vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Care credit, a card Ive had for 10 years closed my account due to an error they made. 
On the app, they have an area to check which checking account I wish to use to make my payment. 
There was only one listed. The one I had given them.

They used one which was not listed nor have I ever used, as it was also in my deceased brothers name. I had never given them this account. Because of this error 2 payments did not go through.

Within 1 week I added my same XXXX  account thinking it was my error. They replied they already had that account. I then paid them immediately which was within a week.

They closed my account based on an error they made. I searched for this account they used and it was not listed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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, Engelhardt V. Gravens ( MO ) XXXX 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 2025-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
My personal information was compromised in a data breach, and now Im being held responsible for debt that I didnt authorize or create.

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 2025-04-02 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: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
My 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: NY

Complaint narrative:
FCRA Section 609 ( a ) - This section gives me the right to request and dispute any inaccurate information on my credit report. The creditor has continued to report the charge-off as a recurring event rather than as a one-time entry, which is incorrect and misleading. 

FCRA Section 611 ( a ) - The FCRA requires that credit bureaus investigate disputes within 30 days. In my case, this charge-off has been reported repeatedly without being corrected, despite my previous attempts to dispute it. I have reason to believe that the creditor is not properly reporting this account in compliance with the law. 

FCRA Section 623 ( a ) - The creditor is required to report accurate information to the credit bureaus. By continuing to report a charge-off each month, they are violating their responsibility to report accurate information.

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 2025-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Bureaus, Inc.
State: VA

Complaint narrative:
The Bureau 's collection agency is illegally trying to re-age a debt. They update my credit report with incorrect dates and provide false information monthly. I have sent a dispute to the credit bureau for the deletion of the account. These actions are completely nearly monthly know the reported information is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
As a direct result of your negligence in maintaining accurate reporting, I have suffered financial harm, including denial of credit, auto loans, and higher interest rates, all of which are violations of my consumer rights. Under 15 U.S.C. 1681n and 15 U.S.C. 1681o, you may be held liable for willful and negligent noncompliance with the FCRA, including actual damages, statutory damages of up to {$1000.00} per violation, punitive damages, and attorneys fees. 

You have five ( 5 ) days from receipt of this letter to correct and remove the erroneous information from my credit report. If you fail to comply, I will have no choice but to escalate this matter through legal action to seek full compensation for the financial and emotional damages caused by your noncompliance. 

Please provide written confirmation once the disputed item ( s ) have been removed or corrected. If you believe the information is accurate, provide documentation verifying its validity. Otherwise, failure to act will result in further legal consequences. 

This letter serves as a formal record of my request under the FCRA, and I expect immediate corrective action. I look forward to your prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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:
I am writing to formally dispute the accuracy of several items listed on my credit report. Per the Fair Credit Reporting Act ( FCRA ) 611, you are required to ensure that all information reported is accurate, verifiable, and complete. Based on my investigation, the following accounts and inquiries fail to meet these legal requirements and must be removed immediately unless full validation is provided. 
Late Payments ( FCRA 1681s-2 ( a ) ( 1 ) ( B ) ) 1. XXXX XXXX XXXX  # XXXX I request a full investigation into the reporting of late payments on this account. 
XXXX. XXXX XXXX XXXX XXXX XXXXXXXX The reported late payments are inconsistent and must be verified or removed. 
Collection Accounts ( FCRA 609 ( a ) ( 1 ) ) 3. XXXX XXXX  # XXXX No valid documentation has been provided to verify the legitimacy of this collection. I demand validation under the FCRA. 
Hard Inquiries ( FCRA 604 ( a ) ) The following inquiries appear on my credit report without my authorization. Under FCRA 604 ( a ), an inquiry must have a permissible purpose and my written consent. As I have no record of authorizing these inquiries, I request their immediate removal : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Request for Action Since the information listed above is inaccurate, unverifiable, or unauthorized, I request the following : Immediate deletion of unverifiable accounts under FCRA 1681i ( a ) ( 5 ) Removal of unauthorized inquiries under FCRA 604 ( a ) Updated credit report reflecting the corrected information Failure to comply with this request will result in further action, including complaints with the CFPB, FTC, and my State Attorney Generals office. Please provide a written response within 15 days acknowledging receipt of this dispute. 
Sincerely, 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 2025-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX debt that was last paid in 2017 is being used to sue by midland credit management.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Servicer under contract with Federal Student Aid
State: DC

Complaint narrative:
On XX/XX/XXXX, I logged into my XXXX account to check the loan balances on my two active, federal loans and submit a monthly payment towards both. 

I noticed that my loan balance had increased from $ XXXX - the last recorded loan balance - to $ XXXX. 

This is the second time this has occurred this year - my balance also increased from $ XXXX to $ XXXX in XXXX XXXX. 

Both times, this occurred with no physical or digital notification, and no notation in my online XXXX  account. 

Presumably, this is capitalized interest carried over from the Biden-era student loan holds that the Biden administration put in place during COVID. 

However, there is still no indication in my XXXX  account ( anywhere ), including my lifetime loan history, that shows a capitalization of interest on either of my two active, federal loans- one subsidized and one unsubsidized. 

Further, I received no communication of any kind - by mail, by email, or by phone - indicating that I had any interest balance of any kind that may become capitalized at a future date, nor was I informed of any steps to resolve this in advance and in a proactive manner. 

I have captured the entire account history on both active loans as well as screenshots showing no recorded loan data between XXXX and XXXX. I also saved my XXXX  chat content from today 's outreach to an XXXX customer service representative.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
My account with EXPERIAN 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.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

Company 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 2025-04-02 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: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: CA

Complaint narrative:
I recently discovered that my credit report contains accounts that I have no knowledge of. I did not open or authorize these accounts, yet they are being reported under my name. This is completely inaccurate, and I need an immediate explanation of how this happened. My credit history is being unfairly impacted, and this situation needs to be corrected immediately.

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 2025-04-02 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:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 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 2025-04-02 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX 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 explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
On XX/XX/year>, I attempted to resolve issues with Ally Banks failure to send a replacement debit card for an expiring account. Despite the cards expiration, no replacement was automatically issued. During two calls that day ( 6 minutes and 10 minutes ), the agent could not clarify why no replacement was sent, review card expiration records, or confirm if prior cards had been mailed. 

On XX/XX/year>, I made three additional calls to Ally : - A 38-minute call ended when the agent disconnected without resolution or callback. 
- A 25-minute call involved an agent who refused to allow my wife ( a joint account holder ) to authorize me to perform transactions or order a replacement card on her behalf, even after we explained XXXX XXXX XXXX and unavailable. The agent showed no empathy for our situation and insisted she remain on the line, which caused completely unnecessary hardship. 
- The same agent could not confirm if a replacement card ( ordered on XX/XX/XXXX ) had shipped, provide tracking details, or explain why an unexpired card in the joint account holders name could not be activated. He claimed the card was canceled due to delayed activation but provided no prior notification of this policy. 
- The agent refused to expedite a replacement card without fees, despite Allys errors causing the issue. After over an hour on hold for a fee override, I abandoned the call. 

Throughout these interactions, Ally Bank failed to address systemic issues with card replacements, activation policies, or customer support.

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 2025-04-02 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: IL

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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