian data breach, which exposed the personal information of millions of consumers, I have serious concerns that my information may have been compromised and misused. As a result, I am requesting that the following derogatory accounts be thoroughly reviewed. 
Disputed Accounts : XXXX. XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$1900.00} Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am exercising my right to dispute and request that these accounts be verified with supporting documentation. If they can not be properly verified, they must be removed from my report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, any debt reported must be accurate, complete, and lawfully attributed to the consumer. Any reporting that does not meet these standards is a violation of federal 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 2025-06-23 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: NJ

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX XXXX and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional.

This situation has caused delays and unnecessary XXXX. Please review the documents Ive provided and take immediate action to resolve the 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 2025-06-23 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I had multiple synchrony bank credit cards. Most with no balance. They are always paid on time and set to autopay. I recently paid off a XXXX balance on XXXX card and XXXX balance on home design, both right before the no interest promotion was up. Right after they are paid off, synchrony decides to close all of my accounts stating the reason that I am high risk. I have a XXXX XXXX XXXX and no late payments ever. This is a scam by synchrony bank because they are hurt they didnt make interest money off of me. This will kill my XXXX XXXX since I had very high limits with each of these cards. Something needs to be done to stop synchrony bank from commiting fraud or discrimination.

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: SC

Complaint narrative:
I am submitting this formal complaint against Westlake Financial Services regarding unlawful, unethical, and deceptive lending practices, as well as willful violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Key Issues : 1. Predatory Auto Loan I entered into a loan agreement with Westlake Financial in XXXX or XXXX and they have all of my excellent payment history missing from that time to XXXX on my Credit Reports. The loan also contained excessive interest rates and unfair terms that meet the definition of predatory lending. I was misled about repayment terms and obligations. 

2. Illegal Vehicle Repossession & Sale Westlake Financial repossessed my vehicle without providing proper legal notice, including : No Notice of Intent to Sell No Notice of Disposition Following the sale of the vehicle, they failed to credit my loan balance with the proceeds or provide an accounting breakdown of how the funds were applied, in violation of UCC Article 9 and relevant state consumer protection statutes.

3. Inaccurate & Harmful Credit Reporting Westlake has been reporting inaccurate information to the credit bureaus since XXXX, including : Falsely reporting a closed account as open - Please see attachment Pg. 3.

Omitting a monthly payment entry Continuing to report the balance as due despite the vehicles sale and no debt validation Ignoring multiple consumer disputes, refusing to correct or investigate as required by the FCRA Their actions have severely harmed my credit profile and limited my financial opportunities for several years.

Again, this has been taking place since XXXX and Westlake Financial has willingly continued to report inaccurate information on my Credit Report. This loan was a Predatory Loan to begin with and they continue to operate with Unethical and Fraudulent Lending Practices. I am now seeking to retain an Attorney to sue them for Damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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