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: GA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX Account name : XX/XX/XXXXAccount number : XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXXXXXX XX/XX/XXXX

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: IN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted documents for the following corrections on my personal information. I am humbly asking for your immediate response and actions for this matter.

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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXXXXXX * * * * Balance : {$22000.00} XXXX XXXXXXXX * * * * * * * * * Balance : {$18000.00} XXXX XXXX * * * * * * * * * Balance : $ {$7400.00} I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several inquiries that are incorrectly reported or showing inaccurate data. Below are the details of the inquiries in question : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX CO XX/XX/year> XXXX OF XXXX XX/XX/year>

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I urgently request the deletion of these unauthorized accounts from my credit report, as I did not open them and was unaware of their existence. In compliance with USC 1681g, please remove them within 15 days. Attached are the required supporting documents.

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 card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
Synchrony Bank has changed their interest charge policy to what it seems like a perpetual charge one. Meaning that if I pay off the full amount that is written on the statement, I will still get charged interest on the next month. There seems like no way to end this cycle since the only way is to have a 0 balance at the beginning of the billing cycle but that will not happen since the interest is charged at the end of the billing cycle and is there at the beginning of the new one. How is that even fair? How is this perpetual charge of interest even legal? They state that the CFPB allowed this. 

This is the only info on when interest is charged : " If you did not pay your balance in full in the prior billing cycle, interest will be calculated on your balance from the first day of the current billing cycle until we receive your payment in full, even if you pay your balance in full and on time and make no new charges in the current billing cycle. This interest, plus interest on that interest, will be reflected on your next billing statement. ''

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX, XXXX, XXXX  XXXX Subject : Urgent Request for Immediate Removal of Fraudulent Accounts Due to Identity Theft To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent accounts from my credit report. These accounts were opened or used without my authorization as a result of identity theft. 

I have attached a copy of my Federal Trade Commission ( FTC ) identity theft report as supporting evidence. 

The following accounts must be removed immediately : PRESTIGE FNL Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX THE XXXX XXXX XXXX XXXX  XXXX  Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX  Date opened : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be permanently removed from my credit file with no delays. These accounts are fraudulent, and I am not responsible for any activity associated with them. 

Enclosed Documents : 1. FTC Identity Theft Report 2. Copy of my government-issued This matter is urgent, and I expect a prompt resolution. If these fraudulent accounts are not removed immediately, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action if necessary. 

Please send a written confirmation once these accounts have been removed. If you refuse to remove them, provide a detailed explanation of your investigation and the evidence used to verify these accounts. 

Thank you for your immediate attention to this matter. 

I can be reached at the contact information above if further clarification is needed. 


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 2025-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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: Mortgage — USDA mortgage
Issue: Trouble during payment process — Fees charged
Company: Consumer Real Estate Finance Co.
State: PA

Complaint narrative:
XXXX XXXX  in collusion with XXXX XXXX XXXX is attempting to slander my credit history with a termination contract with the status of us being denied for a mortgage to cover up the awful home inspection that actually terminated the sale. Leading up to XX/XX/XXXX, the date of inspection, XXXX XXXX as well as XXXX XXXX of XXXX XXXX  tried to XXXX  my partner and I into paying for an appraisal on a home before the inspection was completed knowing full well that the last sale was terminated based on a bad inspection. Showing complete disregard for their clients safety as well as ours they then tried to type of the termination as a denial to make us appear to be at fault. When we requested a refund for the appraisal services XXXX lied and tried to claim that the appraisal was already scheduled and she could do nothing. Once she was told that we had already contacted the appraisal company for a refund she then changed her story and claimed we would only be able to receive half of our money back. We will now have an unfair denial on our credit history and are currently out XXXX XXXX XXXX owed for the other half of our refund, XXXX for a security deposit, and another XXXX for an inspection they already knew would fail. They inferred we would be approved for this loan until we decided to terminated based on the bad inspection. This is in violation of fair lending laws and bad faith business. How are we supposed to improve our economy when we are getting scammed by XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against CREDIT COLLECTION SERVIC regarding an account I have with them XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : CREDIT COLL ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$930.00} Date Opened : XX/XX/year> I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with CREDIT COLLECTION SERVIC but to no avail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: IL

Complaint narrative:
I have contacted the below Transunion ( consumer reporting agency ) and they apparently have NO proof I have initiated such account, nor written authorization and have failed to provide a permissible purpose. Since they do not have my authorization, written nor verbal I am asking you to kindly DELETE XXXX XXXXXXXX XXXX XXXX XXXX XXXX from my credit report immediately as there is absolutely no evidence of my authorization, nor permissible purpose.

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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Summary of the Issue : I am filing this complaint because I was sold misrepresented goods/services by the merchant " XXXX XXXX XXXX aka XXXX XXXX XXXX '' aka " XXXX * XXXX XXXX XXXXXXXX '' made a purchase for compounded prescription medication through a telehealth provider. The medication was provided by a pharmacy that I later discovered was : * * Not licensed for sterile compounding * * Not licensed to operate in my home state * * Under active investigation or regulatory action by their states department of health I was denied the opportunity to choose a pharmacy and was led to believe the product would be legally compounded and dispensed. This turned out to be false. Timeline & Dispute Filing : * * I discovered the misrepresentation on XXXX/24 and filed my dispute with the bank shortly thereafter. * * Capital One denied my dispute multiple times despite compelling evidence. Evidence I Provided : * * State regulatory findings showing the pharmacy lacked proper licensing * * Intake forms and documentation showing no option to choose a pharmacy * * Proof the merchant provided misleading information about the source of the medication * * Multiple reach outs to merchant requesting refund How the Bank Mishandled the Dispute : * * Misclassified the dispute ( e.g., as defective merchandise instead of misrepresentation ) * * Dismissed valid regulatory and medical evidence * * Denied the dispute based on arbitrary deadlines instead of consumer protection standards * * Required me to provide significantly more documentation than the merchant.

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: EQUIFAX, INC.
State: GA

Complaint narrative:
I did not create them and was not informed of their presence. In compliance with USC 1681g, I expect their removal within 15 days. Please find the enclosed supporting documents.

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: 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: TX

Complaint narrative:
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX : XX/XX/year> Last XXXX SSN : XXXX Credit Bureau Name : Experian Address : To Whom it may concern : Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account number : XXXX You are reporting this collection with a past due amount of {$540.00} for XXXX  XXXX and {$430.00} for XXXX XXXX XXXX This is inaccurate reporting and needs to be. I ask theyremoved immediately. Please send me a copy of my credit report when the above deletion has been removed. 

Per FCRA Section 623 ( 15 U.S.C. 1681s-2 ) 15 U.S.C. 1681i : 15 U.S.C. 1681a

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 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: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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: FL

Complaint narrative:
These accounts were not opened by me and appear to be fraudulent. I urge you to conduct a detailed review and remove them from my credit report. Relevant supporting documents are 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 2025-05-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation