vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Regional Management Corporation
State: UT

Complaint narrative:
I originally called Regional Finance to make a payment on my existing loan. During that call, the representative told me that I qualified for an additional {$5000.00} on top of my current loan. Based on that information, I called back about two weeks later to move forward. The only requirement they disclosed was that they needed to run my credit. I agreed to the credit inquiry because my credit is in good standing. 

At no point did they tell me there would be any additional documentation requirements such as tax records or income verification. When I opened my original loan with Regional Finance, I did not have to provide any documentation ; they mailed me a check, and depositing it initiated the loan. Because of that experience and what the representative told me, I reasonably believed the increase would work the same way. 

After they obtained my permission and pulled my credit, they then informed me that they required additional documents that were never mentioned before the credit check. Had I been told this beforehand, I would not have consented to the application or the credit inquiry. 

I believe Regional Finance acted in a deceptive and misleading manner by omitting material information about the documentation required for approval. Their failure to disclose these requirements before running my credit resulted in an unnecessary hard inquiry and misled me about my eligibility. 

I am requesting that the CFPB review this matter and require Regional Finance to respond and explain why they did not disclose all requirements before the credit check.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: GA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. BANCORP
State: MI

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ), negative accounts such as collections may only be reported for seven ( 7 ) years from the date of first delinquency. This account is over XXXX XXXX XXXX, which is well past the legal reporting period. 

Because the reporting time frame has expired, this account is now obsolete and must be removed from my credit report immediately. 

I request that you investigate this matter and delete this outdated item from my credit file. Please send me written confirmation once the correction has been completed. 

Attached are copies of my identification for verification purposes.

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 2025-11-28 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 LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAVALRY INVESTMENTS, LLC
State: TN

Complaint narrative:
credit acceptance offered to cut my loan down to {$4800.00}, however my loan still says {$23000.00}, with all 3 credit bureau I am disputing the loan amount for the XXXX settlement or removed from my credit report phone call was recored they are also reporting 43 late payments for a totaled vehicle I was offered a settlement for

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: UT

Complaint narrative:
On XX/XX/year>, I received an email from Jefferson Capital Systems LLC claiming that I owe {$710.00} for a debt described as XXXX XXXX XXXX. 

However, I also have an active collection agreement with XXXX XXXX XXXX XXXXor a {$2000.00} debt, which they stated was related to XXXX XXXX. 
XXXX  even sent me a letter in XXXX threatening legal action, so I entered into a payment agreement out of fear. 

Because two separate companies are attempting to collect what appears to be the same debt, I contacted XXXX directly on XX/XX/year> for clarification. 

XXXX informed me that : I do NOT owe {$2000.00} I do NOT have any active XXXX XXXX account The only negative balance in their system under my name is {$360.00} They do not recognize the {$710.00} debt being claimed by Jefferson Capital Systems They do not recognize the {$2000.00} debt being collected by XXXX  This means two debt collectors are attempting to collect incorrect and unvalidated debts, which is a violation of FDCPA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: FL

Complaint narrative:
I am writing to formally dispute and request the immediate removal of a fraudulent or inaccurate address. Employment Data and Phone numbers that is being reported on my credit file. The address listed below does not belong to me, and I have never resided or received mail there. Inaccurate Employment Data and Phone numbers I believe this entry may be the result of identity theft or a reporting error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2025-11-28 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: CA

Complaint narrative:
Please correct/update this inaccurate information on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: PA

Complaint narrative:
With respect to those it this matter concerns, Upon examining my credit reports, I noticed that although you have not provided any evidence to support the accuracy of the debt, you are claiming that the following accounts are negatively impacted. Moreover, you claim to have complied with all legal and regulatory reporting requirements, thus you have to delete all negative and critical accounts. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 USC 1666b, a creditor can not legally report a payment as late if they have not ensured that the periodic statement, containing the required information under section 1637 ( b ), was mailed or delivered to the consumer at least XXXX  days before the due date. Since the creditor failed to meet this obligation, I request that you update the late payments on my account to reflect positive, on-time payments. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX You are aware that reporting any information that can not be independently verified is illegal. I need you to give me hard proof that I am responsible for those accounts in line with 15 USC 1692g.

You are also in violation of 15 USC 1681b because I have never given you or any of these companies formal permission to disclose any information on my credit report. This unjust and unfair treatment has caused me severe XXXX and anxiety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I opened a Mattress Firm credit card financed by Synchrony Bank under the belief that it was a no-interest promotional purchase. The salesperson described the plan as no interest and I understood it to be for a longer term ( approximately XXXX years ). I was not clearly informed that this was deferred interest that would be retroactively applied if not paid in full by the promotional deadline. 

I enrolled in automatic monthly payments and made all required minimum payments in good faith. I did not receive any clear, direct notice that the promotional period was ending or that failure to pay the balance in full would result in retroactive interest being added. I reasonably believed my autopay would adjust at the end of the promotional period. 

Approximately XXXX months after the promotion ended, I discovered that a large amount of deferred interest had been added to my balance without my awareness. When I contacted Synchrony, I was told nothing could be done due to the time that had passed. 

I dispute these charges based on : Sales misrepresentation at point of purchase Lack of clear and effective notice of promotional expiration Good-faith reliance on autopay and monthly statements

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 2025-11-28 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: 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 explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

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 2025-11-28 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: IA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The data reported does not fully or accurately represent my financial history. I hereby request a formal review and amendment to ensure accuracy.

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 2025-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied for and was approved for a Citibank credit card on XX/XX/year>. Immediately after approval, Citibank placed my account in a restricted status and requested additional documents from me. I complied fully and submitted all requested documents within the timeframe they provided. Even though I sent everything they asked for, Citibank kept my account restricted for over XXXX months. During that time, I received no clear explanation, no update, and no additional document requests. Instead of reviewing the documents I submitted and lifting the restriction, Citibank allowed the restriction period to run out. When their internal deadline arrived, they closed my account, even though I had done everything required of me. This unjustified closure has already lowered my credit score, caused the account to be reported as closed, and negatively affected my ability to qualify for future credit. I believe the way Citibank handled this situationapproving me, restricting the card, requesting a large amount of documentation, ignoring the documents I submitted for months, and then closing my accountwas unfair and improper.

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 2025-11-28 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: IA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-28 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: IL

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 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Im reaching out because the listed accounts arent mine and I didnt approve them. Im asking for a review and removal. Supporting documents are attached.

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 2025-11-28 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 regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc.
State: GA

Complaint narrative:
I was a XXXX customer since XXXX. I switched to another cellular service provider in XXXX of XXXX. XXXX had knowledge of the switch because I had to obtain a code from them to port my number over. XXXX XXXX drafted {$48.00} out of my checking account on XX/XX/XXXX after switching, charging me for the line on my watch. I requested that the {$48.00} be refunded & the refund never occurred. I requested a refund a XXXX time and still no refund applied to my account. I got a call from a collection representative and explained all of this to them & requested the {$48.00} be removed from the total amount owed and I would pay the rest, to no avail. They then sent the account to a collection agency : Diversified Adjustment Service, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone : XXXX I was making payments towards the balance left owed on the watch on my plan with them. The last one being on XX/XX/XXXX, and XXXX weeks later they reported this to ALL XXXX credit reporting agencies causing a massive drop in my credit score. FOR {$130.00}!! and sent to the above collection agency. 

I paid this balance with the collection agency on XX/XX/XXXX, requesting a pay to delete with payoff and contacted XXXX again regarding the refund of {$48.00} and they advised me Id have to request that from the collection agency?? It took XXXX  days to receive the receipt from the collection agency and the receipt is dated XX/XX/XXXX so I have included a screenshot of the payment made on my credit card on XX/XX/XXXX. XXXX is operating deceptively and billing customers for wireless services that they no longer have with their company, when there was no billing cycle overlap!! 

Prior to switching to another mobile provider my bill was paid every month, never going to disconnect status. I was enrolled in paperless billing and no longer have access to my account to view billing & payment history. The collection was paid XX/XX/XXXX & it has been not been deleted from my credit file, nor is it reporting a XXXX balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation