vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-30 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Subject : TransUnion Reinserted Fraudulent Account Without Proper Notification or Verification Violation of FCRA I am submitting this complaint because TransUnion has violated the Fair Credit Reporting Act ( FCRA ) by reinserting inaccurate and fraudulent information onto my credit report without proper documentation or notification. The account in question is listed as XXXX, which I previously disputed as fraudulent. 

I sent TransUnion a formal dispute via certified mail, which included : My FTC Identity Theft Affidavit, A detailed dispute letter, and All required supporting identity verification documents. 

Following this, TransUnion removed the XXXX account from my credit report, which confirmed the information was unverified or invalid. However, the account was recently reinserted between XXXX XXXX XXXX without any explanation or documentation showing how TransUnion verified that the account was accurate or that I authorized it.

This action is in direct violation of the Fair Credit Reporting Act, 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) ( C ), which requires that : If an account is reinserted after removal, the credit bureau must certify the informations accuracy, and Must provide written notice to the consumer within XXXX business days of reinsertion. 

To date, I have not received any such notice, nor have I been shown any documentation proving the legitimacy or my consent to this account.

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I noticed that an additional fee was added to my CareCredit ( Synchrony Bank ) statement ( statement due date XX/XX/XXXX). I called the company on XX/XX/XXXX and was informed what the fee was for ( paper fee ). I explained that they could not legally do that according to NY State consumer law. I also informed them that I was a XXXX senior, and was entitled to receive paper statements as an XXXX ( XXXX ). 
They refused to stop the fee charges.

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 monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: HABITAT FOR HUMANITY INTERNATIONAL, INC.
State: FL

Complaint narrative:
Dear [ Agency/Recipient Name ], My name is XXXX XXXX XXXX and I am a homeowner in XXXX XXXX XXXX Florida. I am submitting the attached formal dispute letter regarding serious mismanagement of my mortgage loan through XXXX for XXXX. I am currently facing foreclosure despite making over {$73000.00} in payments, many of which were overpayments or rejected without cause. 

The attached letter includes : A detailed timeline of all payments I made from XXXX through XXXX Documentation of payments that were returned by the loan servicer A clear explanation of how payments were misapplied, my principal was not reduced, and fees were wrongly assessed I respectfully request your office conduct an immediate investigation and halt all foreclosure activity until my payment history is fully reviewed and corrected. 

If you need supporting documents or additional evidence, I am happy to provide them. 

Thank you for your time and attention. 

Sincerely, XXXX XXXX XXXX XXXX XXXX North XXXX XXXX, FL XXXX XXXX XXXX If this is not what youre asking for, please reach out to me. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is a formal notice that I dispute the debt you allege I owe and reject any responsibility for it. I also cite multiple violations of federal consumer protection laws in your collection efforts. I do not acknowledge any debt associated with the following agencies : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. XXXX - XXXX XXXX XXXX XXXX XXXX I demand full validation in accordance with 12 CFR 1006.34 ( b ) ( 5 ), including the original creditors name, detailed account information, and a complete breakdown of all charges. You must also provide a copy of the debt purchase agreement. A formal complaint has been submitted to the CFPB concerning these issues. 
Effective immediately, you are prohibited from contacting me by phone, text, or email. Communication must be in writing only. Your failure to provide a valid opportunity to dispute the debt violates 12 CFR 1006.34 ( c ) ( 4 ) ( i ). In addition, your deceptive methods and lack of mandatory disclosures are unlawful. It is also illegal for [ creditor_name ] to report this debt to credit bureaus without proper notice, as outlined under 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Not only has this company taken half my money in dormant fees every month, they refuse to close my account over the phone on XX/XX/XXXX. They changed my address and told me to wait 2 weeks before I can close the account, charging me another dormant fee. I either have to send a check or go to a branch to put in money to get it out of dormant status. The local branch near me is over 40 minutes away. They refused to accommodate me in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have reached out to Experian several times and to no avail no response has been provided. These are the accounts reporting incorrectly. 
XXXX XXXX for XXXX, XXXX XXXX XXXX for {$1000.00}, XXXX XXXX XXXX for {$1500.00}

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 2025-04-30 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC
State: CO

Complaint narrative:
Excessive and repetitive calling. Almost daily. This is highly inappropriate and needs to stop. Its predatory and its obsessive. Below I have attached the call log history of their repeated, very excessive and inappropriate amount of calls from number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: AR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-30 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-30 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: IL

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my 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 2025-04-30 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 consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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 recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: DC

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-04-30 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: NJ

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in XXXX USC XXXXi ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
I didnt paid my credit card off because I lost job and cant have a work at the moment

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am filing this formal complaint and cease and desist demand against XXXX XXXX XXXX and Experian for their continued and unlawful handling of account information being reported under my name. 

The issue : I formally disputed an account being reported by XXXX XXXX XXXX on my Experian credit file. On XX/XX/year>, Experian responded stating the account was verified and updated. However, the report continues to reflect the account as being in dispute which is contradictory, inaccurate, and obstructive to my right to continue my dispute under the FCRA and XXXX XXXX compliance standards. 

Despite the so-called verification, no original documentation, signed agreements, contracts, or legally required validation of the debt has ever been provided to me by either XXXX XXXX XXXX Experian. Their response violates my rights under the Fair Credit Reporting Act ( FCRA ) by failing to provide complete and verifiable documentation or remove the account. I have also been denied access to further dispute this inaccurate information due to XXXX system falsely keeping the account in a dispute status. 

Please consider this a formal complaint and demand for relief. I am attaching screenshots from my Experian report that demonstrate the inconsistent handling and violation of my consumer rights.

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 2025-04-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: NJ

Complaint narrative:
I took out a loan from XXXX for {$800.00} while residing in XXXX XXXX. I later discovered the APR was 490 %, which violates New Jersey 's criminal usury cap of 30 % and civil cap of 16 %. I never expected such a high interest rate or finance charge, and I believe the terms are predatory and illegal. 

I requested from XXXX a full explanation of how they calculated the XXXX and how they believe they are permitted to charge such rates to a XXXX resident. I also formally disputed the loan and revoked ACH authorization under the Electronic Fund Transfer Act ( EFTA ). 

Spotloan did not provide the information I requested and continues to demand repayment under terms I believe violate state law. I am requesting CFPB intervention to investigate this lender and protect consumers from these practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation