vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 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: PA

Complaint narrative:
I reviewed my credit report and found negative account being reported that I believe are inaccurate, unverifiable, or outdated.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 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 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I have reviewed my credit report and I noticed inaccurate information. I am really worried about understanding why this account and wrong information are reported on my credit account. I do not recognize this collection of debt. I trust you will send me a correct credit report once the investigation is complete. Thank you

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
XX/XX/year> i was contacted by an alleged debt collector XXXX XXXX XXXX, they alleged i owed a debt to capitalone. The first call they would not disclose the date the account was from when asked to make a payment to resolve the debt in question i refused so they hung up on me. I called capitalone who assured me my account was in good standing. So i then called XXXX XXXX XXXX  back to obtain more information for capitalone. XXXX XXXX XXXX  would not give me an account number ( only the first 4 of the alleged account not the last 4 for identifying purposes ) the total amount owed, who to contact at XXXX XXXX XXXX  etc. They did and were able to read off of my personal credit report the date i bought my house my last 4 addresses and my dob my drivers license number. They have since blocked me for calling to many times to obtain this information. They are allegedly based out of XXXX Georgia at XXXX XXXX XXXX XXXXXXXX I am in XXXX missouri this crosses state lines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have a CareCredit account issued by Synchrony Bank. I am disputing fees and interest and the way the bank handled my disputes. 

Card Security fees I did not knowingly enroll in the Card Security Debt Cancellation program. I later discovered recurring Card Security fees on my statements and called CareCredit to cancel this product and ask for a refund of the fees. After my complaint, Synchrony credited my account {$670.00} in Card Security fees. 
On XX/XX/year> I received a letter titled Card Security Program Cancellation and Refund stating that my claim that I did not purchase Card Security is denied, that I am not eligible for a refund of all Card Security fees, and that they consider the dispute closed. I am concerned this means they plan to reverse the {$670.00} refund and recharge those fees to my account even though I never clearly agreed to this product. 

Interest charges and other fees My original reason for contacting CareCredit was unexpected interest charges and recurring Credit Fees and Adjustments on my account. I believed I was under a promotional offer and that interest would not be charged the way it was. I asked the company for a clear written explanation of how the interest was calculated and what each fee was for. I have not received a clear answer. 

Wrong type of dispute opened During a phone call with a representative named XXXX XXXX, I repeatedly stated that I was not disputing the medical service and that I did receive the treatment from the provider. I only wanted to dispute the interest charges and card security fees on my CareCredit account. Despite this, Synchrony opened a merchant dispute for about {$2700.00} as if I were claiming that I did not receive the service. I never authorized a merchant dispute. This created unnecessary conflict with my medical provider and still did not address the real issue, which is the fees and interest on my account. 
Because of these actions I feel Synchrony has mishandled my account, opened the wrong type of dispute against my instructions, and is now trying to undo a prior refund of Card Security fees without proving that I knowingly enrolled in that product or explaining the fees and interest.

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 2025-12-01 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: FL

Complaint narrative:
These inquiries are unfamiliar to me and seem to have been made without my consent. I ask that this matter be reviewed and addressed promptly. Relevant documentation is attached.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
XXXX XXXX someone opened an account with Wells Fargo bank with my name and social security number without my consent. I recieved a credit card with my first name and maiden name with {$1000.00}. XXXX credit limit. I did not authorize anyone to open acct. I have been on hold with Wells Fargo fraud line XXXX for approx almost 4hrs total. I tried to have them claim card lost or stolen so no one can use card until this matter is fixed and the representing can only transfer me to the fraud department.

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 2025-12-01 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 submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ) 602A, 604, 607 ( b ), 609 ( a ) ( 1 ), 611 ( a ) ( 1 ), 623 ( a ) ( 1 ) ( A ), 623 ( b ), and the Fair Debt Collection Practices Act ( FDCPA ) 807 ( 8 ) regarding multiple inaccurate, unverified, and unauthorized accounts and inquiries being reported on my credit report. These items are either fraudulent, unauthorized, or reported incorrectly, causing significant damage to my credit profile. I demand immediate investigation, deletion, or correction, and full documentation of any verification used to report these items. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge Off Issue : I have no knowledge of this account and no charge-off has ever occurred on my reports legitimately. This appears to be fraudulent or mixed-file reporting and must be deleted under FCRA 605B immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$340.00} Late Payment Issue : I never made any late payments on this account, the reporting is inaccurate, incomplete, and violates FCRA 607 ( b ). Correct the payment history immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$530.00} Charged Off Issue : I do not recognize this account nor did I authorize any transaction leading to a charge-off. This is unverified and must be removed under FCRA 611 and 623 ( b ) XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$670.00} Charged Off Issue : I have no knowledge of this account, no contract, no proof, and no agreement. This is unverified data and must be deleted immediately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff Issue : I do not recognize this charge-off. No documentation has been provided linking me to this debt. Reporting an unverified charge-off violates FCRA 607 ( b ), 611, and 623 ( b ) and must be removed immediately XXXX XXXX Date Opened : XX/XX/XXXX Inquiries Issue : I never authorized this inquiry. Unauthorized inquiries are illegal under FCRA 604 and must be deleted from my report immediately I request the CFPB to intervene and ensure that these items are properly reinvestigated, verified, and corrected or deleted as required by law. I expect full documentation of any verification process, the identity of the verifier, and supporting documents. Failure to comply constitutes a violation of FCRA 607 ( b ), 611, 623 and FDCPA 807 ( 8 ). 
Please confirm receipt of this complaint and provide updates regarding the resolution. I also request that you communicate directly with the reporting bureaus to ensure compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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:
I recently reviewed my credit report and discovered multiple accounts and inquiries that I did not authorize or recognize. I never gave written instructions or permission for these entities to access or report information on my credit file. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681 and 1681b. 

These accounts were added without my knowledge or consent, and I believe they are connected to identity theft. Ive already submitted an FTC Identity Theft Report ( Report # XXXX ), which confirms that Im a victim of identity theft. Despite this, the credit reporting agencies have continued to report these fraudulent items, which is unfair, harmful, and illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Several inquiries that I did not request appeared on my report in XXXX XXXX XXXXXXXX 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 2025-12-01 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: LA

Complaint narrative:
I am writing as a consumer to dispute multiple items on my Experian credit report that I believe are inaccurate, incomplete, or unverifiable. Please investigate the following accounts and inquiries : Charged Off Accounts in Dispute : Account Name Account Number Date Opened Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I request that these accounts and inquiries be fully verified according to the Fair Credit Reporting Act ( FCRA ). If verification can not be provided, I request that the inaccurate information be removed from my credit report immediately.

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 2025-12-01 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: VA

Complaint narrative:
I'm writing to bestow mXXXX XXXX concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. 
I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: NE

Complaint narrative:
Company : Freedom Mortgage Product : Mortgage escrow/home insurance Date of issue : Ongoing, most recent contact XX/XX/year> What happened : I am filing a complaint regarding Freedom Mortgage 's handling of my homeowners ' insurance escrow account and their treatment of me when I attempted to resolve the issue. 

My mortgage is with Freedom Mortgage. From the beginning, I did not want an escrow account for homeowners ' insurance. I have always wanted to pay my home insurance directly myself. 

Recently, I changed my homeowners ' insurance to XXXX XXXX. My XXXX XXXX agent ( XXXX ) confirmed in writing that : My annual homeowners ' insurance premium is {$3200.00}. 

I paid {$540.00} on XX/XX/year>, and that payment was applied to my home insurance policy. 

XXXX XXXX returned {$3200.00} to Freedom Mortgage, which was the amount that had been paid from escrow. 

Going forward, I am supposed to pay my home insurance directly, and the escrow account should be closed. 

Despite this, Freedom Mortgage is still collecting money for homeowners ' insurance through an escrow account as part of my monthly mortgage payment. This means I am at risk of being double-billed : I am paying XXXX XXXX directly for my home insurance, and Freedom Mortgage is also still collecting money for insurance through the escrow account. 

I have already informed both XXXX XXXX and Freedom Mortgage that I do not wish to establish an escrow account for insurance and prefer to pay my own insurance directly. 

On XX/XX/year>, at around XXXXXXXX XXXX ( Central Time ), I called Freedom Mortgage at the number I was given ( XXXX ) to fix this issue. I was put on hold for a long time, passed from one person to another, and at one point, the call was disconnected. No one clearly explained why the escrow was still active, whether escrow is actually required by my loan, or how much money they are currently holding in escrow for my insurance. I did not receive any real help or a clear resolution. 

To summarize my concerns : Freedom Mortgage appears to be continuing to collect escrow for homeowners ' insurance even though XXXX XXXX has refunded the escrow payment and confirmed that I am supposed to pay directly. 

I have never clearly agreed to re-open an escrow account for insurance. 

I am worried that I have been, or will be, overcharged or double-charged for my homeowners ' insurance. 

Customer service has been unhelpful. I spent a long time on hold, was transferred multiple times, and was disconnected, with no resolution.

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 2025-12-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: NC

Complaint narrative:
Contacted LoanCare XXXX to discuss my mortgage payment 's escrow allot amount. They informed me of a shortage in XXXX of {$1400.00}. 
Looking at my documents, even the increased taxes and insurance premium should have been covered by my previous escrow allotment of {$510.00}. 
My previous annual property tax amount was {$3000.00}, my old insurance premium was {$1500.00} -- totaling {$4600.00}. $ XXXX more than covered this. 
New amounts are {$3800.00} and XXXX XXXXrespectively-totaling {$5500.00}. 
I'm now paying $ XXXX just for escrows-this will equate to {$9000.00} a year. 
Mortgage servicer can't explain why there was ever a shortage or why I'm now paying {$290.00} more monthly than I should be. 

I also discovered on the most recent phone call I've been paying $ 175 month for mortgage insurance when the rep confirmed she sees on my original Closing Disclosure where I prepaid the MI premium in the amount of {$6000.00}. 

I need answers.

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 2025-12-01 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: PA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX Equifax XXXX XXXX  credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief