vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
b'XXXX XXXX XXXXTo Whom It May Concern,\nI am filing this complaint regarding XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX for\ntheir failure to respond to a lawful debt validation request in violation of the Fair Credit Reporting Act\n(FCRA) and the Fair Debt Collection Practices Act (FDCPA).\nOn XXXX XXXX XXXX I, XXXX XXXX, mailed a written dispute and debt validation request to the\ncompany via USPS Certified Mail (Tracking Number: XXXX XXXX XXXX XXXX XXXX XXXX This request was\nregarding an account they are reporting under my name: Account Number XXXX\nThe certified mail was delivered on XXXX XXXX XXXX As of todays date, over 30 days have passed, and I\nhave not received any meaningful response, documentation, or proper validation from the company.\nUnder 15 U.S.C.  1681 (FCRA) and 15 U.S.C.  1692g(b) (FDCPA), a furnisher or debt collector is\nrequired to investigate and respond to disputes within 30 days and to cease reporting unverifiable\ninformation. Failure to respond or validate constitutes non-compliance with federal law.\nThis inaction has caused continued harm to my credit profile and financial well-being. I am requesting\nthe Consumer Financial Protection Bureau and the Federal Trade Commission to investigate this\nmatter and ensure that XXXX XXXX XXXX XXXX  is held accountable for these violations.\nI also sent a non response on XXXX XXXX XXXX  that was delivered XXXX XXXX XXXX with no results still. \nThank you for your assistance.\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
b'XXXX XXXX XXXXnTo Whom It May Concern,\nI am filing this complaint regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for\ntheir failure to respond to a lawful debt validation request in violation of the Fair Credit Reporting Act\n(FCRA) and the Fair Debt Collection Practices Act (FDCPA).\nOn XXXX XXXX XXXX XXXX XXXX XXXX mailed a written dispute and debt validation request to the\ncompany via USPS Certified Mail (Tracking Number: XXXX XXXX XXXX XXXX XXXX XXXX  This request was\nregarding an account they are reporting under my name: Account Number XXXX\nThe certified mail was delivered on XXXX XXXX XXXX As of todays date, over 30 days have passed, and I\nhave not received any meaningful response, documentation, or proper validation from the company.\nUnder 15 U.S.C.  1681 (FCRA) and 15 U.S.C.  1692g(b) (FDCPA), a furnisher or debt collector is\nrequired to investigate and respond to disputes within 30 days and to cease reporting unverifiable\ninformation. Failure to respond or validate constitutes non-compliance with federal law.\nThis inaction has caused continued harm to my credit profile and financial well-being. I am requesting\nthe Consumer Financial Protection Bureau and the Federal Trade Commission to investigate this\nmatter and ensure that XXXX XXXX XXXX XXXX  is held accountable for these violations.\nI also sent a non response on XXXX XXXX XXXX XXXXat was delivered XXXX XXXX XXXX with no results still. \nThank you for your assistance.\nSincerely, 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 non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: TX

Complaint narrative:
Hello, My name is XXXX XXXX, At this time I do not have the credit card information but i'm putting of my ssn XXXX .I 'm writing regarding my Discover credit card application. I was approved for the card, but because the IRS didnt send my tax return documents, the account was closed before I ever had the chance to use it. Unfortunately, this closure affected my XXXX XXXX. 

Since I was never able to activate or use the account, I respectfully request that this closed account be removed from my credit report. I believe this action would more accurately reflect my credit history and resolve any unintended negative impact. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: CA

Complaint narrative:
There's a lot of arrows on my credit report on my XXXX XXXX report there is showing XXXX accounts some of them are showing clothes but they are showing open with balances I have send a consumer report a letters to remove those mistakes off my report I've been a victim of identity there for reading and I have to send them all the letters and they have not have fixed the problem yet I want to know what can I do with these accounts are showing on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Central Research Inc
State: FL

Complaint narrative:
I received notification on XX/XX/year> from my provider, XXXX, that on XX/XX/year> my loans would be transferred to a new provider, Central Research Inc. I contacted XXXX to find out how this transfer would work as it was in the middle of my 21 day payment period XXXX XXXX XXXXesponded back stating that my payment would be due on XX/XX/year> with no other information. 

I have attempted to create a new profile with this new servicer, Central Research Inc, and their company website is not allowing me to create a profile to obtain my next billing statement ( due XX/XX/year> ). 

I have just checked my XXXX account and XXXX has also not uploaded my XX/XX/year> statement which would have my XX/XX/year> payment due date. 

I would like your assistance in obtaining compliance with the 21 day statement due from either XXXX my preference would be to remain with them, or from Central Research Inc. as well as assistance with making Central Research Inc. to allow me to create my online account to track and manage my student loan accounts as they are not allowing transferred accounts to create profiles at this moment. I am more than willing to provide copies of all correspondences, screenshots of websites, payment histories upon request and am also willing if needed to speak with the media about these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Subject : Formal Dispute and Request for Investigation and Deletion of Inaccurate/Unauthorized Items under 15 USC 1692c , 1692g, 1681e ( b ), 1635, and Related Consumer Protections To Whom It May Concern : I am writing to formally dispute the following accounts and inquiries currently appearing on my consumer credit reports. This letter is written pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint against XXXX, Experian, XXXX  for violations of federal consumer protection laws regarding inaccurate credit reporting and improper debt collection practices that have devastated my credit profile and ability to secure housing. As a confirmed victim of the 2017 XXXX  data breach, I have experienced numerous questionable accounts and negative items appearing on my credit reports, and the companies listed below have failed to properly investigate and remove these disputed accounts despite my attempts to resolve these issues. 

XXXX XXXX XXXX  XXXX XXXX - Creditor ( XXXX charged-off accounts ) XXXX XXXX XXXX - Debt Buyer/Collector XXXX XXXX XXXX  - Auto Lender 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 - Collection Agency

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 2025-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo forbid loan officer to use XXXX for marketing, XXXX is unapproved social media, run by a XXXX company. But XXXX XXXX promoted his XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Gu. This is discrimination against all other Wells Fargo loan officers.

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 2025-07-27 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
I opened a Synchrony Bank account in XX/XX/XXXX and have never made a single purchase only consistent, on-time payments to reduce the balance. My original balance exceeded {$6000.00}, and as of XX/XX/XXXX, Ive reduced it to just over {$3000.00} with 100 % of payments made on time. 

Despite this, Synchrony repeatedly lowered my credit limit seemingly in response to my responsible payment behavior harming my credit score due to increased utilization reporting. They did this without notice or justification, and I received multiple letters reducing my limit as I made progress. I never called to request changes, so all reductions were initiated by them. 

Additionally, there are inaccurate data points in my credit reporting including payment records dated before the account was even opened further raising concern about the accuracy and fairness of their practices. 

Im seeking a correction to my credit file and a review of Synchronys conduct, as this feels retaliatory and damaging to consumers who act in good faith.

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 2025-07-27 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 am reporting unauthorized hard inquiries and a credit card account I did not open. I did not apply for credit with XXXX  XXXX XXXX, XXXX XXXX XX/XX/year>, or XXXX XXXX XXXX XX/XX/year>. These were not authorized by me, and I suspect identity theft. I am requesting these be investigated and removed from 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 2025-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a letter in the mail from XXXX XXXX XXXX claiming that I owe a debt from an original creditor Bank of America N.A. with an account ending and the number is XXXX for a total balance of {$3900.00}. ( File number XXXX ) This collection company is claiming in the a response letter to my original complaint that the debt was from Bank of America and considered delinquent XX/XX/XXXX, charged off XX/XX/XXXX and awarded to XXXX XXXX XXXX on XX/XX/XXXX. So it has taken this debt collection agency 14 YEARS to contact me and they are now threatening me saying they are going to pursue garnishment remedies to address the balance due on a unsatisfied judgment owed. 

I have never had a bank account, credit card or loan with Bank of America so I believe this is done an error or this is fraud and I am victim of identity theft. I have never been contacted by a representative of Bank of America nor been contacted by any debt collection agent agency until the letter I received on XX/XX/XXXX. I am disputing this attempt to pursue garnishment remedies and collect debt for an account that is not mine. I am a victim of identity theft and these items are not transactions conducted by me as a consumer. I have filed a identity theft report, sent an identity theft letter to the debt collector, as well as a FTC notice to furnishers to 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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
Account Name SUNRISE CREDIT SERVICES Account Number XXXX Date Opened XX/XX/XXXX Status Collection account. {$1600.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$1600.00} Balance Updated XX/XX/XXXX Original Creditor XXXX XXXX CO I just received this information as part of a change in my credit history, giving me a negative hit of XXXX points. I have never had an electrical bill under my name in the state of New York. Furthermore, the open date is XX/XX/XXXX, and I was not even in the XXXX XXXX at the time. 


I have never received a physical copy or even an electronic XXXX of the alleged debt. And even after filing a dispute via XXXX  they maintain their mistake on flagging me for the unpaid amount when Ive never even been a customer or gotten an electric contract under my name in 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 2025-07-27 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I noticed my credit scores dropped XXXX points from the DEPT OF XXXX XXXX on XXXX accounts, this is unfair, misleading and inaccurate along with FRUAD. How can the Dept OF Aidvantage mark me late for XXXX days but when you read my credit report from XXXX, Experian and XXXX  it marks me XXXX XXXX PAST DUE. This is unfair the following accounts where listed being XXXX  days past due but they where not. I have reside at the same employment, address and email since the following accounts were open. XXXX OF XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, all of which are duplicate accounts. I have tried reaching out to both the credit bureaus and department of XXXX aidvantage and no one has been able to assist me, I feel this is unfair and fraud, no one forward me an email, no one called my telephone number which ahs been the same telephone number for XXXX years and no one tried to forward documents such as letters via regular mail. Again please assist me to removing the XXXX LATE PAYMENT FROM XXXX WHICH READS FRAUDULENTLY ON MY CREDIT REPORT 90 DAYS BEHIND.

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 2025-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I noticed my credit scores dropped XXXX points from the DEPT OF XXXX XXXX on XXXX accounts, this is unfair, misleading and inaccurate along with FRUAD. How can the Dept OF Aidvantage mark me late for 30 days but when you read my credit report from Transunion, XXXX XXXX XXXX it marks me XXXX  days PAST DUE. This is unfair the following accounts where listed being XXXX  days past due but they where not. I have reside at the same employment, address and email since the following accounts were open. XXXX OF XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, all of which are duplicate accounts. I have tried reaching out to both the credit bureaus and department of XXXX aidvantage and no one has been able to assist me, I feel this is unfair and fraud, no one forward me an email, no one called my telephone number which ahs been the same telephone number for XXXX years and no one tried to forward documents such as letters via regular mail. Again please assist me to removing the XXXX LATE PAYMENT FROM XXXX WHICH READS FRAUDULENTLY ON MY CREDIT REPORT 90 DAYS BEHIND.

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 2025-07-27 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: IL

Complaint narrative:
I noticed my credit scores dropped XXXX points from the XXXX XXXX XXXX XXXX on XXXX accounts, this is unfair, misleading and inaccurate along with FRUAD. How can the XXXX XXXX XXXX  mark me late for XXXX  days but when you read my credit report from XXXX, XXXX  and Equifax it marks me XXXX  days PAST DUE. This is unfair the following accounts where listed being XXXX  days past due but they where not. I have reside at the same employment, address and email since the following accounts were open. XXXXXXXX XXXX  XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, all of which are duplicate accounts. I have tried reaching out to both the credit bureaus and XXXX XXXX XXXX XXXX  and no one has been able to assist me, I feel this is unfair and fraud, no one forward me an email, no one called my telephone number which ahs been the same telephone number for XXXX years and no one tried to forward documents such as letters via regular mail. Again please assist me to removing the XXXX LATE PAYMENT FROM XXXX WHICH READS FRAUDULENTLY ON MY CREDIT REPORT XXXX  DAYS BEHIND.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XX/XX/year> I noticed multiple accounts reporting on my Credit report that I didn't apply for and I received a letter stating my information was leaked in XXXX XXXX XXXX breach and I started searching to see if it was leaked elsewhere and it was multiple times.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Dear XXXX XXXX XXXX, Thank you for your response to my recent inquiry regarding the charged-off account listed in my name. 

While I acknowledge that the last payment on the account was made on XX/XX/XXXX, and that the account was officially charged off on XX/XX/XXXX, I would like to express my continued concern about how this account is currently being reported to the credit bureaus. 

I understand that under the Fair Credit Reporting Act ( FCRA ), a charged-off account may remain on my credit report for up to seven years from the date of first delinquency. However, I am requesting a re-examination or update of the current reporting status to ensure it fully reflects the accounts accurate status, including : That the account is closed and no longer active That the charge-off amount is correct and not continuing to accrue interest Whether the account has been sold or assigned to any third party Whether any additional collection activity is expected or ongoing I also want to respectfully inform you that I am currently unable to afford repayment of this charged-off account due to financial hardship. I am doing my best to manage essential living expenses and maintain basic financial stability. Given this, I am asking that XXXX consider a XXXX  adjustment to either remove or update the negative entry associated with this account, especially considering that no payment is being pursued at this time. 

Many lenders choose to work with consumers seeking to improve their credit standing by offering such adjustments as a gesture of understanding and fairness. While I realize this is not a requirement, I hope XXXX will consider this request in the spirit of cooperation. 

If removal is not possible, I would appreciate written confirmation that the account has been closed and that no further action will be taken. I would also be grateful for a copy of the final account summary, including how the charge-off amount was calculated. 

Thank you again for your time and consideration. I hope we can resolve this matter fairly, and I am willing to provide additional documentation if needed. 

Sincerely, 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