vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This letter constitutes my formal dispute of one or more collection accounts currently being reported on my consumer credit file. I am exercising my rights pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ).

The collection accounts in question are inaccurate, incomplete, and can not be verified. To date, no original signed agreement, itemized accounting of the alleged debt, or legally sufficient proof of ownership has been produced to substantiate either the validity of the debt or the authority to report it. The continued reporting of unverifiable information is a direct violation of the Fair Credit Reporting Act, including but not limited to 1681i ( failure to conduct a reasonable reinvestigation ) and 1681e ( b ) ( failure to ensure maximum possible accuracy ).

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 2025-12-29 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 have reviewed my credit report from Experian and noticed an inquiry that I do not recognize or authorize. I am requesting a thorough investigation of this inquiry. 

Account XXXX : XXXX XXXX Date : XX/XX/year>

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 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I have a Care Credit card for medical bills. I have had this card for many years now. I even paid off a previous dental bill with this card. Beginning last summer, I went to my dentist and charged new fees for tooth extraction and a bridge, plus a partial to my Care Credit card. $ XXXX was charged to my Care Credit card. I do not dispute this charge. I am disputing an additional XXXX XXXX Charge of {$140.00} being added to my bill every month. 

Every month an additional charge of {$140.00} is currently being charged to my account. I googled this plan and found it was an " optional plan '' - meaning I had agreed to this charge. I was unaware that I was enrolled in this program. The XXXX XXXX Customer Service Rep told me I was enrolled on XX/XX/year>. That I had checked a box agreeing to this enrollment. I thought it was a charge just for having the credit card - not an optional enrollment. 

I have good credit. I am a retired public school teacher. I have appreciated being able to use my Care Credit to pay my dental bills. However. I am requesting a refund of all charges added to my bill for this 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 2025-12-29 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : 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 reportin
g 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 7 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXXXXXX XXXX  XXXX ( Account ending XXXX ) : This account is reported as charged-off with a balance of {$1800.00}. It continues to be reported monthly after charge-off, which is illegal re-aging. Under 15 USC 1681s-2 ( a ), this unverified and inaccurately reported information must be deleted immediately. 
XXXX. XXXX XXXX XXXX ( Account ending XXXX ) : This account is reported as a charge-off with a balance of {$300.00} and has not been properly reinvestigated after my previous disputes. According to 15 USC 1681i ( a ) ( 1 ), this account must be removed. 
XXXX. XXXX XXXX XXXX ( XXXX XXXX : XXXX ) : This collection account is reported without any lawful validation or proof of assignment, violating 15 USC 1692g ( b ). It must be deleted. 
XXXX. XXXX XXXX ( XXXX XXXX : XXXX ) : This account is incomplete and therefore inaccurate under 15 USC 1681e ( b ) and must be removed.

Under the FCRA, I request the immediate deletion of these accounts. They are not valid, and it is unlawful to remark or reinstate them without proper verification.

Thank you for your prompt attention to 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 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
This company has repeatedly called me multiple times per day requesting that I verify my identity. However, they refuse to disclose who they are or the purpose of the call unless I first provide my full name, the last four digits of my Social Security number, and my address. I am not willing to confirm any personal information without knowing who I am speaking with or why they are calling.

I have already asked that the calls stop, yet the frequency has increased. Additionally, the representatives have been rude, pushy, and persistent, pressuring me to confirm my identity despite my request to cease contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: EQUIFAX, INC.
State: IL

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights 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 non-monetary relief
Consumer complaint received 2025-12-29 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: Mercedes Benz Financial Services
State: CA

Complaint narrative:
I am submitting this formal complaint to MERCEDES-BENZ FINANCIAL XXXX the inaccurate and inconsistent reporting of your accounts on my consumer credit reports with EXPERIAN, EQUIFAX, AND TRANSUNION. Despite my review of these accounts, the information furnished by your organization is being reported in a manner that is inaccurate, incomplete, and inconsistent across multiple credit reporting agencies, resulting in material harm to my credit profile. 

Under the FAIR CREDIT REPORTING ACT ( FCRA ), INCLUDING 15 U.S.C. 1681E ( B ), 1681I, AND 1681S-2, furnishers of information are required to report data that is ACCURATE, COMPLETE, AND VERIFIABLE, and to correct or delete any information that is inaccurate after receiving notice of a dispute. In addition, the XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX REPORTING GUIDELINES require that account status, payment history, and delinquency indicators be reported consistently across all fields and across all consumer reporting agencies. 

The accounts in dispute include XXXX XXXX XXXX XXXX XXXXXXXX ( DATE OPENED : XX/XX/XXXX ), for which late payment information is reported inconsistently and does not match my records across EXPERIAN, EQUIFAX, AND TRANSUNION. Additionally, MERCEDES-XXXX XXXX XXXX XXXX XXXXXXXX ( DATE OPENED : XX/XX/XXXX, BALANCE : {$58000.00}, STATUS : OPEN ) reflects late payment reporting that is inaccurate and inconsistent across all three credit bureaus. 

The reporting inconsistencies associated with these accounts indicate violations of the FCRA and failures to comply with METRO 2 STANDARDS, including improper payment history coding and inconsistent delinquency reporting. Information that varies between bureaus or can not be substantiated with competent evidence does not meet the legal requirement of maximum possible accuracy and must not be furnished to consumer reporting agencies. 

The continued furnishing of inaccurate and inconsistent information by XXXX XXXX XXXX despite notice of dispute, constitutes noncompliance with U.S. FEDERAL LAW and applicable INDUSTRY REPORTING STANDARDS. As a data furnisher, your organization bears an independent duty to ensure that all reported information is accurate, complete, and properly verified before and after furnishing it to consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I have an auto loan with Ally Financial with a 25 % APR. The vehicle price was about {$18000.00}, but the amount financed is over {$22000.00}. I have been making payments on time since XX/XX/year>, XXXX late payment recently and the XXXX is no longer affordable. 

I contacted Ally to request help lowering the XXXX or modifying the loan due to financial hardship. I asked for information about any hardship programs, XXXX reduction programs, or internal refinance options. Ally told me they do not reduce XXXX under any circumstances and that the interest rate is between me and XXXX, even though Ally owns and services the loan. I was told to refinance elsewhere. 

I personally requested a payment extension on my own because I can no longer afford the 25 % XXXX. Ally did not offer any solution other than telling me to refinance with another company. 

I believe this is unfair and predatory. I am requesting assistance with an XXXX reduction, loan modification, or other reasonable solution so I can keep the account in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-12-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Subject : Urgent Complaint Regarding Potential Fraud and Mortgage Mismanagement To Whom It May Concern, I am writing to formally report potential identity theft and mismanagement regarding the mortgage servicing of the property in XXXX XXXX, XXXX, on which I, XXXX XXXX XXXX, am listed on the deed. My XXXX, XXXX XXXX XXXX, passed away on XX/XX/year>, and despite repeated notifications, Mr. Cooper continues to send mortgage statements and other documents to XXXX XXXX XXXX instead of my correct address : XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX. 

I have informed Mr. Cooper that XXXX XXXX, associated with this mortgage, is outside the United States. I am concerned that mail continues to be sent incorrectly, creating a significant risk of fraud, as my son-in-law has been calling from my daughters phone ( XXXX ) and impersonating XXXX XXXX. 

To date, Mr. Cooper has not provided the necessary mortgage statements or documents required for me to be properly added to the mortgage or to assume it, despite my prior complaints. I have copies of all correspondence and emails documenting their repeated failure to acknowledge my status as a deed holder. 

Given these circumstances, I request : Immediate redirection of all mortgage correspondence to XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX. 

Immediate provision of all documents required for me to be added to the mortgage or assume it. 

Confirmation of the steps Mr. Cooper will take to prevent mail mismanagement and mitigate any potential fraud. 

Expedited review of this matter due to the risk of identity theft and ongoing noncompliance. 

This situation involves both mortgage mismanagement and potential identity theft, and I ask for prompt action to ensure proper compliance and protection of all parties rights. 

Sincerely, XXXX XXXX XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: RI

Complaint narrative:
Goldman Sachs Apple Card XXXX are the XXXX Fraudulent Charges that I disputed XXXX times to no avail. 

XX/XX/XXXX - {$120.00} XXXX XX/XX/XXXX- {$350.00} XXXX I did not make these purchases nor have I ever shopped at XXXX. I called immediately to report the fraudulent charges as soon as I noticed them. After speaking with them my credit card number was updated ( then on XX/XX/XXXX - {$150.00} was ATTEMPTED at XXXX then declined since I had changed my number ). 

The very first credit card customer service person I spoke with told me that the fraudulent orders were associated with the following email address, which is NOT mine : XXXX. And the same rep told me it was a popup tent ( XXXX tent had in fact mysteriously arrived at my door on XX/XX/XXXX and when I called XXXX they could not tell me who sent it, so this was starting to piece things together ). In this phone conversation I had called XXXX and got Control # XXXX and Merchant ref # XXXX I also tried calling XXXX and their general number could not get me to the right person to help. 

I have disputed with Goldman Sachs a total of 4 times with phone reps agreeing with me that its clear it was not me. However the charges continue to get kicked back to me every time, with the inability to speak with anyone with decision making power. I have never had so much trouble disputing fraudulent charges with any credit card company. I used to spend thousands every month with this card and paid my bill on time each month. I will be reporting this credit card company and not using it any more. 

I also called XXXX XXXX XXXX on XX/XX/XXXX : XXXX to have a report generated. 
Ref # XXXX They want me to call back in XXXX working days to get an update

Company response to consumer: Closed with monetary relief