vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 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: NC

Complaint narrative:
I am disputing inaccurate and unverified information Experian is reporting on my credit file. Experian has continued to report information that I believe is inaccurate, incomplete, and not properly verified, despite my rights under the Fair Credit Reporting Act. 

Charged-Off Accounts Experian is reporting the following charged-off accounts : XXXX XXXX XXXX ( Account ending XXXX ) Date opened XX/XX/XXXX Balance {$10000.00} XXXX XXXX ( Account ending XXXX  ) Date opened XX/XX/XXXX Balance {$4300.00} I dispute these accounts because Experian has not provided documentation proving the accuracy of the balances, ownership of the accounts, or the charge-off status. Without proper verification, these accounts should not be reported. 

Inquiries Experian is reporting inquiries that I do not recognize or authorize : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) I did not provide permissible purpose or written authorization for these inquiries. I am requesting proof of authorization or immediate removal. 

Late Payments Experian is reporting late payments on : XXXX XXXX ( Account ending XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX ( Account ending XXXX ) These late payment remarks are disputed as inaccurate and unverified. Experian has failed to demonstrate compliance with the FCRAs accuracy and reinvestigation requirements. 

I am requesting deletion of any information that can not be fully verified.

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 2025-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CMG Financial Services, Inc.
State: OR

Complaint narrative:
My XXXX credit score was originally XXXX and is now currently XXXX. I have never missed or been late on payments, and I still pay my mortgage payment till this day and have a current account with CMG. Below is information currently on my credit report, I'm still with CMG and have never went to another lender Account Closed CMG MORTGAGE account was closed Account Information Changed Remark code added to CMG MORTGAGE account Between XX/XX/year> and XX/XX/year>, the following remarks were added to this account : Transferred to another lender Transferred to another lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
In XX/XX/year>, I began receiving communications from Synchrony Bank that indicated a XXXX XXXX provisioning event had occurred on my credit account. On XX/XX/year>, Synchrony sent me an email stating Congratulations on adding your Synchrony Credit account to your XXXX XXXX, and invited me to complete a survey about the experience. I did not add my account to any XXXX XXXX, nor did I authorize anyone else to do so. I do not use any XXXX XXXX services. This email could only have been triggered by a successful provisioning event within Synchronys system. 
Prior to receiving this email, Synchrony repeatedly told me that no unauthorized access or provisioning attempts had occurred. The XX/XX/XXXX email directly contradicts those statements and indicates that Synchronys investigation was incomplete or inaccurate.

I requested the provisioning logs from Synchrony, including device information, IP address, tokenization records, authentication method, and timestamps. Synchrony did not provide any of this information. Instead, they maintained that no unauthorized activity occurred, despite their own system generating an email confirming a XXXX XXXX addition that I did not perform. 
This is a privacy and security issue involving unauthorized access to my account and inaccurate information provided to me during the investigation. I am requesting that the CFPB require Synchrony to provide the full XXXX XXXX provisioning logs, correct their inaccurate statements, and address the unauthorized activity reflected in their XX/XX/XXXX communication

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 2025-12-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I've attempted to speak with employees within the banking system. Yet I'm still being discharged as a closed act. Now records can validate over XXXX transferred payments, account number changes, funds transferred out of my account before finalizing deposits are reporting of embezzlement actions that we're being allowed. I am requesting every dime back, a time allotment for this to happen and dissolving my trust in its entirety. With every wire my cell was updated. Your company even changed the account owner information. Yes in court I was awarded that property and maybe your bank. Resulting from the level of fraud. I believe this is a account funds were funneled to since I can supply 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 2025-12-29 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: NJ

Complaint narrative:
I recently reviewed a copy of my credit report and I was shocked to learn that I was a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. Please remove and block these numerous accounts from my credit report immediately.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/year> I went to the XXXX XXXX XXXX, XXXX  XXXX at XXXX XXXX XXXX XXXX XXXX I went to purchase a XXXX XXXX. The purchase was going smoothly and the agent asked If i would like to " re-enroll in the in-store rewards program '' originally declined since I was short on time. The agent assured it would be 2 minutes and it would be quick. The agent convinced me, and I obliged since it should be quick. I followed the on-screen prompts and then was asked for my SSN. Something didnt seem right, I asked the agent why am I being asked this I dont want a credit card but a rewards tier that I had before. He assured me it wouldn't do a credit pull and to ignore it. I verified again a credit pull wouldn't be done and he assured me no. After the SSN the next prompt were to choose from 2 cards which were credit cards, I was not happy and I immediately hit cancel as I dont want a card as I suspected. I thought that would end it and a credit pull wouldnt be done. Well unfortunately I woke up today to an alert from my credit monitoring about a credit pull on my report XX/XX/year>.

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 2025-12-29 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: 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: IN

Complaint narrative:
SEQUIUM is falsely reporting on my credit. I have never had any accounts with them. Per my research SEQUIUM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am demanding the immediate update of my phone number on my credit file. The only accurate phone number that must be reflected is XXXX. Any other phone numbers currently listed are inaccurate and must be removed immediately. Reporting inaccurate contact information violates the Fair Credit Reporting Act, including 15 USC 1681e ( b ), which requires maximum possible accuracy, and 15 USC 1681i ( a ), which requires prompt reinvestigation and correction of disputed information. I expect this update to be completed without delay and written confirmation once my phone number has been properly updated.

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 2025-12-29 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: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

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 2025-12-29 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: NY

Complaint narrative:
I am disputing the following accounts on my Equifax report, as they are inaccurately reported : Charged Off : XXXX  XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$230.00} XXXX  XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$500.00} Inquiries : XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX Late Payments : XXXX, Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. Fraudulent personal information and credit accounts are being reported on my consumer credit reports that do not belong to me. 

Specifically, incorrect addresses were added to my credit file that I have never lived at or been associated with. These fraudulent addresses were then used to open and/or link unauthorized credit card accounts without my knowledge or consent. 

I did not apply for these accounts, authorize them, sign any contracts, or benefit from them in any way. The presence of these false addresses and accounts indicates identity theft and possible file contamination. 

I filed an FTC Identity Theft Report and submitted it to the credit bureaus along with proof of my identity, clearly identifying the fraudulent addresses and fraudulent accounts. Despite this, the credit bureaus and/or furnishers failed to properly block the fraudulent information as required by the Fair Credit Reporting Act ( FCRA 605B ). 

Additionally, the continued reporting of these fraudulent items violates FCRA 607 ( b ) ( maximum possible accuracy ) and FCRA 611 ( failure to conduct a reasonable reinvestigation ). 

I am requesting that the CFPB require the credit bureaus and furnishers involved to : Immediately block and remove all fraudulent addresses Block and delete all unauthorized credit accounts resulting from identity theft Cease reporting these items permanently Provide written confirmation that the identity theft investigation has been completed Correct my credit file to reflect only accurate and verified information This inaccurate reporting has caused financial harm, emotional distress, an ongoing risk of further identity misuse.

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 2025-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
In XXXX  I had gotten sick with my health so i wasnt able to continue the payments on my vehicle I wanted it was so frustrating and so the original financial company that had the contract to my vehicle sold it to another finance company and now they are harassing me and threatening me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
This complaint concerns a XXXX insurance refund in the amount of {$1100.00} USD owed to me by Santander following the cancellation or payoff of a vehicle loan. Santander confirmed that refunds over {$500.00} must be issued via check. 

Despite repeated confirmations that the refund was issued or reissued, I have not received the payment after more than 7 months, and Santander has provided inconsistent and contradictory explanations throughout this period. 

Timeline of Events : XX/XX/year> Santander confirmed they would issue a XXXX insurance refund of {$1100.00} USD via check. 

XX/XX/year> No check received. Santander stated the check was never sent and would be reissued. 

XX/XX/year> Santander stated the check had been issued and should have arrived, but it had not. 

XX/XX/year> Followed up due to communication issues with the prior representative. I was told I would receive a tracking number, which was never provided. 

XX/XX/year> Santander admitted the check had not yet been sent, citing internal issues, and stated it would be issued. 

XX/XX/year> Santander stated the check had been sent, but another representative said tracking numbers are not available for checks and advised me to wait. 

XX/XX/year> No check received. Santander stated it was still within the expected timeframe. 

XX/XX/year> Santander stated there was another issue with the check and that it would be reissued again. 

XX/XX/year> Santander advised me to wait further due to holiday delays.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
In early XXXX Congress enacted a new bill that restarted collection efforts on certain defaulted federal student loans. Without any advance notice to me, the U.S. Department of Educations Debt Management and Collections System ( DMCS ) immediately invoked Treasury Offset and wage garnishment against four old studentloan accounts from the XXXXXXXX school year dating back over 10 years ( Debt XXXX XXXX, XXXX, XXXX and XXXX ). As a result, approximately OVER US {$4000.00} was seized from my paycheck and tax refunds before I had an opportunity to contest the debt. The seized funds were never credited to my balance, and I received no contemporaneous notice or disclosure explaining the legal basis for the offsets or the resumption of collections. 

The surprise garnishment created severe financial hardship. In an effort to protect my rights, I mailed a formal dispute and debtvalidation request to the Default Resolution Group on XX/XX/year>. That letter demanded documentation proving that the loans were legally originated, authenticated by my signature, and that all collected funds were properly credited. It also asked for a halt to collection activity pending resolution. Despite proof of delivery, DMCS has never provided any verification, nor have they accounted for the funds that were seized. Instead, the agency continues to treat the debt as enforceable and refuses to acknowledge that the offsets occurred without proper notice or an opportunity to be heard. 

The Departments conduct violates dueprocess protections under the Fifth Amendment and the Administrative Procedure Act. Treasury Offset regulations permit collection only on legally enforceable debts that are properly certified and not subject to dispute, and the agency must provide notice and an opportunity to contest the debt. In my case, DMCS resumed enforcement under a new statute without notification, seized funds without crediting them, and then failed to respond to my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: TX

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-12-29 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: TX

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with non-monetary relief