vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$690.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$00.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3400.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$520.00} INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: FL

Complaint narrative:
I am writing to address an outrageous violation of my rights under federal law. You have unlawfully and knowingly reinserted an account that was previously deleted from my credit report without providing the legally required notice. This is a direct and willful violation of the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 5 ) ( B ).

The following account was previously deleted after a lawful dispute process, but it has now been reinserted on my credit file without : Written notice of reinsertion within five ( 5 ) business days, as required by FCRA 1681i ( a ) ( 5 ) ( B ) ( ii ) Certification of accuracy from the data furnisher, as required by FCRA 1681i ( a ) ( 5 ) ( B ) ( i ) XXXX XXXX XXXXXXXX

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 2025-06-18 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: 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. 

FRAUDULENT ACCOUNTS : Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally disputing multiple violations of my consumer rights resulting from the inaccurate, negligent, and non-compliant reporting of my personal credit file. You are obligated under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., and Metro 2 data standards to ensure the maximum possible accuracy of any data you furnish.

FAILURE TO MAINTAIN ACCURACY & COMPLIANCE : Your continued dissemination of false information directly violates FCRA 1681e ( b ). The presence of inaccurate names, addresses, employers, dates of birth, and unauthorized inquiries reflects a gross failure to ensure data integrity. The Metro 2 2020 CRRG makes clear that ANY deviation from the standard jeopardizes data integrity. You are now on notice. 

ILLEGAL AUTOMATED PROCESSING OF DISPUTES : Furthermore, I am aware of your unlawful practice of using automated form-letter responses to dispute investigations. This violates my rights under FCRA 1681i ( a ) ( 4 ), which mandates that each dispute be reviewed individually, not processed with generic template responses. Failure to conduct a meaningful investigation constitutes willful noncompliance under FCRA 1681n. 

DEMAND FOR VERIFIED PROOF : I demand that you provide complete, verified documentation for every claim being reported. This includes signed contracts, applications, and original source documents to substantiate the reporting of these personal identifiers and inquiries. The burden of proof lies with you. Failure to comply will be documented as additional evidence of reckless disregard and potential fraud. 

PERSONAL INFORMATION BEING DISPUTED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is your legal obligation. I expect all unverifiable and non-compliant data to be PERMANENTLY DELETED from my credit file. Failure to comply will leave me no choice but to escalate this matter to the CFPB, FTC, State Attorney General, and private legal counsel for statutory damages. 

You have XXXX  days to complete a proper investigation and respond with full validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block 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. The following items do not belong to me and is a result of fraud that I did not authorize : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXX Date : XXXX XXXX TransUnion XXXX. XXXX XXXX  XXXX, PA XXXX Re : Request for Debt Validation - Account - XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : I am writing in response to an account that I noticed on my credit report on XXXX XXXX about an alleged debt that your company claims I owe. Please be advised that this is a formal request for validation of the alleged debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

I am requesting the following information : XXXX. The name and address of the original creditor. 
XXXX. The full amount of the alleged debt, including a breakdown of interest, fees, and other charges. 
XXXX. A copy of the original contract or agreement bearing my signature. 
XXXX. Proof that your agency is legally authorized to collect this debt in my state. 
XXXX. Verification that you are licensed to collect debt in [ Your State ], including your license number and registered agency name. 

Please cease all collection efforts, including reporting to the credit bureaus, until you provide the requested validation. Be advised that failure to provide this information within XXXX  days of receiving this letter will be considered a violation of the FDCPA. 

This letter is not a refusal to pay, but a request for clarification and proof regarding the debt in question. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-06-18 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: MI

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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXXK XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - XXXX Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2025-06-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ

Complaint narrative:
We have a VA-backed home loan serviced by PennyMac Loan Services , LLC . In XX/XX/year>, we submitted a formal written request for full debt validation, including a breakdown of all charges, proof of ownership, chain of title, and documentation establishing PennyMac 's legal authority to foreclose. Although they acknowledged receipt of the request, they failed to provide the required documentation.

Despite this, we received a foreclosure notice from their attorney, XXXX XXXX XXXX, XXXX, setting a sale date for our home. We believe the servicer is proceeding without complying with 12 CFR 1006.34 and the FDCPA, and without validating the debt or confirming their legal authority. 

We request CFPB assistance to halt foreclosure proceedings and ensure compliance with federal mortgage servicing laws. We also ask that PennyMac provide the requested documents and correct any inaccurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am requesting a refund of interest charged to my XXXX XXXX XXXX XXXX. 
XX/XX/year> XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$120.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: MI

Complaint narrative:
I can't access my account. The fraud department requested my id emailed to XXXX and to wait XXXX to XXXX hours for them to verify. I received a return email. Everytime I call customer service asks me to resend the email and again wait. We are now at the XXXX day mark with no resolution in site. Supervisors are no help and will ask you to repeat the process. I have and see no end to this ridiculous process. I need access toy account that has benefits need immediately to prove for my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: RI

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Subject : Systemic FCRA and FDCPA Violations Synchrony Bank Accounts ( Including Account Ending in XXXX ) Via a telephone call with XXXX XXXX XXXX  in XX/XX/year> stated that Synchrony had not fully FCRA validated debts. That they had sent Demands to Delete to the Credit Bureaus and the Creditors that were in this state in XX/XX/year>. 

Summary of Complaint : I am filing this complaint regarding multiple Synchrony Bank accounts, including but not limited to the account ending in XXXX, which were charged off and/or sold to third-party collectors. These accounts are being reported on my credit reports with derogatory statuses, yet no proper validation was ever provided under FDCPA 809 ( b ) or FCRA 623 ( a ). This includes failure to provide : Written notice of debt ownership or assignment Full account-level documentation ( e.g., original agreements, payment history, DOFD ) Proper Metro 2 coding to reflect sold/transferred status Cessation of monthly updates post-sale, which constitutes illegal reaging Violations Identified : XXXX. Synchrony Bank : o Failed to validate debts prior to reporting or transferring to collectors o Continued updating tradelines monthly after charge-off or sale o Did not mark accounts as sold/transferred in violation of Metro 2 Field 17A 2. Credit Bureaus ( XXXX XXXX XXXX XXXX XXXX : XXXX Are publishing inaccurate and misleading tradelines o Have failed to correct or suppress disputed accounts despite multiple disputes o Are enabling reaged accounts to remain on file beyond the XXXX FCRA limit XXXX. Third-Party Collectors ( if applicable ) : Have reported collections without providing full validation Are attempting to collect on debts that were never substantiated

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Subject : Dispute of Derogatory Credit Reporting THD/CBNA ( Credit Report # XXXX ) To Whom It May Concern, I am writing to formally dispute the derogatory information reported on my credit file related to a closed THD/CBNA ( Home Depot ) credit card account. The negative entry appears to be associated with a second card, which is not connected to the current account I hold. 
I have contacted Home Depot multiple times regarding this issue. According to a representative named XXXX, there is no record of any delinquency or unresolved balance. She noted that XXXX of the accounts was closed due to duplication, which suggests that a duplicate card may have been issued without my knowledge. 
Due to personal hardship, I was unable to closely monitor my financial accounts during that time and was unaware of the existence of a second card. I was never contacted about any outstanding balance, and I reasonably believed the account had been fully closed and settled. 
I respectfully request that this inaccurate and unjust derogatory mark be removed from my credit reports with Equifax, Experian, and TransUnion. Its continued presence is negatively impacting my credit score and financial well-being. 
Thank you for your prompt attention to this matter. I look forward to a timely resolution and the correction of this error on my credit report. 
Sincerely, Consumer

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: GA

Complaint narrative:
I am submitting a formal consumer complaint against Experian for continuing to report multiple student loan tradelines that are inaccurate, misleading, and legally noncompliant under the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and Metro 2 reporting standards. 

Experian has repeatedly refused to provide the legally required Method of Verification ( MOV ) in response to my formal disputes. Under the Fair Credit Reporting Act 611 ( a ) ( 7 ) and 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I have the right to request a description of the procedure used to determine the accuracy and completeness of disputed information. Despite multiple requests, Experian has never provided the name of the data furnisher, how the investigation was conducted, or proof that the information was verified as accurate. This ongoing refusal is a clear violation of FCRA and directly obstructs my right to a fair dispute process. 

These accounts contain the following violations : XXXX. Cloned or Duplicative Tradelines : Experian is reporting multiple tradelines for the same student loan, all using identical account numbers but different open dates. This misrepresents the debt and artificially inflates my total number of derogatory accounts. I have never received a breakdown or master list showing the full chain of custody for these accounts, despite repeated requests under FCRA 611 ( a ).

2. FCRA 607 ( b ) Misleading Payment Histories : All of the loans reflect a jump directly from OK or ND to 90 Days Late in XX/XX/year>, with no reporting of XXXX or XXXX delinquencies beforehand. This is a clear violation of Metro 2 guidelines, which require progressive, sequential delinquency reporting. Reporting a XXXX late without proper substantiation is both misleading and unlawful. 

XXXX. Truth in Lending Act 1637 ( b ) : No periodic billing statements or proper disclosures were ever provided at least XXXX  days prior to the alleged due dates. I have formally requested this documentation and received no response. If I never received these notices, the delinquency is invalid under TILA and Regulation Z. 

XXXX. Failure to Block Fraudulent Information FCRA 605B : I have already submitted an FTC Identity Theft Report for these accounts and requested that they be blocked under 605B. Despite this, Experian continues to report them a direct violation of the XXXX rule for blocking fraudulent tradelines once proper documents are received. 

XXXX. Ongoing Harm and Damages : Due to this inaccurate reporting, my credit score dropped by over XXXX points. I was denied a mortgage and experienced extreme financial and emotional distress. These violations are causing measurable, ongoing harm.

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 2025-06-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: GA

Complaint narrative:
my account was charged {$210.00} on XX/XX/year> and I've never had service with this provider ( att ). I ent over proof of who my services are with and the card issure was unwilling to help stating they see no error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: NJ

Complaint narrative:
Send XXXX dollars to my wife in XXXX trough XXXX XXXX and money never arrived

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Stars in XXXX I need to be changed to positive I got supporting documents supporting that XXXX  has changed it I need to change right away or consumer laws being violated

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