vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank
State: GA

Complaint narrative:
First Digital credit card or my first digital credit card is charging too much interest and fees I have not been paying because I am having hardship and suffering XXXX this card should be close they have not closed the card and keep adding more interest fees on top of fees this is ridiculous when calling all I get telemarketers that I do not understand and can not make way of understanding what it is I need help with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
XXXX ACCOUNT NUMBER XXXX am unaware of this debt and did not have the opportunity to dispute this account.If you believe you sent proper notification, please providecertified mail with receipt displaying my signature.If not please delete account as soon as possible from my report or I will have to take legal action.

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 2025-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
My late mother and I purchased a XXXX XXXX XXXX in XX/XX/XXXX, it was repossessed in XXXX of XXXX because I was no financial position to continue making payments leading to bankruptcy. I wanted to get the vehicle back once I had employment and I was NOT given a Notice of Sale prior to the auction and I had to call to find out the vehicle went to auction. 

I filed bankruptcy in XXXX of XXXX so that I could move eventually and get another vehicle. REGARDLESS of how much time went by Regional Acceptance Corporation HAS VIOLATED the Delaware laws of repossession.

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 2025-05-04 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To : Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Subject : Formal Complaint XXXX XXXX XXXX Reporting Fraudulent Account in Violation of Federal Law Dear CFPB, I am submitting this complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) for their continued reporting of a fraudulent account on my credit report, which I did not authorize or open. I believe I am a victim of identity theft, potentially connected to the 2017 Equifax data breach, which exposed sensitive personal data to criminals and put millions of consumers at risk. 

Despite having sent formal dispute letters and requests for debt validation, XXXX XXXX has failed to provide adequate verification or remove this inaccurate account. Their actions may constitute multiple violations of federal law : Applicable Laws Being Violated : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 1681i Failure to conduct a reasonable investigation of a disputed item.

1681s-2 ( b ) Furnishers ( like XXXX XXXX XXXX must investigate disputes and remove or correct inaccurate information.

1681c-2 Credit reporting agencies must block information resulting from identity theft within 4 business days upon receiving proper documentation.

2. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 1692g XXXX XXXX failed to provide validation of the alleged debt after my written request. 
1692e It is illegal to use false, deceptive, or misleading means to collect a debt, including reporting a fraudulent account.

3. Identity Theft Enforcement and Restitution Act XXXXXXXX XXXX continued reporting of a known identity theft account may support a claim under federal identity theft statutes and entitles me to protection and restitution.

Relief Requested : I respectfully request that the CFPB : Investigate XXXX XXXX XXXX noncompliance with the above laws, Ensure that they cease reporting the fraudulent account, and XXXX XXXX XXXX and the credit bureaus to permanently delete the account unless they provide legal, verifiable documentation proving its validity. 

I am including supporting documentation : A copy of my FTC Identity Theft Report, Dispute letters sent to XXXX XXXX and the credit bureaus, A copy of my government-issued ID. 

Thank you for your attention to this matter. I look forward to your assistance in helping me protect and restore my credit. 

Sincerely, 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 explanation
Consumer complaint received 2025-05-04 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To : Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Subject : Formal Complaint XXXX XXXX XXXX Reporting Fraudulent Account in Violation of Federal Law Dear CFPB, I am submitting this complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) for their continued reporting of a fraudulent account on my credit report, which I did not authorize or open. I believe I am a victim of identity theft, potentially connected to the 2017 Equifax data breach, which exposed sensitive personal data to criminals and put millions of consumers at risk. 

Despite having sent formal dispute letters and requests for debt validation, XXXX XXXX has failed to provide adequate verification or remove this inaccurate account. Their actions may constitute multiple violations of federal law : Applicable Laws Being Violated : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 1681i Failure to conduct a reasonable investigation of a disputed item.

1681s-2 ( b ) Furnishers ( like XXXX XXXX XXXX must investigate disputes and remove or correct inaccurate information.

1681c-2 Credit reporting agencies must block information resulting from identity theft within 4 business days upon receiving proper documentation.

2. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 1692g XXXX XXXX failed to provide validation of the alleged debt after my written request. 
1692e It is illegal to use false, deceptive, or misleading means to collect a debt, including reporting a fraudulent account.

3. Identity Theft Enforcement and Restitution Act XXXXXXXX XXXX continued reporting of a known identity theft account may support a claim under federal identity theft statutes and entitles me to protection and restitution.

Relief Requested : I respectfully request that the CFPB : Investigate XXXX XXXX XXXX noncompliance with the above laws, Ensure that they cease reporting the fraudulent account, and XXXX XXXX XXXX and the credit bureaus to permanently delete the account unless they provide legal, verifiable documentation proving its validity. 

I am including supporting documentation : A copy of my FTC Identity Theft Report, Dispute letters sent to XXXX XXXX and the credit bureaus, A copy of my government-issued ID. 

Thank you for your attention to this matter. I look forward to your assistance in helping me protect and restore my credit. 

Sincerely, 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 2025-05-04 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: FC HoldCo LLC
State: CA

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

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 2025-05-04 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-04 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: AL

Complaint narrative:
I recently reviewed a copy of my credit report and I found some inaccuracies that relate to my account. This account is impacting my ability to obtain credit. I believe you will investigate the account to make sure it is accurate. Here is the account that I am asking you to verify : I am demanding a deletion of the following account. XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: AL

Complaint narrative:
I recently reviewed a copy of my credit report and I found some inaccuracies that relate to my account. This account is impacting my ability to obtain credit. I believe you will investigate the account to make sure it is accurate. Here is the account that I am asking you to verify : I am demanding a deletion of the following account. XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : 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 2025-05-04 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:
XXXX XXXX collections has showed up as a collection on my transunion credit report for a long time. 

It was acquired by XXXX XXXX XXXX XX/XX/XXXX. 
It was opened sometime in XXXX. 

I have never had any knowledge of this account with XXXX XXXXXXXX, or XXXXXXXX XXXX XXXX 
It was opened without my knowledge by my late husband XXXX XXXX. 
Any payments or transactions were done and made without my knowledge. 

My late husband, XXXX XXXX died in XXXX. 

Please remove this from my transunion credit report. 

ASAP!

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 2025-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
Hurricane helene hit our area and our area was considered a disaster area. We asked Shell Point to allow us to do a three month deferment so we could make repairs. They refused, but offered us a three month repayment plan. WE ASKED TWICE IF THIS WOULD HIT OUR CREDIT. SHELL POINT SAID NO. So we agreed to do it and successfully paid it back. Then, we looked into refinancing our home and was shocked to find out that our credit score had went from XXXX to XXXX. The man helping us told us that Shell Point had reported delinquent payments for the time that we did the repayment plan.

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 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally report that my personal information was compromised as a result of the Equifax data breach. I have reason to believe that this breach has directly led to fraudulent activity involving my identity.

Recently, I became aware of several accounts that were opened in my name without my knowledge or authorization. I did not apply for these accounts, nor did I grant anyone permission to use my personal information for such purposes. These fraudulent accounts have caused significant distress, and I am deeply concerned about the ongoing impact on my credit and financial wellbeing.

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly. Additionally, I would appreciate any guidance or assistance you can provide in helping me resolve the fraudulent activity and restore the integrity of my credit profile.

I have already taken steps to report the fraudulent accounts to the relevant financial institutions, and I am in the process of filing identity theft reports with the Federal Trade Commission ( FTC ) and the credit bureaus. I would like these account removed within 4 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally report that my personal information was compromised as a result of the Equifax data breach. I have reason to believe that this breach has directly led to fraudulent activity involving my identity.

Recently, I became aware of several accounts that were opened in my name without my knowledge or authorization. I did not apply for these accounts, nor did I grant anyone permission to use my personal information for such purposes. These fraudulent accounts have caused significant distress, and I am deeply concerned about the ongoing impact on my credit and financial wellbeing.

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly. Additionally, I would appreciate any guidance or assistance you can provide in helping me resolve the fraudulent activity and restore the integrity of my credit profile.

I have already taken steps to report the fraudulent accounts to the relevant financial institutions, and I am in the process of filing identity theft reports with the Federal Trade Commission ( FTC ) and the credit bureaus. I would like these account removed within 4 days.

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 2025-05-05 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: NY

Complaint narrative:
Subject : Request for Blocking and Deletion of Fraudulent Accounts Pursuant to 15 USC 1681c-2 ( a ).

I am contacting you as a victim of the Data Breach. Since my information was compromised, I am invoking my rights under 15 USC 1681c-2 ( a ) to request that any fraudulent accounts associated with my identity be permanently blocked and deleted from my credit file.

Please take the necessary actions to ensure that any unauthorized or fraudulent accounts, as detailed in the accompanying documentation, are blocked and removed from my records.

Please confirm in writing that my request has been processed and that all fraudulent accounts have been blocked and deleted. If you need further information, you may reach me at the contact information provided above.

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 2025-05-04 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: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I am filing this complaint under my rights as defined in the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) regarding inaccurate or unverifiable information appearing on my credit report. The items in question include : Collection Account : MIDLAND CREDIT XXXX Collection Amount : {$660.00} Account Info : XXXX Contact Info MIDLAND CREDIT XXXX XXXX, MI XXXX ( XXXX ) XXXX These accounts are either inaccurate, do not belong to me, or can not be verified in compliance with federal law. I have attempted to dispute these with the relevant credit bureaus and/or furnishers, but have not received a satisfactory or timely resolution.

Under 15 U.S.C. 1681i, information that can not be verified must be deleted from my report. I am requesting that these accounts be investigated and removed from all credit reporting agencies.

I respectfully ask that this issue be resolved within 14 days as the ongoing inaccurate reporting is causing harm to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: DE

Complaint narrative:
I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the acceptable items which only 2 are required per the LAW. Which i have provided my documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ) XXXX  $ XXXX Date Opened : XX/XX/XXXXXXXX XXXX- High Credit : {$1600.00} {$1600.00} {$1600.00} - Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX- High Credit : {$0.00} {$0.00} {$350.00} -Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX- High Credit : $ XXXX XXXX XXXX : - XX/XX/XXXX XXXX High Credit : {$0.00} $ XXXX Date XXXX : - XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX High Credit : {$40000.00} {$40000.00} {$40000.00} - Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX High Credit : {$650.00} {$100.00} - Date Opened : XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: DE

Complaint narrative:
I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the acceptable items which only 2 are required per the LAW. Which i have provided my documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ) XXXX  $ XXXX Date Opened : XX/XX/XXXXXXXX XXXX- High Credit : {$1600.00} {$1600.00} {$1600.00} - Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX- High Credit : {$0.00} {$0.00} {$350.00} -Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX- High Credit : $ XXXX XXXX XXXX : - XX/XX/XXXX XXXX High Credit : {$0.00} $ XXXX Date XXXX : - XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX High Credit : {$40000.00} {$40000.00} {$40000.00} - Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX High Credit : {$650.00} {$100.00} - Date Opened : XX/XX/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 2025-05-04 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: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
Re : Portfolio Recovery Systems According to FCRA Section 1681, it is illegal to report anything on my credit report without my permission. Please remove this negative item. Thank you.

Company response to consumer: Closed with explanation