vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-04 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: MO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: TrueAccord Corp.
State: TX

Complaint narrative:
A hit on my credit score was recorded for a collection when i have not been sent any written letter regarding a debt. I have now had my credit score hut badly by " TRUE ACCORD CORPORATION. '' they have failed to follow regulations and did not provide " Written Notice '' I had been sent Texts but not certified mail or was served any paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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 2025-07-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In XXXXXXXX XXXX I was charged a {$30.00} returned payment fee by PayPal Credit after attempting a manual payment of {$41.00}. I had forgotten I had autopay scheduled and was worried the payment wouldnt post in time, so I manually submitted the {$41.00} to cover the minimum.

However, my {$60.00} autopay did in fact go through that same day, covering and exceeding the minimum due. Once I realized the {$41.00} manual payment failed, I called PayPal Credit and requested the {$30.00} return payment fee be waived, given that : I wasnt trying to avoid payment ( I overpaid ), The failed payment was due to an honest mistake, The account was actually paid early and in full. 

They refused to reverse the {$30.00} fee. Out of frustration, I requested to close the account, but they refused. Later, they closed it themselves and began applying late fees and interest even though the account was originally paid : {$30.00} return payment fee Three late fees totaling {$120.00} ( {$41.00} x 3 ) Interest charges of {$5.00}, {$4.00}, and {$27.00} The current balance is now {$250.00}, which is almost entirely from fees and interest not purchases or failure to pay my due balance. I paid early, and I paid more than required.

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 2025-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Account Resolution Corporation
State: GA

Complaint narrative:
ACCOUNT RESOLUTION COR is falsely reporting on my credit. I have never had any accounts with them. Per my research ACCOUNT RESOLUTION COR is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX  is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: NY

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

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX  INQUIRIES : XXXX  Date : XXXX XXXX  Date : XXXX XXXX XXXX  Date : XXXX XXXX  Date : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: FORD MOTOR CREDIT CO.
State: NC

Complaint narrative:
I HAVE DISPUTED AND SENT FORD MOTOR CREDIT ID DEPARTMENT SEVERAL DOC 'S THAR ARE POLICE REPORT, FTC IDENTITY THEFT REPORT AND COURT DOCS WERE THERE OWN ATTORNEYS DISMISSED THE CASE BECAUSE THEY FOUND OUT IT WAS FRAUD WITH FORD AND FORD MOTOR COMPANY EMPLOYEE. THIS ACCOUNT IS EXPIRING IN 25 DAYS FROM NOW SO THEY LOSE ARE RECOURSE OVER REPORTING TO ANY CREDIT BUREAU OR RISK BUREAU. FORD MOTOR CREDIT HAS KNOWLEDGE THAT THIS ACCOUNT IS FRAUD BECAUSE THERE LEGAL ATTORNEY HAS TOLD ME AND SENT ME SEVERAL LETTER STATING IT, ONCE IT EXPIRES OFF MY CREDIT FILE I WILL SEEK LEGAL ATTORNEYS FOR ABUSE OF POWER, THEY CREDIT BUREAUS ALL HAVE COURT ORDERS THAT ONCE THESE ACCOUNT HIT MY CREDIT FILE IT WILL AUTOMATICALLY BE BLOCKED AGAIN, SO HONESTLY ITS WORTHLESS FOR FORD TO KEEP HAVING IT UNBLOCKED, ITS OFF WITHIN 2 MINUTES.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: IL

Complaint narrative:
( XXXX XXXX ), ( XXXX ), ( XXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX XXXXXXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX on XXXX XXXX under account number ( XXXX ). These accounts have resulted in fraudulent collections appearing on my consumer FICO credit report. I've attached the accounts that are being reported on my consumer FICO report which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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 disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-07-04 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: LD Holdings Group, LLC
State: NM

Complaint narrative:
To Whom It May Concern, I am a licensed real estate agent and served as the listing agent for the sale of a property located at XXXXXXXX XXXX XXXX XXXXXXXX XXXX I am reporting what appears to be a clear case of VA loan fraud and occupancy misrepresentation involving the buyer 's agent XXXX XXXX XXXX # XXXX and the individual listed on the VA loan XXXX XXXX XXXX. 

During the transaction, the buyer presented on the loan documentation never once visited the property, attended inspections, or was present at any point during the process. All in person interactions, including property access and walk-throughs, were conducted solely by the buyers agent, who represented the purchaser. 

Since closing, I have personally observed that the buyers agent not the individual whose name is on the VA loan is living in the home full time. I live in the neighborhood and can confirm that the agent is the one occupying the residence. The buyer listed on the VA loan has never been seen at the property, either during or after the sale. 

At no time during the transaction was this arrangement disclosed. The purchase agreement listed only the VA borrower, and the buyer 's agent is not named on the loan or the deed. Based on my professional experience and the facts at hand, this appears to be an intentional misuse of the VA loan program, possibly to obtain favorable terms for a person not eligible under VA guidelines.

I believe this constitutes : Occupancy fraud ( as VA loans require owner-occupancy ), Mortgage fraud ( intentional misrepresentation on loan documents ), A potential ethical violation by the licensed real estate agent involved. 

I am available to provide additional information or documentation if needed and take this matter seriously due to the integrity of the VA loan program and the real estate profession. 

Sincerely, XXXX XXXX XXXX XXXX Legacy License # XXXX XXXXXXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/year> - XXXX to XXXX I made a same day transfer of amount {$1500.00} to my XXXX account. On the website it says I need to call in to verify some information. I called in to Chase and one of the agents didnt like my attitude and closed my account. It was NOT because of fraud or anything of that nature. I called Chase again and another lady trying to be a XXXX  XXXX laughed and said my verification failed. I Chase again and the man Id spoken to said my account is closed and that the remaining funds will be sent via a check. My debit card is also closed. My last call with Chase on XXXX was with a lady named XXXX XXXX ID XXXX from the XXXX XXXX XXXX XXXX XXXX team assured me that I will get my remaining checking balance sent via a check in XXXX business days. I am extremely paranoid and XXXX  if I dont get my money back because these banks are greedy and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: NV

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: NC

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

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: PA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I am filing a complaint against XXXX at XXXX XXXX XXXX XXXX for inaccurately reporting a debt to the credit bureaus related to a previous apartment me and my pregnant spouse was forced to vacate due to severe mold contamination. While residing at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, I repeatedly reported hazardous mold growth in the unit, which posed a serious health risk. Despite multiple documented communication, the management failed to resolve the issue. The conditions in the apartment were uninhabitable, and I was left with no choice but to leave the premises for my safety and well-being. Now, I have discovered that this property has reported an unpaid balance to the credit bureaus, negatively impacting my credit score. This debt is unfair and should not have been reported given the landlords negligence and failure to provide a safe, livable environment as required by law. I am requesting the CFPBs assistance in : 1. Investigating this credit reporting violation ; 2. Having this item removed from my credit reports ; 3. Ensuring that the property management company is held accountable for false and damaging credit reporting practices. I have attached any relevant documentation, including photos of the mold, and written communication with the property manager. This situation has caused me financial harm and emotional distress, and I would appreciate urgent attention to this matter. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CLGF Holdco 1, LLC
State: MO

Complaint narrative:
I have made several phone calls in the last two months. I been told they don't have settlement offers.

Company response to consumer: Closed with explanation