vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-29 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: OH

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law. 

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows : XXXX XXXX XXXXXXXX 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 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 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 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 2025-11-29 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: GA

Complaint narrative:
I am filing this complaint because TransUnion, and Equifax has failed to remove multiple unauthorized items from my credit report, including hard inquiries, accounts, and other information that I did not initiate or authorize. These items are fraudulent, and despite my repeated attempts to dispute them, neither has not taken any corrective action. Their failure to investigate and remove inaccurate information is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) as a consumer. 

Furthermore, These agencies have been withholding the most up-to-date and accurate information regarding my credit file. They have repeatedly given me a difficult time accessing their online system, preventing me from properly monitoring, reviewing, or disputing inaccurate or false information. This ongoing obstruction further violates my rights as a consumer. 
Both agencies consistently waits the full 30 days and then improperly validates disputed information without providing any proof or documentation supporting their validation. Their failure to conduct a proper investigation and their refusal to correct or delete fraudulent information have caused ongoing harm such as misrepresentation of my credit file and credit score. There needs to immediate regulatory attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$640.00} XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-11-29 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: Affirm Holdings, Inc
State: GA

Complaint narrative:
On approximately XX/XX/year> I disputed debts on my account of {$1200.00} by filing a theft of identity with the local police and mailed them to multiple debt companies and credit unions but their still showing up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: DC

Complaint narrative:
XXXX I applied to free savings account XXXX interest payment XXXX XXXX XXXX they charged me a $XXXX  maintenance feeXXXXXXXX interest $XXXX they charged me a $XXXX  maintenance fee XXXX I applied for secured credit card $XXXX  XXXX they accepted payment and displayed credit card account on mobile appXXXX random savings account with transfer of $XXXX  available in 30 days XXXX statement shows up on mobile app XXXX I called and asked for explanation they said they dont know whats happen they cant give me $XXXX  maintenance fee back. Then I asked about when will my credit card be available they say the application was denied and they are putting my money into a saving account that I did NOT ASK FOR ONCE AGAIN. XXXX  I asked can I have my my $XXXX  back and they said it will be available in 30 days for me to look on my app and they can do any thing about it but to wait 30 days for them to return $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 2025-11-29 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: AR

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
This is now the second time I have disputed SYNERPRISE CONSULTING SE from credit report. I have never done business with this company requested copy of validity of debt the last dispute with XXXX. There is incorrect information associated with my name and this debt. Instead of investigating if this debt is valid Experian has given me a generic reply and it has remained on my credit. This unfair to myself the consumer. This is why Im re-disputing while also file complaint with CFPB on SYNERPRISE CONSULTING SE & XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: AR

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity.

Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

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 2025-11-29 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity.

Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: P&B Capital Group, LLC
State: IL

Complaint narrative:
The company is a p & b capital group when I was contacted by them for a debt total amount was XXXX I was told that there was going to be high legal consequences if I didnt come up with XXXX  dollars immediately then I talked to attorney on my behalf and they stated they cant do that and the person named XXXX continued to be very pushy and telling me my attorney was giving me wrong information and needed to pay immediately so I cashed my XXXX and made a XXXX dollar payment and it hasnt stopped since as I was off work for medical reasons and yet he tried to tell me I was working

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-29 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Mr Cooper Mortgage neglected to pay insurance premiums taken out XX/XX/year> XXXX  XXXX  XXXX XXXX XXXX Florida canceled policy for none payment I was paying more towards principal on my loan. After I did research found out that money wasn't going towards the principal, but instead towards a very high rate insurance policy ( XX/XX/year> ) Mr. Cooper took out because XXXX XXXX canceled for none payment. Spoke to XXXX at XXXX XXXX. 

The XX/XX/year> policy was canceled and new policy established XX/XX/year> with XXXX XXXX XXXX notification today, that policy is going to be canceled for non payment. 

I WANT A CRIMINAL INVESTIGATION DONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NEW YORK COMMUNITY BANCORP INC
State: FL

Complaint narrative:
I opened a new XXXX XXXX  XXXX XXXX account in branch on XX/XX/year> using the attached bonus offer which stated I would receive a {$500.00} bonus with the following requirements : Open a XXXX Ready Checking or XXXX XXXX XXXX account with {$50.00} or more. 

Maintain an average daily balance of {$500.00} or more for the XXXX  XXXX  days. 

Set up XXXX or more direct deposits totaling {$500.00} or more in the first XXXX  days. 

I have completed these requirements and have not received the bonus as of yet, and would like to know when my account will be credited

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 2025-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I am disputing the collection account with XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX,. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX, XXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I received a letter stating they are adding {$380.00} interest, claiming that I owe the bank this. They have no contact information about this previous loan which has nothing to do with my car loan. I dont owe the bank anything but my car loan. I dont feel like this is legal to do especially after I have been paying over a year and five months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: 2288984 Ontario Inc.
State: MI

Complaint narrative:
I consolidated my debt with a debt consolidation company ( XXXX ). The company has been paying my creditors but the payments aren't reflecting and the accounts are still being reported as XXXX days past due and as charged off. I've provided proof of them accepting to be paid through XXXX and dates payments were made to them, which is every XXXX weeks. Nothing is being updated with the credit bureaus and the neglection of these companies doing this is causing irreparable damage to my credit. 
The other account I want to file a dispute on, offered me a settlement amount that I paid the day they offered it but again the balance the same and the account is labeled as a charge off instead of reflecting the balance has been paid or settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tower Loan of Mississippi, Inc.
State: AL

Complaint narrative:
I was charged double interest when making on time payments during the loan term never gotten assistance in redoing the terms or re opening or refinancing my loan due to my hardship

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 2025-11-29 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: MI

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 2025-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
{$420.00} Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts I've referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: OH

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law. 

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows : XXXX XXXX XXXXXXXX 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 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 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 non-monetary relief