vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have encountered difficulties accessing my EXPERIAN & EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I reviewed my credit report and found several negative accounts being reported that I believe are inaccurate, unverifiable, or outdated. I contacted the credit bureaus directly and formally disputed this accounts. Despite my good-faith efforts, the bureaus failed to provide proper verification or remove these items. Some may be duplicates, and others may lack proper documentation. I'm not receiving a proper resolution, and my credit is being harmed unfairly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: GA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I had a XXXX XXXX XXXX Synchrony credit card with a balance of {$6000.00} that was due XX/XX/year>. I made an automatic minimum payment of {$61.00} on XX/XX/year>. I made the an additional payment of {$5900.00} on XX/XX/year> through a balance transfer totaling {$6000.00} to ensure entire payoff before the interest charges by XX/XX/year>. Apparently the payment did not process until XX/XX/year> and I was charged an additional {$6100.00} in interest charges on XX/XX/year>. I was unaware I was charged interest charges as I thought I had paid off this account. My automatic payments were still going through and I unknowingly made an additional payment of {$250.00} on XX/XX/year>. I discovered this on XX/XX/year> and went to review my account thats when I saw I was charged {$6100.00} on XX/XX/year> and now an additional {$180.00} on XX/XX/year> and {$160.00} on XX/XX/year>. I immediately called XXXX XXXX XXXX Synchrony on XX/XX/year> and they mentioned they had a 30 day grace period but did not apply it in this case. I spoke to a XXXX or XXXX and could not get it resolved so I requested a manger or supervisor and got connected with XXXX, the account manager. XXXX mentioned the 30 day grace period shouldve been applied and attempted to get reverse the interest charges and additional payment for me but couldnt since it was 60 days out from the date and her system wouldnt allow her. She then put in a claim and said it would take up to 60 days approve. 

I followed up today XX/XX/year> for an update and was told the claim was denied to reallocate my payment before the promo expiration date to avoid interest charges. I spoke to a rep named XXXX who then transferred me to XXXX XXXX the account manager. They were both unable to help reverse the interest charges. 

I have never missed a payment in my life let alone with XXXX XXXX XXXX and was charged an outrageous amount of interest. I made the payment out of good faith but there was a delay of payment out of my control. Even then there was a grace period but yet I was still penalized.

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 monetary relief
Consumer complaint received 2025-09-29 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXX XXXX XXXX - XXXX - Account not mine XXXXXXXX XXXX  - XXXX - Account not mine XXXXXXXX XXXX  - XXXX - Account not mine XXXX XXXX XXXX  XXXX - Account not mine XXXX - XXXX - Account not mine XXXX XXXXXXXX  - XXXX - Account not mine

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 2025-09-29 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: NC

Complaint narrative:
I am currently dealing with a very difficult situation as a victim of identity theft. These accounts were created without my permission or awareness. This fraudulent activity is causing me serious stress and interfering with my everyday life. I respectfully request that you block and delete these items from my record as soon as possible. As part of this fraud I found the following inquiries : XXXX  XXXX Inquired on XX/XX/XXXX - 2025 - XXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX - 2025 - XXXX XXXX, XXXX XXXX  Inquired on XX/XX/XXXX - 2025 - XXXX XXXX XXXX Inquired on XX/XX/XXXX - 2025 - XXXX XXXX XXXX Inquired on XX/XX/XXXX - 2025

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 2025-09-29 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ 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 2025-09-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
In late XXXX and early XXXX, I was a tenant at XXXX XXXX XXXX XXXX XXXXXXXX. I was repeatedly overcharged for utilities with bills such as {$180.00}, {$240.00}, {$460.00}, and {$200.00}, which were far too high for a one-bedroom unit. Staff agreed the bills were inaccurate and told me not to pay utilities until corrected. Despite following this, I was charged late fees. I was also entitled to a $ XXXX monthly utility credit, which I stopped receiving for several months. 

In XX/XX/XXXX, I submitted XXXX money orders for rent together. XXXX were processed, but XXXX was returned even though the money order company confirmed all XXXX were cashed the same day. This added improper fees to my account. 

My guarantor and I repeatedly called, emailed, and visited the leasing office ( staff included XXXX XXXX and XXXX XXXX ) to resolve the issues. Neither my missing utility credits nor the rent payment discrepancy were fixed. No one responded despite multiple attempts. 

Instead, the property management sent the disputed balance to Transworld Systems Inc. for collections. The balance being reported is inaccurate and stems from billing errors, mishandled payments, and managements failure to correct or respond. I am disputing this collection and request removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/year> Bank of America withdrew all funds in my checking account leaving me with a negative account and no way to pay any bills Bank of America did not ask to withdraw nor provided prior notification The amount withdrawn was almost {$2500.00}

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 2025-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
My problem with my mortgage servicing is that they cash my payments but do not apply when the day they were paid. They are hard to deal with when they actually answer my calls. Their people are difficult to understand and just read from a script. Today is XX/XX/year> but they took out my payment on XX/XX/year>. Some months take longer. Isnt that illegal? If not, it should be. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To Whom It May Concern I am submitting this formal complaint regarding multiple false and damaging items being reported on my credit file. These inaccurate entries include wrong addresses, unverifiable charge-off accounts, and fraudulent collection activity. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), and the jurisdiction of the Consumer Financial Protection Bureau, I am requesting an immediate investigation and deletion of these items because they are not accurate, not verifiable, and are harming my creditworthiness. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX Address reporting is incorrect and does not belong to me. I have never lived at this location, never applied for credit using this address, and never received any correspondence at this property. Reporting an address that does not belong to me creates confusion, misrepresentation, and the appearance of fraud. This violates FCRA Section 607 ( b ) which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. 
In summary, the reporting of false addresses, unverifiable chargeoffs, and fraudulent collections on my credit report is unlawful and in violation of federal consumer protection laws. I respectfully request that the CFPB investigate these violations, hold the furnishers and credit reporting agencies accountable, and require the immediate deletion of any items that can not be 100 % verified with original documentation. My right under federal law is to maintain a credit file free from inaccurate, misleading, and damaging information, and I am requesting that this right be enforced through your office.

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 2025-09-29 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: WI

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXXXXXX XXXX XXXX  Date : XXXX XXXXXXXX XXXX  Date : XXXX ACCOUNTS : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$1800.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$790.00} XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$730.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud

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 2025-09-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. A couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> I became a victim of an elder fraud banking scheme at Chase Bank in XXXX, California and lost {$10000.00}. Unlike other Chase Bank customers, I did not receive an email notifying their customers of the latest scams. For example, XXXX customer and friend received an email with this subject header : " * * * Attention, XXXX : You're being notified of the latest scams happening now ''. I have XXXX emails and reviewed all from Chase Bank and I have not gotten any notice such as this about fraudulent bank scams. Perhaps if I had, then I might not have lost {$10000.00}. In my case I received a fraudulent Chase Bank text alerting me to a possible problem and moments later received a phone call from an " FBI '' agent informing me that they have been monitoring Chase Bank accounts and a {$50000.00} XXXX transaction on my account had been attempted. I then followed his lead and followed his instructions to go into a local Chase Bank and withdraw {$10000.00} in large bills to then deposit into a mobile bank account to protect my assets. The Chase Bank tellers and lax security training on a suspicious trigger amount withdrawal by an elderly lady/member of a vulnerable group contributed to this loss. ( Please see my report attached to this complaint )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Westlake Services, LLC
State: MI

Complaint narrative:
Westlake Financial Is reporting I owe them and I do not. 

They are reporting false comments on my credit and repossession along with an amount that is way more than the original contract, payments made, I have provided them proof of the warranty company denying claims to have the vehicle fixed as the frame was rusted entirely throughout that vehicle and I was unaware at the time of purchase. Repair shops refused work on it due to the rust. I have took a complete loss and spent so much money on that vehicle and I kept communication open with Westlake and they were not even my finance company! XXXX financial filed bankruptcy and I opened an investigation to have this vehicle and the seller investigated that, that vehicle entered the U.S under a clean title as it came from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-09-29 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: TX

Complaint narrative:
I am submitting this complaint regarding serious inaccuracies that TRANSUNION is unlawfully maintaining on my credit file. The accounts in question are XXXXXXXX XXXX XXXX XXXX ( Account No. XXXX, Date Opened : XX/XX/XXXX ), XXXX XXXX XXXX XXXX  ( Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$160000.00} ), and XXXX XXXX XXXX ( Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$24000.00} ). These accounts have been reported with late payments that are factually incorrect. My records and payment history confirm that I have not missed or been late on any payments for these accounts, making the late marks entirely false. 

Under the Fair Credit Reporting Act ( FCRA ), TRANSUNION is required to assure maximum possible accuracy ( 1681e ( b ) ) and to conduct a proper reinvestigation of disputed information ( 1681i ). By continuing to report false late payments and failing to properly verify the accuracy of this information, TRANSUNION is in direct violation of U.S. Federal Law. These violations constitute negligent and willful noncompliance under FCRA 616617, causing damage to my credit standing, financial opportunities, and overall reputation. 

I am demanding that TRANSUNION conduct a lawful reinvestigation of these accounts, provide documented proof supporting every late payment notation, and delete all unverifiable or inaccurate information. Any failure to comply will represent a continued violation of my consumer rights and will subject TRANSUNION to legal liability under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation