vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-25 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: CBC Companies, Inc.
State: TX

Complaint narrative:
Subject : Formal Dispute of Fraudulent Account Innovis Credit Report / XXXX XXXX  To Whom It May Concern, I am writing to file a formal dispute regarding inaccurate and fraudulent information appearing on my Innovis credit report. I recently received notice of an account reported by XXXX XXXX that I did not open or authorize. 

Details of the fraudulent account are as follows : Creditor : XXXX XXXX Address XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX Account Number ( ending ) : XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX First Date of Delinquency : XX/XX/XXXX This account does not belong to me. The last XXXX digits of the Social Security number associated with this account ( XXXX ) do not match mine, which confirms that this account was opened fraudulently under my name or personal information. 

Additionally, from XX/XX/XXXX through XX/XX/XXXX, I was hospitalized and recovering from a XXXX transplant, which further proves that I could not have possibly opened or managed this account during that period. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that Innovis conduct a thorough investigation of this matter. Since this account is clearly fraudulent and does not belong to me, I demand that it be removed from my Innovis credit report immediately. 

Please provide me with written confirmation once the fraudulent account has been deleted. I am requesting that this investigation and deletion be completed within XXXX  days, as this is causing undue harm and distress to my credit and financial reputation. 

Enclosed are copies of my government-issued identification and proof of address to verify my identity. 

Requested Action : Remove the fraudulent XXXX XXXX account from my Innovis credit file. 

Provide written confirmation of deletion. 

Notify any parties that received my incorrect credit file of the correction under FCRA 611. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I am writing to formally request that all automatic payments be stopped immediately on my vehicle loan for my XXXX i keep informing you guys, its not authorized. Since XX/XX/year>, I have contacted Ally regarding continuous mechanical issues and excessive repair costs associated with this vehicle. 

The car has required major repairs nearly every other month, with expenses comparable to the monthly loan payment itself. Multiple independent dealerships have also advised me that the vehicle was overpriced for its condition and that the interest rate was unusually high considering the recurring problems and breakdowns.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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: SC

Complaint narrative:
I am submitting this dispute because there are unauthorized and inaccurate accounts appearing on my credit report. I did not open, authorize, or approve these accounts, and I was never notified about their addition. The information being reported is inconsistent across all three credit bureaus, which violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), requiring agencies to ensure maximum possible accuracy of reported information.

This situation also breaches 15 U.S.C. 1681i, which states that any disputed information must be investigated and either corrected or removed within 30 days, as well as 15 U.S.C. 1681g, which gives consumers the right to receive a complete and accurate disclosure of their credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update e records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

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 2025-10-25 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: AR

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update e records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

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 2025-10-25 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: FinCo Services Inc DBA Current
State: NV

Complaint narrative:
I disputed unauthorized Current XXXX XXXX credit card transactions totaling {$300.00} made in XX/XX/XXXX, including multiple XXXX charges. My card was lost and I did not authorize or benefit from the transactions. 

Current denied my dispute and then refused to reopen my claim despite new evidence. I provided screenshots from my XXXX app that prove my last ride was in XX/XX/XXXX, so the XXXX transactions in XX/XX/XXXX were impossible and clearly fraudulent. 

Currents denial letters state the transactions were authorized solely based on proximity and XXXX, which does not prove cardholder authorization. They also accused me of being a potential dispute abuser, which is irrelevant and prejudicial. 

I requested the documentation Current used to deny my claim, but they refused to provide it, which violates my rights under 15 U.S.C. 1693f and 12 C.F.R. 1005.11. 



Company : Current / XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXXXXXX XXXX Washington XXXX DC XXXX Subject : Formal Complaint Unjustified Police Call by HSBC Bank USA XXXX XXXX XXXX ) on XX/XX/year> Dear Sir or Madam, I am writing to file a formal complaint against HSBC Bank USA regarding an incident that took place on XX/XX/year>, at the HSBC XXXX XXXX in California. 

On that day, I visited the branch to deposit a check into my account. There was a misunderstanding between myself and the bank staff regarding the check deposit process. I spoke in XXXX, and due to language barriers, the communication became unclear. Instead of providing clarification or assistance, the bank staff asked me to leave and called the police without justification. 

I was calm and cooperative throughout the situation. However, the police arrived, and I was taken to the police station for questioning. This incident caused me significant emotional distress, humiliation, and fear, even though I had done nothing wrong. 

I believe the bank staff acted unprofessionally and inappropriately by escalating a simple misunderstanding into a police matter. Their behavior reflects discriminatory treatment and a failure to follow proper customer service protocols. 

I respectfully request that the Consumer Financial Protection Bureau investigate this incident and require HSBC Bank USA to : 1. Provide a written explanation for why the police were contacted ; 2. Review its staff training and customer service procedures ; 3. Take corrective action to prevent similar situations from happening to other customers in the future. 

Please confirm receipt of this complaint and provide a response regarding the next steps. I can be reached at the contact information listed below. 
My name is XXXX XXXX I was use hsbc 5 years my Account Number XXXX XXXX my phone number XXXX my email XXXX Thank you for your time and attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
On XX/XX/year>, I made a payment of {$800.00} toward my loan. At that time, my balance was approximately {$12000.00}. However, shortly after that payment, I noticed that my balance increased instead of decreasing it went up to about {$13000.00}. 

When I contacted your office on XX/XX/XXXX, a representative told me that the balance would be corrected within 15 days. That statement turned out to be untrue. Today, when I called again, I was informed that the additional amount was for insurance something I never agreed to, and for which I was never notified or contacted. 

Furthermore, I have repeatedly requested a copy of the original loan contract I signed when I purchased the vehicle from the dealership. Despite multiple calls, I have not received a readable or valid copy of that contract. The documents you mailed to me were not legible and did not include the signed loan agreement.. The addition of insurance charges to my loan balance without my consent or prior notice is improper and possibly illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
On XX/XX/year>, I filed disputes with XXXX, XXXX, and XXXX  regarding inaccurate reporting of my XXXX XXXX account issued by Synchrony Bank. Despite providing evidence of multiple errorssuch as duplicate charge-off notations, incorrect balances, and over-limit reportingthe credit bureaus verified the information without correction. 

On XX/XX/year>, I sent formal Method of Verification requests to all three credit bureaus, and again the tradeline was verified without explanation. 

On XX/XX/year>, I mailed a direct dispute under FCRA 623 ( a ) ( 8 ) directly to Synchrony Bank, requesting documentation showing how the account was verified, what records were reviewed, and clarification on whether the debt was sold or placed with a third-party collector ( XXXX XXXX XXXX  sent me a collection notice on XX/XX/year> ). 

Synchrony responded on XX/XX/year>, stating only that the account was verified as accurate and refusing to modify or delete any information. They did not identify what was reviewed, nor did they address the inaccuracies I described. 

Synchronys failure to conduct a reasonable and documented investigation violates 15 U.S.C. 1681s-2 ( b ). Their continued reporting of demonstrably inaccurate data after direct notice constitutes willful noncompliance with the FCRA. 

I am requesting that the CFPB review this issue and require Synchrony Bank to conduct a proper reinvestigation and correct the inaccurate reporting on my PayPal Credit account.

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 2025-10-25 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: SC

Complaint narrative:
My account with EQUIFAX EXPERIAN 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 21 days before the payment due date. EQUIFAX EXPERIAN 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 21 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 2025-10-25 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:
I am writing pursuant to 15 U.S.C. 1681i and 15 U.S.C. 1681c-2, which grants consumers the right to dispute and remove inaccurate or fraudulent items from their credit reports. I have identified hard inquiries on my credit report that were made without my knowledge or expressed written consent. These inquiries are unauthorized and constitute identity theft as defined under federal law. As a result, I request the immediate deletion of the following unauthorized hard inquiries from my credit report as they are a violation of permissible purposes outlined in the FCRA : 1. Identity Theft XXXX XXXX  XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

2. Identity Theft XXXX XXXX XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

3. Identity Theft XXXX XXXX XXXXXX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

4. Identity Theft XXXX  CARD XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove 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
Consumer complaint received 2025-10-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
I am filing a complaint against MOHELA, XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX for inaccurate loan servicing, incomplete balance history, and predatory origination practices.

This private student loan was originated by XXXX XXXX on XX/XX/XXXX, less than one month after my XXXX birthday ( XX/XX/XXXX ). I had no co-signer, no credit history, and no clear understanding of the terms or costs. I was not properly informed of the 10.93 % interest rate, capitalization rules, or the long-term repayment impact. I would not have agreed to this loan had these terms been clearly disclosed or explained. 

The loan has since been transferred multiple times ( XXXX XXXX XXXX MOHELA ). Each servicer has failed to provide a complete payment and declining-balance history. In a letter dated XX/XX/XXXX, MOHELA confirmed in writing that XXXX did not provide payment or balance data and that XXXX did not provide full records. Because of this, the current reported balanceover {$50000.00} in finance charges on an original loan of roughly $ XXXXappears inaccurate and unsupported.

I have already contacted MOHELA requesting a full accounting, including all interest-capitalization events and forbearance periods, but they have not provided this information.

I am asking the CFPB to investigate and compel the servicers to : 1. Produce a verified payment and balance reconstruction from origination to present ; 2. Document every interest-capitalization event and deferment ; 3. Provide proof of legal ownership and enforceability of the debt ; and 4. Review whether the original loan violated the Truth in Lending Act ( TILA ) or state consumer-protection laws, given my age, lack of co-signer, and absence of informed consent at origination.

I have attached the letter I received from MOHELA dated XX/XX/XXXX, and am happy to provide additional documentation upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: States Recovery Systems, Inc.
State: CA

Complaint narrative:
I requested a chain of title, validation of debt and which this company did not provide legal documentation on this issue, and there was also inaccuracies under XXXX metro characters XXXX through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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:
To Whom It XXXX Concern : This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : First & Last Name XXXX. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the XXXX abovel My only Phone number is ( XXXX XXXX XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed.

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 2025-10-25 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:
XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX * EquifaxP.O. XXXX XXXX XXXX, GA XXXX XX/XX/XXXX This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. 
The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C.

1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 
Please dont respond to my request by saying that these accounts have been verified. 
Send me copies of the documents that you have in your files that were used to verify them. 
If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ).

By publishing these inaccurate and unverified items on my credit report and distributing them to 3 rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.

C. 

XXXX, all unverified accounts must be promptly deleted. 
Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed. 
I demand the following accounts be properly verified o r removed immediately. 
XXXX ame of XXXX ount : Account XXXX umber : P XXXX vi de XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at i on XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX NOTE : P l ease a l so remo v XXXX all non - account XXXX XXXX XXXX XXXX XXXX i nqu i r i es o v er XXXX da y XXXX o l d. 
XXXX XXXX XXXX You, XXXX, STEPHENAttached : Copy of my Social Security XXXX XXXX XXXX XXXX is attached Sent : XXXX XXXX Mail

Company response to consumer: Closed with non-monetary relief