vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 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: CA

Complaint narrative:
b"Please remove the following items from my credit report:-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  had not checked my credit report in a long time. I went to the bank and was informed of these accounts. I don't know who could have done this. This is identity theft and a nightmare."

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 2025-06-12 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:
b"Please remove the following items from my credit report:-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  had not checked my credit report in a long time. I went to the bank and was informed of these accounts. I don't know who could have done this. This is identity theft and a nightmare."

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 2025-06-12 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: NC

Complaint narrative:
I am writing to formally dispute several discrepancies in my credit report that appear inaccurate, unverifiable, or improperly reported. I respectfully request that all inaccurate personal information and any negative account data that can not be verified in full compliance with consumer law and XXXX XXXX standards be deleted immediately.

Credit reporting agencies are required under 15 U.S.C 1681e and 12 CFR Part 1022 ( Regulation V ) to maintain strict accuracy and conduct reasonable investigations when a consumer disputes information. Any deviation from these standardsparticularly those outlined in the XXXX XXXX XXXX Compliance Format and CRRGundermines the integrity of your data reporting. 

I am challenging the following personal information as incorrect : Name : XXXX XXXX XXXX Date of Birth : XXXX Employer : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX Previous Address : XXXX XXXX  XXXX XXXX XXXX, XXXX, NC XXXX Previous Address : XXXX XXXX XXXX, XXXX, NY XXXX Please provide physical evidence to support any derogatory or delinquent accounts currently appearing on my report, including documentation of the original creditor 's permissible purpose and my written consent. If such proof can not be produced, these accounts must be permanently deleted. 

I am also challenging the following collection : XXXX XXXX Account ID : XXXXXXXX XXXX XXXX XXXX XXXX Under 15 U.S.C 1681n and XXXX XXXX compliance, failure to correct or delete unverifiable or incorrect data is considered willful noncompliance. Any continued reporting without complete validation exposes you to financial liability of no less than {$1000.00} per violation, as well as potential court action. 

Unless I receive written confirmation that these claims have been deleted and an updated copy of my credit report is provided within 30 days, I will assume you are intentionally violating your legal responsibilities. I expect your full cooperation and resolution without delay.

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 2025-06-12 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: NC

Complaint narrative:
I am writing to formally dispute several discrepancies in my credit report that appear inaccurate, unverifiable, or improperly reported. I respectfully request that all inaccurate personal information and any negative account data that can not be verified in full compliance with consumer law and XXXX XXXX standards be deleted immediately.

Credit reporting agencies are required under 15 U.S.C 1681e and 12 CFR Part 1022 ( Regulation V ) to maintain strict accuracy and conduct reasonable investigations when a consumer disputes information. Any deviation from these standardsparticularly those outlined in the XXXX XXXX XXXX Compliance Format and CRRGundermines the integrity of your data reporting. 

I am challenging the following personal information as incorrect : Name : XXXX XXXX XXXX Date of Birth : XXXX Employer : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX Previous Address : XXXX XXXX  XXXX XXXX XXXX, XXXX, NC XXXX Previous Address : XXXX XXXX XXXX, XXXX, NY XXXX Please provide physical evidence to support any derogatory or delinquent accounts currently appearing on my report, including documentation of the original creditor 's permissible purpose and my written consent. If such proof can not be produced, these accounts must be permanently deleted. 

I am also challenging the following collection : XXXX XXXX Account ID : XXXXXXXX XXXX XXXX XXXX XXXX Under 15 U.S.C 1681n and XXXX XXXX compliance, failure to correct or delete unverifiable or incorrect data is considered willful noncompliance. Any continued reporting without complete validation exposes you to financial liability of no less than {$1000.00} per violation, as well as potential court action. 

Unless I receive written confirmation that these claims have been deleted and an updated copy of my credit report is provided within 30 days, I will assume you are intentionally violating your legal responsibilities. I expect your full cooperation and resolution without delay.

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 2025-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Hello I applied for the venture one card to receive a balance transfer promotion and XXXX points. I have just been made aware they promote two venture one products with the same name that have different offers tied to them. I can understand personal versus business having the same product name but the same name with two different products is absurd. In all promotional material the card with no offer isnt advertised, because why on earth would I apply for the card that doesnt have the offer. 

I have an existing relationship with CapitalOne. I have called them and tried to remedy this. Regardless of the outcome I want it known that capitalone is practicing deceptive marketing. I couldnt care less what internal compliance said is acceptable because it is deceptive. This should be made illegal. Change the name of the product if youre going to offer different benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Good afternoon, Im filing this complaint because I was the victim of a scam. I sent {$590.00} via XXXX to a person who I now realize deceived me. My dad 's XXXX was hacked and the scammer impersonated him asking me for money to be sent to an account. I contacted my bank immediately after realizing the transaction was fraudulent, that was briefly after the transaction. I explained that I was misled and that the money I sent was not intended as a gift or authorized payment to someone I know or trust. I requested the claim to be processed as fraud under deception. 

The recipient of the funds is still using their account and even emailed me saying " contact your bank and validate with them what you need to do. '' I replied begging them to return the money and told them to file an identity theft report if they were not the one who scammed me. I even sent a XXXX request for the funds to be returned. 

Despite my efforts and submitting the claim to my bank, they responded by denying the case. I believe this decision is unfair and lacks a proper review of the situation. I acted in good faith and expected my bank to protect me in a case of financial fraud. 

I am kindly asking the CFPB to help me review this claim and encourage the bank to reopen or reconsider their decision. I would also like the recipients bank account investigated, since I still have the email they used, and I suspect this may be part of a larger scam.

Thank you for your time and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
I previously submitted a dispute for this account, but it still reports inaccurate and incomplete information. I am now formally requesting a detailed explanation of the investigation process you used. By law, you must send this within 15 days of receiving this letter. If the information cant be verified or you dont reply, the disputed items should be deleted. Ive included a copy of my written request for your reference. I appreciate your timely response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: OH

Complaint narrative:
I have disputed several inaccurate and unverifiable items on my credit report with the credit bureaus, and they continue to report without proper validation. These accounts include collection accounts and charge-offs that I do not recognize or that were sold, settled, or otherwise invalid. 

Despite multiple disputes, the credit bureaus have not provided documentation proving the accuracy or ownership of these accounts. They have not conducted a proper reinvestigation as required by the Fair Credit Reporting Act ( FCRA ). 

This is negatively impacting my credit score and my ability to obtain housing, employment, and credit. 

I am requesting that these accounts be removed from my credit report immediately due to lack of verification and failure to comply with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I had an account with Synchrony Bank through XXXX XXXX that I believed was paid in full. I was never notified of any remaining balance or delinquency by mail, phone, or email. I only became aware of the derogatory status when it appeared on my credit report through XXXX XXXX. 

I immediately contacted Synchrony and was repeatedly routed to collections, where I requested documentation regarding the account status and asked whether a goodwill deletion could be considered if I paid the balance in full. I was denied information and told the derogatory status would remain even after payment. I was not given any opportunity to address the balance before the negative reporting occurred. 

Ive made multiple attempts to resolve this matter fairly, including offering full payment and writing directly to Synchrony, with no meaningful resolution or explanation provided.

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 2025-06-12 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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. 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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:
After getting declined for credit i got a copy of my credit report. The following companies listed on my credit report are incorrect. I have no knowledge of these accounts and have submitted disputes to transunion and the companies for the orginal contracts to verify these accounts. None have been provided on numerous attempts. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX collection/charge off {$640.00} XXXX XXXX XXXX XXXX XXXX {$270.00}

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 non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Selene Holdings LLC
State: CA

Complaint narrative:
I am filing this complaint because I am emotionally and financially exhausted after nearly a year of trying to obtain a loan modification from Selene Finance. On XX/XX/year>, they denied my most recent application, claiming I failed to return a completed financial workout package and supporting documentation. This is simply not true. 

I submitted a complete, signed application with all required documents including a hardship letter, profit and loss statements, bank statements, rental agreement, and proof of income. I spoke with XXXX representatives on multiple occasions throughout XXXX and XX/XX/year>. They assured me my file was in progress and being escalated. At no point did anyone say anything was missing or incorrect. 

Then, out of nowhere, I was told I could no longer speak to anyone by phone and had to email. I did so immediately and followed up again later both times acknowledged, but with no real response. Days later, I received a denial letter that had already been dated and finalized making it impossible for me to address or correct anything.

To make matters worse, Selene used my active litigation as a reason to block communication, even though they knew my attorney was withdrawing and had nothing to do with the loan modification. This isnt the first time theyve done this. I filed a previous complaint, and only then did Selene offer me another chance to apply. I corrected everything they asked for only to be treated the same way again. 

This pattern is cruel and manipulative. Ive lived in my home for over XXXX  years. I am trying to work with them in good faith while recovering from financial hardship caused by XXXX years of industry strikes. All I want is a fair chance to stay in my home. Instead, Im being ignored, misled, and emotionally worn down.

I am asking the CFPB to step in and investigate Selenes behavior. Im attaching my full appeal letter and documentation with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: TX

Complaint narrative:
This letter serves as a formal dispute and demand for deletion pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, which mandates the reinvestigation of inaccurate, incomplete, or unverifiable information reported in a consumers credit file.

I am demanding an immediate reinvestigation and deletion of the following account from my credit file : LEGAL GROUNDS FOR REMOVAL : Under 15 USC 1681i ( a ) ( 1 ) ( A ), once a dispute is filed, you are legally obligated to conduct a full and proper reinvestigation. Any item that can not be verified with complete accuracy must be deleted from the consumer 's file within 30 days.

I am exercising this right and demanding strict compliance. Additionally, 15 USC 1681i ( a ) ( 5 ) ( A ) states that any disputed item that : can not be verified must be deleted from the file of the consumer.

Let me be clear : unless you can furnish original documentation with my wet signature proving I originated this account, you must delete it. That means no screenshots, no digital entries, no data dumps from the furnisher I want the actual original contract bearing my live signature as verification. Anything less is legally insufficient under federal law.

Per 15 USC 1681i ( a ) ( 2 ) ( B ), if the furnisher fails to respond or verify the account with sufficient evidence, you are required to delete the account immediately.

YOU ARE HEREBY PUT ON NOTICE : You have 30 days from the receipt of this letter to complete a lawful investigation.

If this account is not 100 % verifiable, or if no documentation bearing my wet signature is produced, the account must be permanently deleted.

Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office.

I am also prepared to pursue civil litigation under 15 USC 1681n and 1681o for any willful or negligent noncompliance with federal law, where damages of up to {$1000.00} per violation, plus punitive damages, attorney fees, and court costs may be imposed.

I expect this matter to be handled with the utmost urgency and in full accordance with federal law. You are not above the law. If this account is not verified to the letter of the law, it must be deleted without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: SC

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: SC

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief