vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 00:00:00
Product: Credit card — Store credit 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: MI

Complaint narrative:
I purchased a washing machine from XXXX XXXX on credit. I completely paid off account and had no communication regarding account not being paid, never missed a payment. About 2-3 years after the purchase was completely paid off, I began receiving call requesting payment. I have explained multiple times the account had been paid, requested informant and also sent written correspondence requesting explanation, nothing received. As a result other credit accounts financed through Synchrony have made a decision to decrease credit limits and not allowing me to obtain additional credit as needed. I have never been late on any payment Synchrony or any other company in the past 6 years other than working on student loan.

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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have attempted to contact TransUnion regarding my security freeze and would like it to be removed. I initially tried to request the removal online through their website, but I was instructed to call their customer service. When I called, the agent I spoke with informed me that she also couldn't process my request. She advised me to send an email to the Fulfillment Center, which I did on XX/XX/2025. 

On XX/XX/XXXX, TransUnion mailed my credit report to me, but it still shows that a security freeze is in place..

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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint to formally request the removal of XXXX inaccurate addresses that are currently being reported on my credit file by all XXXX major credit reporting agencies : TransUnion, and Equifax. 

XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX These addresses do not belong to me and have never been associated with my residence, employment, or financial history. Their continued presence on my credit reports is not only misleading, but could potentially expose me to fraud risk or the misattribution of accounts. 

The inclusion of inaccurate personal identifying information violates the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to maintain accurate and up-to-date information. I am requesting that these addresses be immediately and permanently removed from my credit file across these XXXX 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 non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: RI

Complaint narrative:
I dont know what this is because I was divorced and have no knowledge of this. This is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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:
In XX/XX/year>, I discovered numerous fraudulent accounts on my credit report that I did not authorize. On XX/XX/year>, I filed a police report with the XXXX Police Department and submitted an FTC identity theft affidavit. Despite this, many fraudulent accounts and inquiries remain on my credit. 

* * Fraudulent accounts include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act, 15 U.S. Code 1681c2 ( Section 605B ) * *,  consumer reporting agencies are * * required to block * * identity theft-related items within * * four business days * * after receiving a valid police report, proof of identity, and a written statement. I submitted all required documentation, yet these accounts remain.

I am requesting that the CFPB take action to enforce the removal of these fraudulent accounts and inquiries in compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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:
In XX/XX/year>, I discovered numerous fraudulent accounts on my credit report that I did not authorize. On XX/XX/year>, I filed a police report with the XXXX Police Department and submitted an FTC identity theft affidavit. Despite this, many fraudulent accounts and inquiries remain on my credit. 

* * Fraudulent accounts include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act, 15 U.S. Code 1681c2 ( Section 605B ) * *,  consumer reporting agencies are * * required to block * * identity theft-related items within * * four business days * * after receiving a valid police report, proof of identity, and a written statement. I submitted all required documentation, yet these accounts remain.

I am requesting that the CFPB take action to enforce the removal of these fraudulent accounts and inquiries in compliance with 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 2025-07-19 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: AL

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, 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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
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 : Equifax XXXX XXXX XXXX XXXX  GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Subject : Do Not Reinsert Deleted Collection Account XXXX XXXX XXXX To Whom It May Concern, I am formally requesting that the following collection account not be reinserted into my credit report unless it is fully verified in accordance with the Fair Credit Reporting Act ( FCRA ) : Creditor Name : XXXX XXXX XXXX Amount : {$600.00} Date Opened : XX/XX/XXXX Reported to : Equifax, Experian, and TransUnion Under FCRA Section 611 ( a ) ( 5 ) ( B ), if any disputed account is removed from a credit file, it must not be reinserted without proper certification of its accuracy and completeness from the original creditor or data furnisher. If you intend to reinsert this item, you are legally required to send me written notification within five business days with the following : The name of the party who verified the account The method and documentation used to verify the account The date the verification was completed Please permanently suppress or delete this account unless all FCRA requirements are met. 

Thank you for your compliance. 

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 non-monetary relief
Consumer complaint received 2025-07-19 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: CA

Complaint narrative:
i have fraudulent accounts on my credit report. Please remove these accounts from my credit report.

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 2025-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC.
State: ID

Complaint narrative:
This mortgage servicing company has been misapplying my payments for XXXX months. The math does not add up in their transactions as there seems to money that has just disappeared. I have contacted them several times and there is no resolution thus far. I am attaching a screenshot of the transactions page as it is self-explanatory for the complaint. Payments are incorrectly applied, then reversed, then reapplied but often at a different dollar amount and not all of the payment is accounted for in the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Mr. Cooper Group Inc.
State: NV

Complaint narrative:
In XX/XX/XXXX, my husband and I were advised by XXXX XXXX at Mr. Cooper not to make our mortgage payment because our refinance would be approved. We trusted him, but the loan was denied, and we were hit with late feesdespite always paying early in the past. It was humiliating and caused unnecessary financial and emotional stress. 

Then in XX/XX/XXXX, another representative, XXXX XXXX XXXX ( XXXX # XXXX ), gave us the same advice during another refinance offer. We didnt fall for it again, but this seems to be a repeated issue at Mr. Cooper XXXX No one should be told to stop making paymentsit damages credit, trust, and peace of mind. We deserve better.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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 veteran who suffers from XXXX, this experience has been extremely XXXX  and XXXX XXXX. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only one week remaining to finalize my home purchase. Equifaxs refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my XXXX  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 explanation
Consumer complaint received 2025-07-19 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: TN

Complaint narrative:
I have a {$4600.00} collections debt in the national credit systems that says it was opened on XX/XX/year> from XXXX XXXX on my credit reports and I was never notified of this, I had to find out through applying to XXXX  that I had debt in collections. Its a joint collections debt that showed up on my significant others credit history as well and he was able to dispute it but every time I try to dispute it, it doesnt get cleared. I had no knowledge of the debt and I believe they have the wrong information. They cant even prove its mine I requested paperwork and nothing was sent. Implying they are trying to collect money unlawfully. Every time Ive called collections they have been hostile and rude. This is causing me XXXX XXXX as I am simply trying to get a roof over my families head. Ive never missed a payment on rent. This is absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: NC

Complaint narrative:
15 U.S.C. 1681a ( 2 ) ( xi ) ( Late Payments ) 15 U.S.C. 1681i ( Procedures for Disputed Accuracy ) 15 U.S.C. 1681s2 ( Furnishers Responsibilities to Consumer Reporting Agencies ) 15 U.S.C. 1681e ( b ) & 15 U.S.C. 1681i ( 5 ) ( a ) ( Accuracy Standards ) 15 U.S.C. 1681i ( 7 ) ( Verification Requirements ) The presence of the inaccuracy due to XXXX  and XXXX  Data Breach, I will be seeking legal actions if this issue is not rectified under federal laws and removed. I have contacted Federal agencies to assist me with this matter. My consumer rights have been tarnished and violated. Trans Union has reported the negative information on my credit file without my consent. I have never signed any applications permitting this agency to report such information. I have requested proof, including a signed application or contract along with my valid drivers license, but the reporting Furnishers has not provided documentation or their policies and procedures regarding the FCRA. This raises serious concerns about Trans Union compliance with FCRA regulations, which require a permissible purpose for accessing and reporting consumer credit information.

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 2025-07-19 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:
I recently reviewed my credit report and discovered several fraudulent accounts. These accounts are negatively impacting my credit and making it difficult for me to obtain credit. I would appreciate it if these accounts could be removed.

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 2025-07-19 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:
15.U.S.C 1681 section 602 A .ESTATE I HAVE THE RIGHT TO PRIVACI 15U.S.C 1681 SECTION 2 : IT ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WHITEN INSTRUTIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this bank has violated my right with my information XXXX XXXX XXXX XXXX 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 2025-07-19 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: DE

Complaint narrative:
Im writing this CFPB report because I'm a victim of identity theft someone hacked my person information and opened up multiple accounts in my name and I need these accounts removed. in pursuant to FCRA 605B ( 15 U.S.C 1681 c-2 ) Block and remove these accounts in XXXX days from credit report. and also I have my identity theft report attached showing proof that these accounts are fraud XXXX  XXXX opened XXXX account number XXXX XXXX  XXXX opened XXXX account number XXXX also all these inquiries was not verified by me these are fraud and need to be removed XXXX XXXX for Inquiry date XXXX XXXX XXXX inquiry XXXX XXXX XXXX XXXXXXXX XXXX XXXX inquiry XXXX XXXX XXXX XXXX inquiry XXXX XXXX XXXX inquiry XXXX XXXX XXXX XXXX inquiry XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: DE

Complaint narrative:
Im writing this CFPB report because I'm a victim of identity theft someone hacked my person information and opened up multiple accounts in my name and I need these accounts removed. in pursuant to FCRA 605B ( 15 U.S.C 1681 c-2 ) Block and remove these accounts in XXXX days from credit report. and also I have my identity theft report attached showing proof that these accounts are fraud XXXX  XXXX opened XXXX account number XXXX XXXX  XXXX opened XXXX account number XXXX also all these inquiries was not verified by me these are fraud and need to be removed XXXX XXXX for Inquiry date XXXX XXXX XXXX inquiry XXXX XXXX XXXX XXXXXXXX XXXX XXXX inquiry XXXX XXXX XXXX XXXX inquiry XXXX XXXX XXXX inquiry XXXX XXXX XXXX XXXX inquiry 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