vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 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:
I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. 
Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within XXXX ( XXXX ) business days from the date of receipt of this letter. 
SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, INQUIRY - XX/XX/year> Additionally, I request the removal of all unauthorized inquiries related to this identity theft : XXXX XXXXXXXX XXXX XXXX XX/XX/year>

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Manhattan Beach Venture, LLC
State: GA

Complaint narrative:
I am filing this complaint due to serious concerns regarding the mismanagement of my student loans, which have been compounded by the Department of Education 's recent data breach. As a borrower, I trusted the federal student loan system to safeguard my personal and financial information. The breach not only compromised that trust but has left borrowers like myself more vulnerable to identity theft, loan errors, and financial instability. In addition, these loans are significantly impacting my ability to move forward in life, particularly when it comes to qualifying for a mortgage. Despite maintaining stable employment and working to improve my credit, my student loan debt continues to be a major barrier. Mortgage lenders have denied me financing due to my student loan balance and the inconsistent reporting by loan servicers. This debt is not only financially crippling, but it is also emotionally draining and preventing me from building a stable future for myself and my family. XXXX major issue I experienced was being automatically opted into receiving loan communications via email instead of paper mail, without my knowledge or consent. As a result, I missed critical updates regarding repayment deadlines, status changes, and servicer updates. This lack of communication caused me to fall behind unintentionally and created confusion around the status of my loans. I never agreed to go paperless, and had I received proper mailed notices, I would have been in a better position to stay informed and avoid unnecessary penalties or credit damage. Ive also dealt with poor communication, misleading guidance, and inconsistent servicing including multiple servicer transfers where essential documentation was lost or delayed. Ive been placed in forbearance or deferment unnecessarily, and my requests for repayment plan adjustments or accurate reporting have been mishandled or ignored. The cumulative result has been long-term damage to my credit, financial well-being, and homeownership goals. Given the Department of Educations failure to protect borrower data, the mishandling of loan servicing, and the harm caused by communication failures, I am formally requesting an investigation into my account and a reconsideration of the legitimacy and enforceability of these loans. I believe loan discharge, forgiveness, or another form of relief is justified based on the misconduct and the substantial harm Ive endured. I respectfully ask that the CFPB advocate for borrowers affected by these systemic failures and hold loan servicers accountable for the barriers they continue to impose on responsible, hard-working individuals like myself.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-01 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: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-08-01 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 AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
To Whom It May Concern, I am writing in regard to my bank account, which currently has a hold placed on it following the deposit of a check from the sale of my home. The property was jointly owned by myself and my husband, who is currently incarcerated. At the time of the sale, I had all required and legally valid documentation authorizing the transaction. 

Due to a misunderstanding, my husband contacted the bank and claimed he had not authorized the sale. However, I acted within my legal rights and provided all necessary documentation during the sale process. 

Now, I have been informed that I am unable to close my account, and the remaining funds are being withheld.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am writing to dispute the reporting and status of my SYNCB/PPC ( PayPal Credit XXXX account listed under Synchrony Bank XXXX This account was opened on XX/XX/XXXX, and closed on XX/XX/XXXX. It is now marked with " XXXX  XXXX XXXX  '' and Account closed by credit grantor, yet no late payments ( XXXX ) were ever reported during the entire duration of the account. 

I maintained responsible payment activity until the account was legally closed and included in my XXXX  XXXX bankruptcy filing. The account had a {$2800.00} credit limit and a {$0.00} balance at the time of closure. However, my credit file shows that only 47 % of payments were on time, with no evidence of XXXX, XXXX, or XXXX latesimplying an inaccurate or incomplete payment history being factored against me. 

Under FCRA ( 15 U.S. Code 1681s-2 ) and ECOA, credit furnishers are required to report accurate, complete, and non-misleading data. The claim of a XXXX  XXXX bankruptcy remark without any delinquency can negatively affect my credit standing without proper contextespecially considering I made consistent payments prior to legal discharge and never defaulted on this account. 

This account also does not reflect a paid as agreed or closed in good standing notation, despite the balance being {$0.00} at closure. Additionally, there is no indication that I ever defaulted, missed payments, or was notified of any collections activity by SYNCB/PPC.

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 2025-08-02 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: NM

Complaint narrative:
My account with EQUIFAX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. EQUIFAX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/year>, I sent a payment of {$4000.00} through my Chime account to an individual who claimed they would provide a service. I was misled by the person and never received the promised service. 

I contacted Chime to dispute the transaction, explaining that I was scammed and deceived into sending the money under false pretenses. However, Chime closed the claim and denied a refund without providing sufficient explanation or a full investigation. 

I have requested further information from Chime and am also in the process of filing a police report. 

I believe this was a fraudulent transaction, and I am asking for the Consumer Financial Protection Bureau to help me get Chime to reopen the claim and issue a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-08-01 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: TX

Complaint narrative:
I am filing a formal complaint against Experian for failing to maintain maximum possible accuracy in reporting per the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ). My Experian credit report inaccurately lists a 60-day late payment by XXXX XXXX  XXXX which I dispute as erroneous and unverifiable. 

I submitted a written dispute to Experian with documentation including : My government-issued ID Social Security number proof Current utility bill as proof of residence A copy of the disputed credit report Despite my dispute and request for reinvestigation, this inaccurate late payment continues to appear and is harming my credit profile. I request that the CFPB assist in compelling Experian to conduct a thorough reinvestigation, remove the erroneous account, and confirm in writing that the negative mark has been deleted.

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 2025-08-01 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: PA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I am struggling to pay my credit card bill due to a job loss in XX/XX/year>. I have maintained on-time payments for over 6 years and proactively contacted PNC Bank to request a hardship arrangement or APR reduction.

I followed instructions to submit my hardship application online, but when I called to check the status, I was told the application was not received. I submitted again, and on a follow-up call, a representative named XXXX stated that the process had changed and I was now required to complete the application over the phone a step that was never communicated to me. No one could explain what happened to my prior applications or why the instructions differ from what is posted on PNC 's website. 

I have now contacted the hardship department multiple times, been given different answers each time, and have no confirmation that any of my applications were received. I have also been told that secure messaging is no longer available, so I have no direct written record of any communication. 

My next payment is due in 2 days, and due to PNC 's mishandling, I am at risk of late fees or credit damage despite acting in good faith. 

I am requesting that PNC immediately : Review my previously submitted hardship requests Acknowledge the miscommunication Offer a temporary or permanent payment arrangement or APR reduction I have documentation, including a formal escalation letter, and am happy to provide additional records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: EQUIFAX, INC.
State: IL

Complaint narrative:
There are inquiries on my credit report that I do not recognize. I did not authorize these companies to access my credit file, nor did I apply for any services or credit with them. I take my rights as a consumer seriously, and I feel theyve been violated. This situation is adding unnecessary stress to an already overwhelming time in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: WA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2025, I applied for a home repair loan through Service Finance Company , LLC. XXXX XXXX XXXX XXXX, XXXX XXXX, Fl XXXX. Initially I was offered an interest rate of 0 % for 25 months, and a total loan amount of {$8500.00}. I was told I did not qualify for this rate and term. I was given a rate of 12 % and a term of 120 months, for a total cost of {$14.00}, XXXX a difference of over {$6200.00}. 
I received a letter from Service Financial Company, LLC stating the difference was due to my credit score, as reported by Transunion of XXXX. I contacted Transunion, and was advised that my credit score is actually XXXX. I substantial difference from what Service Financial Company stated in their letter. 
My credit score of XXXX is considered " excellent '' and should have afforded me the original loan terms of 25 months at 0 %. 
This credit information is false. Service Financial is committing fraud by providing me a loan based on erroneous information. They are stealing over {$6200.00} from me by way of this fraudulent loan.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I was a victim of two data breaches where I was offered credit monitoring through Experian Identity Works. The credit monitoring was effective simultaneously for both data breaches. Experian Identity Works required me to open two seperate online accounts with them.

I called Experian Identity Works to find out the expiration date for one of my membership accounts. They told me I had to call the phone number on The Notice of Data breach letter I received. When I called that phone number it had an automated response saying this phone number is no longer active.

Experian Identity Works doesn't have the decency to post the expiration date of my membership on my online account with them. I am unable to find out the expiration date of my memberships.

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 2025-08-01 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: CA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the fair credit report act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved .The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian l, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes accepting unreliable responses and failing to adequately notify consumers of dispute outcomes.These failures align with my experience where Experian has neither corrected nor removed disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-08-01 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: VA

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached.

Company response to consumer: Closed with non-monetary relief