vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have a loan from this company for XXXX  XXXX. Since opening the loan I have had it on auto pay. I once made an additional payment to the account but somehow my autopayment amount was changed under the minimum. After getting this notice I called the company to have them correct the autopay in which they did and told me my account was now up to date. There was no mention of a balance owed as I previously overpayed. A year later I realized I seen an email from them from and outstanding balance. For almost year they've charged me {$25.00} a month for a late payment, since the time I called and had them fix the autopsy. I've been charged over {$300.00} in late fees on a $ XXXX dollar supposed late payment. But the last time I spoke with them my account was good and auto pay was covering the minimum. Also the billing history is setup odd as it doesn't just show the one monthly payment made

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 2025-05-08 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: CT

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2025-05-08 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: CT

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Bankruptcy
Company: MOHELA
State: OK

Complaint narrative:
I filed for XXXX XXXX  bankruptcy with the XXXX XXXX XXXX Court of XXXX in XX/XX/XXXX and received my discharge on XX/XX/XXXX, under case reference number XXXX. I notified Mohela, my student loan servicer, multiple times and sent the bankruptcy discharge documents via email twice. I also uploaded these documents to the servicing portal on XXXX occasions. Despite this, they continue to send me collection and payment notices to my email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: MA

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( 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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I asked for my Chex systems report at the beginning of XX/XX/year> and never heard back just my social security number is being used by someone else. If know this your not helping just giving me the run around by said send a copy of my social security card whats that go solve. I need my Chexsystems report

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am writing in response to an item that has appeared on my tenant screening report or has been communicated to me by your office. I do not recognize this debt, and I am formally requesting that you validate it in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: FL

Complaint narrative:
Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 
The following accounts are results of data trafficking/Identity theft! Please take action and remove them from my credit report asap! 
Account Name : 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 Date Opened XX/XX/XXXX Account Name : 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  Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : 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 Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/XXXX, I got a text from the Wells Fargo bank, saying to confirm if I paid for something I didn't, so I texted no and there was a call made for fraud from the bank. I told them my account info and my user name and I give them my card to Wells Fargo so they can help me. They then said they turn my account, and my card off, and investigate what's going on. For around a month I didn't get my account back, and when I finally did, I noticed I lost a lot of money. So I went to the Wells Fargo bank, and got a transcript of my checking/savings account history and found out that their were many unusual purchases from XXXX XXXX and a {$2000.00} bank with drawl and I wasn't notified all of that from Wells Fargo 's . I put in 2 claims about the unusual purchases, and then a couple weeks later I got a mail from them saying that they found " the purchases from the claim to be made by me or someone else 's permission. '' Their were NO permission from me to be making all of the purchases, from XXXX XXXX  and the money with drawl. Please I need your help to make an investigation on the $ XXXX I lost from my bank account. From the Wells Fargo bank, and the unusual purchases at 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 2025-05-08 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: GA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX Account name : XXXXXXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION
State: NE

Complaint narrative:
I financed a XXXX XXXX XXXX XXXX through Credit Acceptance in XX/XX/XXXX. The vehicle was repossessed in XXXX, after I had paid a total of {$31000.00} toward the loan. I was later notified by XXXX XXXX XXXX that a deficiency balance of {$10000.00} remained. According to the documents I received, the vehicle was sold at auction for only {$6900.00}, which is far below fair market value. This unfair sale price significantly inflated the deficiency balance. 

In XX/XX/XXXX, I sent certified dispute letters to both Credit Acceptance and XXXX XXXX XXXX requesting validation of the debt, including a breakdown of the balance, proof the vehicle was sold in a commercially reasonable manner, and evidence that XXXX XXXX XXXX had the legal authority to collect the debt. As of today, I have received no response from either company. Despite this, the account continues to be reported to the credit bureaus. 

I believe the deficiency balance is inaccurate and the continued reporting of this account is in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-05-08 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: CA

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section XXXX of the Fair Credit Reporting Act.

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 2025-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: FL

Complaint narrative:
ON XX/XX/year> @ XXXX I WAS SENT A LETTER STATING THAT THE ACCOUNT I HAVE NO KNOWLEDGE OF WAS CLOSED BY THE CREDITOR BECAUSE THEY WERE UNABLE TO VERIFY PERSONAL INFORMATION. ( LETTER FROM DISCOVER CARD IS ATTACHED ) THIS CLEAR STATES THAT DISCOVER CARD LET SOME ONE OPEN UP A CREDIT CARD ACCOUNT IN MY NAME AND THEY DIDNT VERIFY PERSONAL INFORMATION PER THE LETTER. FOR OVER XXXX XXXX, DISCOVER HAS BEEN INCORRECTLY AND FALSELY REPORTING TO THE CREDIT BUREAUS CREDIT INFORMATION TO MY REPORT AND HAS GIVEN ME A HARD TIME BOUT REMOVING THIS ACCOUNT OFF MY CREIT FILE THUS CAUSING ME TO SUFFER FROM GETTING AUTO AND HOME LOANS. DISCOVER CARD HAS ADMITTED IN THE LETTER THY COULD VERIFY PERSONAL INFORMATION i have suffered financial losses directly resulting from the false reporting, such as higher interest rates on loans, denied loan applications

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: TN

Complaint narrative:
Recently i looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
here is the item i am asking you to verify as accurate : Account Name : XXXX 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 non-monetary relief
Consumer complaint received 2025-05-08 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.

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$10000.00}, XXXX XXXX bank XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX. Inquiries : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 ( XXXX ) as proof from the XXXX 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 non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am sick and tired of dealing with nonsense and nuance created by Citibank. 
Last month after unsuccessfully spending numerous hours on the phone with Citi, I had to get CFPB involved to remove a an unfair and inaccurate block on my credit card ( while my statement balance was negative ). Even after intervention from CFPB, it took them about XXXX weeks to correct the issue ( has to get IT teams involved ). 

Now last week, they abruptly lowered my revolving credit limit by 90 % of my original credit limit. Leaving me with embarrassing situations when my transactions started declining while with friends and family members. I received an email informing of that decision by some automated fraud / risk monitoring system. I called Citi and requested them to review it and reinstate my previous credit limit. My request was declined citing some bankruptcy plan on my credit report ( issued by XXXX  ). Which can't be any further from truth. There is nothing like that happening. I have a high paying stable job and current credit score of " Very Good ''. This is extremely frustrating situation for me. These faulty and inaccurate automated systems at Citi are creating stressful situations and tarnishing financial reputation and extremely sound 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 explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
Account XXXXXXXX XXXX XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account XXXX XXXXXXXX as soon as possible from my credit report or I will have to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: AZ

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV FUNDING Has falsely reported inaccurate balances and debt on my credit report with all credit agencies. 

LVNV FUNDING does not have my consent does not have my permission does not have signed contract with me to collect on 2 debts. 

LVNV FUNDING has reported negative remarks on my credit report with all agencies and continuously sends mail and makes phones calls impersonating legal representatives. 

This company does not have my consent to be sharing or selling my information without a signed contract. 

Debt balances have changed to Debt balance 1. XXXX XXXX balance 2. XXXX Attempting to collect on a debt that has no signed consent contract no signed contract with LVNV FUNDING. 

Company does not have any affiliation with me or any signed contract with me. 

Company has changed the dates to reflect most recent dates falsely reporting on inaccurate information and with no signed contract or permission. Company LVNV FUNDING IS VIOLATING MY RIGHTS!

Company response to consumer: Closed with explanation