vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 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: KS

Complaint narrative:
Dispute of Inaccurate Charge-Off Reporting Dear CFPB, I am writing to formally dispute the accuracy and legitimacy of a charge-off account currently appearing on my credit report. I believe this entry is either inaccurate, incomplete, or in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and/or Fair Debt Collection Practices Act ( FDCPA ). 

Details of the Account in Dispute : Creditor : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Charge-Off Amount : {$16000.00} Reported Date of Charge-Off : XX/XX/XXXX Reasons for Dispute : [ Select all that apply or explain your specific issue. ] Account was charged off but 1099C was never sent by the creditor.

The information on my credit report is inaccurate.

The creditor failed to validate the debt when requested.

The amount reported is inaccurate or inflated with unauthorized fees or interest.

I have contacted [ the creditor/collection agency ] regarding this issue but have not received a satisfactory resolution. Therefore, I am requesting that the CFPB investigate this matter further and require the furnisher and/or credit reporting agency to provide proper verification or remove the inaccurate charge-off from my credit report.

Supporting Documentation Attached : Copy of credit report showing the disputed charge-off [ Any communication with the creditor ] [ Proof of payment, identity theft report, etc. ] I respectfully request your assistance in resolving this issue in accordance with applicable laws. Thank you for your time and attention. 

Sincerely, 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 2025-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-07-31 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: MS

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: AZ

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX Date : XXXX/XXXX/24

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 2025-07-31 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: VA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Westlake Services, LLC
State: VA

Complaint narrative:
Hello. I have tried to have a charged off debt by westlake financial through the all credit bureaus but they will not remove it because they westlake keeps reporting as accurate even though it is charged off. I never received a 1099 for the charged off amount. I need you help in having them this matter resolved. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently discovered an account on my credit report that I never opened or authorized. This account is fraudulent, and I demand its immediate deletion from my record. Please confirm the results of your investigation.

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 2025-07-31 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: FL

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 2025-07-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I signed up for the American Express Delta SkyMiles XXXX XXXX with the understanding that I would receive XXXX bonus miles after spending {$5000.00} within the first 6 months. I applied for the card in XX/XX/year>, paid the {$350.00} annual fee, and reached the {$5000.00} spending threshold by XXXX. 

I waited for the bonus miles to be deposited into my Delta SkyMiles account. After not seeing them post, I contacted American Express and was informed that the miles would be credited within XXXX weeks of meeting the spending requirement. That timeline would place the latest expected date in XXXX. 

Now, in late XXXX, the bonus miles still have not been credited. I contacted American Express again this month, and they informed me this is part of a system-wide issue affecting all customers who signed up under this promotion. They were unable to provide a timeline for resolution. 

I believe this delay in fulfilling the terms of the promotional offer is unacceptable. Im requesting that American Express credit the XXXX bonus miles as promised or provide equivalent compensation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: SC

Complaint narrative:
Despite my previous efforts, inaccurate accounts continue to appear on my credit report and remain uncorrected. I respectfully ask that you carefully examine the documents Ive submitted to ensure this matter is resolved once and for all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Synovus Bank
State: FL

Complaint narrative:
I want to report Synovus Bank for stealing money from their clients through the non-sufficent fees. This is not the first time this happens. Another time, I was refunded the fees, which is why this time, they can not refund the fees. But this is not the consumer fault. Synovus bank is taking advantage of these actions to steal from consumers. 

My account was at {$3.00} after all transactions had cleared, when a transaction came pending for {$99.00}. I was charged 4 times {$36.00} for non-sufficient fund, with a total of {$140.00}. 

The transaction for {$99.00} should not have been processed because I have a feature in my account to not process any transaction if there aren't enough funds, and decline these transactions. I even did a transfered through XXXX for {$100.00} that was deposited instantly to cover for this transaction of {$99.00} that was still pending. 

I have pictures from the bank portal to confirm my allegations. Three pictures that shows that my account had a positive balance all along.

I would like, aside from a refund of the 4 transaction fees, a complete review of this bank 's measurements of accessing fees.

Banks can not continue to deliverably steal from its concumers.

Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WestGen Lending, a DBA of Beckam Funding
State: OR

Complaint narrative:
On XX/XX/year> GenWay Home Mortgage removed {$3300.00} from our escrow account. 

I spoke to multiple customer service agents on calls I was informed were being recorded. 
I was told by different agents this should not have happened and the funds should not have been removed. 
I was told a request to return the funds had been submitted. 

Now as of XX/XX/year>, my loan has been transferred to XXXXXXXX XXXX XXXXXXXX. 

They have no record of the missing escrow funds, and nothing in their notes from GenWay stating any info or issues with our account. 

I still haven't received the money taken and now since my phone is connected to GenWays automated customer service, I only hear a message telling me to contact my new lender, no options to speak to an agent are offered and if I remain on the line too long I'm disconnected instead of transferred. 

I have tried to resolve this issue with both companies to no avail, and would very much like some assistance.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Messerli & Kramer P.A.
State: MN

Complaint narrative:
In XX/XX/year>2025 I received a garnishment exemption letter from Messerli |Kramer at that time my funds was still exempt from being taken. 

In XX/XX/year>2025 I received a letter from my employer about a garnishment of my wages, however I'm still exempt at this time. 

On XXXX XXXX XXXX email Messerli | Kramer an attached exemption form. I also emailed my employer my employer was the only one to respond to that email with confirmation that they received the letter. I've called Messerli | Kramer on XX/XX/XXXX there was no answer. 

On XX/XX/year>2025 Messerli | Kramer took {$130.00} of my pay On XX/XX/XXXX they took {$130.00} of my pay On XX/XX/XXXX they took {$110.00} of my pay All of these payments are exempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-07-31 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: NH

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 2025-07-31 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: NH

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am submitting this letter as a formal dispute regarding the bankruptcy that is currently being reported on my credit file. I have reviewed my records and obtained official documentation from the court, which clearly confirms that this bankruptcy should not be reported to any credit reporting agencies. The presence of this information on my report is not only inaccurate, but also misleading and damaging to my credit profile. To make matters worse, it appears that an unauthorized third party may have been involved in this situation without my knowledge or consent. This unauthorized involvement raises serious concerns about the integrity and security of the information being reported, and I am requesting a thorough review and immediate correction of this error.

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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 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 2025-07-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: SIMMONS FIRST NATIONAL CORPORATION
State: AR

Complaint narrative:
XX/XX/year> {$3000.00} was stolen out of my Simmons XXXX  savings account and sent to XXXX. 
XX/XX/year> {$5000.00} was stolen out of my Simmons XXXX  XXXX account and sent to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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 am writing to dispute an inaccurately reported late payment on my credit report. According to my records, I have consistently made on-time payments to this account and do not agree with the delinquency status currently listed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-07-31 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:
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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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