vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-19 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-04-18 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: PA

Complaint narrative:
When I checked my credit report today, I noticed some accounts that shouldnt be there, and Im not sure how they appeared. I routinely monitor my credit, but this time something was clearly off. I tried refreshing the page to rule out a browser error, but that didnt fix the issue. These false accounts remained, so Im asking that my submitted documents be carefully examined to prevent this kind of stress in the future.

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 2025-04-18 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: NY

Complaint narrative:
Please remove and block the unauthorized accounts listed on my credit report at your earliest convenience. I did not authorize or create these accounts and am unaware of where they originated. As per USC 1681g, I am requesting their removal within 15 days. Supporting documentation is included for your careful evaluation. The information reported varies between credit bureaus and is 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 explanation
Consumer complaint received 2025-04-18 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate XXXX XXXX XXXX XXXXXXXX * * * * {$16000.00} {$16000.00} XXXXXXXX XXXX XXXX XXXX * * * * - - XXXX XXXX  XXXX XXXX * * * * {$220.00} {$220.00} XXXX XXXX XXXX XXXX * * * * {$4900.00} {$4900.00} XXXX XXXX * * * * {$180.00} {$180.00} XXXX XXXX XXXXXXXX XXXX * * * {$1900.00} - ADDRESSES NOT RECOGNIZED 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 ExperianXXXX XXXX XXXX XXXX XXXX XXXX Equifax, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, XXXX XXXX XXXX Equifax, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian , XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian , XXXX XXXX XXXX XXXX XXXX XXXX Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXXxperian , XXXX XXXX XXXX XXXXXX/XX/year> TransUnion 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( 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 seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a 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 explanation
Consumer complaint received 2025-04-18 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate XXXX XXXX XXXX XXXXXXXX * * * * {$16000.00} {$16000.00} XXXXXXXX XXXX XXXX XXXX * * * * - - XXXX XXXX  XXXX XXXX * * * * {$220.00} {$220.00} XXXX XXXX XXXX XXXX * * * * {$4900.00} {$4900.00} XXXX XXXX * * * * {$180.00} {$180.00} XXXX XXXX XXXXXXXX XXXX * * * {$1900.00} - ADDRESSES NOT RECOGNIZED 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 ExperianXXXX XXXX XXXX XXXX XXXX XXXX Equifax, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, XXXX XXXX XXXX Equifax, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian , XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian , XXXX XXXX XXXX XXXX XXXX XXXX Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXXxperian , XXXX XXXX XXXX XXXXXX/XX/year> TransUnion 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( 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 seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and Equifax 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. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXXXXXX BALANCED {$13000.00} XXXX XXXX  XXXX BALANCED {$1000.00} XXXX XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCED {$460.00} XXXX XXXX XXXX XXXX BALANCED {$500.00} XXXX XXXX XXXX {$3200.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 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 # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
No! I've requested the financial documents from XXXX XXXX XXXX, of Synchrony Bank. I have found a few overcharges, double charges, and late fees on my statements. I explained to Ms.Brown that I needed a copy of all my statements dating back to XXXX. I requested a print out for every charge, purchase, returns, and payments from the prior years. I also requested a breakdown for the {$1000.00} USD, she explained that it was correct but it was hard for the representative to understand my account, but it was correct. 
I called XXXX XXXX about the documents and the calculations on the XXXX and XXXX calculations, however, she never returned my phone call. I received a statement which explains the charges for {$1000.00} USD as well as the late fees. Which I found ironic, that I'm being charged late fees since they lied about {$1900.00} USD that they said, I owed before and after they claimed they credit the {$1500.00} USD. I really don't want to pursue a court case, and I am tired of fighting with Synchrony Bank embezzling the customers money. I have already explained the steps that I want from Synchrony Bank to correct this situation! I have not received the documents that I requested.

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 2025-04-20 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: RI

Complaint narrative:
I am writing to file a formal complaint against transunion, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectity a violation regarding the reinsertion of previously deleted material into my credit report. I sent a letter to transunion notifying them of the reinsertion of the XXXX XXXX  account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). waiting for 35 days atter sending the letter, transunion has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. XXXX  actions have caused signiticant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with transunion they have neglected to take appropriate action, a lack of accountability and compliance with federal consumer protection Laws.

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 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: OK

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was using XXXX through my Chase bank account without issue. Recently, I was unexpectedly unenrolled from XXXX and now receive an error when trying to re-enroll, stating : This mobile number or email address wont work with XXXX. To continue, please tell us a different one. 

I contacted Chase multiple times, and they told me that XXXX XXXX operated by XXXX XXXX XXXX XXXX XXXX ) has blocked my email and phone number, and theres nothing they can do. I then contacted XXXXXXXX XXXX XXXX XXXX XXXX directly, and they told me the block is coming from Chase.

Both companies are pointing at each other and refusing to take responsibility or provide any clear explanation or resolution. I am stuck without access to a service that is critical for transferring funds, with no transparency or due process. 

Furthermore, XXXX XXXX XXXX operates as a consumer reporting agency under the Fair Credit Reporting Act ( FCRA ), and this block appears to have been placed without notice, opportunity to dispute, or access to any report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Health Corporation
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Ky XXXX are not sending the correct updated balance to Experian. I have proof of payments made. 

The XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX has false information. Any kind of accounts I have was paid with a Check or money order. And is paid in full. 

Thanks for reading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: FL

Complaint narrative:
Account # XXXX XXXX XXXX XXXX XXXX 1. Inconsistent Reporting of High Credit and Credit Limit Equifax reports High Credit as {$10000.00} and Credit Limit as {$0.00} which doesnt make sense for a revolving account. 
Experian reports the Credit Limit as {$10000.00}, which aligns with expectations for a secured card. 
TransUnion shows {$0.00} Credit Limit, which can negatively affect credit utilization calculations. 
2. Minor Late Payment Notations Theres a 30-day late mark on XX/XX/year> in both TransUnion and Experian, which could harm your score especially since the account is now paid and closed. 
Conflicting credit limit and high balance data across bureaus. 
A XXXX late payment reported in 2023 potentially incorrect if payments were on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Fraudulent accounts were opened in my name without my consent as a result of being a victim of XXXX XXXX  These accounts include auto loans, credit cards, and collection accounts from various financial institutions. I was coerced into financial arrangements that I could not control, resulting in adverse entries on my credit report. Upon escaping the XXXX situation, I discovered multiple unauthorized debts negatively impacting my credit. On [ specific date ], I contacted the credit bureaus to dispute these accounts and began the process of clearing my credit profile. I also worked with XXXX XXXX, a federally recognized organization assisting survivors oXXXX XXXX XXXX, to verify my XXXX XXXX and obtain supporting documentation. Despite my efforts, the disputed accounts have not been fully removed or corrected. On I filed an identity theft report with the Federal Trade Commission ( FTC ) and submitted documentation to TransUnion requesting the removal of fraudulent accounts under 12 C.F.R. 1022.142. Additionally, I requested copies of all account statements and evidence of debt legitimacy from the creditors involved. As of now, the following unresolved fraudulent accounts continue to affect me : 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 with a balance of {$0.00}. These fraudulent accounts have severely impacted my credit, preventing me from obtaining housing, employment, and financial services. I am requesting the CFPB to facilitate the immediate removal of these accounts and to ensure compliance with regulations protecting XXXX XXXX XXXX XXXX Thank you for your attention to this matter and for supporting survivors like myself in regaining financial stability.

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 2025-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
Midland Credit Management has repeatedly contacted family members after being requested not to. They harass me by calling repeatedly throughout the day for a debt I dispute. The acct # they have assigned me is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> Subject : Problem with a companys investigation into an existing problem To whom it concern : I am writing to formally dispute certain information in my credit file.

Creditor Name : XXXX XXXX XXXX XXXX XXXX, Target/TD, XXXX XXXX XXXX XXXX 
Reason for Dispute : Problems with a companys investigation into an existing problem I am requesting that the item ( s ) be investigated and corrected ( or removed ) from my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond within 30 days.

Please complete the investigation and update me with the results at your earliest convenience. If the information is found to be inaccurate, I request that my credit report be updated accordingly and that a corrected copy be sent to me.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> Subject : Problem with a companys investigation into an existing problem To whom it concern : I am writing to formally dispute certain information in my credit file. 

Creditor Name : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX 
R

eason for Dispute : Problems with a companys investigation into an existing problem I am requesting that the item ( s ) be investigated and corrected ( or removed ) from my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond within 30 days. Please complete the investigation and update me with the results at your earliest convenience. If the information is found to be inaccurate, I request that my credit report be updated accordingly and that a corrected copy be sent to me. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: TX

Complaint narrative:
There was an issue with auto pay. I set up auto pay in XXXX. I have been making payments on time. The company tried to take a payment of {$50.00} auto pay but due to insufficient funds the payment reversed. I wasnt aware it would cancel my auto pay automatically and it didnt attempt to pull again from the same card instead it left my account in past due and it effected my credit because I wasnt aware of the cancellation, so I called the company and they told me they could set up auto pay for me again. The lady told me over the phone they will not pull out the next {$50.00} until XX/XX/XXXX. That was a lie, because I checked my account today and a payment posted for {$50.00} when I tried to call back. Customer service stated they arent seeing a pending charge in their system but yet I was charged today on XX/XX/XXXX {$50.00} for a student loan payment that isnt being made in their system! So they advised me to call my bank XXXX XXXX and dispute the charge but now the bank is saying if I do this .. my card will no longer accept drafts from the student loans due to the dispute so Im not sure why Im having issues with auto pay but they stole {$50.00} from me on XX/XX/XXXX and its not reflecting in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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