vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Experian Credit XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, SC XXXX ACCOUNTS : XXXX - Account Number : XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX XXXX Account Number : XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$130.00} XXXX  XXXX - Account Number : XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$640.00} XXXX - Account Number : XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account XXXX XXXX XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$750.00} XXXX XXXX XXXX - Account XXXX XXXX XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$960.00} XXXX XXXX XXXX - Account XXXX XXXX XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX XXXX XXXX - Account XXXX XXXX XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$550.00} XXXX XXXX XXXX - Account Number : XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$700.00} XXXX XXXX XXXX - Account Number : XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX XXXX - Account Number : XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$780.00} XXXX XXXX XXXX - Account Number : XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$580.00} XXXX XXXX XXXX - Account Number : XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$890.00} XXXX CRED - Account XXXX XXXX XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$790.00} XXXX CRED - Account XXXX XXXX XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$400.00} NCB - Account Number XXXX XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX  XXXX - Account Number : XXXX * * * XXXX, Date Opened : XXXX, Balance : {$990.00} XXXX  XXXX - Account Number : XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} XXXX XXXX XXXX - Account Number XXXX XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$620.00} XXXX  FIN - Account Number : XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XX/XX/XXXX - Account Number XXXX XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-06-27 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:
The Fair Credit Reporting Act ( XXXX XXXX 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 1666B 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Synergetic Communication Inc
State: CT

Complaint narrative:
XXXX XXXX From Synergetic Communication , Inc https : //syncomcorp.net/ called my daughter on her cell phone and told her I owe money. He used this number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hall & Ludlam, PLLC
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX reported a new garnishment balance that appears inaccurate. I was already garnished {$3200.00} toward the original balance of {$6900.00}. They filed a second garnishment on the same case ID with a new goal of {$4700.00}, but did not credit prior payments or explain the new amount. I requested an updated accounting and proof of the debt, but they did not provide it. This is misleading and may involve double collection on the same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: CA

Complaint narrative:
This complaint concerns a charge-off entry currently being reported on my TransUnion credit file for an account listed as XXXX, account number ending in XXXX, with a reported charge-off date of XX/XX/year>, and a balance of {$470.00}. I am formally disputing this entry as inaccurate, unverifiable, and misleading. I have no clear or documented knowledge of this debt, and TransUnion has not provided me with any legitimate verification or original documentation from the creditor that justifies the continued reporting of this derogatory status. 

I have worked diligently to ensure my credit reports remain accurate and error-free. I have disputed past inaccuracies and had them successfully removed after they were shown to be unverifiable. I have not received any statements, notices, or supporting documentation tied to this alleged XXXX account that confirms the existence, amount, or delinquency associated with this {$470.00} charge-off. In the absence of verifiable proof such as a signed contract, billing history, or payment record there is no valid basis for TransUnion to continue reporting this item. 

This charge-off is not only questionable in origin, but it also unfairly lowers my credit score, misrepresents my financial history, and affects my ability to qualify for credit, housing, or employment. Its presence in my file is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain and report only data that is maximally accurate. Furthermore, 15 U.S.C. 1681i mandates that when a consumer disputes information on their credit file, the credit reporting agency must conduct a reasonable reinvestigation and remove any entry that can not be verified through competent evidence. 

To date, TransUnion has failed to meet those standards. The continued reporting of this charge-off without providing any legally sufficient documentation is unacceptable and noncompliant with federal 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 non-monetary relief
Consumer complaint received 2025-06-27 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 am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: LA

Complaint narrative:
RENTRECOVERYSOLUTIONS is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: GA

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  In accordance with the fair credit reporting act, public law 91-506, title VI, section 611, subsection A-D, please provide the name and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me a updated copy of my credit report after your re-investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: IN

Complaint narrative:
Back in XXXX of 2024, my husband and I contacted our mortgage company, XXXX about checking into getting our PMI removed. After much back and forth and their agents expressing different information every time we called or reached out, they finally advised we have to pay a fee of XXXX for a XXXX appraisal. They cashed the check immediately and we waited for almost XXXX more months to get the appraisal. 

The appraisal came in at much lower than what we thought even though we did our own research. We submitted letters of Reconsideration of ValuXXXX. To date, nothing has been resolved almost a year later. 

The communication is lacking inconsistent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of XXXX which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: CA

Complaint narrative:
I received a notification & email from XXXX stating my account is scheduled for closure on XX/XX/year>. I called Chime by telephone & after going in circles with the XXXX XXXXXXXX who habitual told me they can help me stop my closure. After speaking with an agent and a supervisor who both told me that they can not tell me the reason that I have violated the user agreement but the reason I was being terminated was because I had violated the user agreement. 

I'm adamant and certain I have done nothing out of the normal and against user agreement policies with chime. 

This is not legal for time to just close my account and I am dependent upon it as it is my single and sole checking account. This account is also connected and how I received my social security XXXX payments. 

I demand to know the reason why time thinks I am violating the user agreement. I'm also demanding that chime cancels the closure on my account. 

This is not legal to do to people without cause & reason & if I do not receive an explanation or my desired resolution I will be filing a formal complaint with the FTC as this is not the first time I've had problems with Chime. 

I've also filed a complaint with the XXXX XXXX XXXX in regards to this matter as well. 

This is an urgent matter & please reach out to me as soon as possible as I only have XXXX  days till my account closure. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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 this complaint against Experian for failing to investigate and respond to a credit reporting dispute that I properly submitted. 

In early XXXX, I disputed a derogatory item on my credit report related to an account reported by the Attorney Generals Office. This account originally began in XXXX, but it is being reported on my credit file as if it is new, which is misleading and inaccurate. 

To support my dispute, I submitted a copy of the court order related to the account, which proves the age and resolution of the debt. However, instead of conducting an investigation, Experian responded with a generic email stating they received a dispute that did not appear to come from me and that they would not investigate it. 

In response, I sent a follow-up letter, reattaching all of my documentation and clearly stating that I was the one who submitted the dispute. Despite this, over 30 days have passed, and I have received no further communication or investigation results from Experian. The inaccurate account remains on my credit report. 

This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to investigate consumer disputes within 30 days and provide a response. 

I am requesting the CFPBs assistance in holding Experian accountable for their failure to properly investigate my dispute and remove or correct the inaccurate information 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 2025-06-27 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: OH

Complaint narrative:
I WAS A VICTIM OF MULTIPLE DATA BREACHES MY INFORMATION WAS COMPROMISED I SEE UNAUTHORIZED ACCOUNTS ON 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 non-monetary relief
Consumer complaint received 2025-06-27 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: OH

Complaint narrative:
I WAS A VICTIM OF MULTIPLE DATA BREACHES MY INFORMATION WAS COMPROMISED I SEE UNAUTHORIZED ACCOUNTS ON 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 2025-06-27 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I am filing this complaint against Indigo Mastercard ( XXXX XXXX XXXX XXXX ) for predatory fee practices, systemic exploitation of low-limit cardholders, and unethical reporting behavior that has directly undermined my credit profile. 

Despite timely payments and a near-zero utilization, XXXX subjected my account to unjustifiable fees, including a {$10.00} Account Protection charge I never authorized, and overlimit fees triggered not by spending, but by compounded fees themselves a circular debt trap tactic designed to exploit consumers. 

These charges not only inflated the balance but were also compounded with interest. At no point did Indigo notify me transparently or provide a breakdown that would justify the billing. Furthermore, they reported this manipulated balance to credit bureaus, knowingly damaging my score without basis. 

Attempts to contact them and resolve the issue led nowhere. Their support systems are designed to deflect accountability, push scripted replies, and deny responsibility a systemic barrier to conflict resolution. 

This is not a one-off. Their entire business model targets vulnerable consumers with low-limit, high-fee cards, designed to force overlimit fees, trap users with " protection '' schemes, and abuse their credit reporting power. 

This is financial entrapment, not service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information XXXX adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2900.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$220.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$260.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief