vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
ON XX/XX/XXXX I RAN A FREE WEEKLY CREDIT REPORT AND SAW A COLLECTION OR DEBT OWED FROM XXXX  THAT RAN FROM XX/XX/XXXX THIS MADE MY SCORE DROP SIGNIFICANTLY THE DEBT WAS A TOTAL OF {$320.00} I CALLED XXXX XX/XX/XXXX AND THEY HAD NO RECORDS OF ME FAILING TO PAY ANY AMOUNT OF MONEY OWED TO THEM ON MY BEHALF THEY THEN RECOMMENDED ME CONTACT THE CREDIT COLLECTION AGENCY WHO FILED THE CLAIM TO MY NAME AMSHER COLLECTION SERVICE XXXX XXXX I CALLED THEM TO INQUIRE ABOUT THIS DEBT AND THEY TOLD ME THE ADDRESS OF WHERE THE " DEBT '' '' WAS ACCURED XXXX XXXX XXXX XXXX IN TX I HAVE NEVER LIVED THERE I NEVER EVEN HEARD OF THAT ADDRESS BEFORE EITHER THIS IS A FRAUDULENT MARKING ON MY CREDIT AND NEED THIS REMOVED

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-11 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you 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 a personal credit card account opened at Exchange under the account number XXXX, XXXX XXXX XXXX  Account number : XXXX, XXXX XXXX Account Number XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX 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

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 2025-04-11 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-11 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-11 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 am submitting this formal dispute to demand immediate enforcement of my federally protected rights under the Fair Credit Reporting Act ( FCRA ), Gramm-Leach-Bliley Act ( GLBA ), and related federal laws against the systemic negligence and willful noncompliance of Experian, XXXX, and TransUnion . These credit reporting agencies have continuously violated critical provisions such as FCRA 605B, which mandates the blocking of fraudulent information within four business days upon evidence of identity theft ; FCRA 1681b, prohibiting unauthorized inquiries ; and FCRA 1681i ( a ) ( 5 ) ( B ), requiring proper certification and notification before reinsertions of previously deleted items. Their reliance on flawed automated processes, such as e-OSCAR, blatantly disregards their legal obligation under FCRA 1681e ( b ) to ensure maximum possible accuracy in reporting.

Further, the agencies have failed to protect sensitive consumer data as required under GLBA 6801 ( b ) and the Cybersecurity Enhancement Act of 2014, exposing me to identity theft and financial harm. Despite clear evidence, including an FTC identity theft report, these credit bureaus have refused to delete fraudulent accounts, unauthorized inquiries, and unverifiable information from my credit reports, causing ongoing financial damage, emotional distress, and reputational harm. Their negligence represents a systemic failure to safeguard consumer rights, undermining public trust and violating fundamental principles of data privacy and accuracy. 

I demand the CFPB hold these agencies accountable by enforcing federal regulations and requiring the following immediate actions : permanent deletion of all fraudulent accounts and unverifiable data ; removal of unauthorized inquiries ; disclosure of the method of verification for disputed items ; assurance that deleted information will not be reinserted without proper certification ; and compliance with cybersecurity and privacy mandates. Additionally, I seek statutory damages of {$1000.00} per violation under FCRA 1681n, compensation for emotional and financial harm, and assurance of non-recurrence through strict regulatory oversight. 

If these demands are not met, I will escalate this matter through formal complaints to the FTC, DOJ, State Attorney General, and other relevant agencies, as well as pursue civil litigation and engage consumer advocacy organizations and media outlets to expose these systemic violations. I expect the CFPB to act decisively to uphold federal law, protect consumer rights, and restore integrity to the credit reporting system. The continued negligence of these agencies is unacceptable, and immediate corrective action is non-negotiable.

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 2025-04-11 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: AZ

Complaint narrative:
I am writing to formally dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within 30 days, it must be deleted immediately from my credit file.

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 2025-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
My Care Credit card is through Synchrony Bank. When I got the card, Synchrony Bank didn't clearly tell me that if I didn't pay off the full balance within the first six months, they would charge me interest not just on the new balance, but also on the entire amount from the very beginning, and that this interest would keep growing. 

Also, even though I asked for paper statements to help me keep track of my bills, Synchrony Bank never sent them. On top of that, I never signed up for automatic payments. 

This isn't the first time I've had significant problems with how Synchrony Bank operates and how they treat their 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 2025-04-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: SC

Complaint narrative:
I submitted a residency application to the XXXX XXXX XXXX office in South Carolina on XXXX. The XXXX delayed processing the application and sent me a tax bill for {$7000.00}. They use this fraudulent amount to steal all the money out of my escrow account! They said I was not a resident when I in fact live at XXXX XXXX  XXXX XXXX XXXX South Carolina XXXX. After receiving all the money out of my escrow they then processed the application at a 4 % interest amounting to approximately {$2500.00} for taxes. They refuse to send me the refunded money and a proper tax receipt. They then said I co- own the property with XXXX XXXX XXXX  and gave them credit for paying my taxes making it look like Im in a rent to own when I in fact am not! I paid the taxes by my self and purchased the house with a VA loan from Rocket mortgage! Now rocket mortgage is going up on my mortgage because they refuse to give back the escrow money! They then filed for a restraining order and are illegally throwing me off the property!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I am a local small business ( startup ) owner writing about a credit card application that was denied. To be clear, I am not writing to necessarily contest the declining of the application, I am writing to report a total lack of transparency and dearth of knowledge regarding small businesses on the part of Wells Fargo associates. Through the process of applying for their small business credit card, it became clear that they inaccurately advertised the credit card and that their process disproportionately harms new businesses. 

For background : I have been a Wells Fargo customer for XXXX years and have very good credit. Since forming my company, I opened a small business checking account at a local Wells Fargo branch. I submitted the documents required to prove ownership. Ultimately, they rejected the application because the company is pre-revenue ( as are many many early-stage companies ). However, the claims included in my rejection letter state : " Unable to verify business, business phone number, and/or business ownership. '' Those claims are entirely illegitimate. 

Before receiving the letter of rejection, I was called multiple times by phone agents at WF XXXX XXXX who were entirely uninformed that all businesses start at XXXX. None of them understood how a small business could possibly not have a Schedule C on their tax return. Fundamentally, WF XXXX XXXX appears to only recognize businesses that have been operating for more than a year ( with revenue ) and this information wasn't presented upfront in the XXXX application. We are pre-revenue and have no Schedule C for XXXX. 

Clearly we have a verified business, business phone number, and business ownership. Were being pre-revenue to have disqualified us for a XXXX XXXX XXXX, that should have been clear from the beginning of the XXXX application. We wouldn't have applied for credit. Now, my credit has been pulled twice and I have now been denied credit twice, and that has negatively impacted my credit. As a consumer, and as an early-stage business owner, I have been wronged. It is also worth noting that I was advertised the card that I applied for. 

The worst part about their entire process is that it became clear that their playbook is to question the legitimacy of the business/ the integrity of the business owner.

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 2025-04-11 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:
There are several inaccurate items appearing on my credit report that must be addressed without delay. Some contain incorrect information that doesnt match any of my records, others are completely unfamiliar, and several appear to have been added without any proper verification. This is a clear violation of the FCRA, which requires that all data on a credit report be 100 % accurate and verifiable through reliable documentation. 

To resolve this issue, I am demanding the immediate and permanent removal of all disputed information. If the data furnishers can not produce valid evidence confirming the accuracy of these entries, they have no legal right to remain on my file. I expect prompt action to correct these errors and restore the accuracy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have XXXX days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

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 2025-04-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am a victim of identity theft per FCRA 611 15 USC 1681 & 1681 c-2, these inaccuracies from BANK OF AMERICA XXXX XXXX XXXX XXXX fraudulent accounts ) should be removed from my credit file and blocked along with inquiries from XXXX XXXX XXXX XXXX XXXX  should also be removed. These accounts are not my accounts and I was incarcerated when these accounts was opened in my name.

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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

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 2025-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I am filing this complaint with the Consumer Financial Protection Bureau to request immediate assistance in stopping the unlawful collection activity initiated by Portfolio Recovery Associates , LLC ( XXXX, XXXX ) regarding an alleged debt originally tied to XXXX XXXX XXXX. The account in question, Account Number XXXX was allegedly sold by XXXX XXXX XXXX XXXX XXXX XXXX, and they are now attempting to collect a balance of {$250.00}. I firmly believe this debt is not valid and may be the result of identity theft or reporting errors. To support this position, I have already submitted formal identity theft reports and complaints with the Federal Trade Commission ( FTC ). 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am demanding full validation of this alleged debt. PRA, LLC must provide the original account agreement bearing my signature, proof that they legally own the debt, and documentation showing that I am legally obligated to pay the amount being pursued. Until such validation is provided, I demand that all collection activities, including phone calls, letters, or credit reporting, cease immediately and permanently. 

If PRA, LLC can not produce legally admissible documentation confirming their right to collect this debt, I expect them to immediately and permanently stop all collection efforts and remove any related negative information from my credit file. Continued attempts to collect on a debt without proper validation will be treated as willful noncompliance with federal law. I am requesting that the CFPB investigate this matter thoroughly and ensure that Portfolio Recovery Associates , LLC complies with fair and lawful collection practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: CA

Complaint narrative:
My account with EQUIFAX 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 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 XXXX 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