vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-06 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: CA

Complaint narrative:
I am writing to formally demand your agency 's compliance with the Fair Credit Reporting Act ( FCRA ) in connection with the ongoing mishandling of my credit file. Despite multiple dispute attempts, you have failed to remove fraudulent accounts that do not belong to me and continue to report unverifiable information. 

This conduct is in direct violation of federal law and my consumer rights. The following accounts listed below was opened fraudulently as a result of identity theft. I have submitted several dispute letters requesting their removal, yet you have responded with vague and non-substantive explanations that do not meet the legal standards required under the FCRA.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally obligated to perform a meaningful investigation upon receipt of a consumer dispute. Your continued reliance on form responses without providing original validation of the debts in question constitutes noncompliance.

Moreover, 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies ensure the highest possible level of accuracy in reporting. Your agencys failure to take corrective action demonstrates a reckless disregard of these obligations. 

You are hereby given 30 days from the date of this letter to provide the following : 1. Full and original verification documents from the creditors proving the validity of the accounts in questionnot generic responses ; 2. A comprehensive outline of the investigation performed, detailing each step taken ; 3. The names, job titles, and contact details of the individuals responsible for reviewing and responding to my dispute ; 4. Written confirmation that all unverifiable information has been permanently deleted from my credit file pursuant to 15 U.S.C. 1681i ( a ) ( 5 ).

If you fail to respond adequately within the timeframe stated, I will pursue immediate legal action. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California State Attorney General. I will also proceed with litigation under 15 U.S.C. 1681n for willful noncompliance, which allows for the recovery of statutory damages, punitive damages, attorney fees, and costs.

The following accounts are fraudulent, and I have already received confirmation from the relevant banks that they should not be associated with my credit profile. Please review and remove these accounts immediately, and provide supporting verification if you continue to report them : 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 2025-06-06 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX Equifax XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: CA

Complaint narrative:
I am writing to formally demand your agency 's compliance with the Fair Credit Reporting Act ( FCRA ) in connection with the ongoing mishandling of my credit file. Despite multiple dispute attempts, you have failed to remove fraudulent accounts that do not belong to me and continue to report unverifiable information. 

This conduct is in direct violation of federal law and my consumer rights. The following accounts listed below was opened fraudulently as a result of identity theft. I have submitted several dispute letters requesting their removal, yet you have responded with vague and non-substantive explanations that do not meet the legal standards required under the FCRA.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally obligated to perform a meaningful investigation upon receipt of a consumer dispute. Your continued reliance on form responses without providing original validation of the debts in question constitutes noncompliance.

Moreover, 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies ensure the highest possible level of accuracy in reporting. Your agencys failure to take corrective action demonstrates a reckless disregard of these obligations.

You are hereby given 30 days from the date of this letter to provide the following : 1. Full and original verification documents from the creditors proving the validity of the accounts in questionnot generic responses ; 2. A comprehensive outline of the investigation performed, detailing each step taken ; 3. The names, job titles, and contact details of the individuals responsible for reviewing and responding to my dispute ; 4. Written confirmation that all unverifiable information has been permanently deleted from my credit file pursuant to 15 U.S.C. 1681i ( a ) ( 5 ).

If you fail to respond adequately within the timeframe stated, I will pursue immediate legal action. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California State Attorney General. I will also proceed with litigation under 15 U.S.C. 1681n for willful noncompliance, which allows for the recovery of statutory damages, punitive damages, attorney fees, and costs. 

The following accounts are fraudulent, and I have already received confirmation from the relevant banks that they should not be associated with my credit profile. Please review and remove these accounts immediately, and provide supporting verification if you continue to report them : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
I sent a packet of all relevant information/evidence to your bureau, the U.S. Attorney , Amazon, and Synchrony Bank-Amazon Store Card on XX/XX/year> ( see attached files ) that showed all items, but have not heard back from anyone. I made an extra payment of {$140.00} on XX/XX/year> to my Synchrony Bank-Amazon Store Card in anticipation of the then upcoming Amazon XXXX XXXX payment. 

At the time of the {$140.00} extra payment, I had approximately {$45.00} in my Synchrony Bank-Amazon Store Card account , which in my mind equaled {$180.00}, more than enough to cover the {$140.00} for my annual Amazon XXXX XXXX payment. But, on XX/XX/year>, a BUNCH of attempts were made to all accounts that had ever used my Amazon XXXX account to make a purchase to pay the {$140.00}. 

I have just recently started working for the XXXX XXXX XXXX and am low on funds at this time, so every dollar counts. There were fraud alerts, NSF and so forth because of this. When I contacted Synchrony Bank-Amazon Store Card customer service, the CSR said that because they lowered my credit limit, they 'just took " the {$140.00} without any notice (?!! ) Can they do that?! I don't believe that is ethical or legal, hence me having sent the packets to all the places I stated earlier. 

I am now still having to pay late fees and the NSF for all the places they charged even though I specified that particular card AND added MORE than enough a good 6 days before the payment was due to Amazon. I have never, in my life, heard of a company taking a payment because they lowered a credit limit, especially without any notice whatsoever. 

I hope you'll be able to help me as I have not received any response from anyone, nor have I received an apology or my money back in part or full and now, I'm not only down the {$140.00} but also {$48.00} + {$52.00} + {$38.00} = {$130.00} in late fees from other credit cards that I had to hold off on paying so I could get this one paid and {$10.00} NSF fee from the bank because they finally covered the Amazon XXXX Membership. 

So, ironically, another {$140.00} and I've never received the originally stolen {$140.00} so I've basically paid the bill three times over ( i.e. {$140.00} for the membership, {$140.00} for the NSF and late fees, and {$140.00} originally stolen ).

I'm a working person, I do what I can to stay on top of my bills, but when the creditors literally trip me, I fall right on my financial face.

Not only are all my creditors charging me 24 % -28 % interest even if I've been with them 10 or more years, but doing stuff like this too .. tsk tsk what is this world coming to?

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 2025-06-06 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance with an unresolved dispute involving my credit card company, American Express, and the merchant XXXX  XXXX XXXX. Despite ongoing efforts to resolve this issue directly with both parties, I have been unable to reach a satisfactory conclusion, and I am now considering legal action. 

The matter originated on XX/XX/year>, when I used my American Express credit card ending in XXXX to purchase a service from XXXX  XXXX XXXX. I paid {$1700.00} for a seat upgrade on a flight, the boarding of which never happened as the flight was canceled. Since then, I have made numerous attempts to resolve this matter with XXXX  XXXX XXXX, but they have refused to rectify the situation or provide appropriate compensation for the service not rendered. 

Subsequently, I sought assistance from American Express, assuming they would offer protection in such situations, especially given the annual fee of {$690.00} associated with my card. Despite my detailed explanation of the situation, American Express opened a dispute but ultimately closed it in favor of the merchant, citing evidence from XXXX  XXXX XXXX that I paid for a seat upgradeignoring the fact that the service could not be provided due to the flight cancellation.

After persistent follow-ups, American Express reopened the dispute, but once again closed it without a thorough investigation, leaving me without a resolution. It is disheartening to encounter such a lack of support from a company that prides itself on customer service. 

At this juncture, I am compelled to seek your assistance. I request that the Consumer Financial Protection Bureau intervene in this case to ensure a fair and comprehensive review of the circumstances surrounding my claim. Your support is crucial in addressing this matter and preventing similar issues for other consumers in the future. 

Thank you for your attention to this urgent request. I am hopeful for a resolution through your esteemed agency. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: Experian Information Solutions Inc.
State: NY

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-06 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: Experian Information Solutions Inc.
State: MI

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-06 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: AL

Complaint narrative:
In XXXX, I had a vehicle financed by XXXX XXXX that was declared a total loss. My insurance paid over {$8100.00}, and GAP insurance covered the rest. Despite this full settlement, XXXX is reporting a {$17000.00} charge-off. The account was opened in XX/XX/XXXX, with my last payment made in XX/XX/XXXX. No documentation has been provided explaining the inflated balance, and this account continues to damage my credit report. 

Later, under the same account number, I financed a second vehicle with XXXX. On XX/XX/XXXX, the vehicle was repossessed without a court order. Police were involved in forcibly removing my child from the vehicle. I was never provided a Notice of Intent to Sell or a Post-Sale Explanation of Proceeds, both required by law. This second loan is now showing a {$10000.00} charge-off. 

XXXX has combined two separate vehicle loans under the same account number, inflated the balance of one that was fully paid through insurance, and conducted the second repossession in violation of UCC repossession law and consumer protections. I disputed both accounts through the credit bureaus but have not received any valid documentation or resolution. I am requesting the full deletion of this account from all credit bureaus and confirmation that no further collection will be attempted.

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 2025-06-06 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:
I have no knowledge of these inquiries, and they seem to be both unauthorized and potentially fraudulent. I kindly request swift action to address this issue. Supporting documents are attached for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Lendmark Financial Services
State: GA

Complaint narrative:
I have received about XXXX phone calls or more per week despite my saying please email only due my anxiety but also due to anxiety they caused for forcing the incessant calls daily calls despite my speaking with them. They have now blocked me from paying my on loan. I cant pay online nor can I pay over the phone. I feel very cheated by this bc I dont live near them and thus I am afraid to go to the branch anyway to pay this bc of how bad I have been treated through the harassment including them hanging up on me and yelling at me telling me I have to call every XXXX days to tell them the same thing until I pay the payment. For example I get paid the week of the XXXX. They told me on the XXXX I had to call on the fifth to say the same thing. That if I want them to stop calling I would have to call every XXXX hours to repeat what I told them despite no change to the date payment that I would be paying. I then paid online as promised and texted that I would pay again on Wednesday only to learn they blocked me from paying. And I called and I was blocked from paying also. There is no way to pay my account which is now delinquent and have no recourse except help from others to get them to now write this off bc they have deceptive and unfair debt collection practices along with violating XXXX rules regarding calling and refusing to email, as well as the FTC calls regarding harassing calls and the XXXX rule. Now my car could be taken away bc I wasnt afforded the opportunity to pay my debt to make it good and I told them and they never bothered to email. I have approximately XXXX phone calls from them in less than a year and more than XXXX full page screenshots of their attempts to collect. Even when I paid current they called me asking for payment. And apologized once for the discrepancy but gave me no room to pay my debt but took one payment based on my communication and blocked me from paying my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus XXXX take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is XXXX XXXX XXXX involved. Please review the uploaded letters.

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 2025-06-06 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus XXXX take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is XXXX XXXX XXXX involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation