vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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: CO

Complaint narrative:
I found inaccurate information on my Equifax credit report that I do not recognize and is currently hurting my credit. I have disputed these following items with the credit bureau and the furnisher and have received no verifiable proof or information regarding the accounts. I am requesting that these items be removed from my credit report. 

Items : XXXX XXXX, account XXXXXXXX XXXX XXXX XXXX XXXX XXXX, previously removed but now reappeared. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
My account with EQUIFAX XXXX  XXXX  was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX XXXX  XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
My account with XXXX  EXPERIAN XXXX  was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX  EXPERIAN XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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 2025-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Tenaglia & Hunt, PA
State: NC

Complaint narrative:
Attorney filed law suit allegedly on behalf of XXXX XXXX  and in there allegations they stated i lived in XXXX XXXX but I live in XXXX XXXX. Also stated I opened an account, charged, and failed to pay the balance but only sent 1 statement from last alleged bill. I found out by calling XXXX  that they sold this debt to XXXX. I sent the lawyer a certified letter with return signature requested to ask for any and all documents pertaining to this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-11-18 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: FL

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX ct XXXX XXXX XXXX, FL, XXXX Equifax XXXX XXXXXXXX XXXX XXXX, GA XXXX Your Account Number XXXX Account Name XXXX XXXX  Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX  resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: HI

Complaint narrative:
Company : Synchrony Bank ( CareCredit ) Product : Credit Card Issue : Billing dispute / Unauthorized charges/ Account closure ignored Complaint Narrative : I am disputing charges and account handling by Synchrony Bank ( CareCredit ). 
On [ date of your original letter ], I submitted written notice requesting that my CareCredit account be closed to all future purchases. Despite this, I continue to receive billing statements reflecting new charges and adjustments. 
My account has been billed for a Card Security feature that I never requested or authorized. I previously demanded cancellation of this feature, yet the monthly charge was increased from {$37.00} to {$46.00}. 
My most recent statement includes a charge of {$600.00} in interest, which I dispute in full. A representative ( XXXX XXXX XXXX XXXX explained this as tied to a promotional nointerest plan, but this explanation is inadequate and does not justify the charge, particularly after my closure request. 
I have made this months payment in good faith to avoid delinquency. However, I will not accept responsibility for unauthorized fees or improper interest assessments. 
Requested Resolution : Immediate closure of this account to all future purchases.

Removal of the Card Security feature and refund of all related charges. 
Removal of the {$600.00} interest charge. 
Written confirmation that these corrections have been made and that no adverse credit reporting will result from this dispute. 
Supporting Documents : Copy of my original closure request letter. 
Copy of the disputed billing statement. 
Record of my payment made to avoid delinquency.

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 2025-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
am submitting this complaint to formally document and request investigation into unlawful debt collection practices by Lobel Financial. 

Despite the fact that a prior lien matter was fully resolved and closed with the assistance of my attorneys at XXXX XXXX XXXX XXXX Lobel Financial has continued to issue threats regarding a lien on my home. XXXX XXXX XXXX confirmed in writing that the matter is closed, yet Lobel Financial persists in contacting me with intimidating and misleading claims. 

This conduct raises serious concerns under the Fair Debt Collection Practices Act ( FDCPA ) and other consumer protection laws, including : - Misrepresentation of the status of a debt or XXXX. 
- Harassment and intimidation through repeated threats. 
- Failure to honor legal closure of the matter as confirmed by counsel. 
I respectfully request that the CFPB : - Investigate Lobel Financials conduct and determine whether it violates federal consumer protection laws.

- Require Lobel Financial to cease all unlawful collection activities related to this closed matter. 
- Ensure accountability and provide guidance on remedies available to consumers facing similar harassment. 

I am prepared to provide documentation, including attorney correspondence from XXXX XXXX XXXX confirming closure, and records of Lobel Financials threatening communications. Please advise on the next steps and the appropriate channels for submitting supporting materials.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This complaint is entirely legitimate and requires immediate attention. My credit report includes inaccurate information that does not meet the mandatory standard of maximum possible accuracy. 
These errors are causing severe and ongoing harm to my life, and I demand that they be thoroughly investigated and either corrected or deleted without any further delay.

Resolving this issue is not just necessary it is absolutely critical.

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 2025-11-18 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: MD

Complaint narrative:
As per 15usc 1611 Experian TransUnion and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc Better Business Bureau. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'm writing because there's an account on my credit report that is completely inaccurate, and I need this issue addressed and corrected immediately. The information being reported is flat-out wrong, and its already having a serious impact on my credit profile and my life. 

Let me be absolutely clear : I have no connection to this account. I never opened it, never authorized it, and have never had any dealings with the company reporting it. This is either the result of a reporting error, identity theft, or a case of mixed files but whatever the cause, this is not my debt and it needs to be removed. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to maintain and report 100 % accurate and verifiable information. Whats currently being reported under my name does not meet that standard. In fact, its a direct violation of my rights under the FCRA, specifically Section 607 ( b ), which requires you to follow reasonable procedures to ensure maximum possible accuracy.

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This letter is my formal written request for you to investigate the following UNVERIFIED accounts listed below. According to the Fair Credit Reporting Act, 15 U.S. C 1681 your company is required by federal law to verify through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. 
I demand to see a copy of the Verifiable Proof  ( an original Consumer Contract with my signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C 1681 unverified accounts must be promptly deleted. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 


I demand the following accounts be removed immediately : XXXX. XXXX XXXX Open Date : XX/XX/XXXX Balance : {$2600.00} XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX Open Date : XX/XX/XXXX Balance : {$360.00} XXXX dispute the following closed accounts : XXXX. XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$0.00} ( Closed Account ) Additionally, I dispute the following inquiries that appear on my credit report. Please provide documentation showing a verifiable permissible purpose and my written authorization for each inquiry, or remove them immediately : XXXX. XXXX / XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX. XXXX  XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: CA

Complaint narrative:
After reviewing my credit profile, I see accounts that don't belong to me. I have a police report and identity theft forms from the IRS as proof of 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 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
Todays date XX/XX/XXXXXXXX avant XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Unauthorized Charges Dispute Avant Credit Card ending in XXXX To Whom It May Concern, I am writing to dispute inaccurate information reporting on my credit file regarding my Avant credit card account. I recently reviewed my statement balance and identified charges on this account that I did not authorize. 

These unauthorized transactions resulted in an incorrect balance. I did not make, approve, or benefit from these charges, and I am requesting a full investigation into this matter. 


Disputed Transactions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Action Please investigate this account and remove all charges, balances, or negative remarks that resulted from fraudulent or unauthorized activity. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute information under the Fair Credit Billing Act. I am not responsible for any unauthorized charges based on the XXXX liability policy Remove all unauthorized charges from the Avant account ending in XXXX. 

Statement of Facts : ( 1 ) I lost my card ( 2 ) can't remember where i lost it ( 3 ) Cant remember when ( 4 ) I'm willing to help with this investigation.

PLEASE DON'T VIOLATE THE FAIR CREDIT BILLING ACT... 

Provide written confirmation once the investigation is completed. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: LA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-11-18 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: LA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HOME BANCSHARES, INC.
State: FL

Complaint narrative:
XXXX XXXX 1.  Monday, XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX deposited and provisionally available. 

2. Monday, XX/XX/XXXXXXXX XXXX XXXX XXXX I transferred {$1400.00} to XXXX XXXX ( completed instantly in-app ). 

3. Tuesday, XX/XX/XXXX = XXXX XXXX XXXX holiday, no XXXX processing. 

4. Tuesday, XX/XX/XXXX Multiple subscriptions ( XXXX, XXXX etc. ) were approved despite XXXX available balance. 

5. Wednesday, XX/XX/XXXXXXXX XXXX XXXX transfer finally posted, dropping my balance to {$1300.00}. 

Bank Error My account is set to decline overdrafts. 

The bank should have blocked all charges after I withdrew the full available balance on XX/XX/XXXX. 

Due to holiday posting delay, the system failed to reconcile in real time. 

This is a Reg E-eligible error ( 12 CFR 1005.11 ) unauthorized/erroneous execution.

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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