vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 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: SC

Complaint narrative:
I am submitting this formal complaint against XXXX XXXX XXXX regarding unlawful, unethical, and deceptive lending practices, as well as willful violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Key Issues : 1. Predatory Auto Loan I entered into a loan agreement with XXXX XXXX in XXXX or XXXX and they have all of my excellent payment history missing from that time to XXXX on my Credit Reports. The loan also contained excessive interest rates and unfair terms that meet the definition of predatory lending. I was misled about repayment terms and obligations. 

2. Illegal Vehicle Repossession & Sale XXXX XXXX repossessed my vehicle without providing proper legal notice, including : No Notice of Intent to Sell No Notice of Disposition Following the sale of the vehicle, they failed to credit my loan balance with the proceeds or provide an accounting breakdown of how the funds were applied, in violation of UCC Article 9 and relevant state consumer protection statutes.

3. Inaccurate & Harmful Credit Reporting XXXX has been reporting inaccurate information to the credit bureaus since XXXX, including : Falsely reporting a closed account as open - Please see attachment Pg. 3. 

Omitting a monthly payment entry Continuing to report the balance as due despite the vehicles sale and no debt validation Ignoring multiple consumer disputes, refusing to correct or investigate as required by the FCRA Their actions have severely harmed my credit profile and limited my financial opportunities for several years. 

Again, this has been taking place since XXXX and XXXX XXXX has willingly continued to report inaccurate information on my Credit Report. This loan was a Predatory Loan to begin with and they continue to operate with Unethical and Fraudulent Lending Practices. I am now seeking to retain an Attorney to sue them for Damages.

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This complaint is challenging the inaccurate reporting of the 2 accounts I have attended to here. This is not a 3rd party filing this. My name is XXXX XXXX and I am entitled to 100 Percent accuracy. Those 2 accounts need to be removed immediately. And please send me the steps that were taken to investigate this matter. Including the ACDV form. Thank you

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
As you review my report you can see that the Address and other information is incorect or not belonging to me

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I don't recognize these addresses im kindly requesting their immediate removal ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2025-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
I applied for a AMEX XXXX card which advertises a welcome bonus of UP TO XXXX points. I have a XXXX rating of XXXX and a XXXX XXXX income. My welcome bonus was calculated to be XXXX points. Clearly if I don't qualify for the top bonus, this is a bait-and-switch advertisement. 
I contacted AMEX and spoke to a customer service rep and filed a complaint and also to a supervisor and filed a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Synchrony Bank approved this year on or about XX/XX/XXXX ( XXXX ) XXXX of the credit accounts that were closed last year XX/XX/XXXX indicating that I was a risk for payment. They opened these accounts ( XXXX, XXXX XXXX, CareCredit, XXXX XXXX XXXX ) to close them again on XX/XX/XXXX. I am making more income and have less debt and they closed my accounts with the same poor excuse that I am a risk. Why would they reopen these accounts to shut them down within a month of issuance. THEIR POOR PRACTICE IS HURTING MY CREDIT AND MUST BE INVESTIGATED.

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 2025-06-23 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:
These inquiries appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

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 2025-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Pressler & Pressler, LLP
State: PA

Complaint narrative:
I am filing this complaint against Pressler , Felt & Warshaw , LLP for systematically disregarding my rights as a consumer by summarily closing every dispute or written correspondence Ive submittedwithout proper investigation, resolution, or acknowledgement of the facts or my legally protected status as a XXXX adult. 

As someone diagnosed with XXXXXXXX XXXX XXXX and currently on Social S

ecurity Disability Insurance ( SSDI ), I am entitled to specific protections under both the Fair Debt Collection Practices Act ( FDCPA ) and the Americans with Disabilities Act ( ADA ). Despite repeated efforts to communicate in good faith, this law firm has displayed a pattern of prematurely closing my disputes, effectively denying me access to meaningful due process and violating my right to accessible dispute resolution procedures. I believe this law firm is using the court system not to seek justice, but to intimidate judgment-proof consumers like myself into default judgments or settlements they can not afford. Their continued refusal to engage in authentic communication constitutes a form of procedural abusehiding behind formalism to deny me substantive due process. Given the recurring pattern of premature dispute closures, boilerplate responses, and the firms failure to accommodate my XXXX despite multiple notifications, I respectfully request that the Consumer Financial Protection Bureau initiate formal supervisory oversight or a targeted examination into Pressler, Felt & Warshaws operational procedures as they relate to debt collection and consumer dispute handlingparticularly with regard to consumers on XXXX  benefits and those with communication or XXXX XXXX. An estimate of the volume of similar complaints involving the firms handling of disputes from XXXX or judgment-proof consumers would be essential to determine whether a systemic issue exists. It is my belief, based on personal experience and a review of other public complaints, that this firm may be using procedural inertia and paper closures as a way to bypass its obligations under federal law, exploiting consumers who lack the capacity or resources to litigate or defend themselves in court.

I ask that the Bureau consider supervisory action not only as a remedy for my individual case but as a preventative measure to shield other vulnerable Americans from being silently shut out of a legal process they never consented to enter.

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I got a email that XXXX is closing my account I called in telling that I never was late never bounce a payment so why thay close me they didn't answer me I sent a later in mail to ask them to think again but they didnt answer I think they mix my name with other but I never did anything wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: TX

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

1681c-2 ) that you, the XXXX  credit reporting agency, 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 : XXXXXXXX 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 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 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 XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2025-06-23 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: VA

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

1681c-2 ) that you, the Experian credit reporting agency, 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 : XXXXXXXX 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 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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional.

This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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 2025-06-23 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: OneMain Finance Corporation
State: NY

Complaint narrative:
Dispute of Hard Inquiries and Request for Removal under 15 U.S. Code 1681 Dear XXXX XXXX and Equifax, I am writing to dispute the following hard inquiries on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX Reason for Dispute I am disputing these hard inquiries because I did not authorize these inquiries, and I believe they are inaccurate. Furthermore, I am concerned about the data breaches at your companies, which have compromised the security of my personal and financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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:
Re : Identity-Theft Block & Correction of Personal Information ( FCRA 605B & 611 ) To Whom

It May Concern, I recently purchased and reviewed a copy of my credit report and was shocked to see several incorrect names and addresses listed in the personal-information section. These false, inaccurate, and unknown identifiers do not belong to me, and their presence raises serious concerns that I may be a victim of identity theft. I am alarmed and frustrated that such errors appear on my personal credit file. I need your help to investigate these inaccuracies and ensure that only correct, verifiable data remains on my report.

With that being said, these accounts and inquiries are likewise the result of identity theft. Under the Fair Credit Reporting Act ( FCRA ) Section 605B 15 U.S.C. 1681c-2, I am formally requesting that you block the items listed below and remove them from my credit file immediately. This letter also rescinds any past or assumed authorization that may have been tied to these items.

Personal Information to Be Corrected ( Names & Addresses ) EMPLOYER - ACTIVAOOO RACING - Please remove this inaccurate info on my credit report.

EMPLOYER - SELF EMPLOYED- Please remove this inaccurate info on my credit report.

Supporting Documents Enclosed 1. Copy of my government-issued photo ID 2. Recent utility bill ( proof of current address ) 3. Identity-theft report filed with the FTC ( FTC Identity Theft Report ) If any party refusesor later attempts to reinstatethese items, you must supply a notarized affidavit, signed under penalty of perjury by a senior executive, affirming that I expressly authorized the reporting and that the information is accurate and complete. Otherwise, the items must remain deleted. 
I expect written confirmation within 15 days of the date of this letter that : The fraudulent accounts/inquiries have been blocked and removed, and The erroneous names and addresses have been deleted or corrected. 
Failure to comply will leave me no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), Better Business Bureau ( BBB ), and my State Attorney General, and to pursue any other remedies available under federal and state law. 
Thank you for your prompt attention to this matter. Please contact me in writing if additional documentation is required. Sincerely,

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary XXXX. Please review the documents Ive provided and take immediate action to resolve the issue.

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 2025-06-23 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: TX

Complaint narrative:
To Whom it may concern, I've recently received a copy of my credit report and noticed several inaccurate and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. 
When the requested changes are made, pease mail me an updated copy of my credit report. 

Kind regard, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I need letter from XXXX to my XXXX  showing proof that account needs to come off report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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 2025-06-23 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: NC

Complaint narrative:
I am filing a formal complaint against XXXX XXXX for the ongoing and inaccurate reporting of a closed account that continues to damage my credit report and misrepresent my financial standing. 

This account was paid in full and closed as of XX/XX/year>. Despite being a closed account with a {$0.00} balance, it continues to reflect 14 months of derogatory marks ( 30, 60, and 90-day late ), and shows no update to reflect that it is closed in good standing. Additionally, the reporting appears stale and non-compliant, lacking proper update timestamps and not aligning with Metro 2 reporting standards.

I have disputed this account multiple times with the credit bureaus and have provided supporting documentation, including proof of payment. However, XXXX continues to verify the account without correcting or removing the misleading information. This violates the Fair Credit Reporting Act ( FCRA ) 623 concerning accurate and complete reporting.

The derogatory nature of the data is materially misleading since the account is fully paid and closed, yet XXXX continues to supply damaging data to the bureaus without appropriate correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: NJ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation