vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I am filing a complaint because my creditors ( XXXX XXXX XXXX XXXX and SYNCB/Care Credit ) are reporting late payments on my accounts ending in XXXX and XXXX that are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furnishers but the late payments remain without proper validation or documentation. Under 15 USC 1681 section ( 2 ) ( a ), a furnishers must report accurate information. Under 15 USC 1681 ( i ), the credit bureaus must perform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative reporting.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have repeatedly disputed the XXXX XXXX  Owner account on my credit report, with the following dates of dispute : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Despite these efforts, the creditor has failed to properly investigate or resolve any of these disputes. Additionally, I was never properly notified of the delinquency until it appeared on my credit report, and I am not the primary responsible party for this account. Validation of the debt was never provided. This ongoing issue has not been addressed, and I request that the proper actions be taken to resolve the matter.

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 2025-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I disputed a collection account reported by XXXX XXXX XXXX in the amount of {$8000.00}, which they claim is tied to a XXXX XXXX credit card. I asked them to freeze my account as well. They refused. 

I sent Experian a formal dispute letter along with my drivers license, a utility bill, and the last four digits of my SSN. Despite this, Experian sent a stall response claiming they need my full Social Security number, which is not required by law and violates FCRA 1681i. 

In my original dispute, I specifically requested the following : A signed contract bearing my signature A complete chain of title showing legal transfer of the debt Full itemized billing history Proof of permissible purpose under 1681b Experian has not provided any of this. XXXX  has already removed this account from my report, which indicates XXXX could not verify it. Experian is continuing to report this unverifiable debt without documentation, violating 1681i and 1681s-2 ( b ).

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Request for Credit Information Correction - Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to you as the holder of account number [ Account Number ] for my [ credit card, auto loan, and/or mortgage ] to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ). 
According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 
Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
I have identified that the statements for my [ credit card, auto loan, and/or mortgage ] have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 
Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 
I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : [ Company - date ] XX/XX/year> I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 
I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 
Thank you for your attention to this important matter.

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 2025-05-13 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: FL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Unifin Inc.
State: FL

Complaint narrative:
I have received multiple text messages and phone calls from Unifin regarding # XXXX and they keep asking for someone that I am unfamiliar with- they have repeatedly told me they would mark the account as wrong phone number - yet continue to reach out to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Block, Inc.
State: TX

Complaint narrative:
They offered me a way where I could sell digital products and it ended up being the opposite, terms being a course to sell digital products and the resale of it, they promote misleading advertising, after 24 hours of having made the purchase of the " product '' I tried to communicate with the third-party application with which I paid and I also tried to communicate with the CEO of the company and both resulted in a resounding no in making a cancellation of payments or a refund, currently the CEO banned me and denied me permanent access to the aforementioned platform and continues to request payment for it, then the consumer protection law that varies according to the state, establishes that it protects the rights of consumers by establishing commercial practices and allowing consumers to claim if a business does not comply with the rules and/ or do not deliver the product whether digital or physical. 

The Law on Fair Debt Collection Practices also establishes that it protects consumers against aggressive or misleading debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: CA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1400.00} XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$920.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$650.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$3900.00} XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1900.00} XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1500.00} XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$120.00} INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company 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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: ID

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. code 16081 e ( b ) Accuracy of credit whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates 15 U.S. code 1681i ( 5 ) treatment of inaccurate or unverified information in general, if after any re-investigation under paragraph ( 1 ) of any information disputed by consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. The consumer agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information has appropriate based on the results of the re-investigation, 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. Please remove the following items from my credit report, immediately :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: Happy Money, Inc.
State: NY

Complaint narrative:
I had a loan from Happy Money. Paid it off ahead of time and never missed a payment. They have not updated my loan since XXXX and it is paid off. It has been paid off for more than a month and they told me in 30 days it would be updated. I filed a credit report violation and they denied it, even though it was paid off and not updated for over six months now. When I call them they just want me to file more reports after they have already told me for 3 months now that their error was fixed and that they have done what they can but they have not fixed the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: KS

Complaint narrative:
In XX/XX/XXXX, I was advised by MOHELA to set up auto-draft for my payments in order for them to count toward Public Service Loan Forgiveness ( PSLF ). I was able to begin making payments immediately. However, MOHELA has improperly tracked and marked my qualifying payments, which is delaying my forgiveness timeline. Based on my payment history, I should be eligible for loan forgiveness by XX/XX/XXXX. 

Despite making accurate and timely payments, MOHELA is not crediting several of them. For example, in XX/XX/XXXX, loans # XXXX and # XXXX did not receive credit for qualifying payments. In XX/XX/XXXX, even though my auto-draft processed correctly, loans # XXXX, # XXXX, # XXXX, # XXXX, and # XXXX were not credited. I have called weekly to try and resolve this issue and have filed multiple complaints. 

Now, my payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX are also not being counted. Thats five months of missing payment credit. It is unacceptable that accurate payments are not being reported to Federal Student Aid. When I contact MOHELA, they claim I made the minimum required payment on time, but these payments are still not being properly reflected in the system. 

Ive contacted both MOHELA and Federal Student Aid, but they continue to shift blame and insist corrections have been made. They have not, as I am still missing qualifying payments. This is extremely discouraging. Ive met my obligations faithfullymaking monthly, on-time payments while serving in a nonprofit roleand yet Im not receiving the credit Ive earned . I no longer have the time or capacity to continually follow up on an issue that should have been resolved long ago.

Lastly in images you see they gave me credit for Loan XXXX & XXXX. Nothing for loans XXXX thats on loan forgiveness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: IN

Complaint narrative:
I am submitting a complaint to dispute an inaccurate late payment that has been reported on my credit report. 
XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00}

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights 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
Consumer complaint received 2025-05-13 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am filing a complaint against Comenity Bank for unlawfully freezing my account and misrepresenting the reason for the freeze. 

Key Issues : - False Claim of Insufficient Funds : Comenity claims my account was frozen due to two returned auto payments from " insufficient funds. '' However, my account currently has a credit balance, proving their justification is false.

- Refusal to Correct Error : Representatives and supervisors ( including XXXX, Supervisor ID # XXXX ) refused to lift the freeze, falsely stating it was " automatic '' and would last up to 90 days.

- Violation of Consumer Rights : A supervisor asserted that using my card is a " privilege, '' implying Comenity disregards contractual obligations and consumer protection laws.

Additional Concerns : - The language used during calls suggested potential political bias in their enforcement practices, raising concerns about discriminatory treatment.

- Comenity has provided no valid reason for the freeze, nor a timely resolution process. 

Resolution Requested : - Immediate removal of the freeze.

- Investigation into Comenitys unethical and potentially illegal account practices.

I request the CFPBs assistance in holding Comenity accountable and rectifying this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
Attempts to collect a debt that does not belong to me. Please remove from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
It was over the last 12 months, and Im not sure who but used my stuff and I think someone close, to open a credit line with affirm and XXXX XXXX to cover debts and recieve goods. I tried to fight it but gave me reasons on why its my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation