vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a formal complaint against Experian for its failure to remove a fraudulent account from my credit report, as required by the Fair Credit Reporting Act ( FCRA ).

I disputed the account in question based on identity theft, pursuant to 15 U.S.C. 1681c-2. I submitted both a police report and an FTC Identity Theft Report ( FTC Report Number : XXXX ) as evidence. Although Experian acknowledged my dispute, it has not complied with the legal obligations established by federal law. 

Despite my request to block and delete the fraudulent item, the following account remains on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX Legal Basis : 15 U.S.C. 1681i ( 7 ) Credit reporting agencies are required to provide a description of the procedures used to investigate disputed information within 15 days of receipt. I have not received any such documentation from Experian.

15 U.S.C. 609 ( a ) ( 1 ) ( A ) Agencies must verify disputed accounts through physical inspection of the original signed consumer contract. Without this level of verification, the presence of inaccurate or fraudulent data is a violation of consumer protection law. I am requesting the immediate deletion of this unauthorized account.

15 U.S.C. 1681e ( b ) Credit bureaus are obligated to follow reasonable procedures to ensure maximum possible accuracy. If any item can not be verified, it must be removed under 1681i ( a ) ( 5 ).

Failure to Investigate Properly : 15 U.S.C. 1681i After receiving my dispute, Experian did not complete a proper investigation within the 30-day time limit mandated by law, nor did it provide adequate resolution.

15 U.S.C. 1681c-2 Experian was required to block identity theft-related information within four business days of receiving my valid identity theft report, which it failed to do.

Additionally, under 609 ( a ) ( 2 ) and 1681i ( 7 ), Experian is obligated to remove unverifiable or inaccurate information, which has not been done.

Failure to Maintain Reasonable Procedures ( 15 U.S.C. 1681e ( b ) ) Experian has not demonstrated that it followed the required procedures to ensure the accuracy and completeness of my file. I am requesting a detailed explanation of the methods used and the permanent removal of the disputed account. 

I respectfully request that the Consumer Financial Protection Bureau take appropriate action to enforce compliance with federal law and hold Experian accountable for its ongoing violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting a formal dispute against XXXX XXXXXXXX for illegal re-aging of a charged-off account, as reported to all three credit reporting agencies under the following report identifiers : Equifax Report Confirmation XXXX, Experian Report Number XXXX, and TransUnion File Number XXXX. The XXXX XXXX account was charged off and closed in XXXX. However, all three credit bureaus continue to report the account with ongoing charge-off status and monthly updates through XX/XX/XXXX, despite no consumer activity, no payment agreement, and no new contract initiated since the charge-off. This continued reporting constitutes unlawful re-aging in violation of FCRA 1681c ( a ) ( 4 ), which prohibits furnishing derogatory data based on post-charge-off activity. The monthly updates falsely inflate the age and severity of the delinquency and mislead both creditors and credit scoring algorithms. This practice is also a violation of FCRA 1681e ( b ), which requires accurate and non-misleading information, and FCRA 1681i ( a ) ( 5 ) ( A ), which mandates deletion of inaccurate or unverifiable data. As of the most recent credit reports dated XX/XX/XXXX : Equifax continues to report Profit and Loss Write-Off with a Reported Balance of {$6100.00} and a past-due amount and Available Credit - {$1100.00}, despite the account being closed in XXXX. Experian reflects a continuous charge-off status and aging of delinquency well into XXXX. TransUnion also shows monthly updates of the charge-off, re-aging the account without basis or verification. Past due balances are being reported by all credit reporting agencies, at the same time as charge off and profit and loss write off. Therefore, I request the immediate and permanent deletion of the XXXX XXXX tradeline from all three credit reports. Under FCRA 1681i ( a ) ( 8 ), I am invoking the right to expedited deletion of this account within three business days of receiving this dispute, which allows the bureaus to bypass procedural reinvestigation obligations in favor of immediate resolution. As the account is unverifiable, misleading, and reported in violation of multiple FCRA provisions, failure to delete will result in legal escalation, including complaints to federal agencies such as the FTC and IRS, and potential civil action for willful noncompliance.

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
After receiving multiple phone calls from portfolio recovery, I sent an email on XXXX XXXX, 2025 requesting for debt validation. I specifically asked for Proof of the original debt, including the name of the creditor and the amount owed secondly asked for the chain of custody of the alleged debt, Thirldy I asked for the Forward flow agreement as well as any documentation that I am in contract to compensate portfolio recovery. Portfolio has failed to provide validation of alleged debt. 

I specifically asked for Portfolio Recovery not to contact me or use any correspondence other than US mail. Portfolio Recovery has refused to abide by my request to only respond by US mail and continues to call my phone. I contacted by phone today to inform them of my correspondence to stop any communication other than US mail and they refused to acknowledge my request because I would not give them any of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am filing this complaint regarding deceptive financing practices related to my XXXX XXXX  store credit card issued by Synchrony Bank. In XX/XX/XXXX, I purchased furniture at XXXX XXXX ( XXXX, CA ). Relying on my prior positive experiences with XXXX and Synchrony ( since XXXX ), I was led to believe I was enrolling in a fixed monthly payment loan similar to previous purchases I had financed and paid off without issue. 

However, without proper disclosure or explanation, the sales associate enrolled me in a " 24 months no interest if paid in full '' deferred interest plan. This critical loan condition was never discussed or explained to me. I was told my payments would be approximately $ XXXXmonth for 24 months. At no point did the associate mention that failure to pay off the full balance manually by the 24-month deadline would result in retroactive interest charges. 

I trusted this was a standard installment plan and enabled autopay through Synchrony. I paid consistently from XX/XX/XXXX to XX/XX/XXXX. 

In early XXXX, I discovered nearly {$5000.00} in deferred interest had been applied retroactively in XX/XX/XXXX. I was never notified before or after the charges were added. 

When I contacted Synchrony, they confirmed that I had not manually paid off the loan, thus triggering the interest, which was never clearly disclosed to me. XXXX XXXX later acknowledged that their sales associate likely failed to explain the loan type adequately but declined to correct the issue, claiming the fine print covered it. 

I am now burdened with thousands in interest due to deceptive sales practices and a lack of transparency from both companies. I respectfully request CFPB assistance in removing the deferred interest and adjusting the loan, as it was never adequately explained or agreed to in good faith.

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 2025-05-06 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: NV

Complaint narrative:
I recently reviewed my Experian credit report and was shocked to find an overwhelming number of unauthorized hard inquiries. I did not authorize any of them not one. I have no relationship with most of these companies and have no idea how they got access to my information. 

Due to the large volume, I had to file two separate FTC Identity Theft Reports, both of which are attached here along with my ID and proof of address. 

Im urgently requesting the full removal of all the listed inquiries. These are not mine, and I consider this a case of identity theft. Please process this request immediately. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-06 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: CA

Complaint narrative:
I am writing to formally dispute my federal student loans and request a full discharge due to a serious breach of my personal and financial information. My information was compromised without my authorization, which violates multiple federal laws designed to protect student records and personal privacy. Under these circumstances, I request the immediate cancellation and discharge of my student loan debt in full, as my rights have been severely violated. Below are the key reasons for my request : Violation of the Family Educational Rights and Privacy Act ( FERPA ) ; My student records were disclosed without my consent, violating FERPA 's strict confidentiality protections. Breach of the Privacy Act of 1974 ; My personal and financial information was improperly accessed and shared without my authorization, violating my privacy rights under federal law. Violation of the Higher Education Act ; As a student loan borrower, my information should have been protected, but the mishandling of my data demonstrates a failure to uphold these legal protections. Breach of Contract and Negligence ; The entity responsible for safeguarding my data failed to do so, putting my financial security at risk. Unauthorized disclosure to third parties.

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 2025-05-06 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: CA

Complaint narrative:
I am writing to formally dispute my federal student loans and request a full discharge due to a serious breach of my personal and financial information. My information was compromised without my authorization, which violates multiple federal laws designed to protect student records and personal privacy. Under these circumstances, I request the immediate cancellation and discharge of my student loan debt in full, as my rights have been severely violated. Below are the key reasons for my request : Violation of the Family Educational Rights and Privacy Act ( FERPA ) ; My student records were disclosed without my consent, violating FERPA 's strict confidentiality protections. Breach of the Privacy Act of 1974 ; My personal and financial information was improperly accessed and shared without my authorization, violating my privacy rights under federal law. Violation of the Higher Education Act ; As a student loan borrower, my information should have been protected, but the mishandling of my data demonstrates a failure to uphold these legal protections. Breach of Contract and Negligence ; The entity responsible for safeguarding my data failed to do so, putting my financial security at risk. Unauthorized disclosure to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-05-06 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: MD

Complaint narrative:
XXXX received call on cell phone with Wells Fargo as caller ID claiming to be WF Fraud Alert and calling about recent charge to verify activity out of state. They then listed most recent charge while identifying last four digits of account. They stated suspicious activity on the other account number attached ( and repeated number ) I stated that is my wifes ' account and they stated to confirmed phone number which all matched and no information furnished by us. They then proceeded with " high level fraud '' sending verification code which came through with Wells Fargo as contact information. 
19 charges made against account from XXXX as Vendor for almost {$6000.00} until accounts emptied. 
XX/XX/year> Wife appointment in local branch to rectify. Told High Dollar Fraud would reach out within 24 hours XX/XX/year> and XX/XX/year> still no coorespondence regarding institution losing our money with out explanation XXXX Went to branch for update. Told no provision to be made. How does Wells Fargo Fraud algarithim not catch this after 3rd charge to Vendor we have never used let alone 18 charges?

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 monetary relief