vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: The J. G. Wentworth Company
State: NY

Complaint narrative:
XXXX  started to use this service but changed my mind. I instead wanted to continue paying & keeping my credit intact. The company, XXXX XXXX, proceeded to send POA documents after cancellation of their services. They continually send emails, harassing contact, messages. I did not think I would be pressured into dealing with this company after canvelling. My fees for their service did not make sense- I could pay that money to my creditors.

This has caused more aggravation than it has been worth. I have to agree with what DOGE was doing to some of the co.panies & agencies. I understand now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: GA

Complaint narrative:
I respectfully request the immediate removal of the inaccurate item from my credit report, as it does not pertain to me and is entirely incorrect.

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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My nonpublic personal information has been unlawfully disclosed to XXXX XXXX XXXX  without my consent, violating my privacy rights under federal law, including the XXXX XXXX. Additionally, the listed items have been furnished without a permissible purpose, in direct violation of FCRA XXXX ( XXXX XXXX. XXXX ). Furthermore, under FCRA XXXX ( XXXX U.S.C. 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 2025-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Management Partners, LLC
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting a formal complaint regarding Receivables Management Partners , LLC due to their questionable debt collection practices for XXXX separate XXXX  debts they are attempting to collect. My concerns are as follows : - Failure to Provide a Hard Copy Notice : Receivables Management Partners , LLC has never sent me a physical letter regarding the alleged debt they are attempting to collect. 
- Instead, they have only contacted me via text messages with XXXX images and containing a link, which raises concerns about legitimacy and compliance with debt collection laws. With all the scams going on, in no way would I click a link on my phone to give personal information. 

- Excessive Phone Calls : I have received numerous calls from this agency, which XXXX constitute XXXX  under the Fair Debt Collection Practices Act ( FDCPA ). 

- * * * * Falsification of Debt Amounts : The company has inflated the amount of XXXX  debt owed, making it appear as if they have reduced the debt when, in reality, the original charges were significantly lower : ( XXXX ) Reference XXXX - showing XXXX  debt as of XXXX owed of {$1300.00} and amount credited of {$1300.00} - THIS IS INACCURATE ( see invoice XXXX for cross reference which has a detail of all charges ) ( XXXX ) Reference XXXX - showing XXXX debt as of XX/XX/year> owed {$3300.00} - and amount credited of {$3400.00} - THIS IS INACCURATE ( ( see invoice XXXX for cross reference which has a detail of all charges ) I have proof of the original charges, which are well below the amount Receivables Management Partners , LLC is claiming. 

I request that the CFPB investigate these practices and ensure compliance with federal debt collection regulations. Please advise on the next steps I should take to dispute this matter effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: SC

Complaint narrative:
I was utterly shocked and devastated upon discovering XXXX accounts, XXXX 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 non-monetary relief
Consumer complaint received 2025-06-03 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: SC

Complaint narrative:
I was utterly shocked and devastated upon discovering XXXX accounts, XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial XXXX and has significantly affected XXXX XXXX  The XXXX XXXX XXXX XXXX XXXX XXXX  with these unresolved discrepancies has been XXXX 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-06-03 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: MD

Complaint narrative:
I am requesting deletion of fraudulent accounts that appeared due to a breach of my personal data. Pursuant to Section XXXX of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ( a ) ), please block and remove them within XXXX  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 XXXX : XXXX XXXX XXXX XXXX MD XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$0.00} Inquiries XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  XXXX XXXX : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/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 non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
This CFPB Complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C XXXX ) that you Equifax XXXX XXXX XXXX XXXX And in accordance with ( XXXX U.S.C XXXX ( A ) ( B ) ( C ) XXXX XXXX XXXX XXXX not give you Equifax and or creditors Permission to furnisher my personal information.I request that you delete and Block personal information within XXXX  days of receiving this aforementioned accounts.I have attached a cope of FTC Identity Theft Criminal Complaint XXXX XXXX XXXXXXXX ) as proof from the XXXX XXXX XXXX XXXX fraudulent inaccurate and false information consists of. ( 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: LA

Complaint narrative:
I am disputing multiple XXXX XXXX inquiries. I did not initiate any applications or transactions that would justify these inquiries. These repeated pulls of my credit are completely XXXX  and XXXX be the result of identity theft or misuse 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 2025-06-03 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: LA

Complaint narrative:
I am formally disputing an inaccurately reported XXXX payment. I have always maintained a perfect payment record on this account and take my financial responsibilities seriously. This XXXX  payment entry is not only incorrect, but it is also severely affecting my XXXX XXXX and 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 2025-06-03 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:
I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account name : XXXX XXXX XXXX  Account number : XXXX Open Date : XX/XX/XXXX Balance : {$910.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account name : XXXX XXXX XXXX XXXX Account number : XXXX Open Date : XX/XX/XXXX Balance : {$2300.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account name : XXXX XXXX XXXX Mortgage Account number : XXXX Open Date : XX/XX/XXXX Balance : {$55000.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: GA

Complaint narrative:
Despite consistently meeting all payment deadlines, this issue has caused undue XXXX XXXX XXXX XXXX. It's concerning to face repercussions for actions I haven't taken. I kindly request an immediate correction to my account to reflect accurate information and mitigate the XXXX  caused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: MI

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under XXXX XXXX code XXXX ( b ) and XXXX use XXXX ( XXXX ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX # XXXX - Date Opened XXXX Account Name : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/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 2025-06-03 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: TX

Complaint narrative:
These accounts were not opened by me and appear to be fraudulent. I urge you to conduct a detailed review and remove them from my credit report. Relevant supporting documents are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
Fraudulent Accounts : XXXX XXXX : This account is not mine and appears to have been fraudulently opened. I did not authorize or initiate any transactions or credit inquiries with this entity. 

Caine & Weiner : This is also not my account. I have no knowledge of or association with this account, and it appears to be the result of identity theft or reporting error. 

Please investigate these accounts, provide verification of their validity, and if they can not be verified, promptly remove them from my credit report in accordance with the Fair Credit Reporting Act ( XXXX  ). 

Incorrect Addresses : The only addresses that should appear on my credit report are : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Please remove any other addresses that may be listed, as they are incorrect and may be related to fraudulent activity. 

I have enclosed a copy of my government-issued ID and a recent utility bill to verify my identity and current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: PA

Complaint narrative:
I am bringing this issue to your attention due to the failure of the credit bureauXXXX to respond appropriately to my disputes regarding incorrect negative items on my credit report. I have made several attempts to resolve these inaccuracies, but instead of meaningful investigation, I have received repetitive and dismissive replies. This lack of due diligence violates the Fair Credit Reporting Act ( FCRA ) and has led to a decline in my XXXX XXXX, making it difficult to secure financial opportunities and causing 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 2025-06-03 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: GA

Complaint narrative:
I am writing to request the swift removal of unauthorized accounts from my credit report, as I did not authorize them and was unaware of their existence. Under XXXX U.S.C. XXXX of the Fair Credit Reporting Act, please delete these entries within XXXX  days. Supporting documents are enclosed for your reference.

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 2025-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am reporting numerous incidents of compromised personal information resulting from XXXX XXXX XXXX  over the span of XXXX  years. Despite taking security precautions, my XXXX has been continuously XXXX due to corporate negligence and lack of proper safeguards. 

I have been notified of the following breaches : Equifax XXXX : I filed a claim due to the massive data breach. I was issued a settlement via XXXX  card. 
XXXX : XXXX occurred in XX/XX/XXXX. My Social Security number was compromised. 
XXXX XXXX XXXX XXXX XXXX : Occurred on XX/XX/XXXX. My phone number was among the exposed data. 
Verifications.io : Data breach dated XX/XX/XXXX. My email address was exposed. 
XXXX : XXXX on XX/XX/XXXX. Email compromised again. 
XXXX : Multiple breach listings showing my Social Security number was exposed. 
Additional breaches listed with dates including : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX My compromised data includes : Full Social Security number Personal phone number : ( XXXX ) XXXX Email : XXXX Other personal and financial identifiers Due to this repeated exposure : I have experienced XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have had to monitor my credit file constantly, and I am now considering a XXXX XXXX XXXX XXXX XXXX XXXX 
I am requesting full investigation and regulatory action under the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ). 

Please hold these companies accountable and ensure that further consumer protection and enforcement actions are taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
In XXXX of XXXX, I made a purchase in XXXX XXXX XXXX XXXX with a XXXX XXXX  card ( Synchrony Bank ). The charge was an ~ {$800.00} purchase and now {$1300.00} due to interest. 

Synchrony bank had my contact information - both phone number and email address on file. I was never informed of a XXXX payment in the billing cycle. I believe the reason could have been because of the chaos of peak XXXX at the time. 

However, as a result, Synchrony bank closed the XXXX charge in XX/XX/XXXX. I was listed as XXXX on the payment even though I had never received notice of past dues. Since XX/XX/XXXX, Synchrony bank has been XXXX XXXX my XXXX  XXXX XXXX. This has XXXX XXXX  my XXXX XXXX for XXXX  years and counting and will continue for XXXX more years. 

For the past XXXX  years, I have been XXXX XXXX XXXX  card & loan application and I did not know why. Essentially, my XXXX XXXX XXXX is being counted as XXXX because Synchrony bank continues to XXXX XXXX the account. 

I have reached out to Synchrony bank as well as the XXXX XXXX to resolve this XXXX XXXX & have not received a valid response. 

Synchrony bank closed my account without proper notification and continues to XXXX XXXX XXXX XXXX XXXX XXXX   years later. They will not let me pay the owed amount to remove the payment history as well. 

I have uploaded proof of an XXXX XXXX that has been XXXX XXXX XXXX for the same XXXX  year period. I have always been able to pay off the charge- but was never notified. Additionally, I am now starting to be declined from my XXXX benefits because of this charge. Documentation also attached.

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