vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: CBC Companies, Inc.
State: MA

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Ive reached out to Experian credit agency several times. They will not prove to me how they validated this XXXX XXXX XXXX XXXX XXXX XXXX debt. They are defaming me & causing financial hardship due to illegal reporting to my credit report. They are not following FCRA guidelines and need to be investigated.

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: FL

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Early Warning Services, LLC
State: NV

Complaint narrative:
On XX/XX/year>, I submitted a request to Early Warning Services for a copy of my Deposit Score history. I submitted the request via their online form and also faxed it to ( XXXX ) XXXX. The fax was successfully delivered at XXXX XXXX  on XX/XX/XXXX, as confirmed by my fax receipt. 

According to the Fair Credit Reporting Act, consumer reporting agencies are required to respond to such requests within a reasonable period of time. It has now been over XXXX  days with no response, confirmation, or update from Early Warning. 

This delay is preventing me from opening a bank account and handling other financial responsibilities. I am asking the CFPB to intervene and ensure Early Warning Services provides the report I requested and complies with their legal obligations. 

I am attaching my fax receipt to verify timely submission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
I went to the ER and had no services rendered, For XXXX  years I have been dealing with this collection and have been getting harassed constantly to repay this debt that i honestly feel i do not owe. I have told them that this debt is illegal to try and collect on and they continue to harass

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 — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
They have incorrect information about me in their system. It is causing me to not be able to obtain a back account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
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: AZ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This company XXXX XXXX XXXX  is a prepaid trade line Its not a real credit account and I want this removed from my credit. I want this trade line I never ever had an I never ever had a credit line with them off of my credit. This is not a real creditor. XXXX  remove this from our report and I suggest you do the same because Im not gon na stop disputing this. This is the improper use of my report they are mishandling my report And I want this trade line taken down. This is not a credit ACCOUNT its not a real bank. Its a trade line. Its somebody elses credit information on my report Its a trade line its illegal for them to get improper use of my report Equifax removed because of that and I suggest you follow thank you.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
Purchased item from XXXX XXXX from XXXX. XXXX item to local XXXX. Submitted proof item WAS RETURNED and WAS DELIVERED via XXXX XXXX Bank of America. Creditor ( Bank of America ) will not remove charge after proving item was returned.

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
On XX/XX/XXXX I sent {$1200.00} payment to synchrony bank via their online portal. They responded with an e-mail confirmation of having received the payment and they adjusted the account balance to show the {$1200.00} payment. 

On XX/XX/XXXX I sent {$2200.00} payment to synchrony bank via their online portal. They responded with an e-mail confirmation of having received the payment and they adjusted the account balance to show the {$2200.00} payment. 

On XX/XX/XXXX I brought the monthly account statement for XX/XX/XXXX from synchrony bank stating that my remaining balance owed was {$1300.00}. I paid that final balance at the lowes store in XXXX maryland. The store clerk provided me with the printed receipt of payment. 

I am including copies of the XXXX and XXXX confirmation emails from synchrony bank as well as copies of the XXXX statement and the receipt of payment from lowes / synchrony bank. 

In XXXX and XX/XX/XXXX I asked synchrony bank repeatedly to report the account as paid in full and to close the account. Synchrony bank refused to respond often claiming that they could not find the account or that they could not discuss the account if I did not provide them with personal information that was not relevant to the account. 

In XX/XX/XXXX synchrony bank claimed that they did not receive payment in XXXX and XX/XX/XXXX. I called them in attempt to resolve the issue. Synchrony bank claims that my bank ; XXXX XXXX XXXX XXXX ( XXXX  ) rejected the payment for insufficient funds. ( NSF ) XXXX has no record of any NSF payment issues in XXXX or XX/XX/XXXX. If synchrony bank has an NSF issue then synchrony bank is responsible for supporting that claim. 


in XX/XX/XXXX Synchrony bank began re-billing for payment of {$3400.00}. without regard for the fact that documentation shows that they were paid {$3400.00} in XXXX and XX/XX/XXXX. When I try to pay Synchrony bank, they claim that they can't find my account. Synchrony bank allows for no resolution. 

in XX/XX/XXXX Synchrony bank is reporting my account as delinquent despite the fact that documentation shows that the account was paid in full on XX/XX/XXXX Synchrony bank has continued to report inaccurate derogatory claims to my account for the last XXXX months doing great harm to my financial standing at a critical time. I have shown documentation that I paid the account in full on XX/XX/XXXX. I ask again that the account be reported as paid in full and closed immediately without any further delay.

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 — Their investigation did not fix an error on your report
Company: Climb Credit Inc.
State: TX

Complaint narrative:
XXXX Contact the Climb Credit Team Support, advised them I applied for a loan to cover a certification program and was no longer interested in the program and did not need the loan. Also advised them that XXXX  ( certification company I applied through ) forged my signature on the agreement document they sent and I had never signed any documents for them. 
When asked by Climb Credit if I had reached out to XXXX, I provided phone call logs and messages to XXXX customer support showing I was unable to reach anyone. 

XXXX Sent Climb Credit Team Support screenshots of XXXX  admitting they never received my signature on their course agreement documents agreeing to take the loan. Did not receive a response from Climb Credit after this.

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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
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: PENNYMAC LOAN SERVICES, LLC.
State: IL

Complaint narrative:
XXXX, XXXX to verify how much money PennyMac Loan Services , LLC received from me in XX/XX/year> and that is the current outstanding amount of any escrow deficiency as of XX/XX/year> for the property located at XXXX XXXX XXXX XXXX MI XXXX, loan 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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
On XX/XX/year>, I went to XXXX XXXX and financed a XXXX XXXX XXXX ( XXXX ending in XXXX ). I was never pressured to take another vehicle. However, on XX/XX/year>, I discovered that I had unknowingly been driving a completely different vehicle ( VIN ending in XXXX ), which was never registered and never reflected in the loan I signed. I had traveled across state lines with this unregistered vehicle and placed insurance on VIN XXXX, unaware that it was not the vehicle legally tied to my loan. 

On XX/XX/XXXX, I asked for my original signed paperwork from XX/XX/XXXX and was told it had been lost. Instead, I was given XXXX printed pages that raised serious concerns. The total price had been changed, my signature appeared forged, my co-signers signature was completely missing, and the VIN listed was still XXXX. That contract stated the vehicle had XXXX miles, but XXXX XXXX actually had over XXXX miles. It also falsely indicated that I took delivery of XXXX XXXX on XX/XX/XXXX which I did not. 

Despite these inconsistencies, Santander Consumer USA is reporting a loan in my name for {$47000.00} on my credit report. I never signed a valid contract for XXXX XXXX, nor did I agree to the altered terms now reflected in the documents. This is an unauthorized and fraudulent auto loan, and I have asked Santander and the dealership for a legitimate, signed copy of the final agreement. No such document has been produced. 

I am requesting a full investigation and removal of this loan from my credit report if Santander can not provide a valid, signed contract authorizing the terms currently being reported.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating that they are assuming my disputes came from a third party, which is not true. I even called to verify my identity, yet they still refused to process my disputes. I spent money mailing my disputes and provided personal information to verify my identity, only for them to dismiss my request without a proper investigation.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

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: EQUIFAX, INC.
State: NC

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 — Account information incorrect
Company: EQUIFAX, 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 : 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

Company response to consumer: Closed with non-monetary relief