vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
A Verizon credit card was hacked by someone who add XXXX different bank accounts to the account. The then ran the XXXX XXXX the XXXX dollar limit. I have explained several times to the cc company I dont know whos banks they have listed and some check they received wasnt from me and of course it was fraudulent check.

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 2025-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: De Lage Landen Finance, LLC
State: TX

Complaint narrative:
To Whom It May Concern : Early during the loan period with De Lage Landen Financial Services , Inc. (

DLL ), I discovered that their ACH feature was programmed to pull the full statement balanceeven when that balance included erroneous or unjustified charges. To prevent overpayments, I began mailing payments manually 10 days before the due date. My attached records show that these payments were consistently received and cashed by DLL on time. However, due to the continued risk of postal delays, I recently transitioned back to DLLs ACH auto-draft option. Upon doing so, DLL immediately pulled the regular monthly lease payment along with an unwarranted late fee, despite the fact that no payment was actually late. This late fee had not been disclosed, explained, or validated. I believe this institution is negligent in its ACH billing processes, using them in a way that systematically withdraws more than is owed, enriching the company at scale. When consumers catch these errors, DLL representatives typically apologize and refund the late feebut any interest, float, or
financial benefit earned from holding those excessive funds remains with the institution. This pattern creates a perverse incentive to continue overdrawing accounts and retaining unjust earnings unless and until customers notice and complain.

This leads me to file a formal complaint against DLL for what appears to be a systemic pattern of negligent and possibly abusive billing practices : Late fees are regularly assessed without basis, and automatically included in electronic drafts. No proactive correction is made, even when payment history proves timeliness. Refunds are reactive and discretionary, placing the burden on the customer to monitor and challenge every invoice. DLLs billing system, ACH controls, and internal practices appear designed to maximize revenue through fee harvesting, rather than ensuring fair and accurate billing.

I request that the Consumer Financial Protection Bureau conduct a full regulatory audit of DLLs lease servicing and billing practices to evaluate whether they are engaging in : 1. Unfair, deceptive, or abusive acts or practices ( UDAAP ) in violation of 12 U.S.C. 5531.
2. Improper ACH withdrawal practices, including knowingly drafting erroneous balances.

3. Systemic failure to refund improperly assessed fees and associated gains.

4. Revenue practices that unjustly enrich the company at the expense of small businesses.

I am prepared to provide contracts, invoices, ACH records, and communications in support of this complaint. DLLs conduct undermines consumer confidence, exposes lessees to undue financial risk, and violates principles of fair dealing that should govern all financial institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: NY

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Credit Karma, LLC
State: GA

Complaint narrative:
XX/XX/XXXX I logged into my Credit Karma account read over the loan offers that were available to me. I selected the offer that fit my needs which was a {$3500.00} UNSECURED loan through XXXX XXXX with a guarantee approval or receive {$50.00}. I applied for that specific loan. I was then approved for an offer I DID NOT apply for. It was for {$25000.00} secured loan. Something that was to far off from what I actually applied for. I contacted the company and was told, I DID NOT GET APPROVED FOR THE {$3500.00} LOAN I APPLIED FOR, BUT THEY WERE OFFERING APPROVAL FOR A LOAN OF {$25000.00} SECURED LOAN, SOMETHING I DID NOT APPLY FOR. I was not interested in something I DID NOT APLLY FOR. They said I would get a denial letter and an email for the loan I did apply for but was denied. I reached out to Credit Karma not once, not twice but MULTIPLE times letting then know I had been denied for the LOAN I APPLIED FOR, however everytime I contacted them my emails and live chat was treated with less than quality service, urgency, concern, and professionalism. I was told by Credit Karma via a automated email reply that my application was still " open and pending with XXXX XXXX '' which was not only incorrect but in accurate. Credit Karma has since, continued to reply to my emails with THE SAME EXACT COPY AND PASTE AUTOMATED EMAIL RESPONSE, which let 's me know just what I suspected, I've been deceived, scammed, and mislead by their approval guarantee or get {$50.00} advertised on the loan offer I APPLIED FOR. They do not reply to my emails, nor acknowledge my concerns. I have forwarded them emails from XXXX stating the application is closed, it was denied and I have do this multiple times within the last two months, Credit Karma has done nothing but replied with those auto copy and paste emails that gives me no insight or a resolution or confirmation of my guarantee {$50.00}. They have scammed me and they are attempting to get away with it. There are tons of forums online with multiple people with the same concern. This is unexceptable. I entrust Credit Karma with my person information but after this I see that they are no better than the scammers I try to protect myself from everyday. It sounds like fraud, false advertising and an overall scam. I have all the documents to prove my claim and will submit in this complaint is it allows me to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-11 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: EdFinancial Services
State: FL

Complaint narrative:
An unknown entity has stolen my credentials and has created a bill for what appears to be education. There are XXXX entries on Experian credit report website. The person in the fraud department recommended that this be reported and a copy attached to my complaint to you. EDFINANCIAL SERVICES LLC has XXXX entries. I never had any education debts. My fathers XXXX XXXX XXXX  XXXX allowed me to go to school under provisions for a program through the Veterans Administration which covered any education past XXXX XXXX. There is XXXX other entry for a medical bill which states potentially negative reporting. I have received a letter for excusing me for an emergency room visit several years back but they recently opened a case. Can I get a copy of my report to you to upload to XXXX XXXX XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: CA

Complaint narrative:
I am a victim of identity theft. My personal information was fraudulently used to open unauthorized accounts, generate illegitimate inquiries, and add inaccurate names, addresses, and tradelines to my credit profile.

I submitted a formal FCRA 605B identity theft block request to Equifax including all supporting documentation : my government ID, proof of address, FTC Identity Theft Report, and a list of fraudulent data.

Under FCRA 605B, the credit bureau is required to block the information within four ( 4 ) business days. [ Insert Bureau Name ] has failed to comply, failed to respond, or failed to block the disputed data, putting me at risk of further financial harm.

I am requesting that the CFPB enforce full compliance with 15 U.S.C. 1681c-2 and ensure the fraudulent data is permanently removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: IN

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: MA

Complaint narrative:
I, XXXX XXXX, request the method of verification under 15 U.S.C. 1681i ( 7 ) for all listed disputes. These include inaccurate addresses, unauthorized inquiries, and unverifiable accounts from entities such as XXXX XXXX XXXX XXXX, and XXXX. Per FCRA and FDCPA laws, if these items can not be fully verified with supporting documentation and proper procedures, they must be deleted immediately. Please send verification details within 15 days or remove the items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am writing to formally dispute a negative item that has been reported on my credit report, which I believe is inaccurate and does not belong to me. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to dispute any information on my credit report that I believe is incorrect or incomplete, and to have such items investigated and corrected or removed if found to be inaccurate. Please conduct a thorough investigation into this matter, and if your investigation confirms that this item is inaccurate or does not belong to me, I request that it be permanently removed from my credit report in accordance with the FCRA. Furthermore, I request that you notify all credit reporting agencies to which this negative item has been reported to ensure its prompt removal. Thank you for your prompt attention to this matter. I look forward to your swift action in correcting my credit report and ensuring that my credit history accurately reflects my financial conduct. Best Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: MI

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 explanation
Consumer complaint received 2025-06-11 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:
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 2025-06-11 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:
I recently reviewed my credit report and noticed several fraudulent accounts on my report. Please remove these accounts from my report as it is hurting my ability to obtain credit and employment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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:
Please be advised that certain accounts listed on my credit file were fraudulently opened without my knowledge or consent. I demand that these be investigated and removed in accordance with 15 U.S.C. 1681g. Enclosed you will find supporting evidence. I expect resolution within 15 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On XXXX XXXXXXXX i opened an online acct the nxt day i deposited a tax refund check XXXX XX/XX/XXXX i received my debit card in the mail XXXX i received a email saying the hold was lifted from my check and that XXXX was deposited into my account then the next morning XXXX i received a email that my acct was 8665. I check my account its there but i can't use it i called customer service they told me i had to wait til Tuesday to talk to customer because of the holiday which i didn't understand because im calling them and talking to them in person on Thursday Friday and Saturday of regular business days. So i talked to a supervisor that Tuesday he told me my acct was forced closed and that my check was cashed jus my account was closed he told me i can go get my money from the bank when i went back to the bank i gave them my id and they verified my phone number and address the lady was rude to me once i proved who was she told me theres no money in my acct i showed her on my tablet that the acct says my money is in there she said i had to wait 14 business days to receive my cashiers check which has passed but i found out today the reason im going thru is because i was judge on how i looked and what i dont have i was discriminated by my own race i was judge cause i dont have a phone i use a tablet and because of the way i look i found out this from the supervisor over the bank this is Huntington bank in XXXX Michigan

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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