vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HW Holding, Inc
State: NV

Complaint narrative:
Hunter Warfield Inc is trying to collect debt from an apartment complex property called Walker Landing in XXXX, CO. They made threats, and pretended to be a legal entity. The property is being sued in small claims and I am being represented by XXXX XXXX  XXXX. I am also on XXXX  military duty. The property failed to provide a habitable apartment/dwelling. Multiple attempts and work orders were opened to try and fix the apartment but property management failed to make that happen for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: OH

Complaint narrative:
I am writing this dispute because XXXX  is allowing American  profit recovery to report to my credit file inaccurate information. I do not acknowledge this debt as it does not belong to me. The presence of this account on my credit file is inaccurate, inconsistent, and legally non-compliant with federal law. This collection is only being reported by XXXX, and not by XXXX  or XXXX, making it incomplete, misleading, and inconsistent, violating the Fair Credit Reporting Act ( FCRA ), which requires that all information be accurate, complete, and not misleading. Furthermore, I want to make it clear that just because a third-party collection agency has my personal information does not mean this account is mine. I was a victim of the XXXX  data breach, where XXXX  of XXXX had their personal data exposed. It is entirely possible that this alleged account was opened or assigned due to compromised personal information. Therefore, I am demanding that this account be immediately deleted from my XXXX  credit report. You are required under federal law to investigate and remove unverifiable or inaccurate information. Applicable FCRA Violations : 602 ( A ) Reporting must be fair, accurate, and not misleading. 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] Reasonable procedures must be followed to ensure maximum possible accuracy. 611 [ 15 U.S.C. 1681i ] Upon dispute, agencies must reinvestigate and delete unverifiable information. 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ] Data furnishers must not provide inaccurate or incomplete information. 623 ( b ) ( 1 ) [ 15 U.S.C. 1681s-2 ( b ) ( 1 ) ] Furnishers must correct or delete inaccurate information after a dispute. Again, this account is unverified, unauthorized, and inconsistent across the major bureaus. If it can not be fully verified with complete documentation, you are required by law to delete it. Please provide confirmation of deletion within the 30-day investigation window per FCRA guidelines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: AZ

Complaint narrative:
They submitted these inquiries without warning, and they might not be approved. Review all supporting materials.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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:
I am writing to formally dispute the presence of accounts on my credit report that have been reported under my name without my knowledge, authorization, or consent. I have never opened or managed these accounts, and their inclusion is completely inaccurate and misleading. 

This misreporting is unacceptable and has caused me considerable distress, as it misrepresents my financial history and negatively impacts my credit standing. I take my credit profile very seriously, and I am requesting immediate clarification on why these accounts are appearing and which entity is responsible for reporting them.

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 2025-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC.
State: WI

Complaint narrative:
I disputed a transaction with my soFi bank due to an unauthorized transaction that was made on XX/XX/XXXX. The transactions came from a merchant called XXXX  and there were 6 transactions from totalling up to $ XXXX. I made a dispute, they denied my case telling me no error was found. I requested for the case to be open back along with me providing new evidence. I provided them all the evidence I had, even a full conversation with multiple remitly agents specifically telling me that a fraudulent account was opened up using my debit card information. The bank still denied it. I did get a reversed transaction back from a different merchant before that dispute was resolved so that's good. On the other hand, XXXX  kept telling me that they will reach out and coordinate with my bank. I have not got no emails at all whatsoever besides the dispute resolution so I reached back out to XXXX  again to confirm if my bank did indeed reached back out to them and they said no. I just need some more help, cause there's nothing else I can do at this point as my sofi bank did closed my account due to violation. I have proof from the merchant that they specifically said they knew I wasn't the one who'd authorized it and everything and they still tell me there were no errors. Now I will admit a year ago in XXXX I did allow someone to make a deposit into my account under the impression that I was working a legitimate job but after finding out, I cut them off and closed my debit card so they're literally going based off what happened a year ago rather than actually investigating the transactions that were made with remitly merchant this year. I need you guy 's help. If you need documents, I can provide you guys it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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:
I am writing to formally dispute the presence of accounts on my credit report that have been reported under my name without my knowledge, authorization, or consent. I have never opened or managed these accounts, and their inclusion is completely inaccurate and misleading. 

This misreporting is unacceptable and has caused me considerable distress, as it misrepresents my financial history and negatively impacts my credit standing. I take my credit profile very seriously, and I am requesting immediate clarification on why these accounts are appearing and which entity is responsible for reporting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: FL

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that Equifax immediately block and permanently remove multiple fraudulent accountsspecifically Collections, Charge-Offs, Late Payments, and Hard Inquiriesthat were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report XXXX along with supporting documentation, including proof that my personal data was compromised in the Equifax data breach. One such fraudulent account is a credit card reported by XXXX XXXX  XXXX  ( account number ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), opened on XX/XX/year>2015, with a balance of {$8900.00}. I am requesting that Equifax take immediate action to investigate and permanently remove this and any other fraudulent accounts from my consumer credit file in accordance with FCRA 605B. I am filing this FTC Identity Theft Affidavit to report 1 fraudulent account appearing on my consumer FICO Equifax credit report which I do not recognize and which is the result of identity theft and fraud. This fraudulent account is a credit card opened at XXXX XXXX  DELAWARE on XX/XX/year>2015 under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a reported balance of {$8900.00}. This account has resulted in fraudulent hard inquiries and may have contributed to collection activity on my credit profile. I demand that this fraudulent item be removed from all of my consumer credit reports and that any collection activity related to it cease immediately, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Glory LLC
State: WA

Complaint narrative:
o Whom It May Concern, I am filing a formal complaint against Credit Glory, a credit repair organization I contracted with to help improve my credit score and remove inaccurate items from my credit report. Despite making regular monthly payments for their services, I have not seen any meaningful improvement in my credit scores.

From the beginning, Credit Glory outlined a plan to dispute and remove several items from my credit report. However, not all of the items they promised to address were handled, and the outcomes delivered did not meet my expectations. There has been a noticeable lack of progress, with little to no communication on the status of disputes or updates regarding my credit file.

As a result, I feel that I have paid for services that were not effectively rendered. This lack of transparency and measurable results is both disappointing and concerning, especially as I trusted Credit Glory to act in my best financial interest.

I am requesting that the CFPB investigate this matter and take appropriate action to ensure consumers like myself are protected from ineffective or misleading credit repair services. I would also like to request a refund for the services that did not yield any tangible or documented results.

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This letter serves as my formal notice of dispute concerning certain account listed on my credit report that I believe was accessed or reported without a permissible purpose as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b. Under the FCRA, a consumer reporting agency may furnish a consumer report only under specific, lawful purposes listed in 1681b ( a ). Any entity that accessed my credit file without my authorization or without a valid legal reason has done so in violation of this federal law. 

Upon reviewing my credit reports, I found entries that I did not authorize, nor did I initiate any transaction that would justify such access. These unauthorized entries violate 1681b ( f ), which prohibits users from obtaining a consumer report without a permissible purpose. 

Legal Precedent : In the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. ), the court ruled in favor of the plaintiff, stating that a credit report pulled without a valid permissible purpose under FCRA constitutes a willful violation, which is actionable. 

Furthermore, multiple credit bureaus were defendants in recent lawsuits filed in XXXX for re-reporting or permitting access to consumer reports after the accounts were removed, which is also considered a willful disregard of consumer rights. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-04 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: NJ

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX  anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-08-04 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: NY

Complaint narrative:
Its with real disappointment that I have to keep pushing on these inaccuracies. You'd think, with all the scrutiny on the credit reporting industry lately Like the CFPB 's been quite active in addressing issues like the headlines about settlements and fines against those who don't play by the rules like the recent action against each of the major 3 credit reporting agencies aka the so-called XXXX CRAs. As examples ( XXXX ) CFPB Orders Equifax to Pay {$15.00} XXXX for Improper Investigations of Credit Reporting Errors, ( 2 ) On XX/XX/XXXX, the Bureau filed a lawsuit against Experian Information Solutions , Inc., alleging that Experian violated FCRA by failing to properly conduct reinvestigations of disputed information in consumer credit files ; failing to delete inaccurate, incomplete, or unverified information in consumer credit files ; failing to provide adequate written notice to consumers of the results of its reinvestigations ; failing to prevent the improper reinsertion of previously deleted information from consumer credit files ; and failing to follow reasonable procedures to assure maximum possible accuracy of the credit information Experian reports on consumers, and more even. Literally, CFPB sues Experian for sham investigations! Plus, in XXXX, the Consumer Financial Protection Bureau ( CFPB ) took several actions against credit bureaus, including TransUnion, for violations of consumer financial protection laws. These actions focused on issues like inaccurate credit reports, failures to timely address security freezes, and the reporting of debts, particularly misreported medical debt. This led to a huge TransUnion fine for inaccurate eviction records. And more, the CFPB took actions against data brokers, proposing a rule to clarify that data brokers ARE subject to the Fair Credit Reporting Act ESPECIALLY when they sell sensitive consumer information. that basic accuracy would be a given. Yet here we are. These errors are impacting my life, and I need your firm commitment to investigate and rectify them immediately. Its about more than just my report ; its about ensuring the system works as it should for everyone. 
I respectfully close with sincerity!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Greetings, My Sams Club credit card ( Synchrony Bank, acct ending XXXX ) was reportedly closed around XX/XX/scrub> 2025, but Synchrony continued accepting payments. Despite consistently paying on time through my XXXX XXXX account, Synchrony took over 5-7 business days to process many payments, resulting in rejections and unjustified late fees. My balance increased to {$810.00} through no fault of my own. 

According to Synchrony Banks own policy, payments made through a linked external bank account should post within 2 to 3 business days. These delays sometimes over 7 days violated their own timeline and triggered fees that I should not have been charged.

I added a second bank account to make larger payments, but Synchrony failed to withdraw a scheduled payment from that account as well. After I called them, payments suddenly processed correctly in 12 business days proving the issue was with Synchrony, not my banks.

I have continued making payments because I dont want my credit damaged, even though the fees and inflated balance were not my fault. As of now, I have reduced the balance to approximately {$700.00}.

Despite my efforts to pay and resolve the situation, I began receiving collection calls, adding stress and fear of credit harm. This seems unfair and possibly illegal under the FDCPA.

Doing some research. Ive found many other consumers reporting nearly identical issues with Synchrony Bank, showing a larger pattern of abusive or negligent practices. I respectfully request all unjustified fees be reversed, the current balance of {$700.00} be cleared, all collection activity stopped, and any negative credit reporting be corrected or removed. 

Sincerely XXXX XXXX ( XXXX ) XXXX - 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 2025-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-08-04 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: AZ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
TO : TransUnion LLC XXXX. XXXX XXXX XXXXXXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX RE : FINAL DEMAND FOR ACCOUNT REMOVAL Case No : XXXX NOTICE OF FCRA VIOLATION LEGAL ACTION PENDING To Whom It May Concern, This letter serves as a final demand to immediately remove the following inaccurate and unverifiable accounts from my credit report. These accounts have already been permanently deleted by Experian as a result of a lawsuit I filed under Case Number XXXX. 

Under the Fair Credit Reporting Act ( FCRA ) specifically 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2 all consumer reporting agencies are required to report only accurate and verified information, and to maintain consistency across credit files. You are now legally obligated to ensure that my credit file reflects the same corrections as made by Experian. 

ACCOUNTS TO BE DELETED IMMEDIATELY : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX These accounts were either inaccurate, unverifiable, or included in legal proceedings which resulted in their removal. You are hereby notified that failure to delete these accounts within 15 calendar days from the date of this letter will result in a formal lawsuit being filed against your agency for : Willful noncompliance under 15 U.S.C. 1681n Negligent noncompliance under 15 U.S.C. 1681o Failure to ensure maximum possible accuracy Failure to investigate disputed accounts Failure to maintain parity with other consumer reporting agencies Should you fail to comply, I will seek statutory damages, punitive damages, actual damages, and attorneys fees, as provided under the law.

This is your final opportunity to correct the issue before litigation proceeds. I request written confirmation that all three accounts have been deleted from my credit file within 15 days.

Thank you for your attention. 

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