vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 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: EQUIFAX, INC.
State: GA

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 ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
The addresses on my credit report are incorrect. Ive attached my documents for verification and request these addresses be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: NC

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

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful nonco
mpliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-13 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: MN

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts.These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I received a letter XX/XX/2025 Synchrony Bank XXXX XXXX XXXX XXXX XXXX XXXX Re : Adverse Action Notice dated XX/XX/2025 Regarding Synchrony XXXX XXXX XXXX Account Ending in 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 2025-08-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally disputing the inclusion of a fraudulent account on my credit report. I have never initiated, authorized, or been connected to this account in any capacity. Its reporting is wholly inaccurate and is causing undue harm to my creditworthiness.

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 2025-08-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: SC

Complaint narrative:
On XX/XX/year>, American Car Center closed its operations and transferred my vehicle lease account to Westlake Portfolio Management. Subsequently, on XX/XX/year>, American Car Center filed for bankruptcy. 

At the time American Car Center ceased operations, my account was paid up to date with no past-due balance. However, Westlake Portfolio began reporting a different balance than what was shown by American Car Center at the time of closure. 

I have sent multiple certified mail requests to Westlake Portfolio asking them to validate my debt. Despite these requests, they have not provided me with a full and complete copy of my original signed contract. 

In Line 39 of my contract, it clearly states that American Car Center and I must mutually agree in writing to any changes in the agreement, with signatures from both parties. No such agreement has ever been made, signed, or provided to me authorizing changes to the loan amount, balance, or terms.

Additionally, American Car Centers final reporting to the credit bureaus reflected one balance, while Westlake Portfolio is reporting a different balance. This discrepancy is inaccurate, unverifiable, and in violation of the Fair Credit Reporting Act ( FCRA ). 

For these reasons, I am formally disputing the validity of the balance and request that Westlake Portfolio : Provide a full copy of the original signed contract and a complete payment history ; Correct the reported balance to match the accurate, documented amount from American Car Center ; or Remove the account from all credit bureau reports if the debt can not be verified in accordance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am using this CFPB complaint as both a formal complaint and a formal dispute and request for debt validation addressed to Jefferson Capital Systems. Attached to this complaint is my written validation request, which clearly lists the documents that Jefferson Capital Systems must provide under the Fair Debt Collection Practices Act ( FDCPA ) to prove the debt is valid and legally collectible. This includes proof of ownership of the debt, a breakdown of the amount claimed, and a copy of the original agreement bearing my signature.

I am submitting this request through the CFPB to ensure that Jefferson Capital Systems receives my letter and is held accountable for responding properly and lawfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
This has been an ongoing situation since the death of my husband on XXXX XXXX. 
I have had the Deed in my name since XX/XX/year>. I have completed 46 modification packages and 4 forbearance plans. I have fully cooperated with everything that Freedom mortgage requested. THEY REFUSED TO ALLOW ME TO PAY THE MORTGAGE ALTHOUGH I DEMONSTRATED MY ABILITY TO PAY. When my husband XXXX XXXX passed away .. the mortgage was past due XXXX ; now they have added an additional {$80000.00} in fees. I recently was notified that I MUST assume the mortgage. 
The payment they want is XXXX rather than the XXXX ( the previous mortgage payment ). 

Please help

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 2025-08-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
In late XXXX, 2025, I resolved this situation very quickly myself ; however, had I not had other savings banks linked to my Synchrony High Yield Savings Account, obtaining my emergency funds would not have been possible. I wanted to publish this so that others considering Synchrony Bank 's HYSA may reconsider.

I saved five figures in emergency funds in my Synchrony HYSA. I could not log onto the site without verifying my new phone number. As an infrequent phone user, I did not remember my old number. I called Synchrony to change it. I verbally verified all they asked. The rep claimed that she could not send me a verification text. Then she requested a video of me revealing my drivers license. I refused. Their alternative was to send me a verification code via snail mail. Within 10 days, I received it. I called Synchrony again and told them the code. I was informed that it would be 60 days before my new phone number would be posted online. In other words, I would not have access to my emergency funds for two months. At the time of this writing, I still do not have access.

Unfortunately for Synchrony, I held two other HYSAs from ethical banks. They were linked to my Synchrony account. I withdrew my funds from Synchrony by enacting transfers from the other banks websites.

In comparison, I called my credit card company on the same day. I requested a phone number change. After verbally verifying my identity, they promptly changed my number so that I could log in to my online account. I asked when my phone number would be posted on their site. They replied, Immediately, and it was.

Im alleging that Synchronys unreasonable delays are ruses for denying funds, which is tantamount to theft. My complaint is just another one of a plethora of those posted online against this bank

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 2025-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
I made a transaction with sending money from the US to XXXX but the money was sent to an account but with the wrong name

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-13 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: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: NY

Complaint narrative:
XXXXI sent a certified letter to Transunion XXXX with a tracking numberXXXX XXXX XXXX XXXX XXXX XXXX via USPS. The letter was received on XXXX. Transunion did not reply to my request I proceeded to send another letter dated XXXX which was also ignored. The account I am disputing is with bankXXXX XXXX XXXX XXXX  BALANCE: XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citi bank has repeatedly not reported my citi strata premier account to any of the credit bearus. They even sent a letter to XXXX  several times to remove my citi strata premier card from my credit report when I had successfully gotten it added. They have done this on several occasions. The last time they did this was on XX/XX/scrub> 2025. I have called them countless times and sent in countless reports and they have not rectified the issue. As a result I have been denied multiple housings and other loans or cresit cards as my credit report has been inaccurate or showing lack of history.

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 2025-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: TN

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 : ACCOUNTS : BANKRUPTCY - Account Number : XXXXXXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$24000.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00}

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 2025-08-13 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: GA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/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 explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-13 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: IL

Complaint narrative:
I am not accountable for the creation of these accounts, which seem to be wrong. Conduct a full investigation and eliminate them from my credit record. All necessary documentation is provided. Please block and remove them 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 2025-08-13 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: CA

Complaint narrative:
I am disputing a private student loan that fraudulently appears under my name with XXXX XXXX. I did not authorize or complete this loan, and I believe it may have been fraudulently opened in connection with XXXX ( formerly XXXX XXXX ) which is under federal scrutiny for predatory loan practices. I sent a formal written dispute and request for documentation to XXXX XXXX by mail on XX/XX/year>. I received no response. I followed up with a second mailed request on XX/XX/year>, again demanding full validation of the loan, including any signed agreements or proof of authorization. On XX/XX/XXXX, XXXX responded by stating that they would only provide documentation if I created an online account with them. Conditioning my right to access legal documentation on creating an account is not acceptable and obstructs my rights under the Fair Credit Reporting Act ( FCRA ) and, if applicable, the Fair Debt Collection Practices Act ( FDCPA ). As of XX/XX/year>, it has been 30 days since my original dispute was sent. Ascent has not provided any of the requested documentation by physical mail, secure email, or any other valid means. This places them in violation of their obligations under federal law, which requires them to respond to disputes within 30 days and to provide verification upon request. I have already submitted a complaint to the Federal Trade Commission ( FTC ). I am now requesting that the Consumer Financial Protection Bureau ( CFPB ) take appropriate action to : Compel Ascent to provide full documentation validating this loan without requiring an online account ; Remove the account from any credit reports if it can not be verified ; Investigate Ascents noncompliance with federal consumer protection laws. It has been well over 30 days and i have not received any form of proof, documentation, or agreements whatsoever. 

Transunion has claimed they verified it on their end, but have been unable to provide and proof or documentation of it when contacted via telephone.

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