vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 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: GA

Complaint narrative:
I am submitting this report to dispute inaccuracies on my credit report. Equifax has acknowledged a system failure that led to my personal information being compromised and misused. Ive encountered credit denials because of this, and Im requesting that it be resolved within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
because they charge for paper bill, I signed up ( I think ) for electronic bill- But did not receive bill as I searched email, spam and trash files. They sent a notice on the XXXX of XXXX ( XXXX due on the XXXX ) They charged a {$30.00} late fee, and refused to remove or discount. They claim they sent notice on the XXXX? but did not have that, and no changes to email

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 monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiries on my credit report.Please dispute and remove listed fraudulent inquiries from my credit report XXXX  XXXX XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NJ

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX 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. 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 : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3300.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$6100.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$520.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$660.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00} INQUIRIES : XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  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. 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 : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX  Date : XX/XX/scrub>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 non-monetary relief
Consumer complaint received 2025-06-23 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: TX

Complaint narrative:
I have noticed that my credit report contains incorrect personal information, which has led to the appearance of an account I do not recognize and have never been associated with. I am a victim of identity theft, and my information was used without my knowledge or consent. Following Experian 's instructions, I filed an FTC Identity Theft Report and submitted all required documentation. Despite this, the fraudulent item is still showing on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: MO

Complaint narrative:
I reached out to Credence RM asking them to validate the alleged debt they say I owe, they received and signed for my letter on XX/XX/year>. I received a letter dated XX/XX/year> that stated it was " Dispute Investigation Response '' that DID NOT include ALL of the documentation that I requested for the alleged debt to be validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: AR

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: AR

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 1. XXXX XXXX - XXXX - This account is the result of identity theft and is causing significant and unjustified harm to my credit profile. Under the Fair Credit Reporting Act ( FCRA ) 1681c-2 and 1681i, you are legally obligated to block and remove fraudulent accounts once notified. I have submitted the proper identity theft documentation, including my FTC Identity Theft Report. I demand this inaccurate and harmful account be removed from my credit report within 4 days to prevent further damage and violation of my consumer rights.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
In XXXX of XXXX I started the process by phone for a modification. At which point I was assigned a point of contact. I was told that I would be notified by mail or email of the decision. After scheduling a appt with that person on the day and time of the appt I did not receive a call from XXXX XXXX of contact. I then reached out to Shellpoint again I was told that XXXX XXXX of contact was busy. I thought that was the reason for having an appt that I would be given time to ask any questions I may have I waited XXXX weeks and heard nothing so I reached out to Shell Point mortgage and was told that my account was still under review and nothing more was needed at that time. A couple of weeks later I know receive an email and attached to the email was an application which I was not told about I thought I was waiting the decision. I did complete the application and all requested documents was sent to them. On XXXX I received a letter of the outcome that my modification had been denied. I then reach out to XXXX XXXX of contact by email XXXX XXXX needing to know what else could be done. After all the letter did state that could reach out to him and as of today XX/XX/XXXX I have not heard from him. On XX/XX/XXXX I called Shell point and asked to speak with a XXXX I was told one would call back in the next hour. Again I heard from NO ONE!! On XX/XX/XXXX I called back and was told someone tried to reach out to me twice which was a lie because I waited and waited with phone in hand for call back which never happened. Alls I seem to get from them is we are so sorry this happened but time and time again it's the same thing. No one knows what they are talking about and it's very frustrating they do not care about how customers are treated in any way shape or form. I now have but in for another modification and was assigned another point of contact and again I can not reach her. After speaking with a supervisor today I was told that the person name I have is not the point of contact well how the heck would the consumer no that without communication. This is truly a company that needs to go out of business or need better training. 

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 2025-06-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
Im am formally disputing the reporting of this account Nissan Infiniti XXXX # XXXX leased a vehicle through this company, but I was never notified that I won't be receiving billing statements by mail. As a result, I never received any bills, payment reminders, or alerts that anything was due. I had no idea that the account was past due or that it would be reported negatively to the credit bureaus. Because I wasnt given any notice, I wasnt given a fair opportunity to resolve the issue before it damaged my credit. 
This isnt just frustrating, its inaccurate and incomplete reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Leafy Financial, LLC
State: TX

Complaint narrative:
On Monday XX/XX/XXXX I spoke with a representative of Leafy Financial. And I requested XXXX documents to validate this debt. I asked for the chain of assignment the forward flow agreement, the original creditor and my original signature. I was told that it would be emailed to me and I have not received any email with this documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
Between the dates of XX/XX/2025 & XX/XX/2025 I inquired about 3 different vehicle purchases from 3 different XXXX, XXXX, XXXX, & XXXX dealerships. I vividly expressed to the following dealerships ; XXXX in XXXXXXXX South CarolinaXXXX XXXX XXXXXXXX in XXXX XXXXXXXX Nevada, XXXX  XXXX XXXX in XXXX XXXXXXXX Nevada, i did not want specific banks pulling my credit such as " XXXX '', " ALLY FINANCIAL '', & " XXXX XXXX ''. I was promised by all three dealerships that they will NOT give the banks my report for hard inquires and during the weekend i was notified on XXXX of all hard inquires pulled without my acknowledgment or consent. 

I did NOT consent to the following credit pulls as followed : ( 1 ) - XXXX XXXX XXXX XXXX on XX/XX/2025 to pull XXXX 
I did not authorize and was not at this dealership or any dealership on this date. 

( 2 ) - XXXX XXXX XXXX XXXX XXXX to pull XXXX 
I did not authorize and was not at this dealership or any dealership on this date. 

( 3 ) - XXXX XXXX XXXX ( # 2 ) on XXXXXX/XX/XXXX to pull XXXX 
I did not authorize and was not at this dealership or any dealership on this date. 

( 4 ) - ALLY FINANCIAL on XX/XX/2025 to pull XXXX 
I did NOT authorize the dealership or this bank to pull my XXXX  credit report. 

( 5 ) XXXX XXXX XXXX on XX/XX/2025 to pull XXXX 
I did not authorize the dealership or this bank to pull my XXXX  credit report. 

( 6 ) XXXX XXXX XXXX on XX/XX/2025 to pull XXXX 
I did NOT authorize the dealership or this bank to pull my XXXX  credit report. 

( 7 ) XXXX XXXX on XX/XX/2025 to pull XXXX 
I did NOT authorize the dealership or this bank to pull my XXXX  credit report. 

( 8 ) ALLY FINANCIAL on XX/XX/2025 to pull XXXX 
I did NOT authorize the dealership or this bank to pull my XXXX  credit report. 

( 9 ) ALLY FINANCIAL ( # 2 ) on XX/XX/2025 to pull XXXX 
I did NOT authorize the dealership or this bank to pull my XXXX  credit report. 

I ONLY consented to the following credit pulls as followed : XXXX XXXX, XXXX on XX/XX/2025 to obtain XXXX XXXX XXXX XXXX on XXXX to obtain XXXX XXXX XXXX XXXX XXXX on XXXX to obtain XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: SANTANDER HOLDINGS USA, INC.
State: NV

Complaint narrative:
Between the dates of XX/XX/year> & XX/XX/year> I inquired about XXXX different vehicle purchases from XXXX different XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX dealerships. I vividly expressed to the following dealerships ; XXXX in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, i did not want specific banks pulling my credit such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was promised by all three dealerships that they will NOT give the banks my report for hard inquires and during the weekend i was notified on XXXX of all hard inquires pulled without my acknowledgment or consent. 

I did NOT consent to the following credit pulls as followed : ( XXXX ) - XXXX XXXX XXXX XXXX on XX/XX/year> to pull XXXX. 
I did not authorize and was not at this dealership or any dealership on this date. 

( XXXX ) - XXXX XXXX XXXX XXXX XXXXXX/XX/year> to pull XXXX. 
I did not authorize and was not at this dealership or any dealership on this date. 

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> to pull XXXX 
I did not authorize and was not at this dealership or any dealership on this date. 

( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> to pull XXXX 
I did NOT authorize the dealership or this bank to pull my experian credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to pull XXXX 
I did not authorize the dealership or this bank to pull my equifax credit report. 

( XXXX ) XXXX XXXX XXXX on XX/XX/year> to pull XXXX 
I did NOT authorize the dealership or this bank to pull my experian credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> to pull XXXX 
I did NOT authorize the dealership or this bank to pull my experian credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to pull XXXX 
I did NOT authorize the dealership or this bank to pull my experian credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> to pull XXXX 
I did NOT authorize the dealership or this bank to pull my experian credit report. 

I ONLY consented to the following credit pulls as followed : XXXX XXXX, XXXX on XX/XX/year> to obtain XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> to obtain XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation