vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 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:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). ''

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 2025-05-29 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: IN

Complaint narrative:
I am formally requesting that the unauthorized accounts on my credit report be blocked and removed as quickly as possible. I have no connection to these accounts, nor did I authorize them. In line with USC 1681g, I request their removal within 15 days. Please find the attached documents for your review. The account data being reported to each bureau is inaccurate and inconsistent.

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 2025-05-29 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: CA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-29 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: CA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Request for Debt Validation JCS Reference : XXXX Account Number : XXXX Alleged Amount : {$1700.00} To Whom It May Concern, This letter is being sent to you in response to a collection notice I received from your office. Please be advised that I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and respectfully requesting full validation and verification of the debt you allege I owe. 

Please provide the following documentation : 1. The original creditors name and address.

2. A detailed breakdown of the debt, including the original amount, interest, fees, and any payments made.

3. A copy of the original contract or agreement bearing my signature, which shows I agreed to assume this debt.

4. Documentation proving you have the legal authority to collect this debt, including a copy of any assignment or purchase agreement from the original creditor.

5. Verification that the Statute of Limitations has 
not expired on this alleged debt.

6. The name and address of the current creditor to whom the debt is allegedly owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF TRAFFICKING AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND TRAFFICKING. 

Account Name : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
XXXX closed my credit account for inactivity without warning or notice. The line of credit is through Synchrony. I contacted them, which they say to contact XXXX. Upon contacting XXXX, rep XXXX informed me the account is closed and there's nothing they can do and I'd have to reapply to open it again. My XXXX account is active almost monthly, and I figured that would be enough to keep it active. I was not made aware that XXXX and PayPal Credit are XXXX separate businesses and by using my XXXX account, which the PayPal Credit is tied to, it actually had nothing to do with the PayPal Credit account. I feel this is highly misleading and an unfair practice. Not only will the closure of the account hurt my credit score, but the rep 's suggestion of reapplying would give me a hard inquiry and affect my history, further dropping my score. The rep claimed to have submitted a case but could not supply a case number or ticket number, just claims they will contact me in XXXX business days to give me a verdict on whether they will reopen the account. It's been 3 days and no response now. I think the FTC should be involved since researching this issue reveals several others that were unaware of PayPal Credit being a separate entity and also had their account closed for inactivity without notice or warning. 
I contacted BBB, which XXXX replied today ( over a week later from initial contact ) and they advised me to contact Synchrony. I called and they claim the same that they can not reopen the account under any circumstances.

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 2025-05-29 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: TX

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under XXXX USC XXXXg ( Section XXXX ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating XXXX USC XXXXc ( Section XXXX ( c ) ). 
Harassment under XXXX USC XXXXd ( Section XXXX ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under XXXX U.S. CXXXX 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 2025-05-29 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:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

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 2025-05-29 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GREENSKY OPERATIONS, LLC
State: TX

Complaint narrative:
i do not have a home depot card they are matching me to someone else maybe my mom whom i help sometimes with her payments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. 

XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX List of Unauthorized Inquiries : XXXX - XXXX XXXX - XXXX XXXX U.S.C XXXX Section XXXX A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXXc. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX U.S.C. XXXX ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
I purchased my home in XX/XX/XXXX using a conventional mortgage loan from XXXX XXXX XXXX ( XXXX ). The property carried a senior homestead exemption from the previous owner, which temporarily reduced the XXXX property taxes to {$480.00}. Georgia law O.C.G.A. XXXX mandates that such exemptions expire upon transfer of ownership. The exemption expired on XX/XX/XXXX, and the property taxes reset to {$4000.00} annually based on the new purchase price. 

Servicing of my loan was transferred to Mr. Cooper in XXXX. They had full access to my closing disclosure, public tax records, and Georgia law. Despite this, they continued collecting escrow based on the expired {$480.00} tax amount throughout XXXX and well into XXXX. In XX/XX/XXXX, they refunded me an escrow surplus of {$1200.00} without adjusting their tax estimate. Then in XX/XX/XXXX, they issued an escrow statement showing a shortage of {$5000.00}, which they spread over 60 months, increasing my monthly payment by {$83.00} starting XX/XX/XXXX. 

Their response dated XX/XX/XXXX, confirms the shortage was due to the homestead exemption ending, yet they refuse to reverse it. They blamed me for not notifying them, even though RESPA XXXX XXXX XXXX ( c ) ( 3 ) requires servicers to use reasonably available information, which they ignored. 

This is my second CFPB complaint. The first was closed despite the issue remaining unresolved. I am requesting full correction of the shortage, removal of the {$83.00} overage from my monthly payment, and reimbursement or account credit for the error. Supporting evidence includes escrow statements from XXXX to XX/XX/XXXX, closing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: FL

Complaint narrative:
Please review this complaint thoroughly, as it was submitted intentionally and not in error. My credit report appears to contain mixed or inaccurate information, including accounts, transactions, and items that do not belong to me. This situation is deeply concerning and has caused me considerable stress and anxiety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Chime Financial Inc
State: OK

Complaint narrative:
I bank with Chime. Who is already under investigation with y'all. They have an account any customer can sign up for. Their Credit Builder account. I've been banking with Chime, and using the Credit Builder feature since fall of 2023. 

The past XXXX months, there's been unauthorized purchases I did not make, that racked up to almost {$180.00}. I fought it twice and they still won't refund me. They said it's because they don't have enough info to refund me. Well, when a system gets hacked, don't you think the hacker would cover up their actions? 

I live in Oklahoma, and most of the balance consisted of XXXX orders in CALIFORNIA. Why and how would I get food from California to delivered to me Oklahoma? 

I've pretty much accepted my fate. I just can't allow these companies screwing the little guys over. 

Whatever information you need from me, I can provide. 

I appreciate y'all 's time. Please take down Chime!! They're an abomination to the everyday XXXX, allowing theft to their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: Credit Karma, LLC
State: MO

Complaint narrative:
Credit Karma refuses to allow me to change my email and Keeps stating an error when I try to do so. Even after calling this company, stated that they will change it but has not. XXXX accounts continue to be hacked into so wanted to change to an XXXX account but Credit Karma keeps blocking me from doing this. 

Also theres been a dispute with XXXX XXXX for greater than 30 days but once submitting a dispute elsewhere, XXXX XXXX XXXX ( formerly XXXX ) was indeed closed and now credit karma changed back to open under my debt portion. Credit Karma keeps changing its position and has kept the dispute going several months without any resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: IL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital sent me an expired debit that was over XXXX XXXX XXXX, which is a violation XXXX XXXX XXXX, statute of limitations, and refused to send a Debit validation. They have been sent XXXX letters, XXXX on XX/XX/year> and Cease and desist on XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
CASE : XXXX The response from the company is not for me! This is a different customer. You have the wrong person! 

Since submitting a complaint previously which is now resolved. They have now messed up my username to log into the Care Credit website. I have been logging into https : //www.synchrony.com/accounts/logout for YEARS with the XXXX XXXX. Last week suddenly I could not log in. I called and they stated that I was using the wrong username. That it was XXXX. This is a blatant lie. I have not used that username in decades. I have been logging on and paying my bills on the Care Credit website with the username guimaraisd. They switched something or changed something on my account without my consent. They need to make the username to be XXXX as primary for all accounts. This is the only username I have on ALL credit card accounts. How am I able to log on if that username is not valid? I am betting they assigned either the XXXX or XXXX as primary. As before there was an email address XXXX appearing and getting statement reminder emails and everyone kept telling me that email was not on file not to worry and it was. A smart customer service representative who actually reviewed all the accounts found it was still listed on the XXXX account that's why that email account was still receiving reminders. Now I have to sign in through the XXXX website with guimaraisd to get in.

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 2025-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX midland credit Management\n[Recipients Address] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CEASE AND DESIST REQUEST REGARDING [DESCRIPTION OF INFRINGEMENT]\n\nI am writing to formally demand that you cease and desist from [describe the action(s) that violate your rights, e.g., using copyrighted material, infringing on trademarks, defamation, etc.]. Your actions, which began on [date], have caused [harm, damage, or other consequences]. Specifically, [provide a detailed explanation of the violation, including specific examples and dates].\n\nUnder [relevant laws, such as copyright, trademark, etc.], you do not have the legal right to engage in these activities. I request that you immediately stop [the illegal activity] and [take corrective action, if applicable, such as removing infringing content, stopping production, etc.].\n\nShould you fail to comply with this demand within [time frametypically XXXX XXXX XXXX XXXX, I will be forced to take appropriate legal action, including pursuing a lawsuit, seeking an injunction, and/or requesting financial compensation for damages.\n\nThis letter is intended to inform you of my rights and provide you with an opportunity to rectify this situation before further legal action is taken.\n\nPlease confirm in writing by [date] that you will comply with this request.\n\nThank you for your prompt attention to this matter.\n\nSincerely,\n[Your Name]\n[Your Signature (if sending by mail)]"

Company response to consumer: Closed with non-monetary relief