vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 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: PA

Complaint narrative:
This is unfair, illegal, fraudulent, and inequitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$270.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$1300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
I have been contacted constantly about a debt that has not been confirmed to be mine. 
Now I am disputing this collection account being reported on my credit file. The account information is inaccurate/unverifiable. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request an immediate investigation.

If the furnisher can not provide full validation of this debt under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), the account must be deleted from my credit report with all credit bureaus.

Please confirm the results of your investigation within the 30-day period required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica
State: MI

Complaint narrative:
No one 's answered since I began calling yesterday to activate it but I been waiting hours and nothing for XXXX days I need access to my money and I don't know what to do I called Comerica but they can't do anything for me I am going to write a letter let 's see if anyone answers me then

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: NV

Complaint narrative:
I am submitting this complaint regarding Equifaxs repeated failure to properly investigate and correct inaccurate information reported on my credit file. 

I have submitted disputes on numerous occasions, including but not limited to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, as well as other dates in between. These disputes were filed both by mail and through Equifaxs online dispute portal. 

The account in question continues to be reported inaccurately. Specifically : Equifax is reporting the account as a Charge-Off, when in fact the account was settled. 

Equifax is reporting a high credit of {$2500.00}, when the accurate amount is {$3000.00}. 

Credit reporting should be factual and accurate, yet Equifax continues to allow incorrect and information to appear on my credit file despite receiving sufficient documentation from me. Equifax has failed to conduct a reasonable reinvestigation as required under the Fair Credit Reporting Act ( FCRA ), relying solely on the creditors automated responses instead of comparing them to the clear evidence I provided. 

This mishandling of my disputes has caused continued harm, including the publication of false derogatory information, damage to my creditworthiness, and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am filing a complaint against XXXX, synchrony bank, XXXX  XXXX, XXXX  XXXX for repeated harassment. They have been contacting not only me but also my family members about a debt, which violates the Fair Debt Collection Practices Act ( FDCPA ). 

Despite being told to stop, the debt collector continues to call my relatives, sometimes multiple times, to discuss or attempt to collect the debt. This has caused unnecessary stress and embarrassment for my family. 

Under the FDCPA, collectors are only permitted to contact third parties once and only to obtain contact information. These repeated calls are illegal. 

I am requesting that : 1. The debt collector immediately stop contacting my family.

2. The CFPB/FTC/Attorney General take enforcement action against this company for violating my rights under the FDCPA.

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 2025-09-11 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: CA

Complaint narrative:
Subject : Dispute of Information Under Section 605B Dear TransUnion, I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX - $ XXXXXXXX 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 2025-09-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: MO

Complaint narrative:
A payment was made on my mortgage on XX/XX/year> ( I have payment confirmation with the date for proof ). This was reported to my credit as not being paid until XXXX and caused my account to be delinquent and report as late on my credit when it was not more than 30 days late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian is unlawfully refusing to comply with my blocking request under FCRA 605B ( 15 U.S.C. 1681c-2 ) regarding fraudulent accounts and inquiries caused by identity theft. 
On XX/XX/year> I provided Experian with : FTC Identity Theft Reports ( Case XXXX. XXXX & XXXX ). 
Proof of my identity and address. 
Under the law, Experian must block this information within 4 business days. Instead, they declined my request, falsely claiming the FTC reports were not sufficient and demanding a police report. The FCRA does not require a police report. An FTC Identity Theft Report qualifies as a valid identity theft report under 603 ( q ) ( 4 ).

This refusal is a willful violation of my rights and is causing continued harm by reporting fraudulent accounts and inquiries.

I request CFPB intervention to compel Experian to immediately : 1. Block and permanently delete all fraudulent accounts and inquiries.

2. Provide written confirmation of removal.

3. Investigate Experians systemic practice of refusing FTC reports, which endangers consumers nationwide.

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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint against XXXX XXXX for inaccurate and potentially unlawful credit reporting practices. XXXX is reporting XXXX separate charge-off accounts that were closed in good standing years ago. 

The accounts were opened around XXXX and XXXX and both were closed by me, not charged off or delinquent. 

There was no default, no collection, and no notification of charge-off, ever. 

They are now showing on my credit report as Charged Off, with past due balances and late payment history that was never disclosed or proven. 

I submitted detailed dispute letters to XXXX XXXX, as well as to XXXX, Equifax, and XXXX, requesting full validation of these claims including : Signed contracts Default notices Proof of delinquency or charge-off Full payment history and ledgers XXXX has failed to respond or provide any verification, yet continues to allow this inaccurate, damaging data to be published. The credit bureaus have also failed to validate or correct this information after formal disputes. 

This reporting is causing substantial financial harm, including denials of credit and elevated interest rates. It appears to violate the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting guidelines. 

I am requesting immediate removal or correction of the inaccurate tradelines and a full investigation by CFPB into these practices. 

Requested Resolution : Immediate deletion or correction of both XXXX charge-off accounts from all credit reports. 

A complete response from XXXX, including all requested documentation proving their claim. 

If XXXX can not verify the accuracy, require them to remove these tradelines immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am submitting this complaint as a consumer to report the negative experience and the inconveniences I have faced with XXXX XXXX. Recently, we furnished our new home in XXXX through XXXX XXXX XXXX XXXX, relying on the assurances given by their representative that we would have a zero-interest plan for our {$24000.00} purchase, spread over 60 months. 

Unfortunately, it turned out that these promises were not honored. When I raised this issue, the company representative falsely accused me of making threats and called the police on me, which was entirely unfounded. This resulted in further distress and inconvenience as I was instructed not to visit the store. 

Additionally, my credit score was negatively impacted by XXXX points due to an unauthorized over-limit charge, and I had to pay additional interest fees. I feel that I have been misled and unfairly treated by XXXX XXXX, and I want to bring this matter to the attention of consumer rights authorities so that other consumers can be aware and protected from similar experiences. 

I request that my complaint be considered and that necessary actions be taken to ensure that such incidents do not happen to others. 

Sincerely,

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 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint because the credit reporting agency has willfully violated my rights under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I submitted a reinsertion challenge regarding previously deleted accounts. Under FCRA 611 ( a ) ( 5 ) ( B ), a consumer reporting agency is prohibited from re-inserting information unless the furnisher of the information has certified that the information is complete and accurate. In addition, the consumer must be notified in writing within 5 business days of the reinsertion. 

The credit reporting agency failed to provide the required notice and has allowed inaccurate and unverifiable information to remain on my report. This practice is unlawful, causes harm to me as a consumer, and is a direct violation of federal law. 

I am requesting that the CFPB take immediate action to investigate this matter, ensure compliance with the FCRA, and require the credit reporting agency to remove the reinserted items from my file. 
I have not supplied proof under the doctrine of estoppel by silence, Engelhart v. Gravens ( Mo ) 281 SW 715, 719. I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

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 2025-09-11 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : XXXX Email : XXXX Re : Identity Theft Dispute & Demand for Deletion of Fraudulent Accounts Under FCRA 605B, 15 U.S.C. 1681c-2 ; FDCPA ; UCC ; Cease & Desist Dear Credit Bureau , I am a verified victim of identity theft and write to dispute and demand deletion of fraudulent accounts appearing on my credit report. I have attached my FTC Identity Theft Report ( # XXXX ), a copy of my Ohio Drivers License, and supporting evidence. 

Pursuant to FCRA Section 605B ( 15 U.S.C. 1681c-2 ), you are required by law to block and delete any information resulting from identity theft within 4 business days of receipt. 



Fraudulent Accounts & Collections to Delete : XXXX XXXX ( Auto Loan ) {$18000.00} balance ( fraudulent auto loan opened XX/XX/XXXX ) XXXX XXXX {$1600.00} ( fraudulent, account closed XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX  {$450.00}, fraudulent credit card XXXX XXXX  {$1600.00} fraudulent credit card XXXX XXXX XXXX XXXX fraudulent account opened XX/XX/XXXX Collections : XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX {$800.00} & {$1300.00} XXXX XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX  {$650.00} These accounts were opened without my knowledge or consent and must be permanently removed. 



Legal Basis FCRA 605B ( 15 U.S.C. 1681c-2 ) : Requires deletion of fraudulent tradelines.

FCRA 623 ( 15 U.S.C. 1681s-2 ) : Furnishers must report accurately and investigate disputes.

FDCPA ( 15 U.S.C. 1692c & 1692e ) : Prohibits collection activity on fraudulent debt ; requires cease & desist. 
UCC 1-308 : I reserve all rights without prejudice.

Demands 1. Block and permanently delete all fraudulent accounts listed.

2. Cease and desist from reporting or re-inserting these accounts.

3. Send me written confirmation within 30 days that my file has been corrected.

4. Notify all creditors, lenders, and parties that received the inaccurate report.

Failure to comply will result in complaints to the CFPB, FTC, and State Attorney Generals Office. 


Sincerely, XXXX XXXX XXXX XXXX Without Prejudice

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : XXXX Email : XXXX Re : Identity Theft Dispute & Demand for Deletion of Fraudulent Accounts Under FCRA 605B, 15 U.S.C. 1681c-2 ; FDCPA ; UCC ; Cease & Desist Dear Credit Bureau , I am a verified victim of identity theft and write to dispute and demand deletion of fraudulent accounts appearing on my credit report. I have attached my FTC Identity Theft Report ( # XXXX ), a copy of my Ohio Drivers License, and supporting evidence. 

Pursuant to FCRA Section 605B ( 15 U.S.C. 1681c-2 ), you are required by law to block and delete any information resulting from identity theft within 4 business days of receipt. 



Fraudulent Accounts & Collections to Delete : XXXX XXXX ( Auto Loan ) {$18000.00} balance ( fraudulent auto loan opened XX/XX/XXXX ) XXXX XXXX {$1600.00} ( fraudulent, account closed XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX  {$450.00}, fraudulent credit card XXXX XXXX  {$1600.00} fraudulent credit card XXXX XXXX XXXX XXXX fraudulent account opened XX/XX/XXXX Collections : XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX {$800.00} & {$1300.00} XXXX XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX  {$650.00} These accounts were opened without my knowledge or consent and must be permanently removed. 



Legal Basis FCRA 605B ( 15 U.S.C. 1681c-2 ) : Requires deletion of fraudulent tradelines.

FCRA 623 ( 15 U.S.C. 1681s-2 ) : Furnishers must report accurately and investigate disputes.

FDCPA ( 15 U.S.C. 1692c & 1692e ) : Prohibits collection activity on fraudulent debt ; requires cease & desist. 
UCC 1-308 : I reserve all rights without prejudice.

Demands 1. Block and permanently delete all fraudulent accounts listed.

2. Cease and desist from reporting or re-inserting these accounts.

3. Send me written confirmation within 30 days that my file has been corrected.

4. Notify all creditors, lenders, and parties that received the inaccurate report.

Failure to comply will result in complaints to the CFPB, FTC, and State Attorney Generals Office. 


Sincerely, XXXX XXXX XXXX XXXX Without Prejudice

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 2025-09-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Monterey Financial Services LLC
State: MI

Complaint narrative:
this is a timeshare that agreed to help me get out of my last timeshare and it was another scam. they never help with the other timeshare and only made me go further into debt. I have lost my job and need to get out of these timeshares.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
To whom this may concern over the past month our account has paid probably atleast XXXX in fees. When I talked to one of the people they said well we can't do anything because your account is now not overdrawn so when it is call us. So today I did and they said I'm sorry but I can't do anything even though I know they can. They gave me overdraft fees for a XXXX dollar item I thought it was supposed to be over a certain amount. When I was talking to the lady about it she was very rude and made me feel horrible she kept saying like chase is paying my bills instead of us which is not true because it would just bounce back but also to that chase has taken like I said atleast XXXX in fees just in the last month. That's not okay now my family my children have to go without because our account is overdrawn XXXX dollars. What can I do about this? I'm so frustrated they can do this to people!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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 false entry negatively misrepresents my financial conduct. Please address it and update my records.

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