vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 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: LEXISNEXIS
State: PA

Complaint narrative:
I reviewed a copy of my Lexis Nexis report and noticed the following fraudulent account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This account is fraudulent and does not belong to me. I attached the FTC report and the appropriate documents for proof of identity. As per FCRA guidelines ( 15 U.S. Code 1681c-2 ), upon receipt of this attached FTC report and my attached identifying documents, please remove this account from my file immediately, but not longer than 4 business days. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: IL

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate and misleading information reported on my credit reports by multiple data furnishers. 

Duplicate Collection Reporting by XXXX XXXX XXXX XXXX credit reports list XXXX collection accounts from XXXX XXXX XXXX referencing the original creditor, XXXX XXXX Bank, with nearly identical balances ( {$1500.00} and {$3200.00} ). I believe these entries are duplicates or misrepresented debts, violating my rights under the Fair Credit Reporting Act ( XXXX  ) for accurate and non-redundant reporting. 

Consumer Disputes After Resolution Misleading Remark XXXX of these accounts includes a remark that I dispute the debt after resolution. I was not notified of any reinvestigation nor did I receive any written results as required under FCRA XXXX XXXX. This notation is misleading to current or potential lenders. 

Improper Collection Reporting by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) A newly reported collection account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$1700.00} ) was added to my file with no prior written notice as required by FDCPA XXXX XXXX ( a ). I did not receive any validation notice or opportunity to dispute before this entry appeared, which caused damage to my credit standing. 

Stale Charged-Off Debt by XXXX Bank A charge-off from XXXX Bank for {$890.00} appears as recently XXXX but has had no account activity since XXXX. This XXXX exceed my state 's statute of limitations for collecting or reporting such debt and should be verified or removed. 

I request that the Consumer Financial Protection Bureau initiate a thorough investigation into these violations and instruct the credit reporting agencies and furnishers involved to correct or remove the inaccurate data. Please provide updates throughout the process.

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 2025-05-24 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: IL

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate and misleading information reported on my credit reports by multiple data furnishers. 

Duplicate Collection Reporting by XXXX XXXX XXXX XXXX credit reports list XXXX collection accounts from XXXX XXXX XXXX referencing the original creditor, XXXX XXXX Bank, with nearly identical balances ( {$1500.00} and {$3200.00} ). I believe these entries are duplicates or misrepresented debts, violating my rights under the Fair Credit Reporting Act ( XXXX  ) for accurate and non-redundant reporting. 

Consumer Disputes After Resolution Misleading Remark XXXX of these accounts includes a remark that I dispute the debt after resolution. I was not notified of any reinvestigation nor did I receive any written results as required under FCRA XXXX XXXX. This notation is misleading to current or potential lenders. 

Improper Collection Reporting by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) A newly reported collection account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$1700.00} ) was added to my file with no prior written notice as required by FDCPA XXXX XXXX ( a ). I did not receive any validation notice or opportunity to dispute before this entry appeared, which caused damage to my credit standing. 

Stale Charged-Off Debt by XXXX Bank A charge-off from XXXX Bank for {$890.00} appears as recently XXXX but has had no account activity since XXXX. This XXXX exceed my state 's statute of limitations for collecting or reporting such debt and should be verified or removed. 

I request that the Consumer Financial Protection Bureau initiate a thorough investigation into these violations and instruct the credit reporting agencies and furnishers involved to correct or remove the inaccurate data. Please provide updates throughout the process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I am writing to you as the primary account holder of XXXX XXXX Account # : XXXX, currently reported as open and active. After thoroughly reviewing my credit report, I have found erroneous late payment entries reported for the months of XXXX, XXXX, XXXX, and XX/XX/XXXX, which I must formally dispute. 

Disputed Information Summary : Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Account Type : Installment Auto Loan Payment Amount : $ XXXX Date Opened : XX/XX/XXXX Account Status : Open, Current Disputed Months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Code : Individual

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 2025-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mandarich Law Group, LLP
State: MI

Complaint narrative:
I received a notice from Mandarich law group stating that I have until XXXX to respond to a notice. One of the options for response was to request validation of the debt, I requested validation of the debt via the email they provided. This was a month ago and I have no received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: CT

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that to disclose my personal information, you have to have my written consent, making you liable for any remedy under the 15 U.S.C. Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed your office again violated my privacy. Under 15 USC 1681 ( a ) ( 4 ).

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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I recently checked my credit reports and noticed billing errors, incomplete, and inaccurate information. You are in serious violation of the United States Code Law ( TILA ) 15 U.S. Code 1666 ( b ), billing error.

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 2025-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My name is XXXX XXXX. 

Bank of America closed my bank account without clear explanation and later restricted my phone number and email address from being used with XXXX. 

I have called Bank of America at least twice to ask for the reason behind the closure and to request the removal of the restrictions. However, I have not received a clear explanation or resolution. I am unable to use XXXX services even though my account is no longer active with Bank of America. 

I respectfully request : 1. A written explanation for why my account was closed.

2. The removal of the restrictions on my phone number and email address in relation to XXXX. 
3. A full review of my case and a correction if there has been any mistake or unjustified suspicion.

I believe I am being treated unfairly and deserve a clear and professional resolution. I kindly ask for your help to investigate and solve this issue. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-23 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: IL

Complaint narrative:
Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: GA

Complaint narrative:
I need your assistance in looking into accounts from these companies that have inaccurately reported late payments. I checked my credit report XXXX found certain accounts marked late, which is incorrect. These late payment remarks should be removed, XXXX the accounts should be updated XXXX reflect a positive, paid as agreed status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: GA

Complaint narrative:
I need your assistance in looking into accounts from these companies that have inaccurately reported late payments. I checked my credit report XXXX found certain accounts marked late, which is incorrect. These late payment remarks should be removed, XXXX  the accounts should be updated XXXX reflect a positive, paid as agreed status.

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 2025-05-24 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:
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 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 2025-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I played a web game. You win money and its sent through PayPal. PayPal closed my account. I was a loyal customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: GA

Complaint narrative:
I am formally requesting that you block and remove the unauthorized accounts currently appearing on my credit file. I did not create or authorize these accounts and do not recognize their origin. As outlined in USC XXXX, I ask that these accounts be removed within 15 days. Enclosed are documents for your thorough review. Please also be advised that the information reported across credit bureaus is inconsistent and incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: MD

Complaint narrative:
FORMAL DISPUTE OF ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX THIS IS MY FORMAL DISPUTE PURSUANT TO THE FAIR CREDIT REPORTING ACT ( FCRA ) SECTION 611. I AM REQUESTING AN INVESTIGATION AND IMMEDIATE REMOVAL OR CORRECTION OF THE INACCURATE AND MISLEADING INFORMATION BEING REPORTED BY EXPERIAN FOR THE ABOVE-MENTIONED ACCOUNT. EXPERIAN IS NOT INVESTIGATING ANY DISPUTES EXPERIAN IS ONLY STATING BEEN VERIFIED EQUIFAX NOR TRANSUNION HAS THIS ACCOUNT ON MY CONSUMER FILE. EXPERIAN HAS CONSISTENTLY PROVIDED FALSE DATA FOR MULTIPLE ACCOUNTS. 

THE ACCOUNT WAS CHARGED OFF IN XX/XX/XXXX. HOWEVER, YOU ARE CONTINUING TO UPDATE THIS ACCOUNT WITH NEW PAYMENT HISTORY MONTHS THROUGH XX/XX/XXXX. THIS IS A CLEAR CASE OF " REAGING '' WHICH IS A VIOLATION OF FCRA 605 ( C ). THE ACCOUNT STATUS DATE SHOULD REFLECT THE ORIGINAL DATE OF FIRST DELINQUENCY, AND NOT BE RESET.

MOREOVER, THE ORIGINAL BALANCE WAS {$28000.00} BUT YOU ARE REPORTING A PAST DUE BALANCE OF {$29000.00} AN UNAUTHORIZED INFLATION OF DEBT IN VIOLATION OF FCRA 623 ( A ) ( 1 ) ( A ). NO DOCUMENTATION HAS BEEN PROVIDED TO SHOW WHY THE BALANCE INCREASED POST-CHARGE-OFF. 

REPORTING CONTINUED 30, 60, 90, AND 120 DAY LATE PAYMENTS ON AN ACCOUNT THAT HAS ALREADY BEEN CHARGED OFF IS MISLEADING, INJURIOUS TO MY CREDIT SCORE, AND VIOLATES METRO 2 REPORTING GUIDELINES. 

ADDITIONALLY, THE COMMENT " ACCOUNT INFORMATION DISPUTED BY CONSUMER ( MEETS REQUIREMENT OF THE FCRA ) '' IS DECEPTIVE. IT IMPLIES A RESOLVED STATUS WHEN IN FACT THE DISPUTE REMAINS ACTIVE. THIS PRACTICE HAS BEEN CHALLENGED IN FEDERAL CASES FOR CREATING CONFUSION ABOUT THE OUTCOME OF INVESTIGATIONS. 

PLEASE CONDUCT A FULL INVESTIGATION AND REMOVE OR CORRECT THIS TRADELINE IMMEDIATELY. IF IT CAN NOT BE VERIFIED ACCURATELY, IT MUST BE DELETED PURSUANT TO FCRA 611 ( A ) ( 5 ). 

PLEASE MAIL ME A RESPONSE AND AN UPDATED COPY OF MY CREDIT REPORT TO THE ADDRESS LISTED ABOVE.

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 2025-05-24 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Kikoff Inc.
State: OR

Complaint narrative:
on XX/XX/XXXX I contacted Kickoff to inform them I would need to change my payment date and cancel auto pay. I was told it was completed, and my payment date would be XX/XX/XXXX. 

on XX/XX/XXXX, Kikoff attempted XXXX charges against my bank account, causing me to have XXXX overdraft fees of {$35.00}, plus the {$20.00} paid on the second attempt. after contacting my bank, I was informed kikoff was responsible for the fees under XXXX USC XXXX, the Electronic Funds Transfer Act. 

upon contacting kikoff, I was told by a manager named " XXXX '' he would not process a refund, that the federal law did not apply to kikoff, and while they confirm auto pay was requested to be turned off, it never was. I was then told " too bad, maybe you shouldn't be poor '' by the rep. 


I am contacting CFPB in the hopes Kikoff will meet their legal obligations in providing me the overdraft fees created by their mismanagement of accounts, creating an unauthorized charge to my bank card, likewise creating overdraft fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
On XX/XX/XXXX, I received a letter from Synchrony Bank in response to my certified request for monthly account statements from XX/XX/XXXX to XX/XX/XXXX. The letter claims Synchrony is unable to provide a statement for this period because our records indicate that your account had a XXXX balance and no statement was generated at that time. 

This directly contradicts XXXX earlier response to the CFPB, in which they admitted to charging me {$2500.00} in XXXX XXXX fees from XXXX and stated they issued a full refund. It also contradicts their earlier electronic email to me I added in complaints to CFPB this week which states ; " We have researched your claim of a missing or delayed billing statement ( no, Synchrony... for the XXXX time, that is NOT what I asked for. I asked for the billing statements from XXXX in accordance with the Truth in Lending Act XXXX ) and confirmed the statement and was sent on time to the certified address on file ). '' Okay Synchrony, If no statements were generated and my account had a XXXX balance, how were these fees charged and refunded? 

I am still being billed the full account balance ( over {$4000.00} ) and am being asked to pay a {$170.00} minimum payment indicating the refund has not been fully applied. 

Additionally, the letter they uploaded to the CFPB portal is dated XX/XX/XXXX, but was not sent to me until XX/XX/XXXX. This raises concerns about potential backdating or misrepresentation of responsiveness. 

Most importantly, when I called XXXX automated system on XX/XX/XXXX, it still stated that my dispute is active, showing that the issue is not resolved internally despite their submission to the CFPB suggesting otherwise. 

These contradictions suggest either : Withholding of records, Misrepresentation of refund status, or Inaccurate reporting to the CFPB. 

I respectfully request that this case remain open and that Synchrony be required to : XXXX. Provide complete, itemized billing statements showing XXXX XXXX charges from XXXX ; XXXX. Explain the conflict between their claim of issuing a refund and their denial of statement records ; XXXX. Confirm the exact status of my refund and dispute ; XXXX. Ensure no misleading remarks are added to my credit report. 

I have uploaded the XX/XX/XXXX letter they sent as supporting documentation.

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 2025-05-24 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: GREENSKY OPERATIONS, LLC
State: MD

Complaint narrative:
Please see attached response to Greenskys 's response to my complaint filed on XX/XX/year>, with the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
On XX/XX/2024, I paid off my mortgage in full to the original lender, XXXX XXXX XXXX. The payment was confirmed received and processed. The loan was then transferred to Fay Servicing XXXX XXXX XXXX XXXX for final servicing. Since then, the loan has not been officially closed, and no reconveyance deed has been recorded with XXXX XXXX. 

I contacted Fay Servicing multiple times by phone in early XXXX. Each time, I was told they could not confirm the loan closure status and that I should speak with the lender. When I spoke with the original lender, they indicated the loan had been paid off and that the servicer should handle the reconveyance. 

Due to this delay, escrow for the sale of my property can not be completed, putting my transaction at risk. I have already submitted all payoff documentation, including the wire receipt and payoff statement, to both the escrow company and the servicer. However, there has been no clear explanation from Fay Servicing regarding the reason for the delay, nor a resolution timeline. 

I am seeking immediate closure of the loan and recording of the reconveyance so the sale of my home can proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: SC

Complaint narrative:
The following accounts are not mine and I do not have knowledge of these accounts XXXX XXXX.Account XXXX XXXX XXXX XXXX.Account Number : XXXX XXXX  XXXX XXXX  .. Account XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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:
The following accounts are not mine and I do not have knowledge of these accounts XXXX XXXX.Account XXXX XXXX XXXX XXXX.Account Number : XXXX XXXX  XXXX XXXX  .. Account XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief