vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please delete these unauthorized accounts from my credit report, as I neither approved their creation nor was aware of them. Per USC 1681g, I request their removal within 15 days. Attached are supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management , Inc . 
XXXX XXXX XXXX XXXX, MI XXXX Date : XX/XX/year> To Whom It May Concern, This letter serves as formal notice that I am requesting you cease and desist all communication with me regarding the above-referenced account. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), you are hereby directed to stop all forms of communication with me, including but not limited to phone calls, emails, letters, and contact through third parties. 

You may only contact me in writing to confirm that you will comply with this request or to notify me of any specific legal action you intend to take, as permitted by law. 

Any further attempts to contact me outside of these limited exceptions will be documented and may be considered a violation of federal law. 

This request is not an acknowledgment of any debt, nor is it a refusal to pay. It is simply a request to exercise my legal right to cease communication. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I recently reviewed a copy of my credit report and I was shocked to learn that I was a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. Please remove and block these numerous accounts 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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am disputing the following accounts on my Equifax report, as they are inaccurately reported : Charged Off : XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$42000.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5500.00} XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} Inquiries : XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX Late Payments : XXXX  XXXX, Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I reviewed my updated credit report hoping to see the deletions and corrections of what I previously submitted. I sent a complaint explaining the violations and reasons why it should be removed. Hence these accounts remain despite my prior disputes with the credit bureaus. The bureaus refusal to remove accounts resulting from identity theft is a blatant violation of FCRA 605B and demonstrates willful noncompliance. I demand immediate deletion of these fraudulent accounts, corrective disclosures, and enforcement action to hold the bureau accountable for its unlawful conduct. I demand immediate reinvestigation, deletion of unverifiable accounts, and full compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
I bought a XXXX XXXX XXXX in XXXX. I live in XXXX. 

I asked Santander Finance USA to send the title to XXXX XXXX XXXX so I could pay my taxes and register the car in XXXX. 

Santander has failed to do this after XXXX different calls. I need help! 

I have no way of registering the vehicle and my temp tags are expired! 

Every call to Santander goes to an overseas location and I am never able to speak to anyone that can help. Each customer service call person is not equipped to help. They will not transfer me to a knowledgeable person.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: EGL US, LLC
State: DC

Complaint narrative:
I am filing this complaint due to ongoing payment mismanagement, improper collection activity, and persistent miscommunication by BMG Money. 

On XX/XX/year>, due to an error on my payrolls end, my entire paycheck was incorrectly applied to my BMG Money loan payment, resulting in an overpayment of approximately {$1600.00}. I immediately notified BMG Money and was advised that a reimbursement would be issued.

While I waited for this reimbursementfrom XX/XX/XXXX through XX/XX/XXXX, XXXXBMG Money continued withdrawing bi-weekly loan payments from my debit card on file without issue. This confirms that my payment authorization and account information were active and functioning properly during this entire period. 

I ultimately received the reimbursement check on XX/XX/year>. Notably, on that same date, BMG Money also successfully withdrew another loan payment from my debit card.

Despite this, I am now receiving repeated phone calls stating that I have a missed payment that is 10 days overdue, even though my next payment was scheduled to be withdrawn on XX/XX/year>. That scheduled payment was not processed, and no changes were made to my payment method or authorization that would have prevented it. 

This reflects : Mismanagement of funds Billing and payment processing errors Inaccurate account reporting Unwarranted collection calls Poor customer service and lack of accountability The repeated calls regarding a missed paymentcaused by BMG Moneys failure to process a scheduled withdrawalare harassing and distressing. 

I am requesting : Immediate correction of my account, Termination of my loan contract with BMG Money, Written confirmation that my account is closed with no outstanding balance, Cessation of all collection activity and contact, and Assurance that no negative reporting will be made to any consumer reporting agency.

I am documenting this matter formally and preparing to pursue further legal remedies if it is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On Friday, XX/XX/XXXX I reached out to a landlord on XXXX XXXX  with an inquiry about an apartment. They got back to me and requested my personal phone number in order to communicate information with me. They requested that I complete a Credit check through Trans Union, A background check through people finder and another background check through identity report before I could see the apartment. They then made me send all of these files to them as proof of having it done. They told me they would refund me the whole money when I went to view the apartment. Sunday the XXXX I went to view the apartment, the suspected Landlord would not answer phone And I have not heard from them since. Over the past few days, I have been receiving a multitude of emails from various websites with the name, XXXX XXXX, requesting a loan using my information. I have already notified, Trans Union, XXXX, and XXXX  to freeze my credit. Ive also reported possible fraud through these three websites. So far nothing has been taken out in my name, but I worry that my information is being sold and used to apply for loans. I have also reported all of the emails as spam and changed all of my passwords

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-29 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: GA

Complaint narrative:
I

am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am disputing unauthorized hard inquiries reported by Experian. 

On XX/XX/year>, XXXX / XXXX XXXX accessed my Experian credit report. I authorized a credit application to XXXX XXXX only. I did not authorize XXXX / XXXX XXXX or any multi-lender submission. 

In addition, the following hard inquiries appear on my Experian credit report and were not authorized by me : XXXX / XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> I did not submit credit applications for these creditors on the dates listed and did not provide authorization for these inquiries. 

I reviewed what I signed at the dealership, and the signed document does not contain any authorization permitting submission to multiple lenders. Despite this, the dealer admitted they attempted to find a better option, confirming that my credit was accessed beyond the scope of my consent. 

Experian is reporting these inquiries as hard inquiries without establishing a permissible purpose under FCRA 604.

I am requesting that Experian conduct a reasonable investigation under FCRA 611 and either obtain and provide documented proof of valid authorization for each inquiry, or delete the inquiries from my credit report.

This is not an allegation of identity theft. This is a dispute of unauthorized scope of credit use.

FYI : Screenshots show that Experian does not allow online disputes for inquiries.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 XXXX is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

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 XXXX is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Timeline : XXXX - dispute opened XX/XX/XXXX - letter received acknowledging a billing statement was either delayed or not sent XX/XX/XXXX - I mailed a letter to Synchrony on behalf of the XXXX XX/XX/XXXX - dispute was closed on my Synchrony portal I was on a 12-month deferred interest promotion for a purchase made through Synchrony, that was set up on my behalf through a contractor that I was working with that failed to disclose any promotional guidelines. I was told that this was a form of payment plan, and that I was to not miss any payments, which I did not.

I never received actual monthly statements or any notifications that the promotion was expiring. The only emails I received from Synchrony were generic notices stating my statement was available for review ; they did not provide the full statement or highlight the expiring promotion. When the promotion ended, deferred interest was added to my account, doubling my balance. I contacted Synchrony multiple times and submitted a letter under the Fair Credit Billing Act. They acknowledged that one months statement may have been delayed and applied a partial credit, but denied adjustments for other months. I have requested all statements, the original merchant receipt, and confirmation of any credits or account adjustments, but the issue remains unresolved. I believe the deferred interest charges were unfair and not properly communicated.

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 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: KY

Complaint narrative:
I contacted Regions Bank requesting reversal of overdraft and related fees incurred during XXXX and XXXX while I was under a court-issued Emergency Protective Order and subsequent XXXX  XXXX Order. 
Regions acknowledged the hardship and provided a partial reversal of fees but did not reverse all fees incurred during the same hardship period and did not provide a full accounting or explanation for the remaining denied fees. 
I am requesting full reversal of the remaining overdraft fees and a written explanation of the criteria used to approve some fees and deny others.

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 2025-12-29 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: OH

Complaint narrative:
I am submitting this complaint to formally dispute multiple addresses, name variations, and outdated employer information that continue to be inaccurately reported on my credit report. Despite repeated disputes and months of correspondence, these inaccuracies remain. This ongoing reporting of incorrect information constitutes a failure to maintain accurate, complete, and verifiable records as required under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i and 1681s-2. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX Date Updated : XX/XX/year> XXXX XXXX XXXX XXXX Date Updated : XX/XX/year> These addresses and employer records are either outdated, inaccurate, or not associated with me. Their continued reporting despite prior disputes represents non-compliance with FCRA requirements 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