vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 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:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Sent This Letter to ALL OF THESE COMPANYS I have not gotten a response XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I am writing in response to your communication dated regarding the abovereferenced account. I dispute the validity of this debt and, under my rights pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I request that you provide me with a complete and unbroken chain of assignment showing how you acquired this account and a Forward Flow and the original contract with my signature and payment history and the Original Account Number Specifically, please provide : Original Creditor Information : Name and address of the original creditor. 

Copy of the original contract or agreement bearing my signature. 

Each Subsequent Assignment or Sale : Name and address of each party to whom the debt was assigned or sold. 

Date of each assignment or sale. 

Copy of each assignment, sale agreement, purchase agreement or other writing evidencing the transfer of ownership. 

Proof of Your Authority to Collect : Documentation ( e.g. assignment agreements, affidavits ) showing you have the legal right to collect on this debt. 

Accounting of the Debt : A complete, itemized statement showing how the current balance was calculated, including all interest, fees, payments, and credits. 

Statute of Limitations Information : The date on which this debt first became delinquent and an explanation of how you determined it is still within the statute of limitations. 

Until you provide the aboverequested documentation, you must cease all collection activities and must not report any information about this debt to any credit reporting agency. If you can not furnish an unbroken chain of assignment, you have no standing to collect and must delete any reference to this account from my file. 

XXXX Please respond in writing to the address above within 30 days of your receipt of this letter. Thank you for your prompt attention to 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 2025-04-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: New Century Auto Sales, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX, I bought a used car at a used car dealership. I believe I was taken advantage of by a used car dealership during the purchase of a XXXX XXXX XXXX XXXX. At the time of purchase, my credit score was XXXX, which I understood to be in good standing. I was led to believe that my credit qualified me for a good deal. However, I was rushed through the entire process and pressured to sign documents quickly without being given the time or space to fully read or understand them. I made a {$5000.00} down payment, and the dealership financed the remaining balance of approximately {$12000.00} at a 20 % interest rate over 63 months. My monthly payment is {$320.00}, which means I will end up paying over {$20000.00} in interest and principal totaling around {$25000.00} for a car that is not worth that amount. 

I later checked the vehicles market value using XXXX XXXX XXXX, and it is only worth approximately {$9000.00}. This confirmed that the car was significantly overpriced at the time of sale. The interest rate and total cost were not clearly explained to me, and the dealership failed to justify why such a high rate was applied to someone with good credit. The loan has already negatively impacted my credit score, dropping it to XXXX. I believe the dealership engaged in deceptive and unfair sales practices by misrepresenting the value of the vehicle, failing to disclose the true cost of the loan, and taking advantage of my credit standing to trap me in a predatory agreement. I am seeking assistance in resolving this situation and preventing further financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PNC Bank N.A.
State: CO

Complaint narrative:
My mortgage servicer, PNC which purchsed my loan from the originator, has said that my hazard insurance has expired. I renewed my Policy in XX/XX/year> and PNC paid it out of escrow. After that payment was made, their written correspondence dated after they paid for the policy, states my coverage was expired. It was not. It was only when I called them that they said they would not accept the coverage from my insurance company because of their rating being too low. I have never received anything in writing stating that reason. My policy was renewed and PNC paid the insurance company from escrow. I have since obtained a new policy starting XXXX after spending a significant amount of money to get a new roof. Now I have received a letter from PNC stating that I need to pay their force placed insurance from XX/XX/year> to XXXX. I was NEVER without insurance. They are not communicating any truth in their written correspondence. I HAVE always had coverage and it was paid for. They must provide a reasonable amount of time to obtain new coverage if they don't like my company. They have not given me adequate time to switch companies and are now making a cash grab for made up coverage. I NEVER chose to do business with them and would certainly never sought their services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: TX

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 non-monetary relief
Consumer complaint received 2025-04-16 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: IA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 explanation
Consumer complaint received 2025-04-16 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: IA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: SC

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fidelity National Information Services, Inc. (FNIS)
State: OR

Complaint narrative:
some company deposited a check into my checking account that didn't clear I'm guessing but there was no monetary loss the bank which is XXXX  XXXX XXXX says but still showing suspected fraud with no monetary loss on my chex systems report and I need that to be removed it was not my fault.

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 2025-04-16 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: OH

Complaint narrative:
I recently received my credit report and noticed an account that was not reporting accurately. I had XXXX late payment on an account that was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has NOT been late on payments. I've attached a copy of my report to this complaint on the following date of XX/XX/year>. I'm now requesting you to investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to paid on time immediately. 

Thank you for your understand and prompt action.

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 2025-04-16 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: PA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally raise a concern regarding Chase Bank 's recent decision to close my credit accounts and permanently ban me from accessing any future credit products. 

According to Chase 's internal management, the decision was based on the fact that over the course of 15 years, I have never incurred a late fee and have maintained high credit lines across my accounts. This was cited as suspicious behavior and the reason for the termination of my credit relationship with Chase. 

I find this reasoning deeply concerning and unjustified. Maintaining a perfect payment history and responsible credit management should not be considered a red flagit should be encouraged. At no point was I informed that such behavior could trigger negative action or that I was under review. I was given no prior notice, no opportunity to respond or clarify, and no way to appeal the decision. 

I respectfully request : A clear, written explanation of the basis for this account closure and the internal risk criteria used. 

Confirmation of whether this action has been reported to credit bureaus or third-party risk databases such as XXXX or XXXX XXXX XXXX 

Reconsideration of this decision, or at the very least, confirmation that this situation will not impact my standing with other financial institutions. 

I have always upheld a high standard of financial responsibility and would appreciate the opportunity to resolve this matter fairly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Bondage Final Rule XXXX ( b ) ( XXXX ) - ( XXXX ) -- -- -- XXXX ( b ) ( XXXX ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to XXXX ( b ) ( 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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I obtained a copy of my credit report on XX/XX/XXXX which shows a balance of {$5100.00} for synchrony bank through a Care credit credit card which was closed and charged off in XXXX. In an effort to rectify this debt I contacted synchrony bank care credit and advised the representative that I would like to settle the debt I owed. I was then told I needed to be transferred to the 1099c department as a settlement wasnt available. Upon being transferred I was told by the new representative that I could not pay this debt as a 1099C was issued forgiving this debt on XX/XX/XXXX and mailed to an incorrect address. I provided my correct address and requested that the 1099c form be re-mailed and that they update my credit report to reflect that I no longer owed the balance of {$5100.00} that they were refusing to allow me to pay or settle. 

The representative stated it would take 4-6 weeks for me to receive the 1099c to my correct address and that they were reporting my account status correctly to the credit bureaus. I asked to speak to a supervisor as I did not agree and that supervisor said he could expedite the letter and I would receive the 1099c within 2 weeks but that they again were reporting my account correctly and that I needed to take that up with the IRS to have it updated. 

The following day on XX/XX/XXXX I called again to try to speak to someone else and I was given the same answer and then placed on hold where I was then told that I could pay the debt off at my own will and there would be no refund and that they were still reporting my information correctly and if I had any other issue I would need to wait to file my taxes next year to have my credit report updated. I expressed confusion as to how they were legally allowed to forgive a debt and file a form with the IRS making me claim it as income and pay taxes on it but still say I owe that debt while also refusing to allow me to pay it, to which no answer was given and the representative decided to stay quiet. I was placed on hold a few times but essentially no resolution was given. 

My credit report says I owe the entire debt and have a {$5100.00} balance but the creditor is refusing to allow me to pay it which has dramatically hurt my credit score causing even more financial hardship.

How is it legal for a creditor to forgive a debt and refuse to allow a consumer to pay the debt but at the same time requesting payment of that debt and reporting it as a balance due on a consumer report? 

I am requesting that synchrony bank care credit removes this from my credit report immediately from all 3 credit bureaus.

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: GA

Complaint narrative:
Respondent violated requirements of the Fair Credit Reporting Act throughout the Dispute reinvestigation process. Further, in some instances, Equifax failed to timely block consumer information resulting from identity theft and provided inaccurate credit scores and consumer report information to lenders and others in violation of the Fair Credit Reporting Act and the Consumer Financial Protection Act.

Equifax committed unfair acts and practices by using ineffective systems and flawed processes with known limitations, information loss, and excessive deference to furnishers to reinvestigate consumer disputes, in violation of the CFPA, 12 U.S.C. 5531 and 5536 ; Equifax failed to maintain reasonable procedures to assure maximum possible accuracy of consumer information related to its processing of consumer disputes, in violation of the requirements of FCRA 607 ( b ) ; Equifax failed in some instances to timely block the reporting of identity-theft related information in consumers files and failed to provide consumers with required identity theft notifications and information, in violation of the requirements of FCRA 605B ; Equifax failed to maintain reasonable procedures to assure maximum possible accuracy of consumer information when, as a result of a coding error, it provided inaccurate credit scores and credit attributes to lenders and others, in violation of the requirements of FCRA 607 ( b ) ; and Equifax committed unfair acts and practices when, as a result of a coding error, it provided inaccurate credit scores and credit attributes to lenders and others, in violation of the CFPA, 12 U.S.C. 5531 and 5536.

List of the accounts Account name XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX  Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX/XXXX  Account number XXXX Account name XXXX  Account number XXXX Inquiries 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