vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 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: LA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: NC

Complaint narrative:
" Please see the attached documentation. I am filing this complaint due to noncompliance with federal law. My consumer report contains inaccurate and unverified late payment reporting, as well as other disputed items, which were previously challenged and not properly investigated or validated. The continued reporting reflects a failure to ensure maximum possible accuracy as required by law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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:
Please review the supplied files ; the inquiries were received without notice and may be unapproved.

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 2025-12-23 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I am submitting a complaint regarding inaccurate billing and subsequent credit reporting related to a XXXX XXXX XXXX free trial. In XX/XX/year>, I signed up in-person at a physical XXXX store for a XXXX free trial of XXXX XXXX XXXX. Approximately one week later, I returned to the same store to cancel the service and return the device because the service did not meet my needs. The store refused to accept the return and instructed me to call XXXX customer service to receive return instructions. After spending significant time on hold, XXXX informed me that I could not return the device in-store and that a return kit with a prepaid shipping label would be sent to me. I requested an address to return the equipment independently to expedite timeframes to ensure completely promptly and within the 30-day window, but they would not provide an address for me to do so and required a return kit be sent to me first. The return kit took over two weeks to arrive. I shipped the equipment back immediately upon receipt of the kit. Because of XXXX delay in providing the required return materials, the 30-day trial period elapsed before XXXX received the device. XXXX then incorrectly treated the account as an active paid subscription, assessed charges and late fees, and ultimately sent the account to collections despite the equipment being returned and the service canceled. I did not authorize paid service beyond the trial period, and I made a good-faith attempt to cancel and return the equipment well within the trial window. The charges resulted solely from XXXX internal return process delay. As a result, XXXX has furnished inaccurate information to the credit reporting agencies, reporting this account as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: CA

Complaint narrative:
These accounts are not connected to my credit history and must be removed within 15 days under USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: GA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
THESE ACCOUNTS WERE NOT OPENED OR APPROVED BY ME. I HAVE NO CONNECTION TO THESE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am submitting this complaint regarding Regional Acceptances failure to accurately report an auto loan on which I am a co-signer. 

The primary borrower filed for bankruptcy and voluntarily surrendered the vehicle, which was accepted by the lender. I am not denying responsibility for any remaining deficiency balance related to this account. However, Regional Acceptance is continuing to report this account inaccurately. 

Specifically, the account is still being reported as open and active, and late payments are being reported after the date of voluntary surrender. Once the vehicle was surrendered, the loan was no longer an active installment account, and continued reporting of late payments is misleading and inaccurate. 

Under the Fair Credit Reporting Act, furnishers are required to report information that is accurate and not misleading. Reporting late payments on an account after a voluntary surrender does not reflect the true status of the obligation and fails to provide a complete and accurate account history. 

I have attempted to address this matter through the dispute process, but Regional Acceptance has failed to cooperate with fair credit reporting practices or correct the inaccurate information.

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 2025-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: NC

Complaint narrative:
The CBE Group Inc has contacted me about XXXX account debt not owed. I literally just filed a complaint with XXXX XXXX on this same debt. How is XXXX companies trying to collect on the same debt. I do not know how these companies are obtaining my information but I have never had a XXXX  account. This is the second company in 5 days that has contacted me about this debt. Please have them remove me from there list and not contact me again with there illegal collection tactics. I do not owe this debt and this debt better not appear on my credit report or else I will sue. The company number is XXXX. There website is XXXX There address is XXXX XXXX XXXX, XXXX XXXX, IA XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute fraudulent information listed on my credit report, pursuant to my rights under 15 U.S.C. 1681c-2, and to request the immediate block and removal of this information. For evidence, I have attached a copy of my FTC Identity Theft Report ( FTC Report Number : XXXX ). 
As stipulated by 15 U.S.C. 1681c-2, upon the filing of an identity theft report, consumer reporting agencies are required to block any information identified by the consumer as stemming from the theft within four ( 4 ) business days. 
The following items on my report are a direct result of identity theft and must be blocked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In compliance with 15 U.S.C. 1681c-2, I respectfully request that these accounts be immediately frozen on my credit report. This block must remain in effect for a period of no less than one year, subject to extension, and during this time, no information related to these fraudulent accounts may be reported.

I have previously contacted the bureau on multiple occasions regarding these accounts, yet the matter remains unresolved. The continued presence of these inaccurate items is causing significant personal and financial hardship by obstructing my ability to secure financing for a home and other essential financial tools. Furthermore, these specific accounts have already been removed by other major credit bureaus after failing verification, which underscores the inaccuracy of their reporting. 
In accordance with my rights, I also requested verification documents and contract copies from the furnishing companies for these accounts. After the legally permissible period has elapsed ( over 60 days ), I have received no response. Given the lack of verification and their fraudulent nature, I respectfully urge you to facilitate the immediate and permanent removal of these accounts from my credit file.

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 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
This complaint is a continuation and supplement to a prior CFPB complaint that was closed as a duplicate. I am submitting new information and documentation that was not available at the time of the original complaint. After the initial filing, Synchrony sent secure emails stating that billing statements were available ; however, when I attempted to access the documents and entered my ZIP code, none of the statements opened. As a result, I still do not have access to my billing statements or required disclosures. Interest continues to be charged during this period despite my inability to access statements. I am requesting review and consideration of this new evidence.

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
As it relates to CFPB Case XXXX XXXX XXXXXXXX XXXX has not provided any evidence they made any attempts to contact me except for some dates they could have easily made up. What solid proof we do have is me attempting to set up auto pay and making a XXXX time payment on XX/XX/XXXX. Their system has a malfunction that is absolutely negligence on their end. From what I read theyve had issues all of end of XXXX and have done this people in the past with no notification. The only notification ever made was that your student loan billing statement is now due nothing signaling a late balance or over due balance. Again We have photo proof that a payment was made and that autopay was setup. Your system failure to operate as expected is not my issue its your problem which has caused this fiasco. In your response on XX/XX/XXXX you said you sent a correspondence saying that your system failed this was never set and I only found out after reaching out to other people in similar issues on XXXX. Not only that but you admit its your systems fault but you want us to call XXXX confirm. No how about you guys own up to your mistake and reach out.

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 2025-12-23 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: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute fraudulent information listed on my credit report, pursuant to my rights under 15 U.S.C. 1681c-2, and to request the immediate block and removal of this information. For evidence, I have attached a copy of my FTC Identity Theft Report ( FTC Report Number : XXXX ). 
As stipulated by 15 U.S.C. 1681c-2, upon the filing of an identity theft report, consumer reporting agencies are required to block any information identified by the consumer as stemming from the theft within four ( 4 ) business days.

The following items on my report are a direct result of identity theft and must be blocked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In compliance with XXXX U.S.C. XXXX, I respectfully request that these accounts be immediately frozen on my credit report. This block must remain in effect for a period of no less than XXXX year, subject to extension, and during this time, no information related to these fraudulent accounts XXXX be reported. 
I have previously contacted the bureau on multiple occasions regarding these accounts, yet the matter remains unresolved. The continued presence of these inaccurate items is causing significant personal and financial hardship by obstructing my ability to secure financing for a home and other essential financial tools. Furthermore, these specific accounts have already been removed by other major credit bureaus after failing verification, which underscores the inaccuracy of their reporting. 
In accordance with my rights, I also requested verification documents and contract copies from the furnishing companies for these accounts. After the legally permissible period has elapsed ( over 60 days ), I have received no response. Given the lack of verification and their fraudulent nature, I respectfully urge you to facilitate the immediate and permanent removal of these accounts from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I financed an online tutoring program through Affirm for {$2100.00}. I attended XXXX sessions, which were low-quality and not as advertised. The remainder of the program was never delivered. 

I attempted to resolve this directly with the merchant multiple times. On XX/XX/XXXX, I emailed them about cancellation ; they said they would resolve the issue within a week but did nothing. I followed up before XX/XX/XXXX and was promised a call on Monday, which never happened. The merchant repeatedly failed to provide the service they promised. 

The merchants website states " no refunds after payment, '' but this does not address cancellation of undelivered services. I was not requesting a refund for services received ; I was requesting cancellation of the remaining undelivered services. 

The merchant also claimed they " canceled the dispute. '' When I contacted Affirm, I was told only the consumer can cancel a dispute, indicating improper interference by the merchant. 

Affirm ultimately denied my dispute, stating that the merchant provided " compelling evidence. '' Affirm did not address non-delivery, broken promises, or improper dispute interference. I am requesting a higher-level review and reconsideration of the dispute based on the full facts of non-delivery and merchant misconduct. 

I am also undergoing XXXX treatment, which I disclosed to the merchant. Continuing to pursue a service that was not delivered became unreasonable due to my medical situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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 am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within XXXX  days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute. 

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within XXXX days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SLM CORPORATION
State: FL

Complaint narrative:
I did not address my first complaint correctly since then I have mailed off letters asking them to review my loan also including correct amount owed which they are reporting the full amount which has damaged my credit incorrect credit reporting I also asked proof of electronic signature and from which IP address it came from, Im asking for validating information to put in my records, but I havent got any response. I have done my due diligence on subject matter containing FORBEANACE steering. I am a cosigner of this loan of a Sallie Mae loan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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