vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 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: 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 explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding the reporting of a charged-off account by XXXX XXXX XXXX XXXX on my credit report. I was not properly informed of the overdraft balance that led to this charge-off and there are discrepancies between the balances reported to the credit bureaus and the amounts stated in the banks written notices to me. 

According to XXXX XXXX XXXX XXXX, a notice regarding the overdraft was sent on XX/XX/year>2025, requesting payment within 5 days. However, I did not receive this letter until XX/XX/scrub>, 2025, well after the account was charged off and reported to the credit bureaus. This deprived me of any reasonable opportunity to resolve the matter before it negatively impacted my credit. 

Additionally, there are inconsistencies between the amounts reported to the credit bureaus and the amounts stated in the banks official letters and payment demands. The amounts do not match, and I have requested clarification from the bank without receiving a satisfactory response. 

I respectfully request that the CFPB investigate this matter and assist in having the inaccurate charge-off status either corrected to reflect the accurate timeline and amounts, or removed from my credit report entirely if it can not be substantiated properly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: NY

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 confidentiality under 15 USC 1681. 

XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also 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 reporting 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 seven 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge 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: MO

Complaint narrative:
Please find attached my formal dispute letter regarding multiple fraudulent transactions and duplicate credit balance refund entries on my PayPal Credit account. This submission includes the detailed list of disputed items, background information, and a request for immediate resolution in compliance with the Fair Credit Billing Act. 

I request written confirmation of receipt and an update on the investigation status as soon as possible. 

The disputed items are as follows ( all amounts in USD ) : Transaction Date Posting Date Reference Number Amount Description XX/XX/year> XX/XX/year> XXXX XXXX Credit Balance Refund Check XX/XX/year> XX/XX/year> XXXX XXXX Purchase Credit Balance Refund Check XX/XX/year> XX/XX/year> XXXX XXXX Fraudulent Purchase XX/XX/year> XX/XX/year> XXXX XXXX Purchase Credit Balance Refund Check ( duplicate ) XX/XX/year> XX/XX/year> XXXX XXXX Purchase Credit Balance Refund Check ( duplicate ) XX/XX/year> XX/XX/year> XXXX XXXX Fraudulent Purchase XX/XX/year> XX/XX/year> XXXX XXXX Fraudulent Purchase These transactions were neither made nor authorized by me. This letter serves as my formal notice of dispute under the Fair Credit Billing Act ( FCBA ) and applicable provisions of the Truth in Lending Act ( TILA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Snap Recovery, Inc.
State: FL

Complaint narrative:
Subject : Urgent Demand for Removal of Erroneous Derogatory Account & Compensation XXXX XXXX To : SNAP Debt Recovery XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> Re : Immediate Removal of False Credit Entry XXXX  Report, Account No. XXXX Dear SNAP Debt Recovery, I represent XXXX XXXX XXXX in relation to a serious and unlawful derogatory account you reported to XXXX  on or about XX/XX/year>. The account in question is listed under your companys name, Account XXXX. XXXX, with the alleged amount of {$1000.00} and creditor type XXXX. 

Your actions constitute violations of multiple federal laws : 1. Fair Credit Reporting Act ( FCRA ) Violations 15 U.S.C. 1681 et seq.

1681s-2 ( a ) ( 1 ) ( A ) : Furnishing information you knew or should have known was inaccurate. My client disputes the validity of this debt.

1681s-2 ( a ) ( 2 ) : Upon receiving notice of dispute, yo
u are required to investigate and correct or delete the disputed information.

1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy.

1681i ( a ) : Failure to conduct a proper reinvestigation and remove unverifiable information within 10 days.

2. Fair Debt Collection Practices Act ( FDCPA ) Violations 15 U.S.C. 1692 et seq.

1692e ( 2 ) ( A ) : False representation of the character, amount, or legal status of the alleged debt.

1692e ( 8 ) : Communicating credit information known or which should be known to be false.

1692f : Using unfair or unconscionable means to collect or attempt to collect a debt.

3. Defamation of Credit & Damages By knowingly or negligently reporting false derogatory information to a consumer reporting agency, you have damaged my clients creditworthiness, causing emotional distress, reputational harm, and financial injury.

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

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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

Complaint narrative:
I am writing to follow up on my previous correspondence regarding several negative accounts appearing on my credit report due to identity theft, as detailed in my last letter. 

In my initial statement, I outlined the unauthorized transactions and accounts that have been fraudulently opened in my name, which have severely impacted my credit standing. I kindly requested the removal, blocking, or updating of these inaccurate entries, as well as a prompt response regarding the dispute 's timeline and process. 

Please provide an update on the current status of my case and confirm the steps that have been or will be taken to resolve this matter. If there is any additional information or documentation required, please let me know, as I am committed to assisting with the verification and correction process to ensure an accurate reflection of my credit report. 

I appreciate your time and consideration in addressing this issue. I look forward to your response and a timely resolution to restore the integrity of my credit record. 

Thank you once again for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: CT

Complaint narrative:
I am writing to follow up on my previous correspondence regarding several negative accounts appearing on my credit report due to identity theft, as detailed in my last letter. 

In my initial statement, I outlined the unauthorized transactions and accounts that have been fraudulently opened in my name, which have severely impacted my credit standing. I kindly requested the removal, blocking, or updating of these inaccurate entries, as well as a prompt response regarding the dispute 's timeline and process. 

Please provide an update on the current status of my case and confirm the steps that have been or will be taken to resolve this matter. If there is any additional information or documentation required, please let me know, as I am committed to assisting with the verification and correction process to ensure an accurate reflection of my credit report. 

I appreciate your time and consideration in addressing this issue. I look forward to your response and a timely resolution to restore the integrity of my credit record. 

Thank you once again for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: SC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: SC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 non-monetary relief
Consumer complaint received 2025-08-08 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: CITIBANK, N.A.
State: RI

Complaint narrative:
CFPB Complaint XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) This is a formal complaint regarding inaccurate and non-compliant reporting of a collection account by XXXX XXXXXXXX XXXX  XXXX. on my XXXX credit report, dated XX/XX/XXXX. The account, listed as a debt buyer, shows a balance of {$890.00} and was opened on XX/XX/XXXX. 
I have identified multiple violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 data reporting standards : 1. Missing Original Creditor The report fails to disclose the name of the original creditor, violating 15 U.S.C. 1681s-2 ( a ) ( 7 ).

2. Invalid 'Terms ' Field The account lists 1 Month as the terms, which is prohibited for collection accounts under Metro 2 standards.

3. Improper Payment History Reporting The account shows recurring C ( Collection ) notations for XXXX XXXX. Metro 2 prohibits monthly payment history entries for collection accounts.

4. Misleading 'Past Due Amount ' Reporting {$890.00} as past due is inaccurate for a collection, where the entire balance is due. This violates 15 U.S.C. 1681e ( b ).

5. Missing Furnisher Contact Information No address or phone number for the furnisher is listed, violating 15 U.S.C. 1681g ( a ) ( 2 ).

6. Improper Reinvestigation The file states Completed investigation of FCRA dispute consumer disagrees but no Method of Verification ( MOV ) or source documentation was provided, violating 15 U.S.C. 1681i ( a ) ( 6 ) - ( 7 ).

I have previously disputed this account, yet XXXX and the furnisher failed to correct the inaccuracies or delete unverifiable information. I request that the Consumer Financial Protection Bureau take immediate action to : - Investigate XXXX XXXX XXXX XXXX XXXX  XXXX. for these violations. 
- Require deletion of the non-compliant account from my XXXX credit report. 
- Ensure all future reporting complies with FCRA and Metro 2 standards.

Attached is a copy of my credit report showing the inaccurate account and details of the reporting errors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: U.S. BANCORP
State: IL

Complaint narrative:
I filed for bankruptcy in XX/XX/XXXX and did not include my US Bank Home Mortgage, as it was reaffirmed. My bankruptcy was discharged in XX/XX/XXXX, and I waited several months for my mortgage to start reporting on my credit report, as my bankruptcy lawyer told me it would, and it has not shown up yet so I called US Bank home mortgage to investigate. They told me that even though my mortgage was in no way included in my bankruptcy, they will never report it to the credit bureaus UNLESS I REFINANCE THE LOAN. I believe this is a scheme to collect additional money from consumers and force them to pay additional costs for credit reporting. I have paid every single payment on time since I opened the loan in XX/XX/XXXX and now nothing will show this on my credit report. I feel like this is an unfair practice and a way for US Bank to grow their portfolio and new accounts and I do not believe this is right in any shape or form. They are well aware that I would not be able to move or refinance my loan because of the bankruptcy, so they have trapped me into continuing this loan without credit 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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally submit a complaint regarding the handling of inaccurate information on my credit report by the credit reporting agencies, despite my repeated efforts in dispute these errors. Despite multiple disputes filed with the bureau, they have failed to take appropriate action to update or delete these inaccuracies as required by law. This negligence has persisted despite my lawful right, under the Fair Credit Reporting Act ( FCRA ), I5 U.S.C. 1681, to have my credit report reflect only accurate and verifiable information. The FCRA mandates that credit reporting agencies ensure the accuracy of information ( 15 U.S.C.le ( b ) ) and conduct a reasonable investigation of disputes raised by consumers ( 15 U.S.C. 1681 ).

Despite multiple attempts to have these inaccuracies addressed, the bureaus have not conducted a reasonable investigation or made the required updates, violating my rights under 15 U.S.C. 1681e ( b ) and 168li of the FCRA. This disregard for my rights as a consumer is impacting my financial standing, and I am requesting immediate corrective action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MD

Complaint narrative:
Jefferson Capital Systems is reporting a {$2000.00} XXXX debt to XXXX I believe this balance is inaccurate and inflated beyond the original amount. I was not provided with a breakdown of charges, fees, or a copy of any original XXXX statement to support the balance. 

XXXX  original balance was {$2000.00}, but they are reporting {$2000.00} to XXXX This discrepancy reflects inaccurate and incomplete reporting. Please ask to provide validation and a full itemized breakdown of charges Under FDCPA Section 809 ( b ), I have a right to request proper validation of the debt, including an itemized breakdown. Under FCRA Section 609, credit reporting must be accurate and verifiable.

I disputed the account with XXXX and also sent a validation request to
Jefferson Capital. To date, I have not received documentation proving this balance is correct. 

Im requesting this account be removed from my credit report or corrected based on lack of validation and inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I financed a solar panel system through EnerBank USA several years ago, which is now serviced by Regions Bank. At the time of purchase, I was misled by the solar company about key details, including eligibility for federal tax credits and expected energy savings. Not long after installation, the company went out of business, leaving me with no support or recourse. 

I am now struggling to pay the loan, which has a remaining balance of over {$53000.00} and a monthly payment of {$240.00}. Despite my efforts to contact Regions Bank for loan relief or dispute resolution, their online portal only offers a non-responsive AI chatbot and provides no way to communicate with a human representative. 

I have sent a formal hardship and dispute letter to Regions Bank via USPS mail and am seeking assistance to modify, forgive, or cancel this loan due to the misleading information and lack of service from the installer.

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