vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am requesting the prompt removal of this erroneous late payment from my account. Given my history of timely payments, this entry is unfair and needs to be corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank
State: PA

Complaint narrative:
On XX/XX/scrub>/25 I was charged {$2000.00} for a secured credit card by first latitude as well as a {$19.00} fee for expedited processing. The website and information provided stated there would be a decision in minutes. I got back information saying they needed more info. I provided all the info asked for including images of my social security card and ID which I know fear may lead to Identify theft. I called customer service multiple times asking for an update. I was told there is no way to get one because there's no way to contact the " back office '' besides email and all emails are addressed as they come in. I asked how they could charge an expedited processing fee if everything is addressed in order. I was told the don't do any expedited. I asked if their expedited processing fee is a scam to which she said yes. At that point I asked for the application to be withdrawn. I also put in a dispute with my bank. That was on XX/XX/year>25. On XX/XX/year>25 I recieved an email from first latitude that they have withdrawn the application. I did get the {$19.00} credited back to my bank account but as of XX/XX/year>25, I still have not received my {$2000.00} back. First Latitude blamed my bank multiple times stated they're not accepting the charge back. My bank has stated they have not had any response from First Latitude. First Latitude said they sent a request to the " back office '' to send out a check but since there is no way to contact the back office, they just sent an email and I'll have to wait until they get to it. They've stolen {$2000.00} from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: MS

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, CHALLENGED OR 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 2025-08-01 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: PA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I recently reviewed my credit report and found inaccurate information. Upon further review, I see that I was a victim of identity fraud. I am demanding Equifax block this fraudulent account from my credit file within 4 business days, as required by federal law under FCRA 605B. Thank you.

Fair Credit Reporting Act ( FCRA ), Section 605B ( 15U.S.C. 1681c2 ) The account shows on my Equifax credit report as : XXXX XXXX XXXX Account # : XXXX Amount : {$2000.00} I have attached my Identity Theft report, my driver 's license, proof of address, my social security card ( all to verify my identity ) along with a statement to Equifax as well proof that this account has already been removed due to inaccuracy from XXXX.

Thank you again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
On XX/XX/year>, I purchased a XXXX XXXX XXXX. I made a {$7500.00} down payment directly to the dealership, and the remaining balance of {$37000.00} was financed through Ally Financial. My monthly payment is {$730.00}. I was told everything would be handled properly, including the transfer of title and registration. However, more than 60 days later, I still have not received the title. My temporary plates have expired, and I can no longer legally drive the vehicle.

I contacted Ally Financial multiple times asking for help. I asked if they received the title, if they contacted the dealer, if they could pause the loan until the title was issued, or what actions they were taking and received no clear answers. Their only response was to contact the dealership. But the dealership has ignored me completely. They also ignored the DMV
representative who contacted them directly. No one knows where the title is, and no one is explaining anything to me.

I am now making XXXX XXXX monthly payments for a car I can not register, can not use, and can not legally drive. Ally Financial is fully aware of this situation and yet continues to take my money each month. I feel trapped, helpless, and misled. I am a foreign resident with limited English, and I trusted both the dealership and the bank. I clearly explained from the beginning that this vehicle was necessary for work. Now I can not work, and I can not even drive.

It has been more than 30 calendar days since the sale which means the dealership already violated Texas Transportation Code 501.0721. And Ally Financial, knowing this, is doing nothing. Their refusal to act makes them
complicit in this situation. I am being financially damaged by a vehicle loan I can not use, while Ally refuses to step in, assist, or even temporarily pause payments.

I am asking for intervention and a formal investigation. I want the loan payments paused immediately and this situation resolved. If Ally can not
provide the title, they should not be collecting money on a product I can not legally operate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NC

Complaint narrative:
I had received my deposit my direct deposit this morning which was coming which is my last depart direct deposit with this job anyways I had only got {$140.00} next thing I know XXXX of that gets taken out by time stay in that for my pay well therefore I have not had my pay since XXXX and got any kind of loans or anything like that anyways make a long story short how am I getting charged and that wise money being taken out of my especially this is my last check I need that money make a long story short I tried I called back XXXX to XXXX times on XX/XX/year> at about XXXX XXXX. had to call back about XXXX different times I got each time they hung up on me when I asked for a supervisor they told me I could not speak to nobody that there was nothing else that can be done that I I just had to take the loss well and I've never been so disrespected they was rude not professional at all I just want this resolved I just want my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: VA

Complaint narrative:
SOMEONE STOLE MY PERSONAL INFORMATION AND USED IT TO OPEN UP ACCOUNT. PLEASE BLOCK AND REMOVE THESE INACCURATE ACCOUNTS FROM MY CREDIT PROFILE. 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 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this 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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ocwen Financial Corporation
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX Re : Dispute of Inaccurate Mortgage Account on Credit Report Account Name : PHH  Mortgage Services Account Number : XXXX To Whom It May Concern, I am writing to formally dispute an inaccurate mortgage account that appears on my XXXX, XXXX, and XXXX  credit report. The account listed under the name PHH Mortgage Services, account XXXX, is not mine. I have never opened or held a mortgage with PHH Mortgage Services, and I have no knowledge of this account.This account is being falsely reported on my credit report, and it is negatively affecting my credit profile. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this matter and remove the account from my credit file immediately.Please consider this letter a formal dispute. I ask that you:1. Conduct a full investigation to verify the legitimacy of this account.2. Provide me with documentation verifying that I opened this account.3. Remove the account from my credit report if it can not be fully verified as accurate and authorized by me.Enclosed is a copy of the report that shows the inaccurate account. I respectfully request written confirmation once the item has been removed or corrected.Thank you for your prompt attention to this matter.Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I am filing a second complaint because the company has failed to resolve a debt reporting issue that does not belong to me.

The debt, reported by Caine & Weiner, is under the name XXXX, XXXX, which is not my legal name. I am not associated with this debt in any way.

I previously disputed this through the CFPB, but the companys vague reply simply stated that the debt belongs to the individual filing the complaint, without providing any proof, documentation, or proper identity validation.

I have attached a copy of my drivers license to prove that I am not XXXX, XXXX and to verify my identity. 

This is either a case of identity theft or clerical error, and it has resulted in a serious drop of over XXXX points in my credit score.

This is a violation of the Fair Credit Reporting Act ( FCRA ), which protects consumers from inaccurate and unverified information on their credit reports.

I am demanding : Full investigation and verification of this debt ; Immediate deletion of this account from my credit report ; Proper documentation if the company insists this debt belongs to me.

If this matter is not resolved, I intend to escalate further through the FTC, file a police report for potential identity theft, and seek legal advice under FCRA Sections 609 and 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: NJ

Complaint narrative:
After reviewing my consumer report, I have realized that my rights as a consumer has been violated on various occasions. My consumer report has been furnished illegally violating multiple U.S Consumer Protection Law Codes and The Fair Debt Collection Practices Act. I am requesting that all illegally furnished, inaccurate, and unverifiable information and accounts reporting are removed immediately from my consumer report. I have submitted this request directly to the consumer reporting agency on multiple occasions, however they continue to ignore and overshadow my rights as a consumer, The U.S Consumer protection laws, and The fair Debt collection practices 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
Consumer complaint received 2025-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I contacted my bank about the scam and they said they were sorry but they couldnt help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: NJ

Complaint narrative:
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2025-08-01 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: WA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: PA

Complaint narrative:
I had wondered why I could never qualify for home purchase from XXXX on. I came to find out recently that Ed Financial still had my unconsolidated loans listed on my credit report. My loans were sent to XXXX around XXXX and consolidated. It shows double on my credit report due to their refusal. I was told that filing bankrupsy would fix this error -- it did not. They really need sued and I should be compensated. It has literally uprooted my life. 

I sent them certified letter over a month ago. They claim to have recieved it but are pretending as if I did not send all the information and all three copies of my credit reports showing that all three show they are reporting these loan balances that do not exist. 

Is there anyway to file legally against them? How can I ever get this corrected?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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:
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, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation