vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I purchased a bedframe from rooms to go XXXX  months ago. It was paid for by synchrony banks rooms to go credit card which is supposed to offer buyer protection. The bedframe is cracking from poor installation and rooms to go denied warranty and synchrony bank is not helping by financing faulty unsafe bedframes. Rooms to go and synchrony are violating the maggnusson moss act and FCRA by making me pay for a damaged bed frame. 

Your sales escalation supervisor XXXX flat out told my wife we are at fault? XXXX, easy to blame us when you sell junk and you wont honor warrantys. 

She also said the product quality is the manufacturers fault? Ok XXXX, you choose to sell known unsafe products and finance it the. Violate lending and warranty 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 explanation
Consumer complaint received 2025-06-24 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: IN

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/year> I sent EXPERIAN my FTC report, license to dispute fraudulent accounts reporting on my consumer 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 explanation
Consumer complaint received 2025-06-24 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: TX

Complaint narrative:
On XX/XX/year> I sent EXPERIAN my FTC report, license to dispute fraudulent accounts reporting on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMCOL Systems, Inc.
State: SC

Complaint narrative:
I have a medical debt with AMCOL Systems for {$180.00} that went into collections. When I attempted to make a partial payment, AMCOL Systems tried to add a {$4.00} processing fee to the payment amount. 

I did not agree to any such fee when the original medical service was rendered, and AMCOL has not provided any documentation showing this fee was part of the original debt. This fee appears to be a convenience fee for paying online or by phone, which I believe violates the Fair Debt Collection Practices Act ( FDCPA ) by attempting to collect an amount not expressly authorized by the agreement or permitted by law. 

This collection tactic feels deceptive and coercive. I am reporting this because I believe AMCOL is violating federal consumer protection laws by attempting to collect more than is legally owed.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: VA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 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 2025-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Email : XXXX Date : XX/XX/year> To Whom It May Concern : I am filing a formal complaint against XXXX  for its failure to properly investigate and resolve several credit disputes I submitted, in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

On or around XX/XX/year>, I submitted formal disputes to XXXX  regarding the following accounts : - XXXX. XXXX, XXXX {$900.00} - XXXX XXXX XXXX {$720.00} - XXXX XXXX {$1500.00} - XXXX XXXX XXXX  {$1200.00} - XXXX XXXX XXXXXXXX {$20000.00} These accounts contain inaccurate, incomplete, or outdated information, and one or more are scheduled to remain on my credit report until XX/XX/year>, despite my dispute. 

According to FCRA Section 611 ( a ), XXXX  is legally obligated to investigate my disputes within 30 days and correct or delete any inaccurate or unverifiable information. However, to date, XXXX  has failed to provide a proper investigation, resolution, or any meaningful update. 

In addition, I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( a ) ( 1 ), which prohibits debt collectors from contacting consumers at times or places known to be inconvenient. Certain communication attempts related to these accounts have violated this provision, and I have records of such instances. 

I have made every effort to resolve these issues directly with XXXX  and the related debt collectors, but I have received no appropriate remedy. As a result, these unresolved and potentially unlawful actions are continuing to damage my credit profile and financial opportunities. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate XXXX failure to comply with its legal obligations, and take action to ensure my rights as a consumer are enforced. 

Please let me know if further information or documentation is needed. Thank you for your time and attention to this matter. 



Sincerely, XXXX XXXX XXXX Additionally, pursuant to 15 U.S.C. 1692g, I am exercising my right to dispute the validity of this alleged debt. Please provide the following within 30 days : 1. Validation of the debt, including the original creditors name and amount claimed ; 2. A copy of any judgment ( if applicable ) ; 3. Proof of your authorization to collect on this alleged debt. 

Until such validation is provided, you must cease all collection activities. Be advised that continued violations of the FDCPA will be documented and may be reported to the Consumer Financial Protection Bureau ( CFPB ) and/or the Federal Trade Commission XXXX FTC ). I also reserve the right to pursue legal action.

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 2025-06-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Solar Mosaic LLC
State: NY

Complaint narrative:
Follow up with CFPB complaint after Mosaic seemed to have dismissed my concerns about their practices. Date : XX/XX/2025 Subject : Follow-up to Incomplete Resolution Loan Account # XXXX Your complaints Follow -Up Complaint ID XXXX Dear CFPB Complaint Response Team, I am writing to express my continued concern regarding Mosaics response to my complaint and the absence of any meaningful resolution. 
Despite repeated requests, Mosaic has never provided me with a full copy of my XXXX XXXX, either at the time of closing or upon request. Their reliance on a verbal welcome callwithout any written transcript, summary, or verificationfails to meet disclosure requirements under fair lending practices and likely violates consumer protections under the Truth in Lending Act ( TILA ).

I strongly dispute Mosaics attempt to treat this as a resolved matter. It is not.

I respectfully request that the CFPB : 1. Investigate Mosaics compliance with required written disclosures, especially regarding retroactive interest terms ; 2. Examine whether Mosaics failure to provide written terms constitutes a breach of disclosure duties ; 3. Require Mosaic to provide clear documentation that the loan agreement was made available to me prior to interest accrual and promotional period expiration ; 4. Reopen or extend the complaint as unresolved until these requests are addressed. 
Mosaics actions reflect a troubling lack of transparency and accountability, and their continued reliance on undocumented verbal communication as evidence is not only insufficient, but unfair to the consumer. 
Thank you for your continued support and attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am the victim of identity theft, and my personal information has been used without my authorization to fraudulently open and report accounts under my name. Despite multiple disputes and alerts filed with Experian, Equifax, and TransUnion, false and inaccurate informationoriginating from companies such as XXXX XXXX XXXX, XXXX XXXX, Flagship Credit Acceptance, and othersremains on my credit report. 

These accounts are NOT mine. I did not apply for them, authorize them, or benefit from them in any way. They were opened fraudulently and are damaging my credit, livelihood, and ability to obtain fair financial services. I have attached a sworn affidavit, credit reports, and supporting documentation to confirm the fraud. 

I demand immediate action : permanent deletion of all fraudulent accounts, a full investigation under the Fair Credit Reporting Act ( FCRA ), and regulatory consequences for any party that continues to report inaccurate data after being notified. 

I expect the CFPB to hold these furnishers and bureaus accountable for their repeated violations of federal law.

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 2025-06-24 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: TX

Complaint narrative:
XX/XX/year> To : Experian, and Equifax Subject : Formal Dispute Request for Permanent Deletion of Charged-Off Account ( XXXX XXXX XXXX XXXX {$11000.00} ) Dear [ Credit Bureau ] Dispute Department , I am writing to formally dispute the accuracy and validity of the following charged-off account that is currently being reported on my credit file : Creditor Name : XXXX XXXX, XXXX Balance : {$11000.00} Status : Charged-Off I do not recognize this account and have no knowledge of ever conducting business with XXXX XXXX, XXXX. I am disputing this item on the basis that it is either inaccurate, unverifiable, or the result of identity theft or erroneous reporting. 

Applicable Federal Consumer Protection Laws : 15 U.S.C. 1681e ( b ) : The Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies to maintain reasonable procedures to assure maximum possible accuracy. If the XXXX XXXX account can not be fully verified with original signed documentation and a complete payment history, it must be permanently removed from my credit file. 
15 U.S.C. 1681b : This statute outlines the permissible purposes for furnishing consumer credit information. If this account was placed on my credit report without my knowledge or consent, its reporting may violate this provision.

15 U.S.C. 1681i : Requires that credit reporting agencies must reinvestigate disputed information and delete any item that can not be verified within 30 days. 
15 U.S.C. 1681s-2 : Furnishers of information ( e.g., XXXX XXXX XXXX XXXX or its agents ) are required to ensure the accuracy and completeness of the information they report. Failure to do so may constitute negligent or willful noncompliance. 
My Formal Requests : Immediately open a reinvestigation of the XXXX XXXX XXXX XXXX charged-off account. 
Permanently delete this account from my credit report if it can not be verified with full, original documentation and a lawful basis for reporting. 
Provide written confirmation of the outcome of your reinvestigation and all actions taken. 
Block reinsertion of this account unless fully validated in accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

If the account remains on my credit report without proper investigation and legal substantiation, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I will consider pursuing civil remedies under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance. 
Thank you for your immediate attention to this matter. I expect a timely and lawful resolution. 

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 explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase is charging me {$8400.00} on my account ending in XXXX. I didnt even purchase all the items theyre charging me. The last time I checked my account I only owe them {$2100.00}. They brought back the unauthorized transactions on my account and also charged me interest fees and late fees. They kept charging for the transactions I did not even make.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Suttell, Hammer & White, P.S
State: NM

Complaint narrative:
I just got a notice that I am going to be sued for {$9300.00} by XXXX XXXX XXXX for a XXXX card that was taken out in my name. I don't know what to do. I did not sign up for this card or ever use it. 

Date of last payment : XX/XX/year> Balance due : {$9300.00}

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 2025-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XX/XX/year>, Wells Fargo advertised a promotion for the Premier Checking account, stating that new customers who deposited {$250000.00} in new money and maintained the funds in their Wells Fargo accounts for 90 days would receive a {$2500.00} bonus. 

I opened my Premier Checking account in response to this promotion on XX/XX/XXXX, and completed the full deposit of {$250000.00} by XX/XX/year>. As of XX/XX/year>, the XXXX requirement should have been met, no matter how the initial date is calculated. However, I have not yet received the {$2500.00} bonus, nor have I received any communication regarding its status. 

When I contacted the bank during the week of XX/XX/XXXX : * The banker who helped me open the account no longer responds to my emails. 
* Customer service line was unable to provide any information and simply directed me back to the branch. 
* The branch was unable to offer any concrete steps to resolve the issue. 
* The customer service line also failed to provide a clear resolution path. 

I have exhausted all possible avenues available to me and am very frustrated by the lack of support.

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are picture ID, a bill and a letter helping me due to XXXX XXXX  debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items of which only 2 are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hello this compny has reported 30 days late on my reportwhich is not correct. 
plesae remove and update my report. 

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 2025-06-24 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:
There are several inaccuracies on my credit report. I have reached via mail no response has been provided. If the company does not update and correct these records promptly, I will consider pursuing legal action.

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