vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Fein, Such, Kahn & Shepard, P.C.
State: IL

Complaint narrative:
I received a letter from this lawyer : FEIN, SUCH, KAHN & SHEPARD PC. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX .. On XX/XX/XXXX or XXXX at my old XXXX XXXX they were threatening to garnish my wages if i do not respond in 10 days. I only replied XXXX time because I have no delinquent or past due accounts on collection. I told them, it's wrong and provide me with proof. They didn't do it. Just an amount of XXXX that I owe to XXXX XXXX XXXX I do not why this company is after my wages. They didn't say what type of debt. Just a judgement of 20 years ago, from XXXX. That it is incorrect. I was living in NJ at that time and I never had to go to court for a judgement or anything with debt. Never past due or in collections of any type in my life. I left NJ back in XXXX. I am currently living in XXXX. They are threatening with revive this supposed judgement that it is not mine. Another detail I also received XXXX emails from XXXX  XXXX XXXX XX/XX/XXXX & XX/XX/XXXX saying that the hearing is on XX/XX/XXXX no time, no location, no phones numbers for me to call. And my name is different. They have me as XXXX XXXX XXXX. That was not on their XXXX first letters. I do not have a middle name or do I go by XXXX XXXX XXXX. They also requested a current information via notarized or certified mail. I sent a certified letter but no current information, no personal information just my email. At this point I only have XXXX credit card in good standing and XXXX hospital bill which is current. Thank you. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I contacted Synchrony Bank to request removal of fees and explain that Im currently XXXX and unable to make payments due to documented XXXX XXXX XXXX XXXX. Despite this, the representative responded with pressure tactics, repeatedly asking how I survive without income and implying that I should still be making payments. 

I requested a hardship accommodation and stated clearly that I have a XXXX XXXXXXXX and no income. Instead of reviewing my situation in good faith, the rep dismissed my explanation and refused any further fee removalunless I had income. 

This contradicts the Equal Credit Opportunity Act ( ECOA ), which prohibits lenders from discriminating on the basis of XXXX. The law requires that when a XXXX person requests financial hardship consideration, the creditor must evaluate that request fairly and without bias. 

I also attempted to go paperless to avoid the {$1.00} statement fee, but the system returned repeated technical errors. A rep told me I was already paperless, contradicting what the website showed. 

I believe I was treated unfairly due to my XXXX status and low-income situation. Im not asking for special treatmentjust a legal and reasonable hardship accommodation under 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 2025-07-09 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: OH

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 accuracy under 15 USC 1681.

I have reviewed my credit report and identified multiple accounts reporting inaccurate or unverifiable information. According to 15 USC 1681 ( e ) ( b ), the credit bureaus are required to maintain maximum possible accuracy. These accounts show charge-offs, collections, or statuses that I do not acknowledge, and the details appear inconsistent or incomplete across bureaus. I am disputing these accounts and requesting immediate investigation and deletion if not fully verifiable. 

List of accounts violating my rights : XXXX XXXX XXXX Account XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) Account # : XXXX XXXX XXXX Account # : XXXX XXXXXXXX XXXX Account # : XXXX XXXXXXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX  XXXX XXXX  ) Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Account # : XXXX Under 15 USC 1681i , 5 I am requesting a full reinvestigation of the accounts listed above. If they can not be 100 % verified with accurate documentation, they must be deleted from my credit report. Please respond within the required XXXX period as required by law. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-07-09 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: GA

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 non-monetary relief
Consumer complaint received 2025-07-09 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:
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 2025-07-09 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: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I never received any information that I had a collection until I saw it on XXXX. I moved out of the complex without owing anything, and I submitted my notice that I was not going to renew, as stated in the contract. I returned the apartment in better condition than how it was given to me, and yet I later found out that they never notified me that I had a debt with them for non-existent damages. 

I tried to resolve it with the property manager, and she told me she had changed it and agreed that I was right.

After I submitted my dispute, she said they had done the proper investigation, but I was never shown any proof which is essential, since the charge had already been reversed, because as I repeat, it was their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
On XX/XX/XXXX, I applied for a Wells Fargo deferred interest loan at XXXX % interest for XXXX months to expire on XX/XX/XXXX. The amount of the loan was {$6800.00}, according to the only statements available to me. In order to pay this loan off before the expiring date, I would have had to paid {$380.00} per month and the minimum due was only {$210.00} per month ( up until the XX/XX/XXXX statement ), a set-up for failure right out of the gate. 

I paid an initial of {$700.00} on the first month and then {$400.00} per month through XX/XX/XXXX. According to those payments, I paid a total of {$5100.00} which left me only {$1700.00} left on the deferred interest loan ( XXXX per month to pay off on time ). Then I had to take out another loan for a new furnace in XXXX of XXXX. It was a special rate of XXXX % interest. Then my minimum payment went up to {$440.00} per month. I then paid {$540.00} per month. {$290.00} over the {$250.00} needed to pay the expiring deferred loan. According to my calculations, that's an additional {$230.00} per month for the additional furnace loan. 

Needless to say, all of my overage payments did not go to my expiring deferred interest, it all went to the special rate, leaving my deferred interest to fall behind in the coming months with no way to allocate that money to the loan I wanted until the final XXXX months of the deferred interest loan. It fell far behind in those months. I had called Wells Fargo customer service in XX/XX/XXXX to verify that my extra payments would go to the first expiring and was told that all money in excess of the minimum due WOULD go to the first expiring deferred interest. That was not true. According to Wells Fargo, they allocate the extra at THEIR discretion, NOT the customers request, and which was to the special rate. Once again, setting the customer up for failure so they can still earn their interest. 

I thought I had called customer service XXXX times but Wells Fargo says only XXXX. Regardless, I made an attempt to pay this deferred interest off on time and was reassured by their customer service reps that it would be only to discover that it would NOT be even with my extra payments of XXXX $ XXXX, XXXX {$300.00} and XXXX of {$200.00}. 

Terrible customer relations with this crooked way of controlling MY money. Luckily I was savvy enough, and had the extra money, to get this resolved before the expiration. Not everyone can afford this type of THEFT. It took many stressful attempts, on my part, to resolve this. Never again will I due business with Wells Fargo on anything. The only reason I did was that it was an emergency and that's who XXXX XXXX XXXX XXXXXXXX had for financing. Lesson learned!

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 2025-07-09 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:
This letter serves as a formal dispute regarding unauthorized and fraudulent entries that have appeared on my credit report. These accounts were not opened by me and have no connection to my financial activity or history.

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 2025-07-09 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: CA

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 four 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 disputedentries. 
Account 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

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 2025-07-09 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: CA

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 four 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 disputedentries. 
Account 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

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 2025-07-09 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 addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. ''

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 2025-07-09 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: MS

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Equifax 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I filed a formal dispute with Equifax to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Equifax responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Equifax for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX XXXX  who suffers from XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only XXXX week remaining to finalize my home purchase. Equifaxs refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. 

I respectfully request that the CFPB take immediate action to ensure Equifax fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Equifax be held accountable for the injury and distress they have caused. 

I am attaching supporting documents, including copies of my dispute submission and Equifaxs stall letter, should you require further evidence of their noncompliance. 

Thank you for your immediate attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: CA

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 CA XXXX ACCOUNTS XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: W&A Intermediate Co., LLC
State: AL

Complaint narrative:
My personal and financial information was compromised ferpa. I request full cancelation of my student loan debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: LA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. ''

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