vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 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: NY

Complaint narrative:
I3 weeks ago I applied for an auto loan and had to go with a much higher rate due to Miss information on my credit report. My score was a XXXX and my credit report stated I have several missed payments and delinquent accounts. I dont have any missed payments nor delinquent accounts whatsoever. I tried calling XXXX to fix it and XXXX XXXX XXXX XXXX with a foreigner so there was a language barrier and. The form I have stated to contact them if there were problems with my credit report. I was on the phone for 33 minutes and got nowhere. She said there is NO delinquent payments nor accounts. I said yes I know. She said she cant fix it. Whats the sense of calling them then???

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 2025-07-02 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: SC

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-07-02 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I'm writing to bestow my anxiety concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: CO

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 2025-07-02 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: CO

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: GA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( XX/XX/XXXX) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( XXXX  ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-07-02 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My XXXX XXXX account ( issued by Synchrony Bank ) was closed on or around XX/XX/XXXX. The reason listed was " dishonored payments. '' However, I reviewed all statements from XX/XX/XXXX to XX/XX/XXXX, and there is no record of any returned or dishonored payments during that time. The only returned payment happened much later on XX/XX/XXXX, for {$87.00}. I only agreed to that payment because I felt pressured during a call where I was asking for hardship help. 

When I asked for assistance due to being unemployed, I was told multiple times to " call back when you get a job. '' One representative said, " we cant help you because you dont have a job. '' They refused to offer any real hardship support even though I was clearly in need and had no income. 

Even after my account was closed, Synchrony continued adding interest and fees. When I called to ask why, I was told the fees were tied to " previous purchases. '' But based on a full review of all my statements, those fees only totaled around {$300.00} to {$400.00}. My current balance is {$3100.00} and continues to grow even though no new purchases have been made since the account was closed. 

I also requested a clear breakdown of how the balance is being calculated and why fees and interest are still being added. I never received a full answer. The ongoing calls, the lack of support, and the growing balance are causing me a great deal of stress. I am asking for help to resolve this. I want the balance reviewed, interest and fees stopped, and a fair resolution that reflects the hardship I explained but was ignored.

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 2025-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: 21ST MORTGAGE CORP.
State: CA

Complaint narrative:
Every time I call for help- they decline services I have listed. They will do have a plan that if I come up with {$10000.00} they can help me? 

My main complaint is this - no matter who I speak to EXTREMELY RUDE!!!! Especially XXXX and XXXX XXXX. The girls have the same rude training over the phone with customers. They cut you off while you are talking. 

They are abrupt, insensitive and offer no real solutions. They belittle me, ask why I am not trying harder to save my home??? 

All these conversations are recorded by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with TransUnion, Experian and Equifax regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: SC

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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 Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8600.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada, XXXX XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Reporting by XXXX XXXX Violation of the Fair Credit Reporting Act To Whom It May Concern, This letter serves as a formal dispute regarding the inaccurate and potentially unlawful information being reported by XXXX XXXX on XXXX Experian credit file. 
Creditor Name : XXXX XXXX Account Number : XXXX Disputed Item : Charge-off Date opened : XX/XX/XXXX Pursuant to my rights under the Fair Credit Reporting Act ( XXXX  ), specifically : XXXX U.S.C. XXXX ( a ) Right to dispute inaccurate or incomplete information XXXX U.S.C. XXXX ( b ) Obligation of credit reporting agencies to ensure maximum possible accuracy XXXX U.S.C. XXXX ( b ) Duties of furnishers to investigate and correct disputed data I am demanding that Experian conduct a full investigation of this account, and require XXXX  XX/XX/XXXX to XXXX documented verification of the accuracy of the data being reported. 
The following issues appear on this account and raise concerns about inaccurate or unverifiable information : Account reported with inconsistent or incorrect charge-off or delinquency dates Balance reported as due despite account being settled, closed, or transferred Monthly payment history shows late payments after charge-off date ( not allowed under XXXX XXXX ) Reporting XXXX information that is incomplete, duplicated, or unverifiable In the absence of documented proof that this information is 100 % accurate and verifiable, the FCRA requires that it be corrected or deleted from my consumer file. 
Please provide written confirmation of your investigation results, including any verification submitted by XXXX XXXX, within the XXXX timeframe required by law. 
Failure to comply with these legal obligations may result in formal complaints to the Consumer Financial Protection Bureau ( XXXX  ), the Federal Trade Commission ( XXXX  ), and pursuit of legal action under XXXX U.S.C. XXXX, which allows for civil liability in cases of willful noncompliance. 
Thank you for your prompt attention to this matter. I have enclosed a copy of my government-issued ID and a copy of the credit report highlighting the disputed account. 
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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
EXPERIAN- I called the number, concerned about a phishing scam and NEED TO TALK TO THEM. The computer would NOT LET ME TALK TO ANYONE AND HUNG UP ON ME. This problem HAS to be corrected. A computer should NOT HANG UP ON A CONSUMER WHEN AN ENTITY LIKE EXPERIAN HAS SO MUCH POWER OVER YOUR LIFE!!!!!!! GET SOMEONE TO TALK 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 explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX DOB : XX/XX/XXXX Email : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX Subject : Formal Dispute of Inaccurate Credit Reporting Under FCRA AMERICAN EXPRESS Account XXXXnding in XXXX Dear Equifax Dispute Department, I am writing to formally dispute inaccurate and potentially outdated information appearing on my Equifax credit report in violation of the Fair Credit Reporting Act ( XXXX U.S. Code XXXX et XXXX. ). 

The item in question is from : Creditor : American Express Account Number ( Last XXXX ) : XXXX Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Reported Balance : {$3000.00} Reported as Charged Off on XX/XX/XXXX This account was closed over XXXX years ago on XX/XX/XXXX. The current report reflects missed payments in XXXX, which is factually impossible as the account has not been open or active since XXXX. 

Reporting missed payments after the date of closure and re-aging the account to appear more recent is a direct violation of FCRA, particularly : FCRA XXXX ( a ) ( XXXX ) : Adverse information can not be reported beyond XX/XX/XXXXyears from the date of delinquency. 
FCRA XXXX ( a ) ( XXXX ) : Furnishers must report the correct date of first delinquency. 
FCRA XXXX : Requires consumer reporting agencies to conduct a reasonable reinvestigation of disputed information. 

I am requesting that Equifax : XXXX. Immediately delete or correct the American Express account information as it is inaccurately dated. 
XXXX. Provide me with written confirmation of the results of your investigation within XXXX  days, per FCRA guidelines. 
XXXX. Reflect any updates across all consumer reporting partners. 

Furthermore, I have filed this dispute with the Consumer Financial Protection Bureau ( XXXX  ) to protect my legal rights and ensure accountability. 

Thank you for your attention and prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: MD

Complaint narrative:
I'm writing to bestow my anxiety concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

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 2025-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
After the previous complaint XXXX, I was able to complete XXXX transfers, the last of which was successful on XX/XX/year>. However, the issue has returned in exactly the same way : XXXX recent transactions I attempted were canceled. Yesterday, on XX/XX/year>, I contacted the fraud department and was informed that I would be able to complete the transaction today without any issues. Unfortunately, that was not the case the transaction I attempted today was also canceled, even after following the systems ( App ) guidance to contact the fraud department at the end of the process. Therefore, the problem remains unresolved, and I request a definitive solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: NY

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: FL

Complaint narrative:
I am submitting this complaint because there are multiple items on my credit report that I do not recognize, did not authorize, and have no knowledge of. These accounts or inquiries were not opened by me, and I have never received any documentation or correspondence from the entities reporting them. I have attempted to resolve this through the credit bureaus but have received no clear explanation or evidence supporting the validity of these items. I am formally requesting that these entries be fully investigated and that any unverifiable or inaccurate items be removed from my credit file immediately, as required by the Fair Credit Reporting Act. The continued presence of these unauthorized items is causing serious harm to my credit standing and financial well-being. I expect a thorough review and a timely resolution of this matter.

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 2025-07-02 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: FL

Complaint narrative:
I am submitting this complaint because there are multiple items on my credit report that I do not recognize, did not authorize, and have no knowledge of. These accounts or inquiries were not opened by me, and I have never received any documentation or correspondence from the entities reporting them. I have attempted to resolve this through the credit bureaus but have received no clear explanation or evidence supporting the validity of these items. I am formally requesting that these entries be fully investigated and that any unverifiable or inaccurate items be removed from my credit file immediately, as required by the Fair Credit Reporting Act. The continued presence of these unauthorized items is causing serious harm to my credit standing and financial well-being. I expect a thorough review and a timely resolution of this matter.

Company response to consumer: Closed with explanation