vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I closed my synchrony account on XX/XX/year> and I paid which I believe was a wrong balance ( inflated ). However, I just want to closed account ; therefore, I did not care. 

But now, I keep getting continuously balance amount due on XXXX of each month. Even though I paid more than what I was supposed in order to close the account. 

I tried to contact synchrony at XXXX and automatic system just goes in circle and it does not give the option to speak to representative. I login online and I was chatting with an agent and it even says account its closed but could not resolve the issue of continuous monthly balances when account is even used.

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 2025-08-29 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: TN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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 2025-08-29 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: TN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
b'Attempted to create free account with Experian to temporarily lift credit freeze. Was unable to verify my identity due to an error with Experian.(when I put in the last 4 of my social and phone number, a link was texted to my phone, after that verification went through, my information came up--name, phone number, address--when I hit verify and continue, three verification options came up, none of which were mine. (Two phone numbers--ending I think XXXX, but they were the same--and an email address XXXX). I mistakenly selected the last one, but of course never received  any email. There was no other option than to select one of the three incorrect options. Was unable to contact Experian to report the error, get more information, or resolve issue. I called XXXX XXXX XXXX XXXX XXXX multiple times. Was unsuccessful at getting through to anyone or figuring out an alternate way to contact the appropriate party at Experian. I was annoyed and delayed by being unable to temporarily lift the freeze with Experian (I was able to lift it with XXXX  and complete my transaction), but mainly I am concerned that a link to my personal information was emailed to an unknown person and there is no way to get an answer from Experian..'

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 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ORG GC GP BUYER, LLC
State: CO

Complaint narrative:
Complaint Against : Intelogix ( Collection Agency ) Nature of Complaint : Harassment, FDCPA Violations, Wrong Person Contacted Details of Complaint : I am filing this complaint because Intelogix has engaged in a pattern of harassment in direct violation of the Fair Debt Collection Practices Act ( FDCPA ). This company has been repeatedly contacting me by phone and text message for a person named XXXX XXXX. I am not this individual and have told Intelogix multiple times that they have the wrong number. Despite my clear and repeated instructions, they continue to target me with unwanted and intrusive communications. 
On XX/XX/year> at XXXXXXXX XXXX, I received the following unauthorized text message from Intelogix XXXX XXXX XXXX : Hello, XXXX You'll receive acct msgs from Intelogix a Debt Collector. # of msgs varies by acct. XXXX & XXXXXXXX XXXX XXXX XXXX XXXX XXXX Your XXXX acct with a bal of {$3500.00} is past due. Pls call XXXX or visit us online. XXXX XXXX XXXXXXXX Opt-out txt STOP This message is not only misdirected but was sent after I had already informed Intelogix that they are contacting the wrong person. The company is knowingly and willfully disregarding my rights. 
Furthermore, when I directly asked an Intelogix agent if they are a collection agency, the representative refused to answer my question. This is a blatant violation of the FDCPA, which legally requires debt collectors to clearly identify themselves and their purpose. Their refusal to comply with the law demonstrates a complete lack of accountability and transparency. 
At this point, Intelogixs conduct amounts to harassment and abuse. Their continued contact is interfering with my job, causing unnecessary stress, and disrupting my daily life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: MORTGAGE SOLUTIONS OF COLORADO
State: NC

Complaint narrative:
I'm trying to get a third party authorization processed with Mortgage Solutions Financial so we may discuss the short sale the borrower is pursuing. I sent the third party authorization form on XX/XX/XXXX around XXXX XXXX  and as of XX/XX/XXXX we are still not authorized, despite many attempts to call in and get required information for the sale. The authorization was confirmed to be received because the loan processor who gave me the appraisal told me he sees they have received it, they just haven't authorized us yet. The loan processor confirmed their receipt via email on XX/XX/XXXX. 

Additionally, the customer service rep I've mainly spoken with from Mortgage Solutions has told me numerous times that it's not a requirement for homeowners to have to verbally call in and authorize us. Today however, the same service rep told me we'll have to have them call in. If that's true, then they've wasted XXXX weeks of time by not telling us earlier, since I've complained about this issue to her before. When I complained prior, the rep told me there's nobody higher I can escalate my issue to with them. 

Mortgage Solutions has had a document to review and process for over XXXX weeks now that allows them to speak with us, and we are somehow still not authorized with them even though XXXX of their loan specialists informed me they have the document, they just haven't processed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
All the credit monitoring reporting systems are unfair to consumers especially the elderly who have paid off their mortgages and have no car payments or revolving accounts, only credit card payments that are paid timely. My XXXX XXXX is XXXX ( dropped XXXX pts ) when I bought a car with cash instead of installment financing. I have no late payments, all credit cards ( XXXX open ) are paid in full monthly, and a significant balance in savings & checking accounts. I feel my score should be perfect. Yet, because I dont have any installment payments my score is rated very good instead of excellent. This rating could affect any future interest rates, if i choose to mortgage anything or purchase anything significant. Pls advise This is all XXXX  credit reporting systems XXXX, XXXX, Equifax

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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-08-29 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I have been requesting the signed original contract to prove my identity on the dept since XXXX, they keep sending me statements but nothing showing I am the owner I am a victim of identity theft

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 2025-08-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Central Research Inc
State: WY

Complaint narrative:
I graduated in XXXX of XXXX  with a XXXX. I had taken out federal student loans. XXXX company sent me information saying I owed on my student loans in XXXX when my grace period was up. CRI sent me mail saying I was over XXXX days past due on loans I didn't even know they serviced. When I called to address the situation, I asked why I was not given a 6 month grace period after graduating. They said they did not need to give me a grace period. I then tried to change my repayment plan with federalaid.gov and when I asked them about the grace period, they said no servicer is allowed to waive the grace period after graduating from college. I am filing a complaint because CRI 's actions have caused negative marks on my credit, almost put me into default, and their information about grace periods was inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: NH

Complaint narrative:
This is a follow-up to Complaint ID # XXXX. Portfolio Recovery Associates , LLC ( PRA ) continues to furnish alleged debts to the credit reporting agencies without marking the tradelines as disputed despite my formal disputes. PRAs CFPB response failed to confirm that the accounts were reported as disputed, which is a clear violation of : FDCPA 807 ( 8 ) ( 15 U.S.C. 1692e ( 8 ) ) prohibits communicating credit information known to be false, including failing to communicate that a debt is disputed.

FCRA 623 ( a ) ( 3 ) requires furnishers to accurately report disputed accounts to credit reporting agencies.

This is not a new or unsettled issuefederal courts have already ruled against PRA on this exact violation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PRA violated 1692e ( 8 ) by failing to report a debt as disputed to the CRAs. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX failure to report debt as disputed constitutes a material misrepresentation under the FDCPA. 
By reporting an unvalidated debt as undisputed, PRA materially misleads third parties and damages my credit standing.

PRA is a repeat offender that has already been found liable in federal court for the same conduct ( XXXXXXXX XXXX XXXX ), demonstrating a pattern of noncompliance that warrants heightened regulatory scrutiny.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: MA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-29 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: EQUIFAX, INC.
State: MA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 2025-08-29 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: MD

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 XXXX 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 : INQUIRIES XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} 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, as proof from the XXXX 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