vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 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: CA

Complaint narrative:
I've worked hard to build my credit so, take this seriously. I found some big mistakes that are really hurting my score and these inaccuracies have been stressing me out and its affecting everything, from loan options to higher interest rates, to my ability to secure new credit. I need you to make sure all of my information is 100 % correct. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. I'm getting really upset and I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-05-19 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: MN

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently received a copy of my credit report and noticed I have serval inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: TX

Complaint narrative:
I recently received a copy of my credit report and noticed I have serval inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-19 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: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
I was under contract to purchase a home in Connecticut when my Loan officer, XXXX XXXX XXXX XXXX breached his fiduciary duty by failing to meet the extended mortgage contingency date on XX/XX/scrub>/25 after fraudulently lying over a recorded phone call to notify the appropriate parties that I was withdrawing from said contract thus costing me my {$15000.00} Earnest money paid on XX/XX/year>25. Throughout the course of the contract initiated on XX/XX/year>25 he made XXXX contact with my Real estate agent XXXX XXXX and the closing law firm even after my agent had reached out numerous times while even going on holiday for a week without any notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: GA

Complaint narrative:
I disputed this information several time, only to have it removed and later reapplied to my credit report. The said items on my credit report are the items that I'm asking to be removed, due to the CRA 's violating several of my consumer rights, by not providing me with a contract between myself and the CRA 's, my rights to privacy, and by not actually investigating the validity of the mentioned accounts.In XXXX XXXX XXXX, Equifax had a lawsuit filed against them for unethical practices ; failing to properly conduct investigations into consumers disputes to assure its accuracy of the information, which lead to inaccurate information and errors being reported on consumer credit reports, which resulted in consumers being denied credit or unfair credit worthiness reported.I ask that the mentioned accounts are permanently removed from my report. 
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 non-monetary relief
Consumer complaint received 2025-05-19 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: CO

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX for reporting inaccurate and misleading information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically 602 ( a ), 605, and 611. 

The account in question was charged off and closed as of XX/XX/XXXX, yet XXXX continues to report late payments in the months following the charge-off, including as recent as XXXX. This is factually and procedurally incorrect, as an account that is closed and charged off can not legally or logically continue to accrue missed payments. 

I have attempted to resolve this matter through Equifax and Experian via formal disputes, requesting deletion of the account based on the inaccurate reporting. Despite this, the tradeline remains with derogatory activity inaccurately listed post-charge-off. 

This incorrect reporting inflates the derogatory impact of the account and violates the requirement for maximum possible accuracy under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: MO

Complaint narrative:
I have been trying to correct my Consumer Disclosure Report since XXXX, which reflects that I have an at-fault accident on my consumer records ( accident date XX/XX/XXXX ). The accident should be listed as not at-fault. My maiden name was XXXX XXXX at the time of incident. The company LexisNexis Risk Solutions Consumer Center, refuses to correct my record even though I have filed twice to have it corrected and my auto insurance company ( Progressive ) has provided them with the proper documentation. Please investigate and help me get this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I received an email inquire from XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX that my account with the company XXXX XXXXXXXX which backed by Synchrony back closed my account. When I called the Synchrony bank their recording stated that my account was closed due to nonactivity. They closed the account because I hadn't used the account and purchased anything since made my last payment back on XX/XX/XXXX. Synchrony bank closed the account on XX/XX/XXXX, and did not send me later or anything in the mail. On XX/XX/XXXX, I spoke with a representative from Synchrony bank she tried to give several reasons to why it was closed. The first excuses was because my mortgage payment was not being reported. I responded that my house was paid off. Her second excuses were that credit agency did another credit check on me and that I had negative inquire on my credit report. My response was who gave you authorization to do a credit check without my permission. She could say for call the credit bureau and that they closed the account which I know is untrue.

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 2025-05-19 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: NJ

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ).

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: TN

Complaint narrative:
I am writing to request the immediate investigation and removal of unauthorized accounts appearing on my credit report. I did not open or approve these accounts, and I am unfamiliar with their source. As provided under USC 1681g, I formally request that they be deleted within 15 days. Enclosed are relevant documents for your review. It is also important to note that conflicting and inaccurate account data is being reported to each bureau.

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 2025-05-19 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: GA

Complaint narrative:
I am writing to formally dispute several unauthorized and inaccurate hard inquiries listed on my credit report. I am requesting that immediate action be taken to investigate and remove these inquiries, as they are unjustified and negatively impacting my credit score and financial well-being.

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 2025-05-19 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: GA

Complaint narrative:
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 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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2025-05-19 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: AR

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Subject : Dispute of Unauthorized Inquiries on My Credit Report Dear [ Credit Bureau Name ], I am writing to formally dispute several unauthorized inquiries listed on my credit report. Upon reviewing my credit report from your bureau, I noticed the following inquiries that I did not authorize : XXXX XXXX ( Finance ) XX/XX/2025 XXXX  ( Bank ) XX/XX/20XXXX XXXX ( Finance ) XX/XX/2025 AL XXXX XXXX XXXX ) XX/XX/20XXXX XXXX XXXX ( Bank ) XXXX XXXX I did not apply for credit with these companies, nor did I authorize them to access my credit file. Under the Fair Credit Reporting Act ( FCRA ), inquiries not initiated or authorized by the consumer must be removed from the credit report. 



Please conduct an investigation into these inquiries and provide me with the results. If it is confirmed that they were made without my permission, I respectfully request that they be removed from my credit report immediately. 



Attached are copies of my government-issued ID and proof of address to assist with verifying my identity. 



Thank you for your prompt attention to this matter. I look forward to your response within the XXXX investigation period as required under the FCRA. 



Sincerely, 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 2025-05-19 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: MD

Complaint narrative:
I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC.
State: WI

Complaint narrative:
On XX/XX/ XXXX  I entered into an auto finance contract with XXXX XXXX XXXX, financed through Exeter Finance LLC. On XX/XX/2025, I lawfully rescinded the contract via a written notice of rescission, which was delivered to Exeter Finance by certified mail and received. I rescinded under the Truth in Lending Act ( TILA ) and my rights under common law. 

I have not missed any required payments during this time. Rather than responding properly to the rescission notice as required by law, Exeter Finance replied by falsely accusing me of fraud without evidence or any judicial process. They failed to rebut the rescission point-by-point and are now threatening repossession despite my perfected security interest through a UCC-1 Financing Statement. 

Exeter Finances actions are retaliatory, defamatory, and designed to intimidate me from exercising my lawful rights. They have made no attempt to engage in good faith resolution. I am requesting the CFPB intervene and investigate this situation, and direct Exeter Finance to : 1. Cease all repossession or collection activity, 2. Retract the baseless fraud accusation, 3. Formally recognize and respond to the rescission, 4. Provide a full accounting and validation of any remaining obligations if they believe any exist. 
I am asserting my rights under U.S. consumer protection laws and expect timely, lawful treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

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 2025-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This BIAS COMPANY XXXX I was overcharged for a battery installment, as a XXXX they told me it was a bunch of issues with my car, which wasnt true then made up prices on the receipt to equal up to XXXX dollars just for my alternator to go out and my car smoking. Then tried to charge me again to fix the issue they initially were suppose to fix once they claim to put it on a diagnostic reader. Why as XXXX do we go through these things when we visit an auto shop with no XXXX beside us in order to get the job done. Its bias against 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 2025-05-19 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: AL

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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