vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I've been late a few times on my car loan payment and have been including the late fees charged/accumulated. Most recently I made a payment yesterday for the regular payment amount plus the late fees reflected on the website. I viewed the account today and the late fees from this most recent late payment and a prior late payment are reflected as due and owing. I reached out to XXXX XXXX for an explanation and received several conflicting statements concerning this. I was first told that extra amount paid was applied toward the next regular payment and not toward the late fees due. However, the screen I am looking at does not reflect a reduced amount due for the next regular payment, only the full amount due ; the screen also reflects 100 % of the late fees incurred on the loan to date as being due. Second, after explaining this, I then asked where the money I have overpaid to cover fees is, the agent was not able to offer an explanation and then signed out of the chat.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Suggested Complaint Text ( copy-paste this ) : Im going through serious financial hardship and requested an extension or payment plan from Synchrony Bank before my promotional 0 % APR period ends on XX/XX/year>. I explained that I can not afford to pay the full balance at once and asked if they could freeze the interest or allow installment payments. 

Despite multiple phone calls and a long conversation with a supervisor, I was told there are no optionseither pay in full or over {$5000.00} in interest would be added. They refused to work with me even though I made it clear I want to pay, just need more time. Im asking for regulatory help to get a fair solution.

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 monetary relief
Consumer complaint received 2025-04-30 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: NC

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 15 USC 1681. 

Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry. 

Creditor Name : XXXX XXXX Inquiry Date:XXXX Reason : I don't recognize this inquiry. 

Creditor Name : XXXX XXXX Inquiry Date:XXXX Reason : I don't recognize this inquiry. 

Creditor Name : XXXX Inquiry Date:XXXX Reason : I don't recognize this inquiry. 

Creditor Name : XXXX XXXX Inquiry Date:XXXX Reason : I don't recognize this inquiry. 

Creditor Name : XXXX Inquiry Date:XXXX Reason : I don't recognize this inquiry. 

Creditor Name : XXXX XXXX  Inquiry Date:XXXX Reason : I don't recognize this inquiry. 

Creditor Name : XXXX XXXX XXXX Inquiry Date:XXXX Reason : I don't recognize this inquiry. 

Creditor NameXXXX XXXX  XXXX Inquiry Date:XXXX Reason : I don't recognize this inquiry. 

Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry. 

Creditor Name : XXXX Inquiry DateXXXX Reason : I don't recognize this inquiry. 

Creditor Name : XXXX XXXX  Inquiry Date:XXXX XXXXeason : I don't recognize this inquiry. 

15 U.S.C 1681 section 602A. States I have the right to privacy 15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C 1681c ( a ) ( 5 ) section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records on convictions of crimes which antedates the report by more than seven years. 
15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: MS

Complaint narrative:
To Whom It May Concern : I am writing in response to a message I received regarding an alleged debt with XXXX XXXX XXXX XXXX. I do not acknowledge this debt and am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

1. Cease and Desist Communication : Under 15 U.S. Code 1692c ( c ), I am formally requesting that you cease all further communication with me regarding this matter. This letter serves as written notice that I refuse to pay the alleged debt. You are legally required to stop contacting me, except to notify me of any specific legal action you intend to take. 

2. Debt Validation : If you believe I owe this debt, I request full validation under 15 U.S. Code 1692g. This includes a copy of the original contract, itemized charges, and proof that I am legally obligated to pay. 

3. Credit Report Removal : If you are reporting this account to any credit reporting agency, and you can not provide proper validation, you must immediately remove this account from my credit report. Reporting unverifiable or inaccurate information is a violation of the Fair Credit Reporting Act ( FCRA ) and may be reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. 

I am maintaining detailed records of all correspondence and will not hesitate to take further action if my rights continue to be violated. 

Sincerely

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: VA

Complaint narrative:
My federal student loan was transferred to MOHELA/DOFED without my knowledge or consent. I did not authorize this transfer in writing, nor was I provided timely notice or a billing statement at my new address. Because I had moved, I received no physical or electronic communication from MOHELA regarding account setup or payment instructions. 

As a result, I was unable to make a payment. Between XX/XX/XXXX and XX/XX/XXXX, MOHELA reported my account as 90 days delinquent, which caused my credit score to drop by XXXX points, as reflected in my TransUnion report on XX/XX/XXXX. 

This is a violation of : The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which requires furnishers of information to ensure accuracy and fairness when reporting to credit bureaus. MOHELA failed to meet this obligation by reporting me late when I never received a bill. 
The Higher Education Act ( HEA ), 20 U.S.C. 1082, which requires federal loan servicers to provide timely notification of account changes, servicing transitions, and repayment terms. 
The Privacy Act of XXXX, as I was not notified or allowed to opt-in to data sharing or servicing changes, nor was I offered a clear method of contact. 

This delinquency is not only inaccurateit was the direct result of MOHELAs failure to properly notify me, and I had no opportunity to make payments due to lack of access or information. I request : 1. Immediate removal of the 90-day delinquency from my credit reports 2. Correction of all reporting errors 3. A formal explanation of the transfer process and why I was not informed I have contacted MOHELA directly and submitted a FERPA complaint regarding the unauthorized access and mismanagement of my federal student aid data. I request urgent action to correct this violation and restore my credit standing..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( s ).

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 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
MIDLAND CREDIT MANAGEMENT IN THE AMOUNT OF XXXX XXXXXXXX am unaware of this debt and did not have the opportunity to dispute this account.If you believe you sent proper notification, please providecertified mail with receipt displaying my signature.If not please delete account as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I was preapproved for a home loan on XX/XX/XXXX. We ended up going to a new build property that i loved and had to go through the builder for the incentives. When the lender tried to pull my credit, Equifax would not pull and said there was a potential fraud alert and to have me call. I called first thing in the morning and spoke with someone and she stated she did not see any freezes or alerts on my file and the lender should be fine to try again. The lender did another hard inquiry and the same error came up. I called again and someone again said they did not see anything. I read off the error message the lender was receiving with the code and now all of a sudden they are telling me to type a cover letter with my name, address, and social security number and send a copy of my drivers license to their corporate license in XXXX. I asked was there a form to fill out or a number to fax this information to or email and she said no and it would take XXXX business days. I told her this is urgent as it's stopping my home buying process and she said there was no other way. I asked to speak with a XXXX and she put me on hold for a few moments and then came back to say there was no XXXX available and I could wait in the que with no estimated wait time of when a XXXX would be available

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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:
I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX XXXX. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX - XXXX XX/XX/year> Experian

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 2025-04-30 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:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( XXXX ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my 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 2025-04-30 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: NY

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: WI

Complaint narrative:
- I had a workphone with an applecard attached to it which was linked to my workphone number and email address. 
- After leaving the company I forgot about the applecard until I was made aware of wrongful charges to a subscription. 
- I immediately challenged the late payment charges and requested the account to be closed. At that time I requested information on file to be updated to my new billing address, new phone number and new email address of which I was advised that would not be possible. I questioned how I would be updated on the dispute? To which I advised they would send a letter to the address on file. Luckily I know my previous landlords and they were kind enough to keep me updated on any mail that would arrive in my name. 
- Fast forward to when the mail arrives of my XXXX statement : it clearly states the reversed balance ( screenshot attached in documents ). It showed the credit on file and I figured if anything I might even get some money back. 
- Only to find out that my XXXX XXXX tanked in XXXX due to a late payment of - guess what XXXX dollars. Seriously how did that happen? 
-Spoke to XXXX XXXX I was credited for some but not all of the disuputes and owed a XXXX dollar interest charge. At this moment I demanded them to update my details on file because it made XXXX sense that i am not being made aware of this dispute results for the reasons mentioned above. At this time they were able to transfer me to a person that actually was able to change my details on file. Excellent but why was this not possible the first time around? 
- In the meantime I eagerly paid the outstanding interest charge and told them it made XXXX sense and that I would like to challenge this late payment on my report because the information on file was inaccurate ( which I tried to update to no avail ) and therefore I was not made aware of XXXX ) my outstanding balance and XXXX ) the results of the dispute. 
- I included multiple statements after I received full access to my account in XXXX once I could ( or better was allowed? ) to update to my new address and phone number etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I have a car lease, the car was broken over and over and I call the bank to take it, I have the amount to pay but its change like XXXX  times already, and post in my credit report ( charges off ) they still send me a letter for deferents amount to pay

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: IN

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
his letter is a formal notice that I have previously sent written disputes regarding inaccurate or unauthorized information on my credit report. Despite providing all required documentation and allowing a reasonable time for response, the company has failed to comply with the Fair Credit Reporting Act ( FCRA ) by not correcting or removing the disputed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate 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 non-monetary relief