vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I recently discovered that Carecredit ( per their representatives ), closed my account in 2021 and replaced it with a Synchrony Mastercard. This was without my knowledge or consent. Further, out of nowhere ( without a purchase ), a {$500.00} balance hasrecently appeared on the Carecredit card they supposedly closed. Meanwhile, I ONLY WANTED ONE ACCOUNT THROUGH CARECREDIT. Well, apparently the old card/account rose from the dead IN ORDER TO get me to pay {$500.00} for which I did not purchase an item or service. 

I want an apology and my accounts to reflect a XXXX  balance as it should. Then, I want all their accounts closed. I do not want this to affect my almost perfect credit score which is currently about XXXX if someone does not STOP THEM.

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 2025-10-01 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: CA

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 explanation
Consumer complaint received 2025-10-02 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: SC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The inclusion of this late payment is incorrect, as I have always paid on time. I kindly ask for its immediate removal and for my account to be properly updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: NE

Complaint narrative:
I contacted Netnet yesterday to inquire about an Income based repayment plan. I was told I would need to provide my income as well as the income from my husband since we file jointly. Heres the problem, my husband has his own loans as well and when I asked if they would count both incomes toward an income driven plan of his they confirmed yes. How is this ethical? They are counting our income 4 times, but we sure arent getting paid double. Why isnt it my income for mine and his income for his? If we file separate we will have a huge tax liability for doing so. Do we really have to get a paper divorce to make our student loans manageable?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: MN

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: FL

Complaint narrative:
Please, I'm completely desperate! My credit report is a disasterit 's showing multiple fraudulent accounts that I never opened, never authorized, and have absolutely nothing to do with! This isn't just a mistake, this is identity theft, and it's destroying my peace of mind and causing serious problems. I feel helpless and overwhelmed by all of this, and I never agreed to any of it. I need this nightmare to end now. The false accounts on my report are : XXXX - Personal Loan - Opened on XX/XX/XXXX XXXX - Personal Loan - Opened on XX/XX/XXXX I feel totally helpless knowing criminals have used my information, and I never agreed to any of this. My peace of mind is gone. I am a victim, and these fake accounts need to be taken off my report right now.

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 2025-10-01 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: Early Warning Services, LLC
State: CA

Complaint narrative:
I am a victim of identity theft. Early Warning Services is reporting fraudulent accounts and false addresses under my Social Security number that I did not authorize, open, or reside at. 

On XX/XX/year>, I sent EWS a formal FCRA 605B demand letter via certified mail and email, along with proof of identity and residence. By law, under 15 U.S.C. 1681c-2, EWS is required to block and delete fraudulent information within four ( 4 ) business days. 

Despite this, EWS continues to report false and damaging information tied to accounts at XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX, and XXXX  XXXX XXXX, associated with addresses where I have never lived. 

This failure constitutes a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: MS

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 explanation
Consumer complaint received 2025-10-01 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: PA

Complaint narrative:
My credit report contains incorrect personal information, which has allowed unknown and inaccurate accounts to appear under my name. I am a victim of identity theft, and my personal information was used fraudulently to open accounts with which I have never been associated. As instructed by Equifax, I filed and submitted an FTC Identity Theft Report. Despite this, the fraudulent items continue to remain on my credit report, causing serious harm to my credit profile and financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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:
I formally dispute items in my credit profile linked to accounts unauthorized by me. Kindly review comprehensively and remove them. Documentation is attached for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: AL

Complaint narrative:
I am filing this complaint because LexisNexis Risk Solutions has failed to comply with the Fair Credit Reporting Act ( FCRA ) regarding my multiple requests for a security freeze on my consumer report. 
On XX/XX/year>, I mailed a certified letter requesting a security freeze. USPS tracking confirms delivery on XX/XX/year>, at XXXX p.m., signed for by LexisNexis staff. 

On XX/XX/year>, I submitted an online request through LexisNexis portal, which confirmed Your request has been successfully submitted. When the security freeze is in place, a confirmation letter with a PIN will be mailed to you by USPS. Case Number : XXXX. No confirmation letter or PIN has ever been received. 

On XX/XX/year>, I called the LexisNexis Consumer Center and provided full identifying information ( name, date of birth, SSN, address, phone number ). I was assured the freeze would be processed, but I have still not received any confirmation. 

As of XX/XX/year>, LexisNexis has failed to send any written confirmation or PIN, violating the FCRA, which requires freezes to be placed within 1 business day ( phone/online ) or 3 business days ( mail ), with confirmation within 5 business days.

I am requesting immediate placement of the security freeze, issuance of the PIN, and a written confirmation letter sent by USPS. 

I have retained copies of all correspondence, including USPS proof of delivery, online submission records, and call logs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXX Subject : Formal Dispute under the Fair Credit Reporting Act ( FCRA ) Request for Comprehensive Correction, Removal of Unauthorized Inquiries, and Credit Score Adjustment Dear Sir or Madam : I hereby submit this formal dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding multiple inaccuracies and irregularities in my credit reports that constitute violations of accuracy and investigation requirements. 

XXXX. Unauthorized Credit Inquiries My reports reflect hard inquiries that I never authorized, made by the following entities : XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX de XXXX XX/XX/XXXX None of these inquiries were authorized by me. Under the FCRA, every hard inquiry requires prior, specific consent. I demand their immediate deletion. 

XXXX. Expired Inquiries The inquiry by XXXX XXXX  XXXX XX/XX/XXXX must be deleted, as it has already exceeded the two-year legal reporting limit under 15 U.S.C. 1681c ( a ) ( 5 ).

3. Improper Reporting of Student Loans My reports continue to list loans with the U.S. Department of Education, even though they have already been reported for the maximum legal term. While the debt remains valid and current, its continued reporting is unlawful and violates consumer protections. I demand immediate deletion. 

4. General Inaccuracies False late payments, when my record is 100 % on time. 
Reporting of a delinquent account that does not exist. 
Negative reporting of XXXX XXXX XXXX, despite nearly XXXX ( XXXX ) years of current accounts. 
Unauthorized inquiry by XXXX de XXXX XX/XX/XXXX. 

XXXX. Evidence XXXX XXXX  XXXX XXXX I enclose the credit denial letter from XXXX XXXX, XXXX, dated XX/XX/XXXX, which proves that my application was denied based on negative items reported by the bureaus, including alleged delinquent accounts, excessive consumer finance accounts, and account age factors. These claims are false, outdated, and have caused direct financial harm. 

Legal Demand Pursuant to 15 U.S.C. 1681e ( b ) and 1681i ( a ), I demand : 1. Immediate removal of all unauthorized and expired inquiries. 
XXXX. Deletion of improper reporting of student loans. 
XXXX. Elimination of all inaccurate and obsolete accounts, including the false delinquent account and XXXX XXXX XXXX negative entry. 
XXXX. Comprehensive correction of my credit report. 
XXXX. XXXX of my XXXX XXXX to a fair and accurate level, reasonably reflecting XXXX or higher. 

Failure to comply will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and legal action under 15 U.S.C. 1681n and 1681o. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS
State: PR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXX Subject : Formal Dispute under the Fair Credit Reporting Act ( FCRA ) Request for Comprehensive Correction, Removal of Unauthorized Inquiries, and Credit Score Adjustment Dear Sir or Madam : I hereby submit this formal dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding multiple inaccuracies and irregularities in my credit reports that constitute violations of accuracy and investigation requirements. 

XXXX. Unauthorized Credit Inquiries My reports reflect hard inquiries that I never authorized, made by the following entities : XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX de XXXX XX/XX/XXXX None of these inquiries were authorized by me. Under the FCRA, every hard inquiry requires prior, specific consent. I demand their immediate deletion. 

XXXX. Expired Inquiries The inquiry by XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX must be deleted, as it has already exceeded the two-year legal reporting limit under 15 U.S.C. 1681c ( a ) ( 5 ). 

XXXX. Improper Reporting of Student Loans My reports continue to list loans with the U.S. Department of Education, even though they have already been reported for the maximum legal term. While the debt remains valid and current, its continued reporting is unlawful and violates consumer protections. I demand immediate deletion. 

XXXX. General Inaccuracies False late payments, when my record is 100 % on time.

Reporting of a delinquent account that does not exist. 
Negative reporting of XXXX XXXX XXXX, despite nearly ten ( 10 ) years of current accounts. 
Unauthorized inquiry by XXXX de XXXX XX/XX/XXXX. 

XXXX. Evidence XXXXXXXX XXXX  Denial Letter I enclose the credit denial letter from XXXX XXXX, XXXX, dated XX/XX/XXXX, which proves that my application was denied based on negative items reported by the bureaus, including alleged delinquent accounts, excessive consumer finance accounts, and account age factors. These claims are false, outdated, and have caused direct financial harm. 

Legal Demand Pursuant to 15 U.S.C. 1681e ( b ) and 1681i ( a ), I demand : 1. Immediate removal of all unauthorized and expired inquiries. 
XXXX. Deletion of improper reporting of student loans. 
XXXX. Elimination of all inaccurate and obsolete accounts, including the false delinquent account and XXXX XXXX XXXX negative entry. 
XXXX. Comprehensive correction of my credit report. 
XXXX. XXXX of my XXXX XXXX to a fair and accurate level, reasonably reflecting XXXX or higher. 

Failure to comply will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and legal action under 15 U.S.C. 1681n and 1681o. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
I have a called multiple times, to ask why my auto pay was stopped. They never gave me a notice that is was stopped. They added fees to seem like I owe them but I have always paid what was due. My wife filed for XXXX  but isn't on the mortgage. I have not filed XXXX. Her lawyer also stated they shouldn't have prevented my to pay with auto pay. I feel like they are trying to make me late on payments or take my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: KY

Complaint narrative:
I have made multiple attempts to obtain documentation from Huntington Bank regarding my account, yet I have not received any responses to date. My efforts have included numerous phone calls as well as the submission of certified letters specifically requesting the necessary records and supporting information. Despite these repeated efforts, Huntington Bank has failed to acknowledge or provide any of the requested materials. 

Although the account in question has been formally closed, the bank continues to reflect an outstanding balance, list a line of credit, and assess additional interest charges as though the account were still active. This practice is highly illegal, as it creates the appearance of a continuing financial obligation on an account that should no longer be accruing any charges. 

The absence of communication from Huntington Bank has made it impossible to resolve this matter in a timely and appropriate manner. I have not received a single acknowledgment, explanation, or set of documents in response to my certified correspondence or verbal inquiries. This lack of response not only prevents me from understanding the basis of the reported balance and charges, but it also raises serious questions about the accuracy and validity of the information being maintained and reported by the bank. 

At this stage, the issue remains unresolved solely due to Huntington Banks failure to provide the requested documentation or to respond to my multiple communications. The continuation of interest charges on a closed account is inappropriate, and the lack of transparency has left me with no alternative but to escalate this matter further.

Company response to consumer: Closed with explanation