vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 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 have disputed this account with the bureau and the furnisher multiple times. The account remains inaccurate due to fraud unresolved errors and outdated information. I am requesting a full investigation and deletion due to reporting violations under the FCRA. '' XXXX XXXX Reported : XXXX XXXX, XXXX {$9900.00} XXXX XXXX Reported : XXXX XXXX, XXXX {$6900.00} XXXX XXXXXXXX XXXX. 
Reported : XXXX XXXX, XXXX {$250.00} XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$410.00} XXXXXXXX XXXX  Reported : XX/XX/XXXX {$840.00} XXXX XXXX  Reported : XX/XX/XXXX {$980.00} XXXX XXXX XXXX Reported : XX/XX/XXXX {$260.00}

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 2025-05-28 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: FL

Complaint narrative:
" I have disputed this account with the bureau and the furnisher multiple times. The account remains inaccurate due to fraud unresolved errors and outdated information. I am requesting a full investigation and deletion due to reporting violations under the FCRA. '' XXXX XXXX Reported : XXXX XXXX, XXXX {$9900.00} XXXX XXXX Reported : XXXX XXXX, XXXX {$6900.00} XXXX XXXXXXXX XXXX. 
Reported : XXXX XXXX, XXXX {$250.00} XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$410.00} XXXXXXXX XXXX  Reported : XX/XX/XXXX {$840.00} XXXX XXXX  Reported : XX/XX/XXXX {$980.00} XXXX XXXX XXXX Reported : XX/XX/XXXX {$260.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have several incorrect late payments reporting, incorrect balances, incorrect account dates and accounts that are not even mine reporting on my credit reports. I have requested multiple times, documentation showing these are my accounts and proof of any late payments, I have also requested multiple times for all errors to be corrected. I am a victim of the experian and XXXX security breaches, my identity has been stolen and I am requesting my credit report be corrected immediately.

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 2025-05-28 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 writing to request the removal of certain inaccurate items from my credit file. A list of these items is attached in a separate document for your reference. 

I am a victim of identity theft and have discovered multiple unauthorized accounts and inquiries on my credit report that I did not apply for. I respectfully request that these fraudulent items be removed to ensure my credit report accurately reflects my financial history. 

I have reported the identity theft to the Federal Trade Commission and have enclosed copies of the report as supporting documentation. In accordance with Section 605B of the Fair Credit Reporting Act, I request that you block this fraudulent information from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a complaint against Experian, TransUnion, Equifax for failing to complete a credit dispute investigation within the timeframe required by the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, Experian received my written dispute letter, which I have proof of delivery for. According to the FCRA, credit reporting agencies are required to complete their investigation and respond within 30 days of receiving a consumer 's dispute. 

As of today, XX/XX/year>, Experian has not concluded the investigation nor provided me with the results of their findings. This is a clear violation of the FCRA, specifically 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), which mandates that the agency must complete the reinvestigation within 30 days of receiving notice of the dispute. 

I am requesting the CFPB to investigate this matter and compel Experian to : Immediately complete the investigation ; Provide a written response with the results ;

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: NY

Complaint narrative:
My credit report was negatively impacted due to unauthorized accounts from a data breach. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I demand blocking and removal within 4 days : 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 XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} Inquiries 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 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 2025-05-28 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: NY

Complaint narrative:
My credit report was negatively impacted due to unauthorized accounts from a data breach. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I demand blocking and removal within 4 days : 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 XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} Inquiries 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 non-monetary relief
Consumer complaint received 2025-05-28 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: IL

Complaint narrative:
This correspondence is to inform you of fraudulent accounts added to my credit profile due to a data breach. In compliance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete the accounts within 4 days : 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 XXXXXXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX  XXXX  XXXX  Date : XX/XX/year> XXXX  XXXX  Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year>XXXX XXXX XXXX Date : XX/XX/year> XXXXXXXX XXXX Date : XX/XX/year>

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 2025-05-28 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: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company 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 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
Dear XXXX or to whom it may concern This letter is being sent in response to a collection account added to my record regarding an alleged debt you claim I owe. I am requesting validation of this debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
Please provide me with the following : XXXX. The amount of the alleged debt. 
XXXX. The name of the original creditor. 
XXXX. A detailed statement explaining how the debt amount was calculated. 
XXXX. Verification that you are legally authorized to collect this debt in my state. 
XXXX. A copy of the original signed agreement or contract showing I agreed to assume this debt. 
XXXX. The name and address of the original creditor, if different from the current one. 
Until this information is provided, and the debt is properly validated, I request that all collection activities cease. Also, do not report this alleged debt to any credit reporting agencies until this matter is resolved. If it has already been reported, please notify them to mark it as disputed. 
Be advised that any attempt to collect this debt without providing the requested validation is a violation of the FDCPA and my rights. 
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Synovus Bank
State: VA

Complaint narrative:
My secured credit account was opened approximately XXXX years ago with XXXX XXXX. After the initial card expired, I was never sent a replacement. Despite this, automatic payments continued to cover the annual renewal fee, presumably maintaining its active status. I was notified that their internal system changes required reactivating my account with the full card numberinformation I could not retrieve due to never receiving an active card ( and not available on statements ). I contacted customer service to retrieve this information but was informed that the full card number could not be provided. Instead, I was told a new card would be issued. 

However, I never received the promised card. Instead, I was issued a letter stating the account was being closed due to inactivity for XXXX XXXX. Based on their own cited standard, the account had been inactive for far longer than that a fact that was neither previously addressed nor used as grounds for closure until I initiated contact. This indicates that my recent attempt to restore my access was what triggered the closure, not any internal review or policy enforcement by the institution. 

Charging a renewal fee and assessing late penalties on an account XXXX XXXX acknowledges has been inactive for yearswhile simultaneously denying the means to restore accessconstitutes an unreasonable and unjust billing practice on at least XXXX grounds. 

( XXXX ) Truth in Lending Act ( TILA ), Regulation Z ( 12 CFR 1026 ) : Prohibits the imposition of charges for services not rendered and requires clarity in billing and access to credit terms. 
( XXXX ) Fair Credit Billing Act ( FCBA ) : XXXX consumers from being charged for products or services not received or rendered inaccessible. 
( XXXX ) Credit Card XXXX of XXXX  : Prevents fees on dormant accounts when no meaningful access to credit services is provided. 

There is no reasonable basis for charging continued fees without providing functional access to the account. XXXX XXXX ' own closure letter acknowledges that the account had been inactive for a minimum of XXXX XXXX further supporting that services were not being rendered while billing continued.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I found an inaccurate negative item on my credit report. I contacted the furnisher, received no verifiable response, and am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ) .Please remove this unverifiable item.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I found an inaccurate negative item on my credit report. I contacted the furnisher, received no verifiable response, and am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ) .Please remove this unverifiable item.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: LA

Complaint narrative:
XXXX  and XXXX  has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX  and XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX  and XXXX  has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX  and XXXX  inaction violates federal law and my rights as a consumer.

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 2025-05-28 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Asset Complaint Solutions
State: NY

Complaint narrative:
Subject : Complaint Regarding XXXX XXXX XXXX XXXX XXXX XXXX and XXXX Violations acct # XXXX for XXXX XXXX To Whom It May Concern, I am writing to formally lodge a complaint against XXXX XXXX XXXX XXXX their unjust modification of the original contract terms on my auto financing agreement and their continued mismanagement of my account over the past several years. 

Since the inception of my contract with XXXX XXXX XXXX XXXX have noticed unauthorized changes to the agreed-upon terms and conditions. Specifically, the monthly payment amount has increased inconsistently without transparent explanation. Additionally, the maintenance warrantyoriginally agreed to as a separate and optional coveragehas been improperly bundled into the principal loan amount. For over five years, I have been charged interest on this maintenance warranty, which I did not agree to finance under the original terms. 

Furthermore, I have experienced significant financial hardship due to serious health concerns. I was placed on XXXX, followed by a period of short-term and then long-term XXXX. During this time, I proactively contacted XXXX XXXX XXXX XXXX assistance and explore financial hardship options. Unfortunately, I was met with little to no support, and my concerns were not addressed with any viable solutions. Instead, my account was transferred to multiple third-party debt collection agenciesnone of which I signed contracts withfurther complicating and exacerbating my situation. 

I have made repeated efforts to recover from this financial hardship between 2022 and the present, including trying to reinstate and catch up on missed payments. However, the outstanding balance remains inaccurate and does not reflect a proper breakdown of charges, adjustments, or assistance that should have been applied under hardship protocols. 

I respectfully request that your office investigate this matter. I am seeking a full review and rectification of my account, including correction of the inflated balance, refund or removal of interest applied to the maintenance warranty, and accountability for the miscommunication and unauthorized contract modifications. 

Please let me know if you require any supporting documentation or further details to move forward with my case. 

XXXX XXXX XXXX XXXX XXXX, XXXX New York XXXX ( XXXX ), XXXX XXXX XXXX account XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-05-28 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Climb Credit Inc.
State: NM

Complaint narrative:
Signed for a loan to get in the program XXXX  on XX/XX/XXXX. I wanted to back out of the program and told them formally on XX/XX/XXXX, but was told I was beyond the period for a refund. I have filed complaints with the XXXX, XXXX, and XXXX. I talked to the XXXX XXXX XXXXXXXX XXXX XXXX on XXXX last month and he said they would be willing to give me a refund. A month went by and he said he processed the refund to climb credit ( lender ) but I contacted the lender and they said they have received no confirmation of a refund. XXXX is an unlicensed school engaging in deceptive trade practices by having people remove negative reviews and complaints for financial incentive and not following up. XXXX XXXX has made claims that his school is safe from regulation.

Company response to consumer: Closed with explanation