vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-29 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: AR

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-06-29 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: 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 explanation
Consumer complaint received 2025-06-29 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am submitting this complaint against Midland Credit Management ( MCM ), who has repeatedly attempted to collect a charged-off debt that I have disputed and requested validation for. 

On XX/XX/year>, I sent two formal written letters to MCM under the Fair Debt Collection Practices Act ( FDCPA ), requesting full validation of the alleged debt ( Account # XXXX, originally from XXXX XXXX XXXX XXXX My request included the demand for : The original signed contract A breakdown of the amount claimed Proof that MCM has legal authority to collect the debt Documentation confirming the debt is legitimately mine Instead of properly validating the debt, MCM has continued to send letters with vague threats of legal action, most recently on XX/XX/year>. This constitutes harassment and a direct violation of the FDCPA. 

They have failed to provide proper debt validation, are attempting collection efforts without meeting legal requirements, and are using misleading language that implies litigation when they lack the documentation to proceed. 

I am requesting the CFPB to intervene and hold this agency accountable for their ongoing violations, and to ensure that all collection activity ceases unless full legal validation is provided. 

I am also demanding that they stop all future contact and immediately cease any negative credit reporting tied to this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: AR

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-06-29 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: FL

Complaint narrative:
Synchrony Bank is reporting late payments on my CareCredit account after it was closed in XX/XX/year>2024. This is inaccurate and misleading. I recently corrected outdated personal information on my XXXX  report, which may have caused errors in how this account was matched or reported. I requested validation of the late entries under FCRA 1681e ( b ) and 1681i ( a ), but no supporting documentation has been provided.

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 2025-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
On XX/XX/XXXX a flooring company called XXXX XXXX XXXX improperly installed a XXXX XXXX in my home and I used my Apple Card to place a deposit for {$5500.00}. Within 30 days the flooring buckled and warped. I had a home inspector inspect the home and provided a report stating that the floor was improperly installed. In addition, I've hired a lawyer and we have filed a letter with the intent to sue to recover damages over having to reinstall and replace the entire floor. I had have also provided text messages stating that the floor was improperly installed and warped. All of these documents were provided to Apple Card and it takes 90 days to resolve a dispute. This is the end of XXXX and the dispute was opened originally in XX/XX/year>.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-29 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: VA

Complaint narrative:
I am a victim of the Equifax, Transunion and XXXX XXXX XXXX Data Breaches. I didn't freeze my Consumer Reports before I discovered this, AND AS A RESULT : I have 6 TRANSUNION INQUIRIES THAT I DO NOT RECOGNIZE I HAVE 3 EXPERIAN INQUIRIES THAT I DO NOT RECOGNIZE I HAVE 1 EQUIFAX INQUIRY THAT I DO NOT RECOGNIZE The following FRAUDULENT INQUIRIES must be removed FROM MY TRANSUNION CONSUMER REPORTS IMMEDIATELY. THESE LAWS SUPPORT MY DISPUTE : LAW 15 USC 1681n WILLFULL NONCOMPLIANCE ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; LAW 25 US CODE 6802 STATES NO FINANCIAL INSTITUTION CAN SHARE MY NON PUBLIC INFORMATION WITH A THIRD PARTY ENTITY.

ACCORDING TO FCRA SECTION 605 IT IS ILLEGAL TO PUT ANYTHING ON MY CONSUMER REPORT WITHOUT MY WRITTEN PERMISSION.

PLEASE REMOVE THESE 6 NEGATIVE, FRAUDULENT ITEMS FROM MY TRANSUNION CONSUMER REPORTS IMMEDIATELY.

Thank you!

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 2025-06-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I started to fall behind on my payments when XXXX forced us to quarantine. Payments were made to my account even if they were partial payments. As a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my car was my office so I could not afford to lose it. Then XXXX XXXX happened. I lost everything even our home. All I had was my car. XXXX / Bridgecrest took possession of the car on XX/XX/year>. I contacted them about reinstating my account and recovering the car. They advised me that I had 45 days to come up with the {$1600.00} plus towing and storage fees. The title was transferred on XX/XX/year>. Just XXXX days after the repossession. It was also listed for sale on XX/XX/year> with the same mileage it had on the odometer at the time of repossession. I have screenshots of XXXX listing it for sale on their website again with that exact mileage. I have contacted Bridgecrest several times with questions about the sale but they have been non-cooperative. I have requested a Deficiency Notice numerous times. It took them about XXXX months to send me a Transaction History that makes no sense. Payments have been improperly applied. Most pay only the interest and not the Principal. Some show the amount paid but nothing is credited. There are several auction checks showing but the balance never goes down until the final payment which is exactly the same amount of what I still owed on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: GA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX # XXXX XXXX XXXX XXXX$5300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-06-29 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES 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 2025-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I disputed charges with the fraud department of XXXX XXXX by Synchrony bank. I requested information in regards to their dispute process and the resolution and never received the either. I was told that the card was attached to a virtual account/wallet that wasn't mine because I don't have a virtual wallet and yet charges of fraud were validated as if they were mine when ive never been to the places of the charges disputed. 
XXXX XXXX by Synchrony bank has reported negative information to my credit report without first notifying me. The company is reporting that my account is over the limit from fraud charges that the company never properly investigated.

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 monetary relief
Consumer complaint received 2025-06-29 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: GA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5300.00}

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 2025-06-29 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:
Im writing to dispute inaccurate and unauthorized information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b ( 2 ), my personal information was shared without my written permission. This led to accounts being added that I didnt open or use. This may also be identity theft under 15 U.S. Code 1681c-2. Please investigate and fix these errors to make sure my credit file is accurate.

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 2025-06-29 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: MI

Complaint narrative:
THIS SITUATION IS NOT IN LITIGATION!!!! XXXX has been reporting an authorized users on my account XXXX different times, each time changing the opening date. I want a complete history of all the data in my file including any flags placed on my account and why. I have asked for this data for over 8 months now and been ignored.

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 2025-06-29 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 a victim of identity theft. My credit reports with XXXX  and TransUnion contain multiple fraudulent entries that I did not authorize, including hard inquiries and potentially other accounts. The hard inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not apply for credit with these companies, nor did I give anyone authorization to use my personal information. These items are the result of identity theft. 

I am asserting my rights under FCRA 1681c2 and FACTA 1681g ( e ), which require the consumer reporting agencies to block and delete all information resulting from identity theft upon receipt of a valid identity theft report. 

I have attached my FTC Identity Theft Report to support this complaint.

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 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: CORELOGIC INC
State: VA

Complaint narrative:
I am writing to formally dispute an item appearing on my credit report in connection with your company, referenced under Dispute Number XXXX. According to my records, this account is either inaccurately reported or should no longer appear on my credit profile.

Specifically : I dispute the validity or status of the account you are reporting. These remarks have been detrimental to my life and credit health.

The account is listed as closed, and I am requesting verification of this status and the reason for the closure. As I was promised the account would be removed completely.

If this account was sent to collections in error or has been resolved, I request that it be updated to reflect paid, resolved, or removed entirely, depending on the circumstances.

As required under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this dispute and correct or remove any inaccurate, outdated, or unverifiable information from my credit file. Please provide documentation validating the account and your authority to report it.

Please complete your investigation within the time allowed by law and provide written confirmation of the results. I would appreciate a prompt and fair resolution of 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 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: CBC Companies, Inc.
State: VA

Complaint narrative:
I am writing to formally dispute an item appearing on my credit report in connection with your company, referenced under Dispute Number XXXX. According to my records, this account is either inaccurately reported or should no longer appear on my credit profile. 

Specifically : I dispute the validity or status of the account you are reporting. These remarks have been detrimental to my life and credit health. 

The account is listed as closed, and I am requesting verification of this status and the reason for the closure. As I was promised the account would be removed completely. 

If this account was sent to collections in error or has been resolved, I request that it be updated to reflect paid, resolved, or removed entirely, depending on the circumstances. 

As required under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this dispute and correct or remove any inaccurate, outdated, or unverifiable information from my credit file. Please provide documentation validating the account and your authority to report it. 

Please complete your investigation within the time allowed by law and provide written confirmation of the results. I would appreciate a prompt and fair resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I am filing a complaint against CareCredit/Synchrony Bank due to misleading and unfair billing practices.

Over the past year, my monthly payments have gone up and down unpredictably. Recently, I was told I had to switch from the original CareCredit plan to a regular " rewards '' credit card without a clear explanation. Once they made that change, my account was hit with a much higher interest rate.

I have been making on-time payments each month, yet my balance keeps growing or makes no sense. For example : last month, I had a balance of - {$4.00}. I paid {$88.00}, and it said I had {$76.00} available. But now this month, it shows- {$49.00}. How does my balance go negative after making payments? I dont understand how the billing is working, and no one has been able to clearly explain it.

The interest rates are extremely highalmost 30 % and I feel like I was misled into believing I would be able to pay off my healthcare costs over time without being punished by high-interest debt. I now owe over {$2700.00}, and I cant get ahead because the interest keeps wiping out my payments. 
I want an investigation into these billing practices and a detailed explanation of how my payments are being applied. I am also requesting that interest charges be reviewed and reduced based on financial hardship and lack of transparency. This situation is harming my credit and mental health.

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 2025-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
They called me once ( Credit bureau XXXX in XXXX or XXXX Georgia. ) and without ANY proof of identity, verify Im the person, said I had owed XXXX medical care in XXXX XXXX XXXX on XX/XX/year>. 
I did not give them any of my information, and I hung up. 

I contacted my insurance and said it has been paid in full already, and I had no claims, unpaid services etc for them or around that time. 

They sent me a threatening letter, and claimed they contacted me multiple times- of which I did not receive anything. Just that one time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation