vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: NEW YORK COMMUNITY BANCORP INC
State: GA

Complaint narrative:
On XX/XX/XXXX, I paid my XX/XX/year> Bill for my home equity line of credit. In XXXX I started getting reminders to pay the XX/XX/XXXX bill. I was told that the {$600.00} payment was made too early and was applied to my principal. 

Ive called, sent an email and two letters, XXXX has not responded. When I call they refuse to apply the monies to the XX/XX/XXXX bill. 

On XX/XX/XXXX, I made the XX/XX/XXXX payment, that was applied to XXXX. 

My complaint is that I am being penalized for paying a bill early and XXXX will not work with me. I need the {$600.00} applied to the XX/XX/XXXX bill, late fees removed, and notices of late payment removed from my credit. The XX/XX/XXXX payment needs to be correctly applied.

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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Im following up once again about the same fraudulent item that still appears on my credit report. Despite my previous efforts to resolve this, including filing an FTC Identity Theft Report as instructed by Experian, the unauthorized entry remains. My personal information on the report is also incorrect, which is likely contributing to this issue. Ive been a victim of identity theftmy details were used without my consent, and now Im being linked to an account Ive never had any involvement with.

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: GA

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 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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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.

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 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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
NAME : XXXX XXXX XXXX XXXX ADDRES : XXXX XXXX XXXX XXXX XXXX CA XXXX EQUIFAX XXXX XXXX XXXXXXXX XXXX, GA XXXX To : EQUIFAX I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There is a FRAUDULENT accounts on my report which do not belong to me. 
All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. In addition, I demand the following fraudulent ACCOUNTS be deleted from my credit report immediately. 
Please remove the following fraudulent accounts from my credit report : XXXX XXXX - XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Sincerely,

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: CA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX XXXX XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Sunbit, Inc.
State: CT

Complaint narrative:
We were victims of identity theft. There had been multiple attempts to obtain a personal loan using our stolen information. We notified Sunbit, who provided the loan, that there had been multiple attempts and that they should block anyone looking to access our account. We also put a credit freeze at XXXX. Despite acknowledging our request, they did not follow their policies and did not correctly check the credit agencies.. They are now asking for multiple documents and information, despite acknowledging their error. The loan is for {$460.00}.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Account XXXX XXXX XXXX XXXX # XXXX XXXX unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$1100.00} INQUIRIES : 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 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: CA

Complaint narrative:
" I have repeatedly informed Transunion of inaccuracies in my credit report, yet they continue to report incorrect information. Despite my efforts, they have not made the necessary corrections, which is both unfair and a violation of my rights under consumer protection laws. ''

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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: GA

Complaint narrative:
I am a recent victim of a data breach, and fraudulent accounts have surfaced on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I demand that these accounts be blocked and removed 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 XXXX  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/XXXX, Balance : {$490.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8300.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5800.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$700.00} XXXX XXXX  - Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} Inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : 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 2025-06-03 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 submitting this complaint against Equifax for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ) and related provisions. Although the disputes I filed with Equifax are still pending and have not yet been resolved, I am filing this complaint proactively due to serious concerns about the integrity of Equifaxs dispute process. 

On XX/XX/year>, I filed disputes with Equifax regarding XXXX tradelines on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX As part of the disputes, I uploaded color, high-quality PDF documents electronically, which were legible and critical to support the validity of my claims. These documents contained material evidence demonstrating the presence of inaccuracies and misrepresentations by the furnishers. 

Today, I spoke with an Equifax representative regarding my dispute submissions. During the conversation, I was informed that select pages of my supporting documentation are not legible. The representative confirmed that the version of my documents processed by Equifax has been altered, and that key evidence is not readable by their systems or by the furnishers responsible for reviewing the disputes. These pages were essential to a fair and thorough reinvestigation. 

I was further advised that I must wait for the current dispute process to complete before I am allowed to submit additional documents. However, Equifax could not guarantee that new documents would retain their original quality, and acknowledged the same risk of degradation in resolution, color, and legibility. This means I may never have a fair opportunity to present material evidence in support of my claims, despite submitting high-quality files. 

This process undermines my right under FCRA 1681i ( a ) ( 1 ) ( A ) to a reasonable reinvestigation. Equifaxs failure to maintain the quality of my documents during the dispute process makes a reasonable investigation impossible, as critical information is effectively excluded. In addition, FCRA 1681e ( b ) requires consumer reportin
g agencies to follow reasonable procedures to assure maximum possible accuracy of consumer reports. Equifaxs systemic alteration and mishandling of consumer-submitted evidence fails to meet this standard, and impairs the accuracy and fairness of the dispute outcome.

Further, under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX. XXXX, Equifaxs actions may constitute an unfair or deceptive practice, as they prevent consumers from understanding or correcting inaccuracies in their credit reports by misrepresenting the way their documents are reviewed and handled.

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: MI

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 2025-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX RE : Request for Debt Validation To Whom It May Concern, I am writing to request validation of the debt referenced in your recent communication. This is not a refusal to pay, but a formal notice that I am requesting validation and verification of the debt you claim I owe, as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following documentation : 1. The name and addres
s of the original creditor.

2. The amount of the alleged debt, including a breakdown of principal, interest, fees, and any other charges.

3. A copy of the original agreement or contract bearing my signature, showing that I agreed to assume this debt.

4. A detailed accounting of how the alleged amount was calculated.

5. Verification that you are licensed to collect debts in my state and the name of the individual collector assigned to this file.

6. The chain of title showing your authority to collect on behalf of the original creditor or that you have purchased the debt.

Until the requested information is provided, please cease all collection activity, including reporting this debt to any credit reporting agency, which may be considered a violation of the FDCPA. 
I expect your response within 30 days, as required by federal law. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Fee For ATM Withdrawal XXXXXXXX XXXX XXXX XXXX XX/XX/year> - {$3.00} ATM Withdrawal XX/XX/year> - {$41.00} Fee For ATM Withdrawal XXXXXXXX XXXX XXXX XXXX  XX/XX/year> - {$3.00} ATM Withdrawal XX/XX/year> - {$41.00} Fee For ATM Withdrawal XXXX XXXX XXXX XXXX  XX/XX/year> - {$3.00} ATM Withdrawal XX/XX/year> - {$100.00} Fee For ATM Withdrawal XXXXXXXX XXXX XXXX XXXX XX/XX/year> - {$3.00} ATM Withdrawal XX/XX/year> - {$100.00} Fee For ATM Withdrawal XXXX XXXX XXXX XXXX  XX/XX/year> - {$3.00} ATM Withdrawal XX/XX/year> - {$81.00} I received my tax refund on a prepaid American Express card provided through XXXX XXXX through Serve. My full refund was loaded correctly, and I used the card as normal. However, approximately a month later, I noticed that a large portion of my funds ( over {$350.00} ) had gone missing due to an unauthorized ATM withdrawal. 

I did not authorize this transaction, was not present at the ATM, and did not give anyone my PIN. I immediately contacted American Express ( Serve ) and filed a fraud dispute. I was told that because the ATM withdrawal used my PIN, they would not honor the claim. I disputed the charge twice, and both times it was denied. 

I then contacted XXXX XXXX, who connected with me on a three-way call to Serves customer service to advocate on my behalf. The representative asked Amex whether they reviewed ATM camera footage, and the Amex rep refused to confirm whether a full investigation was performed. Instead, they stated a letter of recommendation was placed but no clear fraud resolution was provided. 

I am aware that under Regulation E ( Electronic Funds Transfer Act ), PIN usage does not automatically exempt a card issuer from liability if the PIN was compromised or if fraud occurred. I did not authorize the transaction and have done everything required including timely dispute filing and third-party verification from XXXX XXXX XXXX 

I am requesting the CFPB investigate this matter and that American Express Serve provide a proper fraud investigation, including a refund of the funds withdrawn without my authorization.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I recently approved and accepted the AMEX gold card. I applied for this specifically because of the {$0.00} annual fee and XXXX bonus points offer. 

However, since then, the annual fee offer has not been honored. I was charged XXXX on XX/XX/XXXX. I have since escalated the case to a supervisor, who told me that it would take 8 weeks to resolve, which I find utterly ridiculous, especially since my statement with the unauthorized annual fee is due on XX/XX/XXXX. 

I have attached the documentation which proves the no annual fee and bonus points offer. My goal is to have this resolved before the statement due date because I will not pay for this unauthorized charge. The documentation is as clear as glass that there is no annual fee, so resolving this should really take no more than a few minutes, not 8 weeks or whatever AMEX is quoting.

Company response to consumer: Closed with explanation