vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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: GA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
On XX/XX/XXXX, TSI or also known as Transworld Systems Inc reached out to me regarding a debt. The original conversation on that date : TSI informed me of the debt inquired if i was able to make a payment i advised i was not able to make a payment towards the debt they asked when would i be able to make a payment advised i was not sure due to my financials at the time and being in school. I then advised the individual that i would like to not receive contact over the phone the individual went silent and disconnected the call. On XX/XX/XXXX, the same individual called back with the same line of questions. I then inquired when was the last time i spoke with him and if he recalls the conversation held that date. He then became combative advised they are calling because the balance is over 7 days late i advised him not an issue but i told them on XX/XX/XXXX that i wish to not receive contact over the phone. He then said he didnt note that. I reintegrated the call held on the XXXX and that he isnt suppose to call to collect after requested not to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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:
I did not create these accounts nor was I aware of them. Kindly remove them from my credit history under USC 1681g within 15 days. Attached is supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: MD

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. 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 list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-16 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:
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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Regional Management Corporation
State: CA

Complaint narrative:
A company ( Regional Finance ) has contacted me claiming that I cashed a check from them that they sent me in the mail, and now owe them repayment. In fact, I never received nor cashed any such check. Now, they are contacting me on a daily basis trying to get me to confirm personal information over the phone, which I refuse to provide them. This seems like a phishing attempt.

More details are provided in the the attached document.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: CBC Companies, Inc.
State: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: IN

Complaint narrative:
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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-16 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: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
PLEASE REMOVE OFF ALL CREDIT BUREAU PROFILESXXXX XXXX XXXX Credit Acceptance Amount {$14000.00} reported Past Due Is reported INACCUARATE. This car was totaled out XX/XX/XXXX. Settled amount {$11000.00}. Credit Acceptance was paid on XX/XX/XXXX. I had already paid 38 % of the loan. The Price of vehicle was {$22000.00}. They are trying to collect interest on a dead loan. Credit acceptance offered a settlement of {$3000.00} to finance me another vehicle. I went to dealerships told them to only consult with credit acceptance because they are going to finance my vehicle. All the Car lots lied and said they would work only with CA and ran my credit through all the same banks.

I HAVE 34 UNAUTHORIZED AUTO CREDIT INQUIRIES. PLEASE DELETE THESE OFF MY PROFILES. I FILED THEFT OF IDENTITY WITH ALL 3 BUREAUS. Although ALL ( 3 ) BUREAUS SHOWED A CREDIT FREEZE and said there was a pending investigation. I never received mail. When I called, I was always told we are still investigating. MY SOCIAL WAS LEAKED IN THE XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and in the BLACK MARKET. I had BANK ACCOUNTS OPENED IN MY NAME UNKNOWINGLY. I STARTED RECEIVING THREATS OF GARNISHMENTs INCLUDING FROM CREDIT ACCEPTANCE THEM KNOWING I DID NOT OWE THEM THE MONEY. I FILED THE BANKRUPTCTIES > CREDIT ACCEPTANCE IS INCLUDED IN ALL OF THE XXXX XXXX BANKRUPTCIES. Credit Acceptance agreed with my XXXX XXXX that they would not pursue any interest on the loan being that the vehicle was totaled loss and the had received more than the retail value. XXXX XXXX XXXX in XXXX TN. Due to NON COMMUNICATIOPN IN LETTER AS CREDIT ACCEPTACE PROMISED, MY ATTY KEPT FILING XXXX  XXXX. Later to find out he had XXXX. My credit receives many adverse decisions based on the multiple unauthorized hard inquiries. I still to this day have not been able to get a car loan due to Credit Acceptance reporting inaccurately, my identity definitely has been stolen and being used in XXXX TN. The Credit Bureaus failed to do proper investigations to clear the matters of concern or at least guide me properly on how to protect my identity from further scrutiny. 

XXXX XXXX XXXX PLACED MY INFORMATIONIN COLLECTION XXXX, That is NOT MINE. When I called XXXX XXXX XXXX I told them that is not my account. 

I CANCELLED INSURANCE WITH XXXX XXXX AND BECAUSE THEY DID NOT STOP COVERAGE, they have sent me to collections for {$220.00}. I had coverage with XXXX XXXX at the time they are stating I owe.

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 2025-07-16 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: CO

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

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 2025-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Synchrony Bank, which issues my PayPal Cashback Mastercard credit card, continues to charge interest on my account even after I overpaid my balance. Despite multiple attempts to resolve the issue, the bank has refused to correct the underlying problem. 

In early of XXXX XXXX, I accidentally made two payments on my credit card, resulting in an overpayment. This brought my balance to {$0.00}. When I contacted the bank in mid of XXXX, a representative confirmed that I had no payment due in month of XXXX. 

Relying on this information, I did not make a payment in XXXX. Despite having a {$0.00} balance, I was charged interest in XXXX. I contacted the bank, and they admitted the interest should not have been charged and waived it. 

However, in XXXX I was charged interest again. The bank told me that this was because I did not make a payment in XXXX, even though I had no due amount and no balance due and they previously confirmed this on the phone. They also informed me that this interest charge might continue in XXXX, even if I pay the full balance again. 

This appears to be a systemic billing error or an unfair policy, and they are unwilling or unable to correct the logic. I am now being penalized for following their guidance and maintaining a {$0.00} balance.

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 2025-07-16 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: Open Dealer Exchange, LLC
State: PA

Complaint narrative:
I am writing to report two unauthorized hard inquiries on my credit reportone by 700/XXXX XXXX XXXX XXXX XXXX and one by 700XXXX XXXX dated XXXX all of which continue to appear on my XXXX XXXX XXXX XXXX files despite my disputes. I never applied for auto financing or gave permission for these credit pulls, XXXX XXXX XXXX ( Automobile Dealers and 700CrediXXXX XXXX ( Automobile Dealers, and they are clearly the result of fraudulent activity. Their continued presence is falsely inflating the number of inquiries on my report, dragging down my credit score, and causing me to be denied credit cards and loan products that I legitimately qualify for. This unwarranted damage is especially frustrating given that all of my legitimate accounts rent, XXXX, XXXX are in perfect standing and I have worked diligently to rebuild my credit after resolving a XXXX identitytheft incident. I respectfully demand that XXXX XXXX XXXX XXXX immediately delete these two fraudulent inquiries from my credit reports to restore the accuracy of my file and prevent further financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I wrote to PayPal to request a full review of my recent account closure, which I believe was made in error and is related to a disputed transaction with a seller named XXXX XXXX ( Transaction ID : XXXX ; Case ID : XXXX ). 
On XXXX XXXX XXXX, I made a payment of {$73.00} USD to this seller. After the transaction, I received a partial refund of {$9.00} USD, which appeared to acknowledge an overcharge however, I never received the product I paid for in full. 

Despite my efforts to resolve the issue through PayPals Resolution Center, I was surprised to find that my account was permanently closed shortly thereafter, without clear explanation. 

I have requested the following from PayPal : A complete explanation of why my account was closed and whether it was linked to this transaction. 


A formal review of the seller 's history, as I suspect possible fraudulent or deceptive behavior. 


Reinstatement of my PayPal account, as I have no history of abuse or misuse and have always acted in good faith. 


If there are any documents or additional information needed from my end to support this request, I am happy to provide them. 

Please escalate this matter to a supervisor or risk analyst team if necessary. 

Thank you for your time and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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:
My credit profile is inaccurate which is not fair to me. Please investegate thus and fix it. I'm really sick and tired of these XXXX. Should there be any updates on my inquiries, I'm gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
I am a XXXX XXXX XXXX XXXX and was recently exposed to a data breach. While attempting to apply for a Home Equity Line of Credit ( HELOC ) due to a medical emergency, I discovered multiple fraudulent accounts and inquiries on my credit report. 

I properly submitted a formal dispute to TransUnion, referencing accounts that I did not open, and included documentation showing proof of identity and address. Despite this, TransUnion falsely verified at least two of the disputed accounts as accurate, including : XXXX XXXX XXXX XXXXXXXX XXXX Spring Oaks Capital XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) These accounts are fraudulent, and TransUnions failure to properly investigate and correct the errors violates the Fair Credit Reporting Act ( FCRA ), specifically : 1681i : Failure to reasonably investigate and correct disputed information 1681e ( b ) : Failure to ensure maximum possible accuracy 1681c-2 ( 605B ) : Failure to block information resulting from identity theft Additionally, unauthorized hard inquiries remain on my file, despite not having initiated those applications. These inquiries are harming my creditworthiness and occurred without my consent, violating 1681b. 

I am requesting the CFPB take action to ensure TransUnion : Immediately removes the fraudulently verified accounts and inquiries Provides an updated and corrected copy of my credit file Reviews their internal investigation procedures for compliance with FCRA This situation has not only caused financial hardship but has also interfered with urgent medical financing I was pursuing in good faith.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
I am a victim of identity theft and was recently exposed to a data breach. While attempting to apply for a Home Equity Line of Credit ( HELOC ) due to a medical emergency, I discovered multiple fraudulent accounts and inquiries on my credit report. 

I properly submitted a formal dispute to TransUnion, referencing accounts that I did not open, and included documentation showing proof of identity and address. Despite this, TransUnion falsely verified at least two of the disputed accounts as accurate, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) These accounts are fraudulent, and TransUnions failure to properly investigate and correct the errors violates the Fair Credit Reporting Act ( FCRA ), specifically : 1681i : Failure to reasonably investigate and correct disputed information 1681e ( b ) : Failure to ensure maximum possible accuracy 1681c-2 ( 605B ) : Failure to block information resulting from identity theft Additionally, unauthorized hard inquiries remain on my file, despite not having initiated those applications. These inquiries are harming my creditworthiness and occurred without my consent, violating 1681b. 

I am requesting the CFPB take action to ensure TransUnion : Immediately removes the fraudulently verified accounts and inquiries Provides an updated and corrected copy of my credit file Reviews their internal investigation procedures for compliance with FCRA This situation has not only caused financial hardship but has also interfered with urgent medical financing I was pursuing in good faith.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: MA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXXXXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$140.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : 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 2025-07-16 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall 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 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