vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FCI Lender Services Inc.
State: IL

Complaint narrative:
My taxes and insurance have always been including in my home loan. This company and previous loan servicer knows that but insist on making extra money off of me. I switched insurance company 's have provided this company with proof of that.

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 2025-10-08 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Furnisher Reporting a Charge-Off Without Sending Required Notices * * To : * * Consumer Financial Protection Bureau ( CFPB ) * * From XXXX XXXX XXXX XXXX XXXX XXXX  Regarding XXXX XXXX XXXX XXXX, Account no XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Summary of Complaint : * * I am disputing the way XXXX is furnishing a charge-off on my consumer report. They have failed to comply with federal law by not providing me with either : XXXX. A Negative Information Notice under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( FCRA 623 ( a ) ( 7 ) ), and 2. An Adverse Action Notice under 15 U.S.C. 1681m ( FCRA 615 ). 

Both notices are mandatory, and the furnisher must provide them to me in writing. 

* * XXXX of the Issue XXXX XXXX XXXX XXXX The account in question is a credit card issued by XXXX - XXXX account reported positively for a period of time. 

- After I became delinquent, XXXX charged it off and began reporting derogatory information to the credit bureaus.- I never received a Negative Information Notice. 
- I never received an Adverse Action Notice. 

* * Why This Matters : * * - The Negative Information Notice exists so consumers are warned before derogatory data damages their credit. 
- The Adverse Action Notice exists so consumers know their rights to review, obtain, and dispute their credit report. 

* * What I Am Requesting : * * XXXX. Provide proof that both required notices were mailed to me, and provide actual copies. 
XXXX. If no proof exists, delete the charge-off tradeline from all credit reporting agencies and cease further furnishing. 

* * Consequences of XXXX XXXX XXXX XXXX XXXX Failure to send a XXXX XXXX Notice violates XXXX ( a ) ( XXXX ) and makes the tradeline unlawfully furnished. 
- Failure to send an Adverse Action Notice is a direct violation of XXXX and gives me the right to sue under 1681n and 1681o. 

* * Relief Requested : * * - Immediate investigation and enforcement action by CFPB. 
- Written confirmation that proof is provided or deletion of the charge-off occurs.

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 2025-10-08 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-10-08 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: GA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : 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 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 XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: NY

Complaint narrative:
I am submitting this complaint regarding an unverified and inconsistently reported Discover Card account that continues to appear on my credit reports despite multiple disputes and lack of verification. 

This account has been disputed over 15 times with all three credit bureaus ( XXXX XXXX XXXX XXXX XXXX and directly with Discover over the last several years. Despite repeated requests under the Fair Credit Reporting Act ( FCRA ) for proper verification, the company has not provided any supporting documentation that proves the accuracy or ownership of this account. 

The information being furnished is inconsistent across all bureaus, which further demonstrates inaccuracy and a lack of reasonable investigation : XXXX : Reports Dispute resolved ; reported by grantor. 

XXXX  : Reports Account was in disputenow resolvedreported by subscriber. 

XXXX : Reports Not disputed. 

These inconsistencies violate FCRA 623 ( a ) ( 1 ) ( A ) ( duty to report accurate information ) and 611 ( a ) ( 5 ) ( A ) ( requirement to delete unverifiable information ).

In addition, I have never received an IRS Form 1099-C from Discover, which would be required if the alleged debt had been canceled or charged off as a loss. I have requested this form from Discover on multiple occasions and received no response. The absence of a 1099-C calls into question whether the account was actually charged off or properly closed under IRS regulations .

The continued reporting of this account as a charge-off/collection without verification constitutes willful noncompliance under FCRA 616617, as the furnisher is knowingly reporting incomplete and inaccurate data after repeated notice. 

I am requesting that the Consumer Financial Protection Bureau require Discover to : Cease furnishing this unverifiable account to all consumer reporting agencies ; Delete the account entirely from all credit bureau files ; and Provide written confirmation of this action. 

Despite over a dozen attempts to resolve this matter through the credit bureaus and directly with the creditor, Discover has failed to provide validation or correction. The repeated re-reporting of inaccurate data is materially harming my credit profile and violates my rights under the FCRA. 

Requested Resolution : Permanent deletion of this Discover Card account from all credit bureaus and confirmation that Discover will no longer furnish this unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: UT

Complaint narrative:
Subject : Request Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) Immediate Deletion of Fraudulent Accounts from My Credit Report Dear Sir or Madam, I am writing to dispute inaccurate information on my credit report, pursuant to the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S.C. 1681c-2 ), and to formally request the blocking of all information resulting from identity theft. According to federal law, upon submission of an identity theft report, credit reporting agencies are required to block any information identified by the consumer as resulting from fraud or identity theft within a maximum of four ( 4 ) business days from receipt of this request. Pursuant to FCRA 605B, I request that Experian block and delete the information appearing on my credit report that is the result of fraud and identity theft within XXXX business days of receiving this letter. The fraudulent, inaccurate, and false information consists of a personal loan account opened under the name XXXX with the account number ( XXXX ). This account has caused several false entries and unauthorized inquiries to appear on my credit history. I have attached a copy of the credit report maintained by your agency showing the fraudulent item in question. I do not recognize the reported account. This account was not opened, requested, or authorized by me. It was the result of identity theft and financial fraud. I have not granted written authorization or consent to share my non-public personal information. Reporting or disclosing my information without consent constitutes a violation of 15 U.S.C. 1681b ( Permissible Purposes ) and of my privacy rights under 15 U.S.C. 1681a ( 4 ). Therefore, I request that this account and the related inquiries be immediately blocked or deleted from my credit file, in accordance with FCRA 605B. All necessary documentation is included in this package and has also been sent by certified mail. Listed below are the Collections that are being challenged 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Inquiries that are being challenged 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 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 explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-08 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: AZ

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: AZ

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing a formal dispute regarding the inaccurate reporting of multiple late payments by TransUnion. According to their records, several payments are incorrectly listed as late. These payments were made on time, yet the false reporting continues to harm my credit score and overall financial standing.

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 2025-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Accenture LLP
State: AL

Complaint narrative:
Over the last XXXX to XXXX  years the same debt collector from Accenture has had this personal issue with me and it has gotten out of hand now. He has again, today, called me to harass me and insult me because I have put in a complaint about the his actions as a debt collector. Over the years I have requested information from Accenture to justify the amount and authenticity of the debt. Because of that, Accenture Debt department has took this as a personal attack against them and have decided to punish me for that. By calling me talking disrespectful and calling me a liar then hanging up. To telling me they will not let me pay the debt to teach people like me a lesson. I have recorded the last conversation I had with the gentleman at Accenture who called me the day after I filed another complaint. I suggest all his conversations he had with other customers should be investigated. The way he talked to me and how comfortable he was with disrespecting me and still denying me a way to pay my debt by hanging up in my face shows he does this a lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: OH

Complaint narrative:
On XX/XX/XXXX my debit card with US Bank was rejected during a work lunch. When I called the bank the next day they were very vague but said the economic sanctions division was investigating and they couldnt provide any details but all XXXX of my accounts were locked and US bank is choosing to close all of my accounts. I was unable to withdraw money, use my debit card or close my account. I was told I had to wait up to 30 days for a letter in the mail that will include a reason along with a cashiers check with the balance of my accounts. I went up to a local branch, they were unable to see any notes on the account and told me it sounds like its a scam. The local branch called an internal department and was told the same as I was. I was not able to access my money or close my accounts due to a hold on my name. On XX/XX/XXXX I received a call from my local US bank stating that if I could come there they would close out my accounts and give me a cashiers check so I did. I received the letter in the mail from US Bank this week and it just states that in accordance with my deposit terms and conditions they have elected to close my accounts. 
Ive had this account since XXXX, never bounced a check, never went negative, never had an issue. I am a single mom with XXXX kids and own a house so for them to hold my money for 4 days is absurd. Especially right when XXXX expecting my payroll deposit on XX/XX/XXXX and my mortgage gets withdrawn on XXXX. In the letter I received dated XX/XX/XXXX it states that they are closing my accounts by XX/XX/XXXX unless I choose to close them prior to that. Nowhere in the letter does it state that I would not be able to access my money. 
This is resolved in the sense that I have my money now and have established an account elsewhere but I do not feel they can legally withhold my funds.

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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint because the creditor/debt collector has continued collection efforts despite my bankruptcy filing. This includes phone calls, letters, and reporting the debt to credit bureaus after the bankruptcy case was filed and/or discharged. Such actions violate the automatic stay and discharge injunction under bankruptcy law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX - XXXX * * * * * * * * * * * * * * XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX * * * * * * * XXXX FRAUDULENT INQUIRIES : XXXX OF XXXX - XX/XX/year> XXXX XXXX - XX/XX/year>XXXX XXXX XXXX XXXX  XX/XX/year> 2025

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 2025-10-08 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) 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 TILA US Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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