vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 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: NJ

Complaint narrative:
I hope this message finds you well. I want to share my experience regarding an error on my credit report related to my student loan account XXXX XXXX : XXXX Account # XXXX. My report shows a XXXX late payment, which I believe is incorrect. A XXXX late payment indicates that I've missed four payments in a row, which can significantly impact my credit score. In reality, my payment history is current, and I have not missed any payment, which should be reported as no late payments instead and current. The difference between these two statuses is substantial, and I want to ensure that my credit report accurately reflects my payment behavior. I also want to highlight that according to the Uniform Commercial Code ( UCC ) Section 9-507, creditors are required to report accurate information about a consumers payment history. Misreporting can lead to misunderstandings about my financial responsibility and affect my ability to secure loans in the future. Thank you for taking the time to read my concerns. I appreciate any guidance or assistance you can provide regarding this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: TX

Complaint narrative:
I have recently become aware of unauthorized accounts due to a data breach. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I request the immediate blocking and deletion of the following accounts within 4 days : 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 XXXX : XXXX XXXX XXXX XXXX XXXX TX XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$8300.00}

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 explanation
Consumer complaint received 2025-05-28 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: TX

Complaint narrative:
I have recently become aware of unauthorized accounts due to a data breach. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I request the immediate blocking and deletion of the following accounts within 4 days : 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 XXXX : XXXX XXXX XXXX XXXX XXXX TX XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$8300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: SOFI TECHNOLOGIES, INC.
State: MI

Complaint narrative:
I started a hardship repayment plan in XXXX, which ended in late XXXX. At the time that I started, I was a few weeks behind on missed payments however I was told that because I was utilizing the repayment plan my account would not be delinquent. I was told that I could commence with payments starting in XXXX. 
On XX/XX/XXXX, my account was immediately charged off and sent to collections. Even though Sofi representatives have seen that I was misinformed, they have not done anything to resolve the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: American Credit Acceptance, LLC
State: LA

Complaint narrative:
i purchased a vehicle in XXXX had it for XXXX yrs the company was not putting in the payment in correctly and was not reporting them correctly the amount that i got it for is still the amount thats on my credit i had the car for XXXX yrs how is it still the same amount i call them about several times nothing changed they sent me letters saying the account was fraudulent XXXX of XX/XX/XXXX i no longer had the car but as of XX/XX/XXXX its still being reported on my credit i call them again in XXXX they sent me another letter about fraud this company is being sued by other people that got financial help from them because of them reporting people payments in wrong please look into this company They was going into my bank account taking money out without permission XXXX and there times a month even when you made a payment I had to keep calling them to get my money back i think in the month of XX/XX/XXXX i had to close my account be they was going in there thanks i sent proof of some payments i can find and the balance they saying i still owe as off XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have recently received and reviewed a copy of my credit report and noticed several inaccuracies and unauthorized accounts and information. These remarks are detrimental to my life and credit health.

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 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: OH

Complaint narrative:
XXXX # XXXX I am unaware that this debt was sent to collections and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature, debt validation from original creditor, purchase agreement, and that you are licensed in my state to collect said debt. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action for violation of ( 604.15.USC.1681b & 15.USC.1692g ) consumer rights. Each violation could result in a fine of {$1000.00} with an addition of lawyer costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: LA

Complaint narrative:
I was impacted by a recent data breach, and fraudulent accounts have been placed on my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please ensure these accounts are blocked and deleted within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$8500.00} XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$6300.00} Inquiries XXXX XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I was impacted by a recent data breach, and fraudulent accounts have been placed on my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please ensure these accounts are blocked and deleted within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$8500.00} XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$6300.00} Inquiries XXXX XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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:
XXXX XXXX, XXXX, XX/XX/1985, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX  - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect PersonaXXXX XXXX XXXX Incorrect Personal XXXX XXXX - Incorrect Persona XXXX XXXX XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX XXXX is reporting a {$590.00} charge-off for a credit card account. A garnishment action for this account was filed and then dismissed in court on XX/XX/year> by XXXX XXXX XXXX, their client. 

I submitted dispute letters and court dismissal documentation, yet XXXX XXXX continues to report this as a derogatory charge-off. 

This violates the Fair Credit Reporting Act and furnisher obligations under 15 U.S. Code 1681s-2 ( b ). The garnishment was dismissed without prejudice, meaning there is no active collection effort. They are willfully harming my credit with inaccurate reporting.

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 2025-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I had a credit card from Bank of America. Bank of America closed this account on XX/XX/XXXXXXXX XXXX XXXX, and yet it is still showing on my credit, and they are still sending my emails and calling me daily to try and collect money that is no longer owed to them. I want this off of my credit and I want it closed for good.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These accounts are negative affecting my ability to obtain credit. It is my understanding that you will investigate these accounts listed below and ensure accuracy. Attached is a copy of my ID and Proof of address Accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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:
These accounts are negative affecting my ability to obtain credit. It is my understanding that you will investigate these accounts listed below and ensure accuracy. Attached is a copy of my ID and Proof of address Accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, I opened a Citibank Access Checking account ( Acct XXXX ) with a {$320.00} XXXX XXXX and met the requirements to deposit $ XXXX within 90 days. I have also waited for the evaluation period to end and Citibank to date has not deposited the {$320.00} into my checking account. Citi did not show me a promo code, they only allowed me to use a link on the Citibank website where I opened the account. Citibank subsequently asked me for a promo code when I called inquiring about the missing bonus payment. I explained they never provided me XXXX, and the rep I spoke with on XX/XX/XXXX, XXXX, seemed to have " found '' a promo code that did not match the original terms of the bonus payment I saved, which Citibank used as a basis to deny the bonus payment. I called back on XX/XX/XXXX and another rep, XXXX, said the first rep put the wrong, code and he entered the correct promo code which should match the terms of I saw when I opened the account. Specifically, the terms I saved did not exclude a customer who had a previous checking account within XXXX  days from receiving the bonus, which Citibank has been using to deny bonus payment which this was not part of the terms I saw when I opened the account ( terms attached ). Citibank also specifically sent me an email advertising that I qualified for the Checking bonus ( also 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 explanation
Consumer complaint received 2025-05-28 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: TX

Complaint narrative:
I am disputing fraudulent accounts on my report following a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  WA XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXX * * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX XXXX - Account Number : XXXX * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$7900.00} XXXX XXXX Account Number : XXXX * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$18000.00} XXXX XXXXXXXX XXXX - Account Number : XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$9700.00} XXXX XXXXXXXX XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$3300.00} XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$9700.00} XXXX XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/year> I sent Equifax, Transunion and Experian letters requesting the removal of inaccurate names, addresses and employment information. Below is part of the letters sent citing the U.S.C. Codes beginning violated with proof of correct spelling of my name and address : I am requesting the removal of inaccurate and outdated personal information from my credit file under my rights in the Fair Credit Reporting Act, specifically under 15 U.S.C. 1681b, 15 U.S.C. 1681i, and 15 U.S.C. 1681c. I would like to update and remove the following in correct information : 1. Names : Remove any misspellings, aliases, or incorrect variations of my name.

2. Addresses : Delete any old, outdated, or incorrect addresses that are not my current legal residence.

3. Employers : Remove al past employers, as they are not required to be reported on my credit file.

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 2025-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I signed up for a monthly personal trainer on Synchrony Bank credit card. I then canceled this contract the very next day and got the cancelation form from the gym, but Synchrony Bank continues trying to charge me the {$520.00}! This has been ongoing since XX/XX/XXXX. I have called them NUMEROUS times, trying to resolve it. I then sent them a letter, with the cancelation form in the mail. I called again today, XX/XX/XXXX and spoke with a XXXX named, XXXX. She stated they rejected my letter, because it didn't have an amount on it, when the cancelation form CLEARLY states TO REFUND ALL MONIES!!!

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 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: NJ

Complaint narrative:
I requested XXXXredit Corp Solutions to provide me with : A signed contract or application bearing my original signature with the original creditor. The complete chain of assignments, including notarized documents showing each transfer of ownership from the original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX to your company, Credit Corp Solutions , Inc. Itemization and explanation of the alleged amount due, including any fees or charges. Verification that you are legally authorized to collect this alleged debt in the state of New Jersey. Instead the sent me XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Notice, Upgrade Privacy Notice, Privacy Policy, Borrower Agreement ( without my original signature or proof that The signature was captured through a system that tracks date, time, IP address, or confirmation ), loan agreement and promissory note, Credit Profile Authorization ( that does not include my signature ), XXXX XXXX XXXX, XXXX Authorization ( without my signature ), Terms of Use, and Truth in Lending Disclosure Statement. Credit Corp Solutions have failed to validate the alleged debt as required by the FDCPA and have not established legal standing to collect or sue. Without a signed contract, itemized accounting, and a complete, notarized chain of assignments, there is insufficient evidence that I owe this amount to them. I refuse to pay this alleged debt.

Company response to consumer: Closed with explanation