vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: MI

Complaint narrative:
these XXXX tradelines appear on my report XXXX XXXXXXXX XXXXself- XXXX self/lead- XXXX XXXX was closed and paid, but still reports derogatory status. the other reports negatively without my consent or verification. my dispute was ignored or marked " updated '' without proof violations : 15 usc XXXXi- no meaningful reinvestigation 15 usc XXXX ( a ) ( XXXX ) ( a ) - reporting inaccurate or outdated data 15 usc XXXX continued reporting after closure

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA XXXX ( 15 U.S.C. XXXX ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$44000.00} INQUIRIES : XXXX OF XXXX Date : XX/XX/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 2025-08-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: WI

Complaint narrative:
I submitted a debt validation letter to Jefferson Capital Systems regarding a collection account they are reporting on my credit from XXXX XXXX. The only response I received was a generic bill tied to an address I have never lived at. The bill was sent under the name XXXX XXXX, which is my maiden name. I have not used that name legally in over XXXX  years. The bill also lists an address I have never lived at, and Jefferson Capital has failed to show any documentation linking this debt to me as a legal or financial obligation. 

They failed to provide any legal documentation verifying that the debt belongs to me. There was no copy of a contract, no billing history with my legal name and correct address, and no documentation of the debt being legally transferred from XXXX. 

Under FDCPA XXXX ( b ), they are required to validate the debt, and under FCRA XXXX, they must not report unverifiable information to credit bureaus. Despite failing to meet either standard, they continue to report this collection, which is actively damaging my credit. 

This inaccurate collection is preventing me from qualifying for a mortgage and purchasing a home, which is directly impacting my financial stability and my familys living situation. The continued reporting of an unvalidated debt is causing significant and unjust harm. 

I am requesting that Jefferson Capital Systems be required to immediately remove this collection from all credit reports and cease further attempts to collect this unverified debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: CBC Companies, Inc.
State: MD

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 XXXXB of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
In it's response to CFPB Case # XXXX, Citibank indicated that promotional offer would be added to account within XXXX  days of meeting the requirements, which were met on XX/XX/year>, even though documented terms indicated it would be paid within XXXX  days. Despite waiting the XXXX  days, in violation of the original terms, Citibank has still not paid the promotional offer, yet another breach of contract. 

Additionally, on XX/XX/year>, I provided the requested documents to open a business account, also subject of the CFPB Case # XXXX, however, to date, there has been no communication regarding the status of this application and the associated documentation.

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 2025-08-07 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:
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 XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXXXXXX 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 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 2025-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
I am selling my house and the closing was supposed to be XX/XX/XXXX. My attorney requested the payoff document and they notified the attorney that I had a previous XXXX modification agreement that I needed to pay back the deferred amount minus the capital improvement money that was put into the house since the XXXX  amendment. My attorney sent over a package of XXXX  XXXX that included invoices, receipts and photos. PHH Mortgage said they would send to their payoff team to recalculate the payoff amount. They took XXXX business days to respond ( making me postpone the closing 5 times ). When I finally got a response they deducted XXXX although they calculated the amount to {$13000.00}. They said that the money was deducted from the shared savings but not the deferred rate. But the contract language states the shared savings is null and void if the appraisal value is higher than 25 % and defaults back to the deferred amount. XXXX. They are supposed to reduce the XXXX minus the {$13000.00} and they are not. The contract language shows thats how its supposed to be calculated. Im threatening legal action at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX 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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is not a mistaken complaint. My credit report contains inaccurate information that does not meet the standard of maximum possible accuracy as required under the Fair Credit Reporting Act ( FCRA ). These errors are severely affecting my financial well-being and causing significant personal stress during an already difficult time.

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 2025-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am enrolled in Synchrony Banks Payment Security Plan for my PayPal Mastercard, which promises to cancel payments in the event of involuntary unemployment. I filed a claim after losing my job and provided the required documentation proving my unemployment, including a separation notice and state unemployment benefits letter.

However, Synchrony is making me jump through excessive hoops not stated in the terms and conditions of the program. They are now demanding a letter from a staffing agency confirming I am actively looking for work. There is no language in the Payment Security agreement that requires a claimant to prove active job search in order to qualify for unemployment benefits. The policy terms only require that I demonstrate I am unemployed due to no fault of my own, which I have already done.

This added requirement is arbitrary, misleading, and not disclosed in the official terms. It feels like a bad faith attempt to deny or delay benefits I am entitled to under the agreement. Their vague claim that they may request additional documentation does not justify requirements that go beyond the policy 's defined eligibility criteria.

I contacted Synchrony to ask for a more specific explanation of what they needed and what to do, because the employment agency I am a part of does not have a website I can screenshot to show my last login which is what they initially asked for. Instead, I provided a formal letter from the staffing agency confirming that I am a current candidate as of XX/XX/year>. Despite this, they are still insisting on documentation that simply does not exist for this or any agency for that matter. 

I am requesting that the CFPB investigate this practice and ensure Synchrony honors its contractually stated obligations under the Payment Security Plan without introducing extraneous hurdles after a claim has been submitted.

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 2025-08-07 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

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 FTC Report Number : 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. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
Closed on home XX/XX/XXXX, within days notified VA and lender that home has issues and doesnt meet VA minimum property requirements. Move family out due to mold and other hazards, stay at residence with pets, XXXX pets die from mold. 

Find rental and had explained to lender VA XXXX failed duties and hadconflict of interest, lender refused to assist or provide VA appraiser insurance information or go after appraiser for job failure.

Cant pay mortgage while also paying rent, never make mortgage payment, not wven one. Lender seizes home in XXXX and denies having seized it and changing locks until proof is sent, finally admit but still dont foreclose. 

Lender begins filing false insurance claims, including for hail damage to roof, backdated to before XXXX. Lender hasnot started foreclosure process, has continued to charge fees for maintainence despite not properly maintaining the residence, and the insurance is going out so tgey are goung to pick their own and begin adding to the debt. 

I acted in good faith from onset, informing them of the issues and my course of action. Not once did they assist and they have still not foreclosed despite being asked repeatedly, including by VA reps on my behalf. 

I gave information, including that the XXXX failed duties while having active conflict of interest. Lender still hasnt allowed pick up of belongings despite request. XXXX seized home over XXXX  months ago and have only sat on it. 

They had ample opportunity to work with me, take action against the XXXX and other " professionals '' that lied to us ; I have evidence and freely offered it to lender, same as it was offered to insurance to disprove the lender claim of hail damage. If i could afford an attorney this wouldve been a fast case : lender is fully aware of issues and XXXX problem but did nothing. Now they see the state of the property and dont want it, just keep adding fees, and generally ignoring the property while further ruining my credit. 

I was lied to by professionals, had law violations with XXXX and informed lender, and still they said it was my problem. It's their problem, made clear I have no use for the house and that the situation has bankrupted me while ruining my credit. Now the lender is filing insurance claims in my name and letting the property fall apart.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am submitting this complaint to Equifax regarding identity theft and inaccurate credit reporting across all three credit bureaus. Attached is an official FTC Identity Theft Report documenting fraudulent activity on the consumers credit file.

The consumer has only one legal name and one verified address, yet the credit files reflect multiple incorrect names and addresses. In addition, there are unauthorized accounts, including auto loans and a utility account, that were fraudulently opened without consent. These are not his debts and must be immediately removed from his credit reports. 



Despite attempts to correct these errors through standard dispute channels, the inaccurate data remains. We request that each bureau conduct a full reinvestigation under the FCRA, remove all fraudulent accounts, and correct all personal identifying information. 



Supporting documentation is attached, including the FTC Identity Theft Report and a signed statement of identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: CA

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  XXXX ] Account Number : [ 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 2025-08-07 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 a victim of identity theft. Someone used my information to obtain goods without my knowledge or 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 2025-08-07 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:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-08-07 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: FL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to dispute fraudulent information that appears on my credit report pursuant to 15 U.S.C. 1681c-2, and to formally request that this information be blocked or removed. I am including a copy of my identity theft report issued by the Federal Trade Commission ( FTC ) XXXX  as supporting evidence for my claim.

According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block or delete any information identified by the consumer as resulting from identity theft within four ( 4 ) business days. 
The following information on my credit report is the result of identity theft and must be blocked XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As outlined in 15 U.S.C. 1681c-2, I am formally requesting that this fraudulent information be blocked or removed immediately from my credit report. This information should remain blocked for a period of one year, after which I may request an extension. During this time, no fraudulent data should continue to appear in my file.

I have contacted the credit bureau reporting these fraudulent accounts multiple times, and they have failed to provide me with an effective resolution. This situation is severely affecting me and feels like a never-ending cycle. I do not understand how these accounts can still be reported as mine when I have already proven otherwise. 
Please help me by removing these accounts immediately. I am including my FTC report again, hoping that you will make a better and fairer decision in my case. Thank you for your attention.

Company response to consumer: Closed with explanation