vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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: IL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-07-21 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: NJ

Complaint narrative:
I want to make it absolutely clear that this complaint is valid and must be taken seriously. My credit report contains inaccuracies that fall short of the required standard of maximum possible accuracy. These errors are having a significant negative impact on my life and must be addressed without delay.

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 2025-07-21 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: PR

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.

The accounts below have violated my rights.

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

15 U.S.C. 1681 Section 604 a Section 2L It also states a consumer reporting agency can not furnish an 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 ) ( a ) 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. 

Delete the account below : 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 2025-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I Am Taking Full Legal Action Your Explanations Are Worthless Date : XX/XX/year> Let me be absolutely clear : I do not care about your internal excuses, your empty policy talk, or your regulatory deletion nonsense. I gave you a chance to fix your mistake. Instead, you deleted a 7-year credit history, erased my online account access, and stripped my financial data like it never existed.

This is not just negligent its manipulative, retaliatory, and illegal.

Your company has triggered severe damage to my credit profile, blocked me from qualifying for housing, and violated multiple provisions of federal law. And now, Im holding you accountable fully, legally, and publicly.

Here 's what Im doing right now : Opening a formal CFPB enforcement complaint and attaching your letter admitting deletion Filing full reports with the FTC, Texas Attorney General, Florida Attorney General, and credit bureaus Sending this case to a consumer protection law firm for immediate civil action Submitting demands under FCRA 609 ( f ) and 611 for all audit logs, data deletion records, and internal communications Filing a small claims lawsuit demanding no less than {$8000.00} in damages for : Loss of 7 years of positive credit Credit score drop and mortgage denial Emotional and financial hardship Willful and negligent noncompliance Publicly posting this case with supporting evidence to inform other consumers and regulators of your tactics Your explanations are meaningless. Your time is up.

If you fail to correct this and compensate for the full extent of damage, you will face every available legal and regulatory consequence.

You will be exposed. You will be reported. And you will pay.

Govern yourselves accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Consumer Name : XXXX XXXX, XXXX Social Security XXXX : XXXX Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of an account opened at an account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX : XXXX. XXXX, XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( 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 2025-07-21 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: PA

Complaint narrative:
I reviewed my credit report and found several negative accounts being reported that I believe are inaccurate, unverifiable, or outdated. I contacted the credit bureaus directly and formally disputed this accounts. Despite my good-faith efforts, the bureaus failed to provide proper verification or remove these items. Some may be duplicates, and others may lack proper documentation. I'm not receiving a proper resolution, and my credit is being harmed unfairly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CO

Complaint narrative:
This complaint is due to the company 's inadequate response to my previous complaint of their customer service rep. failing to process my income-based repayment plan ( IBR ) cancellation request on XX/XX/year>25. As a result, I was erroneously placed on IBR. So I then called the company on XX/XX/scrub>/25 and again requested to be taken off IBR with another customer service rep. who, this time, correctly processed my request. And, as a result, I was removed off IBR on XX/XX/year>25, according to the company 's response. XXXX then admitted that this failure to be taken off IBR before XX/XX/scrub>/25 was the result of a previous customer service rep 's error and that they have taken steps to fix the issue. 

However, that same response states that I must pay any accrued and capitalized interest since I " agreed to these terms when exiting the IBR. '' I also received a letter from the XXXX, attached below, stating the capitalized interest amounts that I supposedly owe them. Nowhere does XXXX mention the period during which this interest accrued. If this accrual happened, in part or in whole, for the period from XX/XX/scrub>/25 - XX/XX/year>25, then I did not consent to the terms of exiting the IBR for this period and was therefore charged unfairly. Today, on XX/XX/year>25, I called the company again and spoke to yet another customer service rep. who told me that there's no record of the accrued and capitalized interest in question on my account. 

The company is continuing its practice of misleading horrible customer service! They must explicitly state the period of the accrual and the percentage of the said interest ASAP, so it becomes clear whether it's I or them that is responsible for paying it!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: T.S. Holdings
State: CA

Complaint narrative:
I requested full validation of the alleged debt being reported under my name, including : ( 1 ) a copy of the original contract with my signature, ( 2 ) a full itemized accounting of the debt, ( 3 ) proof of legal assignment or ownership of the debt by IQ Data International, and ( 4 ) verification that I was notified in writing prior to reporting to the credit bureaus, as required by the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: FCI Lender Services Inc.
State: NY

Complaint narrative:
I am submitting this complaint in my capacity as Managing Member of XXXX XXXX XXXX XXXX XXXX XXXX, the entity which entered into a commercial mortgage agreement with the lender referenced herein. Despite the loan being made to a business entity, I have been personally impacted by the servicing and collection actions taken and am asserting my rights as both a business owner and natural person harmed by deceptive practices and regulatory violations.

The debt servicer, FCI Lender Services Inc., Crosby Lending 2 LLC and it's affiliated parties have imposed questionable fees and default interest without sufficient legal notice, substantiating documents, or compliance with federal and state debt servicing regulations. When prompted to verify the debt under applicable provision

s ( such as 15 U.S.C. 1692g in consumer contexts and NYS debt validation standards ), they failed to respond in good faith or provide requested validation. Further, a third-party law firm has attempted collection enforcement actions without proper assignment authority, power-of-attorney verification, or a clear paper trail showing chain of custody and ownership of the alleged debt. These coordinated actions amount to misrepresentation, potential robo-signing, and material noncompliance with state servicing rules. I formally requested validation of debt and identification of the creditor, breakdowns of the charges, and any documentation showing legal standing to collect none of which have been lawfully satisfied. Moreover, the servicers actions have disrupted my business operations, put my property at risk, and appear retaliatory in light of ongoing disputes. I am requesting an immediate investigation and regulatory intervention.

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 2025-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation
State: TX

Complaint narrative:
Ive sent multiple letter to send verification of Debit and I have not received anything. Its been over XXXX  days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: CL Holdings LLC
State: CT

Complaint narrative:
on Credit Karma I noticed a debt saying that I owe {$570.00} with Jefferson Capital System LLC. I contacted them with a number giving to me by XXXX  and they said this account was opened since 2019, I was XXXX XXXX XXXX at the time. please kindly remove this off my account i'm filing identity theft, thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP
State: MA

Complaint narrative:
I originally held a US Bank XXXX card and was advised to open a checking account to support my HELOC loan, ensuring easy access to funds. At the time, I was assured that as long as I maintained my XXXX card with them, all associated fees would be waived with this checking account. 

However, this year, without any written noticeeither through traditional mail or their online messaging systemUS Bank changed the terms. Two months ago, they converted my free checking account into a different XXXX product, making that the only way to continue waiving fees. This was not the arrangement I agreed to when I signed up. 

In response, I applied for their new XXXX card to avoid these fees, but my application was denied. I then asked if they could split my existing credit limit between two cardsfor example, transferring {$6000.00} from my {$16000.00} limit to the new cardto help me qualify and maintain fee waivers. They refused, even though the banks risk exposure would remain unchanged. I really don't even think they understood. Especially when I said the risk to US bank remains the same. I can tell you that XXXX XXXX and XXXX XXXX both did this over the years for me. I assumed this was standard practice. 

As a consumer, I find this practice unacceptable. Changing the terms of a product without proper communication undermines trust. If a bank chooses to alter its policies, it should make every effort to accommodate and support its existing customers.

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 2025-07-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
I need amsher collection services to remove this debt from my credit We are purchasing a home and closing next week The debt has been terminated by XXXX XXXX XXXXotified amsher since last week So I need amsher to terminate and delete this from my credit file It is urgent that I get this removed see attached letter from dish

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: MO

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The account XXXX XXXX  XXXX is paid in full. Account was paid to the companies attorney XXXX XXXX XXXX. Telephone number XXXX. Payment taken by XXXX for {$4000.00}. Payment receipt number Tracking Number : XXXX. 
Email receipt is attached. 

I spoke to Equifax agent and he did not want to take my dispute. They are not conducting proper investigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
On XX/XX/year> me and my husband received an XXXXChase credit card that we didnt apply for. I called the ph # and told them that we didnt apply and I wanted those cards closed. My husband is XXXX yrs old and XXXX XXXX yrs old. They said they would close the card. This was fraudulent and a violation of the Truth and Lending laws

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: CA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable negative items on my credit report. I have disputed them and requested validation under FCRA 611 and UCC 1-308. The bureau failed to provide legal documentation or remove the accounts.

. 
I sent a formal dispute letter to Experian, Equifax, and TransUnion referencing my credit report ( # XXXX ). I requested original contracts and lawful verification. The bureaus either failed to respond properly or continued reporting unverifiable accounts. This violates my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and FDCPA ( 15 U.S.C. 1692g ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma, LLC
State: PA

Complaint narrative:
Simple problem : can not open their emails with my password. Have asked many times I feel there are a BOT operation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: NC

Complaint narrative:
I have not closed credit cards on my Equifax report. I have also not had hard credit checks that are on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/year>, I paid off the full balance ( {$2800.00} ) on my PayPal Credit Card issued by Synchrony Bank. The payment was successfully processed and the funds were withdrawn from my XXXX XXXX  account on XX/XX/year>. However, as of XX/XX/XXXX, my available credit was still not restored. 

I contacted customer support via online chat and was told that because the payment was " large and out of pattern, '' the system placed a XXXX hold on the available credit, even though the payment had already cleared. I was told my credit would not be restored until XX/XX/year>. 

I explained that I was not planning to use the credit, but I paid responsibly and expected to see my balance at zero and credit restored. I also asked why this policy applied when the money had already left my bank. I was repeatedly told, the system doesnt allow us and that no exception could be made.

This felt like I was being punished for doing the right thing. I had multiple cards to pay off, and if I knew this would happen, I would have chosen to pay a different one first. It made me feel genuinely upset and disappointed. 

Additionally, XXXX chat system disconnected automatically, and I nearly lost the conversation log. I had to manually copy the text before it disappeared. That made the situation even more frustrating. 

I believe this is an unfair and non-transparent practice, especially for responsible users. I am submitting this complaint to request formal review and correction of this policy.

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