vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CITIZENS FINANCIAL GROUP, INC.
State: KY

Complaint narrative:
I am filing a complaint against my auto loan company for unfair billing practices and harassment. Since XX/XX/XXXX, they have charged me an extra {$15.00} monthly fee assessment every time I made a payment. This was because they would not allow me to make payments online. The only option they provided was to call a phone number and pay over the phone, which incurred this fee. 

I attempted for over a year to make online payments, but the website would never allow me to do so. As a result, I was forced to call their automated system or representatives each month to make payments and was charged an extra {$15.00} every time. 

In XX/XX/XXXX, I blocked their phone numbers due to excessive callingmultiple times per day, every month. I can provide a call log showing the number was blocked. After blocking their numbers, for the first time, I was suddenly able to access the online payment portalno more phone calls, and I anticipate no {$15.00} fee in XXXX. This timing is not coincidental.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I've been very happy with Synchrony Bank, however they have failed to properly notify me of their auto roll over CD policy in two critical ways. One, when I spoke with a representative who helped me select and place our money into a CD - that representative failed to inform me of the critically short grace period following the maturity of our CD. 

Secondly, by opting into digital communications, instead of paper, Synchrony failed me again by failing to indicate in the email subject line, or in the content of the email, that a critical date and narrow window of time had arrived for my CD. Likewise the content of the email failed to mention what the " document '' was about. Given the motivation to hold onto a customers money without their consent, or charge a large fine following a missed date, the ommission of content in both the email and subject line feels intentionally absent. Futhermore, EVERY other email from them ( except about my CD ) was very informative in both the subject line and body of the email. Since, this incident, I've switched to paper communications. However, I sincerely regret not being informed that digital communications would be categorically different than paper communications. As a customer, I expect the same clear communication by email as I would've gotten in via paper mail. 

If the digital email system can have a subject line that contains words such as " alert '', or details such as " funds transfer request # XXXX has been scheduled '', then why wouldn't it have more information than this : " You've recieved a Synchrony Bank document in your inbox '', prior to the maturity and automatic roll-over of a large CD? 

In the least, an intentionally vague email like that, providing zero information about a critical upcoming deadline, constitutes improper digital notification without consent. 

I've attached a snapshot of my inbox so you can see that the messages from both XX/XX/XXXX and XX/XX/XXXX contained no reference to an upcoming CD maturity deadline. Likewise the body of the emails also offered zero information, not even a reference to what the document was about. 


This CD policy would feel completely understandable had we been properly informed and notified. Indeed, the actual notification documents are 100 % adequate, but the digital means of " alerting '' me to the those critically important documents were woefully inadequate, as we hope you can aknowledge by looking at the attached file for emails from XX/XX/XXXX & XX/XX/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 2025-06-02 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: OH

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: OH

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to 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 2025-06-02 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:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-06-02 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: NC

Complaint narrative:
I am requesting the removal and blocking of fraudulent accounts added after a data breach compromised my personal information. Under Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), please act within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX NC XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$27000.00}

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 2025-06-02 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: NC

Complaint narrative:
I am requesting the removal and blocking of fraudulent accounts added after a data breach compromised my personal information. Under Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), please act within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX NC XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$27000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Subject : Request to Reinstate Deleted Student Loan Accounts To Whom It May Concern, I am writing to respectfully request the reinsertion of several student loan accounts that were mistakenly deleted from my TransUnion credit report. These accounts are accurate, valid, and should be reflected in my file as part of my positive credit history. 

The accounts are as follows : DEPTEDXXXX Account Number : XXXX DEPTEDXXXX  Account Number : XXXX DEPTEDXXXX  Account Number : XXXX ( appears multiple times with different balances and open dates ; each entry represents a separate loan and should be treated as an individual account ) These accounts were not disputed due to inaccuracy but were removed in error. I am requesting their reinstatement in full, including all separate entries associated with Account XXXX XXXX, as they reflect different disbursements under the same servicer. 

Please consider this letter my formal consent to reinsert these tradelines. If additional verification from the original lender is needed, I am willing to cooperate fully to expedite the process. 

Thank you for your prompt attention to this matter. I look forward to receiving written confirmation of the outcome. 

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 2025-06-02 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: TX

Complaint narrative:
I am reaching out to request the CFPBs assistance in ensuring that the Experian properly process and investigate the dispute I submitted regarding multiple items on my credit report. After reviewing my file, I found several accounts and data that appear to be inaccurate, incomplete, or inconsistent, and I outlined those concerns in a detailed dispute letter. This complaint is to make sure the credit bureaus fulfill their responsibilities under the Fair Credit Reporting Act ( FCRA ) by giving my dispute the attention it deserves. I expect a full investigation into each item I listed, not just a generic response or verification without review. The information in question has a direct impact on my financial standing, and it is essential that my credit file reflect only accurate and complete information. My dispute letter, attached to this complaint, provides a clear breakdown of what needs to be reviewed and corrected.

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 2025-06-02 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: NJ

Complaint narrative:
On numerous attempts each month for over 6 months I have requested information to be investigated, reports of how they obtained their verification and to correct or delete the inaccurate information. They have failed to do so and have not furnished the proper verification results.

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 2025-06-02 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: NJ

Complaint narrative:
On numerous attempts each month for over 6 months I have requested information to be investigated, reports of how they obtained their verification and to correct or delete the inaccurate information. They have failed to do so and have not furnished the proper verification results.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: FL

Complaint narrative:
I am filing this complaint against Equifax in connection with a previously reported account from XXXX XXXX XXXX. 

XXXX XXXX previously informed the Consumer Financial Protection Bureau ( CFPB ) that they had closed the account and submitted it for deletion from all consumer reporting agencies. I have documentation from XXXX XXXX official response to my original CFPB complaint ( Complaint # XXXX ) confirming this. 

However, despite these assurances, the account was re-reported to Equifax on XX/XX/year>, causing a significant drop in my credit score. This directly contradicts the representation made by XXXX XXXX to the CFPB that the account had been closed and removed. 

Equifaxs continued reporting of this tradeline is inaccurate, misleading, and in violation of the Fair Credit Reporting Act ( FCRA ), especially considering the deletion request was supposedly submitted by the debt collector months ago. 

I am requesting immediate deletion of this tradeline from my Equifax credit report and a full investigation into why this account is still being reported despite a confirmed deletion by the data furnisher. 

Attachments include : The original CFPB complaint and response from XXXX XXXX Screenshots of current credit report showing re-reporting Supporting evidence of prior deletion commitment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: LEXISNEXIS
State: NJ

Complaint narrative:
Re : Rebuttal CFPB Case # XXXX Dear CFPB Representative, I am submitting this rebuttal to LexisNexis Risk Solutions ' response regarding my prior dispute of a Chapter XXXX bankruptcy reported under Case # XXXX. XXXX justification relies solely on PACER, which is a public database and not a furnisher of consumer information. As the XXXX Bankruptcy XXXX has confirmed, they do not report or verify consumer data. 

LexisNexis has failed to : Identify a data furnisher for the record. 

Provide any signed authorization for reporting. 

Demonstrate XXXX XXXX compliance or provide dispute condition codes. 

Follow reasonable procedures to ensure data accuracy as required under 15 U.S.C. 1681e ( b ). 

Supporting Case Law : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) XXXX v. XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I wasnt properly notified by Midland Credit management of debt owed before they sued me. They put my information for everyone to see closed halfway inside the door of my home. They would of had to open the door to do so. They were seen on camera walking around my neighbors yard, instead of mine the first two times they came in attempt to serve me. I was unaware of who it was walking around my yard. Yes, I have proof of video and pictures of all of this and will be more than happy to share.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXXXXXX Balance : {$0.00} Open Date XX/XX/XXXX, XXXX XXXX XXXX XXXX : {$3100.00} Open Date XX/XX/XXXX, XXXX XXXX Balance : {$170.00} Open Date XX/XX/XXXX, XXXX  XXXX Balance : {$42.00} Open Date XX/XX/XXXX, XXXX XXXX XXXX XXXX : {$0.00} Open Date XX/XX/XXXX, XXXX XXXX Balance {$2800.00} Open Date XX/XX/XXXX, XXXX XXXX XXXX Balance {$410.00} Open Date 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 2025-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: VA

Complaint narrative:
In XX/XX/year> I was approved to switch from the XXXX payment plan to the XXXX payment plan in an effort to make payments towards PSLF. MOHELA has been mismanaging this change and I have been placed back into a " SAVE forbearance '' despite having been approved for XXXX. 

See attached documents with timeline and screen shots for more details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: TX

Complaint narrative:
Because of a recent data breach, my credit report has been corrupted by unauthorized accounts. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I request immediate blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-06-02 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: TX

Complaint narrative:
Because of a recent data breach, my credit report has been corrupted by unauthorized accounts. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I request immediate blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I have letters.I just don't know how to send them to you

Company response to consumer: Closed with explanation