vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-09-08 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:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: AL

Complaint narrative:
Company Complained About XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Retaliatory Credit Reporting in Violation of Suppression Agreement During Active Litigation XXXX. Describe what happened so we can understand the issue. On XXXX, I received a formal letter/cfpb response from XXXXXXXX XXXX XXXX XXXX XXXXXXXX where they agreed to suppress all credit reporting for my account from XX/XX/XXXX through XX/XX/XXXX. This agreement is related to an active lawsuit and appeal currently ongoing between us. 

Despite this agreement, on or about XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX willfully and illegally reported negative information on this account to the credit bureaus. This is a clear breach of our agreement. 

I believe this reporting is a retaliatory act because I am engaged in litigation against them. This action has directly caused my Equifax credit score to drop by XXXX points, damaging my financial standing. 

XXXX. What would you like to happen to resolve your issue? I want XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX to : Immediately instruct all credit bureaus to delete this illegally reported information. 
Provide written confirmation of the deletion. 
Compensate me for the damages caused by their wrongful action, including the harm to my credit score. 
Cease any further violations of our agreement. 

XXXX. This action has caused me significant tangible and emotional distress. The XXXX score drop has jeopardized my ability to secure financing for my business. Their decision to violate our agreement amidst our lawsuit demonstrates a pattern of bad faith. 

I have already disputed this with the credit bureaus. A copy of the cfpb response confirming the agreement and a copy of my credit report showing the drop are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: NY

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXXXX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Flatonia Investments, LLC
State: VA

Complaint narrative:
My son was added to the loan of the house when he was only suppose to be on the deed. Did not find out until end of last year when he looked up his credit score and it showed the house. Tried to reach out to the lender XXXX XXXX who threatened me if I tried to report her would not send signed documents and then also blocked all mine and my sons communication with her. When I reached out to the title company they said XXXX has done things in the past, reluctant to provide documents stating they were about to shred them because it has been so long ago ( XXXX ), reached out to realtor who also knows it was stated many times during closing that my son was suppose to only be on the deed. States she stopped working with XXXX right after our closing because of shady stuff XXXX would do and companies wouldnt close her loans because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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.

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 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 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Late payment entries are appearing on my credit report that I believe are inaccurate. Under 15 U.S.C. 1681e ( b ) and 1681i, the report must only include information that is accurate, complete, and verifiable. I am requesting that these late payment entries be investigated and verified, and if they can not be substantiated, that they be corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: SC

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 2025-09-08 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I hate disputed a charge for {$640.00} and within weeks was notified I won the dispute but only received {$1.00} back. I called to check on that and was assured that it was an error and I would receive the full {$640.00}. After another week when I had indeed only received {$1.00} I called back and was told only a XXXX could reopen a dispute and I needed a call back request which I asked for and would be called back within XXXX hours. After XXXX hours I called and and learned that the previous person did not in fact put in the request and was assured the new person would do it and Id have to wait another XXXX hours and the XXXX could reopen the case and have it fixed. XXXXXXXX XXXX days I did receive a call where the XXXX listened to the original dispute call and I indeed asked for {$640.00} and not {$1.00} and that it was an error on that person part putting it in. All the XXXX could do was send it to the investigation team where Id have to continue to wait to see if they would reopen the case ( she could not do anything ). I asked for written confirmation that she was doing this as well as the previous conversations where I was assured falsely, and she told me she was not able to but I could continue to call back daily if I wanted, which unfortunately is no feasible or acceptable.

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 2025-09-08 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: NY

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 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 2025-09-08 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: Collection Bureau of the Hudson Valley, Inc.
State: TX

Complaint narrative:
The creditor is reporting a new account being opened and behind dated XXXX XXXX. I have NOT authorized any contracts with this creditor. This creditor needs to provide the original contract agreement. Failure to comply with providing information will result to litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I fully paid off my auto loan with BMW Financial Services via ACH electronic payment more than two weeks ago. Despite the loan being satisfied, BMW Finance has withheld releasing the vehicle title. This delay is unreasonable and has caused me unnecessary inconvenience. I request immediate release of the title and investigation into BMW Finances failure to process the payoff in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: WI

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: CA

Complaint narrative:
I formally state that I neither authorized nor opened these accounts. They are fraudulent, and I request their deletion and a comprehensive investigation. Documentation supporting my position is attached.

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 2025-09-08 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: GA

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting by all three major credit bureaus ( Experian, Equifax, and TransUnion ). The inaccuracies involve incorrect credit balances and utilization ratios, which are negatively affecting my credit profile. 

I have disputed these errors directly with the bureaus in accordance with the Fair Credit Reporting Act ( FCRA ), but the issues remain unresolved. Specifically : My reported balances are incorrect. 
My utilization percentages are being calculated inaccurately. 
These errors appear across all XXXX  credit bureaus. 

I am requesting that the CFPB investigate these inaccuracies and ensure the credit bureaus conduct a proper reinvestigation and correction of my reports.

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 2025-09-08 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Hello, I had all my synchrony accounts closed back XXXX in which they were all closed because of, '' Activity on account ( s ) with synchrony bank indicative of high risk of failure to pay. '' All the accounts at the time were less than 10 % usage and some of the accounts received manual limit increases less than 24 hours by a customer rep on the phone prior to them all being closed. These accounts have been open for years with no late payments or missed payments ever.

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 2025-09-08 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: MI

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
not mine Account name XXXX  Account number XXXX Account type Charge Card Responsibility Joint Date opened XX/XX/XXXX Status Account charged off. {$4.00}, XXXX written off. {$4.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$4100.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$4300.00} Highest balance {$5100.00} Terms - On record until XX/XX/XXXX 2028

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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am filing a complaint against my loan servicer, XXXX, for inaccurately reporting multiple late payments on my credit report. 

I was repeatedly told by loan officers at XXXX that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. 

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with XXXX, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

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 2025-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Collection accounts are appearing on my credit report that I believe contain inaccuracies. Under my rights granted by 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a fully accurate report. I request a review of these accounts, and if they can not be verified as accurate, they must be removed from my report.

Company response to consumer: Closed with explanation